Financial Information

Tuition and Fees

Andrews Partnership Scholarship

Andrews University is pleased to offer its full-time undergraduate students the Andrews Partnership Scholarship in recognition of their academic achievement. This scholarship affirms the university’s commitment to partnering with families and students  to achieve an educational dream in a Christian environment at Andrews University. Scholarships range from $10,000 to $40,000 to complete a four-year degree for incoming freshmen who have never attended college. Andrews University also has an Andrews Partnership Scholarship to honor its continuing, transferring, Canadian and international students.

Other Financial Information

Who To Contact

The Office of Student Financial Services (SFS) assists applicants in making financial arrangements to attend Andrews University through financial clearance. Students with questions about financial assistance that they may qualify for should contact Student Financial Services. Applicants of Federal Financial Aid need to apply and complete the process well in advance of enrollment to assure consideration of all resources, particularly limited ones, and to assure a smooth registration process. Contact information:

Office of International Student Services. All international students who enter the U.S. on an Andrews University I-20 Form are considered Andrews University students. They must report immediately upon arrival to the Office of International Student Services. The office is located in the Campus Center.

Office of Employment

The Office of Employment, which is part of Human Resources, assists students with on-campus employment needs. The office provides information regarding employment opportunities, assistance with necessary paperwork, administers employment tests and is responsible for updating employment files. The office is located in the Administration Building, Second Floor.

Office of Student Insurance

The Office of Student Insurance, which is part of Employee Services, Human Resources, provides information regarding student accident and sickness insurance, as well as providing a student advocate to help mediate for the student, if necessary. The office is located in the Administration Building, Second Floor.

Office of Student Insurance

Insurance

Rates

*Rates reflect 2014-2015 school year and are subject to change each school year.

Accident/Sickness. Every international student in “student status” and every other student registered for 6 or more credit hours is to be covered by at least an Accident and Sickness Plan. This may be purchased through the university by signing up online in Registration Central at registration time. International students are required to include all dependents that are here in the U.S. and there is an additional fee for adding dependents. Payment for this coverage can be charged to the student’s account. The insurance is non-refundable after the drop/add date.

International students are required to have health insurance irrespective of their class load.

Waivers. Students who have comparable coverage from elsewhere may waive the student health insurance plan by entering their health insurance information in Registration Central at the time of registration. Proof of health insurance must be taken to the Office of Student Insurance in the Administration Building before the drop/add date for verification of coverage each semester.

Brochures. Information describing the health insurance coverage can be viewed at www.andrews.edu/hr/stu_insurance.html or at the Office of Student Insurance in the Administration Building.

The health insurance premium is charged to the student’s account via information entered in Registration Central. A waiver will prevent this charge from occurring (see Waivers above).

Medicaid. Michigan Medicaid is considered proof of insurance for U.S. citizens and Permanent Residents and should be entered into the waiver section of Registration Central at the time of registration. The only difference is that the student will be required to bring their current Medicaid card to the Student Insurance office in the Administration Building before drop/add date for verification of current coverage. This must be done for each registration period that the student is enrolled in school. If proof of current Medicaid is not provided, the student will be charged for the student insurance and the charge will be non-refundable.

Note: Medicaid from any other state will not be accepted as proof of insurance.

Student Employment

Students desiring part-time employment must be enrolled fulltime (12 undergraduate credits, 8 graduate credits, or 9 Master of Divinity credits) and they must complete the necessary paperwork at the Office of Employment. To be employed, students must show the Office of Employment original documents (no photocopies) that establish their identity and employment eligibility, such as a U.S. passport, birth certificate, or social security card.

The University allows students to work, as work is available, up to 20 hours per week during the academic year. To maximize work opportunities, the student should schedule their classes so that large portions of the mornings or afternoons are free. Professional performance and conduct is expected in all on-campus employment.

Payroll Schedule. Andrews University follows a biweekly payroll schedule. Student employees are responsible for having their time submitted to their department supervisors each Monday morning. The university does not issue payroll advances for time turned in late.

Dictionary of Miscellaneous Money Matters & General Fees

Students have two types of expenses while attending the university—educational (tuition, books, insurance and fees) and living (housing and meals).

The University makes every effort to maintain the costs published in this bulletin. The University reserves the right to make changes as necessitated by unexpected increases in costs. Such changes are announced in advance of the semester in which they become effective.

Additional Costs. The online registration process, Financial Plan, estimates the two types of costs mentioned in the preceding section. However, students may incur additional expenses that are not estimated at the time of pre-registration. These billed expenses may include, but are not limited to, lab fees, class fees, trips and tours, club fees, printing charges, and expenses related to a major such as photo store charges. Many of these expenses are described in more detail in the following pages. Fees are non-refundable.

Alternative Loans. Student Financial Services considers all awarded grants, scholarships and loans for a student’s cost of attendance as resources when certifying an eligible amount of private educational loan funds. See Cost of Attendance Limitations  for a list of these resources.

Auditing a Class. The cost of auditing a class is the same as the cost of enrolling for credit.

Carrying Charge of 1% is charged on all unpaid account balances monthly.

Cash Withdrawal. Andrews University is unable to serve as a bank for students. Sometimes students have a credit balance on their student account they need to withdraw. Students may request a cash withdrawal at the front desk in Student Financial Services. A maximum of three cash withdrawals not exceeding $300 may be requested during an academic term. Cash withdrawals are not available if payment was made by credit card. Cash withdrawals may not be paid on monies anticipated in a future term. The student must present a current AU student ID or valid driver’s license for release of funds.

Dropping/adding a course, changing from credit to audit, or from audit to credit after the “last day to enter any class” as published in the academic calendar, will be assessed a fee.

Club Dues. Clubs approved by Student Activities may recommend a maximum of three club dues to student accounts only during September and January. Appropriate forms with required information are turned in to Student Financial Services by September 25 and January 25. Student accounts cannot be used for fund-raising. Each club can only charge maximum annual dues of $50.

Course/Lab Fees listed in online class schedule

Credit Balances on student accounts may be withdrawn by or at the direction of the person responsible for the student’s account after the final statement is issued—usually thirty days after the last day of attendance.

Credit Card Payments will be accepted to pay account balances, but cannot be accepted for a student to make a cash withdrawal from his/her student account. Secure payment can be made via the Andrews web page at www.andrews.edu. This requires a login and password.  The following information is required:

Student Name:
Student ID #:
Type of card: (Visa/MC/Discover/American Express)
Card #:
Expiration Date:
Name on Card:
Telephone:

Distance Education.  Financial policies pertaining to Distance Ed are shown in the School of Education Finance Section.

Dual Enrollment. Advanced undergraduate students need to check with their Financial Aid advisor regarding award eligibility.

Ending Balance. When a student leaves the University, any balance of $5 or less is not collected after one year.

Exit Procedures. Check-out procedures must be followed when a student leaves Andrews University without the graduation process. Students should ask for Andrews University Student Exit Procedure Forms from the dean’s office in the school in which they are enrolled or from the Student Services office. All required signatures on the form must be obtained to ensure that the necessary information has been given both to the student and to the departments listed on the form.

Financial Clearance is required in order to:

• Activate ID card
• Complete registration at the beginning of each semester
• Graduate or receive a certificate or diploma
• Move into residence hall
• Receive a transcript or other certification of academic achievement

In order to obtain financial clearance to complete registration, any previous account balance (academic or housing) must be paid in full. All required documents must be turned in to Student Financial Services 30 days prior to registration.

Free Class

For university employees, refer to section 4:6-100 of the Employee Handbook.

For university salaried full-time employee spouse, refer to section 2:726 of the Andrews University Working Policy. 

General Fees for on and off main campus

Main-campus degree students. All students completing an Andrews degree from the main campus (those attending classes on the main campus in Berrien Springs) enrolled for 5 or more credits will be charged the following general fee each semester at registration:

Graduation Fee. All students from off-campus programs will be charged a graduation fee as follows:

Identification Card

Each Andrews University faculty, staff and student is issued an original card for free and the card remains the property of the university. The cost to replace a card is listed below:

Immunization Costs (as required)

Certain classes require immunization (i.e., biology, clinical laboratory science, nursing, physical therapy, and speech pathology). Immunization costs are charged to the student’s account.

Lab/Course Fees (listed in current class schedule)

Non-Current Student Accounts on which no payments are being made, may be turned over for third party collection. Students whose accounts are non-current must pay the account in full, including collection costs, before they may register for any additional coursework.

By enrollment, students agree to the following responsibility statement:

“In consideration for any and all credit extended to me at any time in the past, present or future, I agree to give Andrews University a security interest in my student records. I understand that, in giving the University such an interest, I may not obtain a diploma or  transcript of my record at any time for any reason unless my account is paid in full. The security interest I grant to the University is intended to cover any and all current indebtedness as well as any and all future advances of credit which the University may grant me at any time. I also understand that a 1% per month carrying charge will be added on my unpaid balance and I agree to pay this carrying charge in addition to any other debt. I recognize that the above figures are estimates and I accept the responsibility for the payment of actual charges incurred. I specifically agree to reimburse the university for any costs and expenses of collection if I fail to meet my obligations.  The costs and expenses of collection include, but are not limited to, reasonable attorneys’ fees, fees of a collection agency (which may be based on a percentage at a maximum of 33.3% of the debt), and any direct costs or expenses whether incurred by the university, an attorney, or a collection agency.  I understand that sundry charges not listed in the above estimate are due the month in which they appear on the statement.”

Payment Plans

1. Cash Rebate Plans
   3% Rebate Plan—Full time regular students with at least 12 undergraduate credits, at least 8 graduate credits may choose to pay their estimated Out-of- Pocket Expenses (charges less financial aid resources) for the full year by August 15 to receive a 3% rebate. After making payment, e-mail sfs@andrews.edu by the first day of class to request the 3% rebate. The student’s minimum Out-of- Pocket Expenses as calculated online in Registration Central must be at least $1,000 to qualify for this plan. The rebate
   is unavailable for payment made after the first day of class. Cash withdrawals and refunds are unavailable until the end of spring semester. All approved rebates will be applied to the student account during the fall semester.
   1% Rebate Plan—Full-time regular students with at least 12 undergraduate credits, at least 8 graduate credits may choose to pay their estimated Out of- Pocket Expenses (charges less financial aid resources) in full for the semester to receive a 1% rebate per semester. The student’s minimum Out-of-Pocket Expenses as calculated online in Registration Central must be at least $500 to qualify for this plan. Each payment must be receipted by August 15 for fall semester and December 15 for spring semester. After making payment, e-mail sfs@andrews.edu by the first day of class to request the 1% rebate. The rebate is unavailable for payment made after the first day of class. Cash withdrawals and refunds are unavailable until the end of that semester. All approved rebates will be applied to the student account during that semester.
2. Payment Plan—Arrange to make monthly payments toward estimated Out-of-Pocket Expenses for the semester.
   1. All previous account balances (including payment plan balances) must be paid in full.
   2. The plan is not to exceed more than 60% of the estimated Out-of-Pocket Expenses for the semester.
   3. Payments are to zero the account by the end of the semester to which the plan applies.
   4. Late payments will incur a late payment fee of $25.
   5. A carrying charge will be posted monthly to any unpaid balance for current and previous terms.
   6. Minimum balance for Installment Plan is $500 or above.

Post-Dated Checks are not accepted.

Prior Accounts. Students may register only when accounts with other schools have been paid or arrangements made with them.

Refund Check Policy

• Refund checks resulting from credit on the student’s account will not be available to the student until approximately five days after the semester drop/add date. The checks will be mailed to the address the student wrote on the request form or for pickup at the office of Student Financial Services front desk.
• Refund checks will only be issued from credit on the account at the time the check is requested. Students should monitor their account balances carefully since funds from a future semester are unavailable until the appropriate time.
• Student Financial Services is unable to serve students as a bank. A maximum of three credit refund checks may be requested during a semester.
• Students receiving federal loans are encouraged to carefully read their Disclosure Statements so they know the loan disbursement schedule.
• Funds from future semesters are unavailable until the funds reach the University’s bank. Students should plan their budgets accordingly.
• Half-time enrollment is required for student loans to disburse to the account. A class does not count toward the half-time enrollment status until within ten (10) days of its start date.
• To pick up a refund check in Student Financial Services, the student must show current Andrews University ID or valid driver’s license.
• For anyone other than the student to pick up the refund check, the student must sign a letter giving permission for that person to pick up their check. Without the appropriate documentation, the refund check will not be released.
• Federal regulations require that credit from Parent (PLUS) loans be returned to the parents. Written authorization from the parents is required before these funds can be released to the student.
• If you have received or are planning to receive Federal student loans, please be aware that you have the right to cancel all or a portion of your loan disbursements. However, you must act within 30 days of your loan disbursement. Contact your financial advisor if you need more information.
• Credit refund checks not picked up will be mailed to your statement mailing address.

Registration Central. For information on how to financially clear and register online, visit vault.andrews.edu and log on to “Registration Central.”

 required for:

• Academic tours
• Adventist Colleges Abroad applicants
• Off-campus academic experiences
• Taskforce and Student Missionary appointees

Account balances, including installment payments not yet due, must be paid in full before students are financially cleared. When a student on tour is sent home for medical, financial, or citizenship reasons, all travel costs must be paid by the student and/or family.

Student Status. Student status is achieved only after a student is both academically and financially cleared. Only then may students attend classes, take examinations, participate in graduation exercises, and live in university housing.

The estimated semester cost of textbooks is $550. Students are charged the estimated amount of their bookstore purchases.

Thesis/Dissertation Fees

Fees for copyediting of theses/dissertations are on a sliding scale basis, starting at $130 for 50 pages, plus $5 for each additional 10-page increment.

Transcript and Diploma. Students may not receive a transcript or diploma under the following circumstances:

• Owing on a student or housing account, including installment payments not yet due
• Being in default on a government loan
• Needing to complete loan exit counseling

Transcript Exception. Students may request that a transcript be sent to the following:

• An organization for scholarship or licensure purposes (AMCAS, AADS, or PTCAS)

Academic Transcript Exception Policy for Student Loan Borrowers in Default

University policy prevents the Office of Academic Records from releasing academic transcripts for borrowers who are not paying on their Federal Stafford (Subsidized/ Unsubsidized), GSL or Federal Supplemental Loan for Students (SLS). Every request is handled on an individual basis; however, if the borrower complies with the appropriate guidelines below, the academic transcript requested directly from the Office of Academic Records may be issued for the following two limited purposes:

For Educational Purposes

1. The transcript is to be sent directly to the academic institution.
2. The borrower must have made six consecutive monthly payments as scheduled prior to release of the transcripts.
3. The provisions and conditions in #2 above are certified in writing by the lending institution or the guaranty agency handling the loan.
4. A copy of the letter described in #3 above confirming satisfactory status is sent to Student Financial Services. The confirmation letter is valid for the purposes of this policy for six months from its date, and future requests may be denied if the satisfactory status is not maintained. 

For Employment Purposes

1. The transcript is released for employment purposes only and is so stamped.
2. The transcript is sent directly to the prospective employer and may not be shared with any other party.
3. The borrower in default must contact the guaranty agency (or agencies) in writing to acknowledge the student loan debt and make an acceptable repayment commitment of a specified monthly amount.
4. A copy of the letter written to the borrower’s lender or guaranty agency, as stated in item #3 above, must be sent to Student Financial Services.
5. Future requests for academic transcripts may be denied should a borrower not fulfill his/her promise as stated in the letter to the guaranty agency.

Updating Course Work Fee—20% of graduate tuition per credit

Wiring Funds

International Students

Advance Deposit. Applicants attending the main campus from outside the United States (except Canada and Mexico) must make an advance deposit of $3,000 before an I-20 will be issued.  No university scholarships may be applied to pay the deposit.  All international students (except Canada and Mexico) who apply for the MDiv program in the SDA Theological Seminary must pay for the first semester (tuition, general fee and health insurance) before an I-20 will be issued.  New international graduate students from *cited countries (Kenya and Ethiopia) must pay their first semester in advance (tuition, health insurance, general fee and other school fees) in addition to the international deposit ($3,000) before an I-20 will be issued.  Returning students must pay their balance in full before an updated I-20 will be issued.  Exceptions to the deposit requirement are made if a student is staying on campus for less than a month.  Under these circumstances, no deposit is required.

All students requiring an I-20 must be officially accepted into their chosen academic program.  Students must also submit the following: an Estimated Budget for Students Attending on a Visa form, financial statements showing that they can cover their first year expenses (see Resource Verification for more information), a copy of their passport, the mailing address and telephone number of the address where the I-20 is to be mailed.  Please contact isfs@andrews.edu for the budget sheet and additional information.

All students are encouraged to pay the $200 SEVIS I-901 fee (subject to change) online at www.fmjfee.com or at the Western Union Quick Pay services or to contact Andrews University International Recruiter in case of unavailability of the Western Union services in their countries. This fee is required by the U.S. Immigration and Customs of all students seeking an F-1 or J-1 visa from an embassy or consulate as well as students applying for admission at a U.S. port-of-entry (such as Canadians) to begin initial attendance at U.S. schools.

* As determined by AU Financial Management Committee.

New Student International Fee.   This is for new students only.                                                                              $100

SEVIS Fee. International students coming to the United States for the first time must pay a $200 SEVIS fee (subject to change), as mentioned previously, and the cost of the visa at the American Consulate of his/her home country. International students and exchange visitors are subject to the $200 SEVIS fee (subject to change) which is used to administer and maintain the Student and Exchange Visitor Information System (SEVIS). The University will send instructions regarding payment of this fee along with an international student’s I-20. To make this payment online or to find out more about the SEVIS fee please visit www.fmjfee.com. It is very important to have paid your SEVIS fee before your visa interview. If you are a Canadian student you must have your original receipt with you at the U.S. port of entry.

Unclaimed International Deposits Policy. International student deposits that have not been refunded within four years after the student reaches non-current status shall be transferred from the student’s international student deposit account to a quasi endowment account.

Student Financial Services will monitor the international student deposit account on an annual basis to determine the appropriate transfer of funds to the International Graduate Assistance Fund Account. At the discretion of Student Financial Services, these funds will be available as payment on account to assist graduate international students in their financial clearance process.

The initial funds shall be established as a quasi endowment from which 80% will be invested and 20% will be available annually.

Any subsequent requests will be claimable after identifying that the person is the one who paid the deposit to the account.

International Deposit Allocation. This deposit is not available to cover registration expenses; the deposit earns interest during the time the student is enrolled with full-time tuition. The deposit plus interest is refunded when the student’s degree is completed or enrollment is terminated; alternatively, it can be used as partial payment for the final semester of registration.  If the student doesn’t complete the educational program during the term the deposit is used to meet expenses, the deposit must be reinstated for financial clearance.

Resource Verification. Bank documentation as well as other forms of financial documentation are required to prove ability to support one’s educational expenses. This documentation must be sent to the university directly from the bank. Sponsors in the USA will be required to sign an affidavit of support or a letter of sponsorship. In addition, the applicant must demonstrate adequate financial support for the duration of the program for which (s)he is applying.  Returning students needing an updated I-20 will also need to supply bank documentation.

I-20 Form. Once the deposit and resource verification are received and accepted, the university authorizes the Office of International Student Services to issue the I-20 Form for the purpose of securing a United States student visa. There is an individual I-20 shipment charge that will be billed to your Student Account.  This shipment charge varies according to the country of destination.

Arrival to Andrews University Campus. All international students who enter the U.S. on an Andrews University I-20 Form are considered Andrews University students and must report immediately to the Office of International Student Services.

Exchange Visitor General Conference Sponsorships. The General Conference of the Seventh-day Adventist Church is the sponsoring organization of the Exchange Visitor program and is authorized by the Department of State to issue the DS2019 document. The exchange visitor is required to present the DS2019 and a copy of the $200 SEVIS Fee Receipt at the American Consulate in order to obtain a J-1 visa. This visa (J-1) enables the exchange visitor to pursue his/her study or to do other options as indicated on the DS2019.

Class Loads and Financial Aid

Aid is awarded for an entire academic year (two semesters) and is based on full-time enrollment. The summer session usually is not part of the regular academic year. Students do not receive aid during non-enrollment periods. Most aid programs require students to be enrolled at least half-time. Students who enroll with a half-time class load may receive a maximum of 50% of the full-time award. Three fourths time enrollment permits students to receive a maximum of 75% of the full-time award. Students who change their course load during a given semester should read the Financial Aid Refund policy, see Undergraduate Financial Assistance .

Tuition Adjustment Policies

Tuition adjustments are given to students who withdraw from school or drop individual courses during the academic term. These tuition adjustments are based on the date when all the appropriate drop forms with all the required signatures are completed and filed with the Office of Academic Records.

Courses with Special Schedules. When courses are scheduled for irregular periods of time, adjustments are based on the ratio of the length of the course to the length of the academic period for that course. See also: Withdrawals and Refunds for Self-paced Courses .

Fees. All fees are non-refundable.

Financial Assistance Adjustments after withdrawal. Federal and State regulations require the university to return a portion of program funds when a student withdraws completely from school after receiving financial assistance under any Federal Title program (other than Federal Work Study). Refer to Undergraduate Financial Assistance  for Financial Aid Refund Policy.

Gifts and Bequests

Each year the university has increased needs for scholarship funds to aid students. The Trustees of Andrews University invite alumni, friends, and members of the university family to join them in providing an increased opportunity for training youth in the traditions of a Christian university.

The following supplies contact information for making a gift, either unrestricted or designated for a specific purpose, to Andrews University:

Current Gifts

Individuals interested in making a current donation to Andrews University of either cash or non-cash assets should contact:

Office of Development
Andrews University
8903 U.S. Hwy 31
Berrien Springs MI 49104-0660
269-471-3124

Deferred Gifts

Individuals desiring to leave a gift to Andrews University by way of a bequest or another estate plan option should contact:

Office of Planned Giving & Trust Services
Andrews University
8903 U.S. Hwy 31
Berrien Springs MI 49104-0645
269-471-3613