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  • Financial Aid Links
    Arts Alumni Admissions Waldorf Facts Open House Visit Waldorf Tuition Financing Scholarship Day Student Organizations Parent Information International Students Transfer Students Insurance Forms Orientation Residential Future Students Financial Aid Financial Aid Links Financial Aid Links Free Application for Federal Student Aid FAFSA Online FAFSA Tutorial Federal Direct Loans College Scholarships FastWeb Perkins Loan Copyright 2015 Waldorf College Forest City Iowa 50436 800 292 1903 Residential Programs 877 267 2157 Online

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition---financing/financial-aid/financial-aid-links (2016-02-13)
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  • Academic Progress Policy
    following semester If a student has less than a 1 00 GPA and less than 10 credits after the first semester the student will be dismissed from the College All students on academic warning must take part in the Academic Support Program ASP If the student does not attain the minimum grade point average or the minimum cumulative credits by the end of the warning semester the student will be dismissed from the College The full time student may submit a formal written appeal of the dismissal to the Academic Progress Committee The appeal must include the reason s why the student failed to meet satisfactory academic progress and what will change to allow the student to meet the standards at the next evaluation The committee will make one of the following decisions regarding the student s appeal The appeal will be denied the student will be dismissed academically and no longer be eligible for financial aid The appeal will be granted and the student placed on Academic Probation for one semester the student should be able to meet satisfactory academic progress by the end of the probationary semester If the student does not meet satisfactory academic progress at the end of the probationary semester the student will be dismissed The appeal will be granted and the student will be placed on an Academic Plan because satisfactory progress can t be met within one semester The Academic Plan monitored on an individual basis will ensure that the student will be able to meet satisfactory academic progress by a specific point in time will have set conditions and can be evaluated at whatever periods as determined by the plan or at a minimum at the end of every semester The student will be dismissed if he she fails to meet the

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/financial-aid/academic-progress-policy (2016-02-13)
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  • Institutional Code of Conduct for Education Loans
    CFR 601 21 c 7 34 CFR 668 16 d 2 ii 34 CFR 682 401 e 2 vi An officer employee or agent of the institution may respond to any lender who seeks advice from the institution or groups of institutions by telephone electronically or in a meeting about improving products or services for borrowers However the institution may not accept any gift or compensation for responding to the lender including but not limited to transportation lodging or related expenses Iowa Code Section 261F 3 6 Back to Top Boards of Directors Impermissible Activities Lender Lender Servicer and Guarantor An employee or agent of the institution who is employed in the financial aid office must not serve on or otherwise participate in the board of directors of a lender lender servicer or guarantor An employee or agent of the institution who is not employed in the financial aid office but who has responsibility with respect to education loans must not serve on or otherwise participate in the board of directors of a lender lender servicer or guarantor unless we have a written conflict of interest policy This institution has a written conflict of interest policy for this purpose See below under Permissible Activities for more information about the content of that policy Iowa Code Sections 261F 3 7 a 1 and 2 34 CFR 601 21 c 3 i and ii Institutional Boards of Directors or Trustees No officer employee or agent of a lender lender servicer or guarantor may serve on this institution s board of directors or trustees unless we have a written conflict of interest policy This institution has a written conflict of interest policy for this purpose See below under Permissible Activities for more information about the content of that policy Iowa Code Sections 261F 3 7 a 3 34 CFR 601 21 c 3 iii Permissible Activities Lender Lender Servicer and Guarantor An employee or agent of the institution who is not employed in the financial aid office and who has no responsibility with respect to education loans may serve unrestricted and be compensated for service on the board of directors of a lender lender servicer or guarantor An employee or agent of the institution who is not employed in the financial aid office but who has responsibility with respect to education loans may serve on the board of directors of a lender lender servicer or guarantor and be compensated for that service if the institution has a written conflict of interest policy Our conflict of interest policy specifies that an officer or agent of the institution who is serving on such a board of directors must not participate in any decision of the board with respect to any transaction regarding education loans Iowa Code Section 261F 3 7 a 1 and 2 34 CFR 601 21 c 3 i Institutional Board of Directors and Trustees The institution may permit an officer employee or agent of a lender lender servicer or a guarantor to serve as a member of our board of directors or trustees if we have a written conflict of interest policy The institution has a conflict of interest policy for this purpose Our conflict of interest policy includes all of the following A prohibition against the participation of such a member in any decision regarding education loans offered to our students or their families Procedures to be followed when such a member s personal or business interests in education loans may be advanced by an action of the board of directors or trustees and A prohibition against the participation of such a member in any decision to approve any transaction where such conflicting interests may be advanced Iowa Code Sections 261F 3 7 a 3 34 CFR 601 21 c 3 iii Back to Top Bundling of Private Loans Impermissible Activities The institution s financial aid staff will not bundle i e package a private education loan in a student s financial aid award except under certain conditions See Permissible Activities below for more information about acceptable conditions for private loan bundling Iowa Code Section 261F 5 2 Permissible Activities The institution s financial aid staff may bundle i e package a private education loan in a student s financial aid award under any one of the following conditions The borrower is ineligible for additional funding The borrower has exhausted the limits of his or her eligibility for Title IV loans Federal Perkins Stafford and as applicable parent or Grad PLUS The borrower has not filled out a Free Application for Federal Student Aid FAFSA The borrower does not desire or refuses to apply for a Title IV loan including a parent PLUS loan The bundling of a private education loan will be clearly and conspicuously disclosed to the borrower in a manner that distinguishes them from loans made under Title IV of the HEA prior to the borrower s acceptance of the financial aid package Iowa Code Section 261F 5 2 34 CFR 601 11 c Back to Top Choice of Lender Impermissible Activities Regardless of whether this institution maintains a preferred lender arrangement for education loans our financial aid office will not Refuse to certify or delay certification of an education loan based on a borrower s selection of a lender or guarantor Assign a first time borrower s education loan to a particular lender through award packaging or other methods 34 CFR 601 21 c 4 Back to Top Consulting and Contractual Arrangements Impermissible Activities An officer employee or agent of the institution who is employed in the financial aid office or who otherwise has responsibilities with respect to education loans will not accept from any lender or its affiliate any fee payment or other financial benefit as compensation for any type of consulting arrangement or other contract to provide services to or on behalf of the lender A prohibited financial benefit includes the opportunity to purchase stock Iowa Code Section 261F 3 3 34 CFR 601 21 c 3 Permissible Activities An officer employee or agent of the institution who is not employed in the financial aid office and who has no responsibilities with respect to education loans may accept compensation from a lender for a consulting arrangement or other contract to provide services to or on behalf of a lender Iowa Code Section 261F 3 3 34 CFR 601 21 c 3 Back to Top Loan Counseling Permissible Activities The institution may request and accept services from a lender or guarantor in conducting initial i e entrance and exit loan counseling for our students including in person counseling or on line counseling resources provided Institutional staff is in control of the counseling To be considered in control of the counseling staff must review and approve the content of the counseling and provide oversight over how the counseling is conducted The lender or guarantor does not promote a specific lender s products or services Counseling materials that the institution accepts from a lender or guarantor must disclose the identity of the entity that assisted in preparing or providing the materials and must not be used to promote the lender s or guarantor s education loan or other products A guarantor s materials may promote benefits provided under other federal and state programs that the guarantor administers Iowa Code Section 261F 4 5 a 34 CFR 601 21 c 2 iii D 34 CFR 601 21 c 6 ii 34 CFR 682 200 b Definition of Lender 5 i 10 and 5 ii B 34 CFR 682 401 e 2 i Federal Register dated October 28 2009 p 55631 Back to Top Loan Terms and Conditions Impermissible Activities The institution will not request or accept from any lender an offer of funds to be used for private education loans including funds for an opportunity pool loans see the separate definition of opportunity pool loans below in exchange for the institution s promise to provide the lender with any of the following A specified number of education loans A specified education loan volume A preferred lender arrangement 34 CFR 601 21 c 5 The institution will not place a lender on a preferred lender list PLL or provide that lender with preferred placement on the PLL in exchange for benefits the lender provides to the institution or to our students in connection with a different type of loan Iowa Code Section 261F 6 4 Opportunity Pool Loans An opportunity pool means a private education loan made by a lender to a student attending this institution or a student s family member that this institution guarantees in any manner or that involves the institution directly or indirectly paying points premiums payments additional interest or other financial support to the lender for the purpose of that lender extending credit to the borrower Iowa Code Section 261F 3 5 34 CFR 601 21 c 5 ii Permissible Activities The institution may solicit or accept from any lender an offer of funds to be used for private education loans including opportunity pool loans if it is not provided in exchange for a promise that the institution will deliver to the lender a specified number of loans or loan volume or place that lender on the institution s preferred lender list Iowa Code Section 261F 3 5 HEA Section 487 e 5 34 CFR 601 21 c 5 ii The institution may solicit and accept the following favorable education loan terms and conditions on behalf of our student and parent borrowers A reduced origination fee A reduced interest rate Payment of the federal default fee on a Stafford or PLUS loan made under the FFELP Note Federal law prohibits the making of new loans under the FFELP effective July 1 2010 Benefits offered to a borrower under a repayment incentive program that requires at minimum one or more scheduled payments to receive or retain the benefit Benefits under a loan forgiveness program for public service or other targeted purposes approved by The Iowa Attorney General for a private loan forgiveness program The U S Department of Education for a federal loan forgiveness program An employee of the institution may accept favorable terms conditions and borrower benefits on an education loan if the terms conditions and benefits on the employee s loan are comparable to those provided to all of our students Iowa Code Section 261F 1 5 34 CFR 601 21 c 2 iii C 34 CFR 682 200 b definition of lender 5 ii I Back to Top Meals Refreshments and Receptions Impermissible Activities See the definition of Gift for information about cases when meals refreshments or other hospitality is considered a prohibited gift Permissible Activities The institution s employees and agents may accept from any lender or guarantor food and refreshments that are reasonable in cost and are offered as an integral part of a training session or conference that is designed to contribute to the professional development of our employees or agents The food and refreshment sponsored by the lender or guarantor must be offered to all who attend the training session or conference Our employees and agents may attend a lender or guarantor sponsored reception for which food and refreshments are provided so long as the reception is a general gathering that is held in conjunction with a training session or conference and is open to all attendees In addition the institution s employees and agents may accept from a guarantor food and refreshments that are reasonable in cost and provided in connection with other workshops and forums the agency uses to fulfill its guaranty agency responsibilities Iowa Code Section 261F 1 5 b HEA Section 487 e 2 B ii II 34 CFR 601 21 c 2 iii B Federal Register Vol 72 No 211 November 1 2007 p 61981 Prudent Person Test Employees of the institution who participate in the planning of a student aid related training session or conference will ensure that food and refreshments sponsored by a lender or guarantor is reasonable in cost by applying the prudent person test In other words the cost per person for the sponsored event must not exceed the cost that would be incurred by the prudent person under the circumstances at the time the decision was made to incur the cost The burden of proof will be in part on event managers to show that costs are consistent with the normal per person cost of the event November 1 2007 Federal Register Vol 72 No 211 p 61981 Back to Top Misleading Identification of Institutional Employees Impermissible Activities The institution will not permit a lender s or guarantor s employee or agent to be identified as an institutional employee representative or agent Iowa Code Section 261F 4 2 Back to Top Payment of Education Loan Costs Permissible Activities The institution may make principal or interest payments on an education loan to lower costs for our borrowers Impact on Our Cohort Default Rate If an owner agent contractor employee or other entity or individual affiliated with the institution makes a payment to prevent default on a Stafford loan or a Consolidation loan that repaid a Stafford loan during the period for which our cohort default rate is calculated that loan is considered to be in default and counts against our cohort default rate notwithstanding the payment Iowa Code Section 261F 3 7 b 34 CFR 668 183 c 1 iii USDE Cohort Default Rate Guide Chapter 2 p 2 1 9 Back to Top Preferred Lender Arrangements Definition A preferred lender arrangement is an arrangement or agreement between the institution or an institution affiliated organization and a lender that provides education loans to our students and their families in which we or our affiliated organization recommends promotes or endorses the lender s education loan product There are two conditions that must be met in order for a preferred lender arrangement to exist between a lender and this institution or an institution affiliated organization A lender provides or issues education loans to our students or their families and We or an institution affiliated organization recommends promotes or endorses the lender s education loan products A preferred lender arrangement does not require a written or verbal agreement nor is a preferred lender arrangement confined to only cases in which the lender is included on a preferred lender list Iowa Code Section 261F 1 8 34 CFR 601 2 Federal Register dated July 28 2009 p 37436 Federal Register dated October 28 2009 p 55630 A preferred lender arrangement does not include any of the following Federal Direct loans Federal Perkins loans Iowa Code Section 261F 1 8 The identity of any private lender with whom the institution or an institution affiliated organization have a preferred lender arrangement will be displayed on all information and documentation related to the lender s loans 34 CFR 601 12 b For any year in which the institution has a preferred lender arrangement we will annually compile and make available for students attending the institution and their families a list of the specific education loan lenders that the institution recommends promotes or endorses 34 CFR 668 14 b 28 See Introduction for more information about an institution affiliated organization Back to Top Preferred Lender Lists Applicable to the institution an any institution affiliated organization that has a preferred lender arrangement for education loans A preferred lender list PLL is a list of education loan lenders which the institution recommends promotes or endorses and with which we have a preferred lending arrangement Impermissible Activities The institution s PLL will not include less than three unaffiliated lenders see the paragraph immediately below for an exception For this purpose a lender is affiliated with another lender if any of the following applies The lenders are under the ownership or control of the same entity or individuals The lenders are wholly or partly owned subsidiaries of the same parent company The directors trustees or general partners or individuals exercising similar functions of one of the lenders constitute a majority of the persons holding similar positions with the other lender Iowa Code Sections 261F 1 9 and 261F 6 1 b If we initially meet the preferred lender list requirement of including a minimum of three unaffiliated lenders we may be later notified that one or more of those lenders has decided to discontinue making loans to our students and parents The USDE and the Iowa Attorney General will take such circumstances over which we have no control into consideration in determining our compliance with the requirement that we maintain at least three unaffiliated lenders on our preferred lender list U S Department of Education Dear Colleague Letter GEN 08 06 A PLL will not include lenders that have offered or have offered in response to our solicitation financial or other benefits to the institution in exchange for inclusion on the PLL or a promise that the institution or its students will send a certain number of loan applications to the lender Iowa Code Sections 261F 6 1 c Our financial aid office will not use a PLL to do any of the following Require a prospective borrower to use a lender on our PLL Deny or otherwise impede a borrower s choice of lender Assign a first time borrower s loan to a particular lender through award packaging or other methods Refuse to certify a loan or cause unnecessary certification delays for a borrower who selects a lender that does not appear on our PLL Iowa Code Sections 261F 6 1 a and 261F 6 2 c d and e 34 CFR 601 10 d 1 iii 34 CFR 601 10 d 5 34 CFR 601 21 c 4 Back to Top Preferred Lender List Alternatives Permissible Activities The institution s financial aid office is not required to maintain a preferred lender list for education loans and is permitted to provide no information to education loan borrowers about lenders Other acceptable

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/financial-aid/institutional-code-of-conduct-for-education-loans (2016-02-13)
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  • Payment Arrangements
    Forms Orientation Residential Future Students Tuition Financing Payment Arrangements Payment Arrangement At Waldorf College you ll find that the Business Office staff stands ready to work with you to find a workable payment plan of each semester s bill We re confident that we can find the best option for you and encourage you to contact us by phone at 641 585 8135 or at studentaccounts waldorf edu In general the amount owed to Waldorf after Financial Aid for a specific semester is due according to the following schedule Fall Semester August 31 Spring Semester January 31 Summer Semester May 31 Waldorf accepts cash check money order Visa Mastercard Discover and American Express as forms of payment Payments may be mailed to ATTN Business Office Waldorf College 106 S 6th Street Forest City IA 50436 Please include the student ID number on all payments Payment arrangement options include the following Payment in Full Payment is due August 31 for the fall semester balance that will not be covered by financial aid and loans Payment is due January 31 for the spring semester balance Payment deferred over the semester Payments will be accepted with a monthly 1 finance charge added to

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/payment-arrangements (2016-02-13)
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  • Refund Policy
    attend If you completely withdraw from school during a term the school must calculate according to a specific formula the portion of the total scheduled financial assistance you have earned and are therefore entitled to receive up to the time you withdrew If you receive or the College receives on your behalf less assistance than the amount you have earned you may be able to receive those additional funds The portion of your Federal grants and loans you are entitled to receive is calculated on a percentage basis by comparing the total number of calendar days in the semester to the number of calendar days you completed before you withdrew The total number of calendar days in a semester shall exclude any scheduled breaks of more than five days For example if you complete 30 of the semester you earn 30 of the assistance you were originally scheduled to receive This means that 70 of our scheduled awards remain unearned and must be returned to the Federal government Federal aid funds are returned in the following order both by the College and the student Unsubsidized Federal Direct Stafford Loans Subsidized Federal Direct Stafford Loans Federal Perkins Loans Federal Direct PLUS Loans Federal Pell Grants Federal ACG Grant Federal SMART Grant Federal SEOG Grants Federal TEACH Grant Other Federal aid programs Once you have completed more than 60 of the semester you can be said to have earned all 100 of your assistance If you withdraw from the College either officially or unofficially before completing 60 of the semester you may have to repay any unearned Federal funds that were already disbursed to you Your withdrawal date will be determined by the College as 1 the date you began the College withdrawal process or the date you officially notified the Registrar of your intent to withdraw 2 the midpoint of the semester if you withdraw without notifying the College or 3 your last date of attendance at an academically related activity as documented by the College If you have received excess funds that must be returned to the government the College shares with you the responsibility of returning those excess funds The College s portion of the excess funds to be returned is equal to the lesser of the following The entire amount of the excess funds Your total tuition and fee charges multiplied by the percentage of un earned funds If the College is not required to return all of the excess funds you must return the remaining amount Any loan funds that you must return must be repaid according to the terms of your promissory note If you must return any grant funds the law provides that the amount you must repay is to be reduced by 50 This means that you only have to return half of any excess funds you receive If the return of unearned Federal assistance causes any portion of your tuition and fees to become uncovered you will be billed by the College In

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/refund-policy (2016-02-13)
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  • Scholarships
    Special Ability Awards Waldorf Scholarships Waldorf Merit Scholarships for incoming freshmen are awarded based on high school GPA and composite ACT score The following awards are available Regents Scholarship 15 000 Presidential Scholarship 10 000 Excellence Scholarship 6 000 Transformational Scholarship 5 000 Promise Award 3 000 Belief Award 1 000 Merit scholarships are also available for transfer students They are based on a student s cumulative GPA from their previous colleges and or universities at the time of acceptance Warrior Scholarship 6 000 3 5 Cumulative GPA and higher Torch Scholarship 5 000 3 0 3 49 CGPA Truth Award 3 000 2 5 2 99 CGPA Light Award 1 000 2 49 CGPA and below Special Ability Awards Special Ability Awards in athletics communication music and drama are available for students demonstrating high achievement and potential in any of these areas Auditions high school records portfolios films and recommendations are used to select the recipients Outside Scholarship Opportunities Look Twice Save a Life Scholarship 1 000 is awarded to any student who is currently attending or planning to attend college or some form of higher education The scholarship will be awarded on an annual basis for the Spring semester The deadline to apply is December 1st View link to find out more about requirements and how to apply Scholarships for Current Students In past years Waldorf has provided over 4 1 million in institutional financial aid Education Partners in Covenant EPIC EPIC is a cooperative venture between congregations of the three Iowa ELCA synods Congregations elect to support students with grants of 100 to 500 per student and colleges match the grants Students must be confirmed members of the congregation and the congregation must be enrolled in the program and have their level of participation determined by March

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/scholarships (2016-02-13)
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  • Chantell Cooley Scholarship
    Chantell Cooley Leadership Scholarship for Women please fill out the application below Congratulations to the following young women who have accepted their full tuition scholarships Alexis Johnson Riverland Community College MN Creative Writing Amanda Wright Harding County High School SD Creative Writing Angela Book Forest City High School IA Entrepreneurship Asmita KC Budanilkantha School Nepal Service Learning Rotaract Autumn Karalius Forest City High School IA Creative Writing Brittany Youngers Forest City High School IA Entrepreneurship Darien Walsh Iowa Central Community College IA Digital Media Donnica Keeling West Fork High School IA Creative Writing Elizabeth Peters Newton High School IA Creative Writing Gulnara Novbatova Minnesota State Moorhead MN STEM Biology Hannah Ashley Park High School MN STEM Keisha Hendry Nashua Plainfield High School IA Creative Writing Kenni Turner Muhammad Harold Vincent HS WI Creative Writing Kyla Kern Thomas Jefferson High School IA STEM Biology Madison Beaupre Cambridge Isanti HS MN Service Learning Rotaract Mariah Roberts Home School Leland IA STEM Biology Marie Tran Rapid City Christian HS SD Creative Writing Megan Ackerman Park High School MN Service Learning Rotaract Megan Brandrup Iowa Central Community College IA Digital Media Myriah Hacker Denison High School IA Creative Writing Nicole Adolphson Gilbert High School IA Campus Ministry Ruth Worrell Denison High School IA Historia Sara Vettleson Trutza Mable Canton High School MN STEM Biology Shannon Clark Spencer High School IA Digital Media Shayla Banchs Corwith Wesley LuVerne HS IA Entrepreneurship Shyanne Siems Emmetsburg High School IA Creative Writing Tallie Horsch Cambridge Isanti HS MN Service Learning Rotaract Taylor Santana Auburn Sr High School NE Campus Ministry Rakailla Pauley Denison High School STEM Biology Partial Chantell Cooley Leadership Scholarship About Chantell Cooley Chantell Cooley a member of the Board of Trustees for Waldorf College is a pioneer in education and an advocate for developing female

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  • Learn Together Scholarship
    and family members online can receive tuition discounts for attending school together Columbia Southern University students can benefit from this program too Learn Together Scholarship Application Benefit for Online Students Family members parents aunts uncles grandparents of a residential student registered part time or full time will receive a 20 tuition discount for online courses undergraduate or graduate at Waldorf College as long as the student is enrolled in the part time full time residential program at Waldorf College The relative may continue to receive the discount during summer terms even when the residential student is not enrolled if the student is registered for the fall semester Benefit for Residential Students The son or daughter of a Waldorf College or Columbia Southern University online parent will receive 50 half tuition scholarship to the residential program as long as the parent is enrolled in a Waldorf or CSU online undergraduate or graduate program as a part time or full time student Learning Together Scholarship Details The scholarship is worth half the cost of full time tuition 9 902 00 value for 2015 2016 at Waldorf at the published rate year by year If a student qualifies for a higher scholarship amount

    Original URL path: http://www.waldorf.edu/residential/future-students/tuition-financing/scholarships/learning-together-scholarship (2016-02-13)
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