Undergraduate Financial Assistance

Academic Scholarships Funded by Andrews University

The Andrews Partnership Scholarship reflects the university’s desire to recognize academic achievement as well as assist students in achieving a degree in a Christian environment at Andrews University.

Andrews Partnership Scholarship (Online degree seeking students are not eligible for Andrews Partnership Scholarship)

Merit-based
The Andrews Partnership Scholarship is available to accepted undergraduates including Canadian and international students. The Office of Undergraduate Admissions will determine the scholarship amounts for incoming freshmen and transfer students. To establish the scholarship amount, the Office of Undergraduate Admissions will determine a rating based on the following guidelines:

FTIACS (defined below)

• Confirmed U.S. SAT or ACT scores (Test must be taken by July 15)
• Confirmed U.S. cumulative GPA (following the conclusion of the sixth semester for academy or high school)

Transfer Students (defined below)

• Confirmed cumulative college GPA

Contact the Office of Undergraduate Admissions for further details.

FTIAC (First Time In Any College)
Andrews Partnership Scholarships are merit scholarships awarded to students who have taken fewer than 25 college semester credits after graduating from high school. The award amounts are based upon a combination of cumulative high school GPA and ACT or SAT and can be calculated at the website www.andrews.edu/aps. Andrews Partnership Scholarship is ten (10) semesters. The award levels are as follows:

Additional Andrews Partnership Scholarship for FTIAC (First Time In Any College) Students
In addition to the Andrews Partnership Scholarship (based upon the combination of high school cumulative GPA and ACT/SAT scores) freshmen are eligible for an additional annual $2,000 special APS for either (only one) of the following categories:

1. ACT composite of 30 to 33
2. SAT Evidence-based Reading and Writing (ERW) + Mathematics combination score of 1360 to 1480.
3. pSAT-NMSQT ERW + Math Combinations score of 1350 to 1460.

Note: Andrews University awards the ACT/SAT Scholarship for students scoring a composite score of 34 (ACT) or 1490 (SAT Evidence-based Reading and Writing + Math) or higher or pSAT-NMSQT of 1470 (ERW and Math) or higher.  This scholarship covers 100% tuition for up to 144 undergraduate credits for incoming freshman.  For details listed below under National Merit/National Achievement Finalists Scholarship, National Hispanic Recognition Program Scholar and ACT/SAT Scholarship.

Continuing eligibility and time frames for this scholarship are the same as for the regular APS. Transfer students do not qualify for the additional APS for ACT or SAT scores since their APS is based upon their transfer cumulative college GPA. Transfer students may qualify for full tuition scholarship if they were National Merit/National Achievement Finalists, National Hispanic Recognition Scholar or ACT/SAT Scholarship.  Students qualifying for the National Merit/National Achievement Finalists, National Hispanic Recognition Program Scholars or ACT/SAT Scholarship are not eligible for additional APS. All tests must be taken by July 15 to be evaluated to raise their APS.

Transfer Students (transferring 25 or more semester credits taken after graduating from high school) to Andrews University who are full-time undergraduates and in their first degree program may be eligible for an Andrews Partnership Scholarship. Based on their incoming cumulative college GPA, the Office of Undergraduate Admissions will grant an Andrews Partnership Scholarship according to the following:

Transfer students may qualify for full tuition scholarship if they were National Merit/National Achievement Finalist, National Hispanic Recognition Scholar or ACT/SAT Scholarship.

Named Scholarships
Endowments and other restricted scholarship funds from alumni and friends of the university provide specially named scholarships as part of the Andrews Partnership Scholarship. Selected students are awarded, by their school, a named scholarship based on academic performance, declared major, and career goals. Because of this special recognition a thank-you letter is required to be submitted electronically to the Office of Development through finVue (can be found under the requirements section). Receipt of a named scholarship will not increase the total amount of financial aid awarded if an Andrews Partnership Scholarship was already given.

Student Missionary/Taskforce Volunteer Scholarship
This scholarship is awarded to an undergraduate student who has served as an AU Student Missionary or Taskforce Volunteer through Andrews University and enrolls full-time at Andrews University the year following the year of service. The scholarship is up to $1,500 scholarship.   It is not transferable to any other school nor any other student. To apply for this scholarship fill out an application accompanied by a letter of evaluation from your mission field supervisor with the Student Missions Program in the Office of Campus Ministries.  This scholarship is not part of the Andrews Partnership Scholarship.

Summer Ministries Scholarship Program
Summer camp scholarship will be based on $210 per week for a maximum of 13 weeks or $2,730. Summer camps that pay minimum wage or higher are not eligible for this scholarship. Student Financial Services will determine the amount of the scholarship based on the information received from camp directors in time for financial clearance.

Magabooks and HHES are matched 50% of the net earnings. The entire net earnings must be placed onto the student’s account at Andrews University before the scholarship is given. The scholarship cap is $2,800.

Andrews University Field Evangelism summer scholarship and church outreach program is matched at 100% of net earnings based on information given to Student Financial Services from the AU Religion Department, church, or conference.  The scholarship cap is $1800 and is available on odd years only.

Summer scholarships for Andrews University Religion Department Barnabas Connection (Undergraduates Only) and Church/Conference outreach programs are matched 100% based on the information given to Student Financial Services from each organization. The entire scholarship must be placed onto the student’s account at Andrews University. The scholarship cap is $ 2,600.

All summer scholarships are awarded to full-time undergraduate and graduate students in a degree program attending the Berrien Springs campus and require full-time service. The scholarship closing date for consideration is October 31 of the current academic year.

If a student attends Adventist Colleges Abroad, Student Missionary or Task Force that fall, their scholarship will be held until the following year and funds disbursed the next fall semester. If they also work in a summer ministries program that year, the scholarship would be given the following fall semester.

Included and Excluded Funds
Funding for Andrews Partnership Scholarships may include Andrews University grants, named scholarships, and departmental scholarships, as well as the value of spouse free tuition. Funds not included in the Andrews Partnership Scholarship are Summer Ministries, Student Missionary/Taskforce, General Conference Missionary Matching, Undergraduate Research grants, the DeHaan Work Excellence Award, employer-provided scholarship or assistance, music performance, and non-Andrews outside resources.

Continuing Eligibility
To retain the Andrews Partnership Scholarship each student must meet all of the following:

• The university’s Satisfactory Academic Progress policy
• Complete a four-year degree in ten semesters or get permission for an APS extension from the associate vice president for Enrollment Management. Students are allowed terms of prorated APS for less-than-full-time attendance (minimum 6 full-price credits, i.e. half time; handled manually upon written request to Student Financial Services). A prorated term counts as one complete term of the ten Andrews Partnership Scholarship terms allowed. 9–11 credits=75% APS; 6–8 credits=50% APS.
• Be a full-time (minimum 12 credit hours) undergraduate completing his/her first degree on the Berrien Springs campus
• Be a full-time (minimum 12 credit hours) student on the Andrews University main campus. Twelve Andrews undergraduate correspondence credits, 12 ELI non-credits, May Express, Sahmyook Top Scholar, and other discounted credits, do not qualify as full-time eligibility for  the Andrews Partnership Scholarship.

Summer Enrollment
An Andrews Partnership Scholarship recipient may request the Andrews Partnership Scholarship during the summer term if all of the requirements are met. The summer term will count as one of the 10 semesters for which the Andrews Partnership Scholarship may be available. Usually the only aid available for summer is a student loan.

Special Andrews Partnership Scholarship

National Merit Finalists Scholarship, National Hispanic Recognition Program Scholar and APS/SAT Scholarship
Andrews University rewards National Merit Finalists, National Hispanic Recognition Program Scholars and ACT/SAT Scholarship recipients (those with a composite score of 34 ACT or 1490 SAT (Math + Verbal or higher) a special Andrews Partnership Scholarship that covers 100% tuition for five years for incoming freshmen with a cap of 144 credits and limited to a declared degree(s). To confirm receipt of the scholarship, submit appropriate records (award letter, certificate and/or official test scores)  to the Office of Undergraduate Admissions.  Rules:

1. Total aid received by the awardee, including a university scholarship or grant, cannot exceed the cost of attendance. Gift aid includes external scholarships, merit aid, and then need-based aid. Non-gift aid includes Educational Allowance, federal loans and private loans. Should the total aid exceed the cost of tuition per semester, then books, general fee, required course fees and the standard costs of room (double occupancy) and board (meal plan) may be included in the calculation.
2. No cash amount is paid directly to the student, nor may any funds be transferred to any other student’s account if total aid includes an educational allowance plus a 100% tuition scholarship with the following exception:
   1. Federal PELL grant and student loans may be withdrawn if they create a credit balance. No greater than the amount of these funds may be withdrawn.
   2. Excess credit from educational allowance plus 100% scholarship may not be withdrawn; however, it may carry over from fall/spring to be used toward a summer tour if made aware of.
3. The length of this 100% tuition Andrews Partnership Scholarship is ten (10) semesters with a cap of 144 credits and limited to a degree(s).  Transfer credits and dual credits taken in Academy or High School do not count in the cap for first time Freshmen. 
4. All 100% tuition scholarships will be renewed yearly if students maintain a 3.25 Andrews University cumulative GPA.  If GPA is above 2.0 but below 3.25 after a warning term, the standard Andrews Partnership Scholarship will be awarded in lieu of the 100% scholarship. 
5. Transfer students may qualify for the National Merit Finalist, National Hispanic Recognition Program Scholar or ACT/SAT Scholarship under the following conditions:
   1. The scholar enters the scholarship program at his/her appropriate grade level.  In no case is a transfer scholar eligible for a full five-year scholarship.
   2. The student must meet the GPA requirements as outlined in #4 above at his/her appropriate grade level.

Andrews Gift Aid
In addition to the Andrews Partnership Scholarship, Andrews University makes Andrews Gift monies available to help satisfy the student’s need as determined by the financial aid information. To be eligible for Andrews Gift aid, students must file the Free Application for Federal Student Aid (FAFSA), www.fafsa.ed.gov. To complete your financial aid award, you will need to submit the AU Financial Information Sheet and any other documents required for verification by the Student Financial Services Office. If you did not or could not use the IRS Data Retrieval Tool on the FAFSA, we will need an IRS Tax Return Transcript. You can request one at www.irs.gov/individuals/get-transcript.  The priority processing date is March 1. No electronic award letter will be prepared until Student Financial Services receives and processes these forms. Andrews Gift will be recalculated if outside resources are received after initial awarding.

Many of the financial aid programs presented in this bulletin are governed by Federal and State regulations. Every attempt has been made to be accurate in the program description at the time of printing. Changes, however, may be made over which the university has no control.

Defining Financial Need

When figuring eligibility for financial aid, need is determined by the following Financial Aid Formula: Cost of Attendance - Expected Family Contribution = Need

Cost of Attendance refers to the amount it costs to attend Andrews. This cost includes tuition, estimated cost of books, general fee, room and board, personal and travel allowances.

Expected Family Contribution is determined by taking financial information provided by the student on the Free Application for Federal Student Aid (FAFSA) and calculating a result.

Educational Need is the difference between cost of attendance and expected family contribution.  Need-based aid comes from Federal, State, and/or institutional funds.

General Information

FERPA. Andrews University follows the Family Educational Rights and Privacy Act guidelines.

Financial Aid Documents. To find required documents visit www.andrews.edu/sf.

To complete your financial aid offer, you will need to submit the Financial Information Sheet and other documents if selected for verification. If you did not or could not use the IRS Data Retrieval Tool on the FAFSA, we will need an IRS Return Transcript. You can request one at www.irs.gov/individuals/get-transcript.  No financial aid offer will be prepared until Student Financial Services receives and processes these forms. Priority processing date is March 1.

The United States Department of Education selects some students for whom the school must verify the information submitted on their FAFSAs.

When to do the FAFSA. Students can file the FAFSA online after October 1 for the following academic year and sign electronically with the student’s FSA ID.  The Federal office will process aid eligibility only after receiving an electronic signature.

School Name and Federal School Code. The FAFSA must include the name(s) of the college(s) to which the student is applying. Andrews University’s Federal School code is 002238.

Federal, State, and Institutional Financial Aid. The information on Federal and State-based aid is in accordance with regulations and funding information available at the time this bulletin goes to press. Actual awards depend on Federal and State regulations and funding at the time aid is disbursed.

Aid money is credited to the student account each semester. Any change required in the student’s verification process (check to be sure what was entered on the FAFSA matches what was entered on the verification forms) can change the financial aid award.

Washington State Residents seeking information and resources about student loan repayment or seeking to submit a complaint relating to your student loans or student loan servicer, please visit www.wsac.wa.gov/loan-advocacy or contact the Student Loan Advocate at loanadvocate@wsac.wa.gov.

Master Promissory Note (MPN). Andrews University follows Federal guidelines for Master Promissory Notes. Students sign electronically a loan note only once indicating their intent to use loans to pay their tuition expenses and their commitment to repay the loans after graduation. Once electronically signed, the loan note remains active for ten years (unless it is canceled by the student). Andrews University uses an in-house loan-request form for students to indicate which loans and how much loan eligibility they will use each year.

Funding Limitations. Should university aid funds become over-committed, Andrews University reserves the right to reduce all previously granted awards, to discontinue making further awards, and/or to use other appropriate methods to bring aid expenditures into agreement with budgeted aid figures.

Financial Aid Eligibility. To be eligible for financial aid, a student must be:

• Accepted on regular, provisional, or probationary status (guest student status is not recognized for aid purposes).
• Enrolled in a program of study leading toward a degree or an approved certificate program.
• Registered for at least one-half of a full class load each semester.

A full class load is usually required for institutional aid.

Citizenship Requirements for Federal and State Aid.

1. A U.S. citizen or national (includes natives of American Samoa or Swains Island)
2. A U.S. permanent resident.
3. Citizens of the Freely Associated States: the Federated States of Micronesia and the republics of Palau and the Marshall Islands. Eligible only for Pell Grant.
4. Other eligible non-citizens.
5. Only students who meet the Michigan residency requirements and filing dates will be eligible for Michigan aid consideration.

Non-citizen Eligibility. An eligible non-citizen is a student whose status matches one of the following:

1. A U.S. permanent resident who has a Permanent Resident/Resident Alien card.  (I-151, I-551, I-551C).
2. A person who has an Arrival-Departure Record (I-94) from the Bureau of Citizenship and Immigration Services (BCIS) showing one of the following designations: “Refugee,” “Asylee,” “Parole,” [“Conditional Entrant” (valid only if issued before April 1, 1980)]. They may also have a Refugee Travel Document (Form I-571).
3. Cuban Haitian Entrant having a stamped across the face of the I-94 indicating that they have been classified as a “Cuban-Haitian Entrant (Status Pending).”  Students without I-94 documentation may have their status confirmed by a Customs and Border Patrol stamp, showing class of admission and date admitted or paroled on their passport.
4. Victims of human trafficking will have a letter from Health and Human Services or a T-visa. Battered immigrants under the Violence Against Women Act (VAWA) will have an I-797 form, a court order from an immigration judge, or an I-360 form with approval or prima facie finding by USCIS. 
5. Persons with a passport with an Arrival/Departure Record (I-94) stamped with the following endorsement: “Processed for I-551. Temporary Evidence of Lawful Admission for Permanent Residence. Valid until _________, Employment Authorized” with an A-number and valid date. 
6. Persons with an unexpired foreign passport containing a machine readable immigrant visa (MRIV) in the passport, with a Customs and Border Protection inspector admission stamp and the statement “UPON ENDORSEMENT SERVES AS TEMPORARY I-551 EVIDENCING PERMANENT RESIDENCE FOR 1 YEAR.” The MRIV must be in an unexpired foreign passport, endorsed, and is valid for one year from the date on the endorsement stamp.
7. Persons with a U.S. Travel Document containing a Re-entry Permit (I-327) or Refugee Travel Document (I-571) annotated with “Permit to Re-enter Form I-327.”
8. Persons with at least 50% Native American blood born in Canada.  They may need to provide proof of both qualifications.

Notes:  Conditional Resident Aliens have documentation that expires.  This documentation is acceptable to receive Federal Financial aid as long as the expiration date has not passed.

Students who have only a Notice of Approval to Apply for Permanent Residence (I-171 or I-464A), students who are in the United States on an F1 or F2 student visa only, or students on a J1 or J2 exchange visitor visa only cannot receive Federal and State aid. Also, persons with G series visas (pertaining to international organizations) are not eligible for Federal and State aid.

Certain Native American students born in Canada with a status under the Jay Treaty of 1789 may also be eligible for federal student aid.

Undocumented students, including DACA recipients, are not eligible for federal student aid, but you may still be eligible for institutional aid, in addition to private scholarships.

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.

The student’s continued eligibility for financial aid is also based on his/her academic progress as described in the following chart:

Cost of Attendance Limitations. The maximum award a student can receive is regulated by Federal and State regulations. The university is required to ensure that the combined financial resources available to students from Federal and non-Federal sources do not exceed documented educational need. These sources include but are not limited to:

• William D. Ford Federal Direct Loan Program (formerly the Federal Stafford Loan Program—and hereafter referred to as the Federal Direct Loan)
• Federal Pell Grant
• Federal Supplementary Educational Opportunity Grant (FSEOG)
• Tuition and fee waivers
• Andrews Partnership Scholarship
• Andrews Gift
• Scholarships or grants from parent’s employer
• State grant and scholarship
• Any grant or scholarship from any source
• Federal work-study earnings

Student Financial Services monitors all aid and is required to adjust awards to conform to Federal, State, and institutional regulations.

Special Circumstances. Under certain situations, the United States Department of Education permits a school’s financial aid office to make adjustments to the parent’s or student’s analysis information (provided on the FAFSA at the time of application). The adjustments permitted take into account changes in the family’s financial situation that occurred since the FAFSA was completed. These special situations include, but are not limited to:

• Loss of employment
• Loss of untaxed income
• Separation or divorce
• Death of a parent
• Illness or excessive out-of-pocket medical expenses
• Tuition paid by parents for student siblings in elementary or secondary school

Students who have completed their financial aid process and later experience one of these special situations should ask their financial advisor to review their aid eligibility. To request this financial aid eligibility review, the independent student or the parent of a dependent student must provide a signed professional judgment request, with proof of change. Proof may include such documents as a death certificate, employer discharge letter, or last paycheck stub.  When requesting a review, emphasis should be placed on information that was not available originally to the Student Financial Services Office. Anticipated changes are not grounds for a review. After reviewing the information submitted, Student Financial Services may require additional documentation.

Unfortunately, not all circumstances that are considered special by parents and students are permissible by the federal government. Appeals to the initial determination must be received in writing no later than three weeks after receiving the initial determination. Appeals are reviewed by the vice-president for Financial Administration and Enrollment Management together with the director of Student Financial Services. All information regarding financial aid in general and special conditions is treated confidentially.

Priority Dates for Financial Aid Applicants. Students desiring financial aid must apply each year and submit the following documents:

• October 1—The Free Application for Federal Student Aid (FAFSA) should be filed on-line at www.fafsa.ed.gov indicating Andrews University (school code 002238) as the first college to which the analysis report should be sent. 
• After October 1—Submit the AU Financial Information Sheet (Undergraduates only) and other documents if selected for verification. If you did not or could not use the IRS Data Retrieval Tool on the FAFSA, a copy of a signed 1040 or an IRS Tax Return Transcript is required. You can request an IRS Tax Return Transcript at www.irs.gov/individuals/get-transcript.  Some campus based funds may not be available after March.

Financial Aid Refund Policy. This policy covers changes in the amount of financial aid due to the dropping of classes or withdrawal from school.

Students who receive financial aid from state or Federal funds must be aware that any change in the number of credits taken during each semester may affect the amount of financial aid they can receive. A smaller number of credits lessens the amount of aid. The amount of aid hereby forfeited must be returned to the aid fund. Likewise, a complete drop means that aid funds be returned, depending on the date of the complete drop. The rules controlling such refunds to the aid fund(s) are determined by the U.S. Department of Education and are used for all Title IV recipients nationwide.

Return of Title IV Funds Policy

Title IV funds are awarded to a student under the assumption that the student will attend school for the entire period for which the assistance is awarded.  When a student withdraws from Andrews University for any reason, officially and/or unofficially, the student may no longer be eligible for the full amount of Title IV funds originally awarded.  (Title IV aid refers to federal aid programs under the Higher Education Act of 1965). The return of funds to the federal government is based on the premise that a student earns financial aid in proportion to the length of time during which they remains enrolled.

Federal Regulations require a recalculation of financial aid eligibility if a student:

• Completely withdraws
• Stops attending before the end of the term
• Fails all classes

Financial aid that is processed for a student who never begins attendance will be canceled and all of the funds will be returned to the Department of Education.

Earned Versus Unearned Financial Aid

If a student withdraws officially, unofficially, or through Administrative withdrawal from Andrews University, federal regulations require us to calculate Federal Title IV aid earned during the term in which the student no longer attends.

Title IV aid disbursed is earned based on a ratio of calendar days attended, to total calendar days in the Semester, less any breaks of 5 or more days.  Once the 60% point in the enrolled Semester is reached, a student is considered to have earned all of the financial aid originally awarded and no return of Title IV aid is required. 

Earned aid based on days attended can remain disbursed.

Student Notification of Repayment

The return regulations require a calculation of amounts a school must return, and/or may return.  Students are ultimately responsible for returning unearned funds, however; Andrews University does return all unearned aid to the Department of Education on the student’s behalf.

As a result, the student may owe a balance to Andrews University after a return of Title IV funds.  It is the student’s responsibility to pay the school for the balance.  A financial hold for the balance will prevent any registration of courses in the future.  A balance on account will also hold a transcript and diploma from being released.

Federal Formula

The amount of Title IV aid earned is determined by multiplying the result of the ratio of days attended to total days in the Semester by the total of the Title IV aid disbursed (plus Title IV aid that could have disbursed in the case of post-withdrawal pending aid). 

Example:  5 days attended/100 total days = 5% (total Title IV aid disbursed) = earned aid.

The regulated time frame to return funds is no later than 45 days from the determination of a withdrawal.

Determination of Withdrawal Date

Our institution is not required to take attendance. Therefore, the date we use in the return of funds calculation is the date the student officially and/or unofficially withdraws or stops attending courses.  This would be either date of submission of a student exit form or the official notification date of a student that they wish to withdraw. 

If a student stops attending without notification, the date used will be the verified last date of academic activity collected from instructors for all withdrawn courses in the term. This date coincides with the last date of attendance, the last date of an academic activity such as homework assignment, quiz, exam or graded paper.

Not Started

Andrews University requests that instructors report each Semester whether or not a student begins attendance in a course.  If a student does not begin attendance in a course, that course must be taken out of consideration for Title IV funds. The Title IV funds will be recalculated excluding that course. Depending on the remaining hours of registration, students may have their aid partially reduced or fully reduced. Students may also be subject to Title IV return calculations resulting in a reduction or cancelation of Title IV aid.

Students who do not plan to attend and will not be participating in a course should drop the class prior to the start of the term (or, at the very least, within the 100% refund period) to avoid Title IV aid recalculation.

Post-Withdrawal Disbursement

Students that withdraw completely with pending aid that did not disburse prior to withdrawal may be eligible for a post-withdrawal disbursement.  If the post-withdrawal disbursement includes loan funds, the student must give permission before the funds can be disbursed. 

Andrews University may use all or a portion of the post-withdrawal disbursement of grant funds for qualified educational expenses.  Permission is required to use post-withdrawal grant funds for all other school charges.  Students will be notified within 30 days of the determined withdrawal date.

Unearned Non-Passing Grades

Students who receive all non-passing grades (F grades) at the end of the Semester, and whose attendance cannot be verified with instructors in all courses enrolled, will be considered unofficially withdrawn and all aid will be returned.

Federal Title IV Aid Programs Order of Return

After calculating, the federal formula funds are returned in the following order for students who drop all their classes:

• Unsubsidized Direct Loan
• Subsidized Direct Loan
• PLUS Direct Loan (Parent)
• PLUS Direct Loan (Graduate)
• Federal PELL Grant
• Federal SEOG
• Other Title IV student assistance

Withdrawal and Future Financial Aid Eligibility

Please refer to the Satisfactory Academic Progress section of this Bulletin to determine how financial aid is impacted.

Additional Loan Information to Consider When Withdrawing

Students are entitled to a 6 month grace period prior to repayment of their Federal loan(s).  If a student is less than half-time for 6 months their loans will go into repayment status with their federal loan servicer.  The grace period begins the day a student drops below half time.  A student’s lack of graduation does not equate to in-school deferment.

Students must complete Exit Loan Counseling at www.studentloans.gov and contact their loan servicer to make payment arrangements, or ask any questions pertaining to the grace period or repayment status.

State Grants and/or Scholarships. Michigan refunds are calculated using the following two-step formula:

1. Amount of aid for ÷ Tuition and fees = Percentage enrollment period for same period
2. Percentage x Tuition and fee = Amount returned adjustment to aid fund

Michigan Residents are defined as dependent students whose parents have resided in Michigan since June of the year before the enrollment year or as independent students who have resided in Michigan since June of the year before the enrollment year.

Pennsylvania, Vermont, Rhode Island, and other States. Determine grant eligibility following each State’s applicable guidelines.

Washington State Residents seeking information and resources about student loan repayment or seeking to submit a complaint relating to your student loans or student loan servicer, please visit www.wsac.wa.gov/loan-advocacy or contact the Student Loan Advocate at loanadvocate@wsac.wa.gov.

External Grants and/or Scholarships. Aid is returned to donor organizations according to each organization’s own guidelines. Non-Title IV funds include:

• State Grant/Scholarship
• External Scholarships/Grants
• Educational Allowance/Discounts

Federal Perkins Loan Program

Students who are no longer enrolled, have not paid on a Federal Perkins Loan obtained at Andrews University and request their academic transcripts must contact the Perkins Loan Collection Office for more information. This office is part of Student Financial Services on campus and can be contacted by calling 269-471-6271.

Work Study Program

Students employed under the Federal Work Study (FWS) program receive their entire paycheck. Earnings are paid both by Andrews University and the Federal government. Students must do everything necessary to reach the work earnings that are estimated in their award. Otherwise they must be prepared to pay the difference from personal or parental resources.

Federal Work Study (FWS). To be eligible for assistance under the Federal Work Study program, students must demonstrate financial need and have a minimum overall GPA of 2.00. This program parallels the student labor program of the university. Eligibility for this program is determined through the standard financial aid application process. Students working under the Federal Work Study Program must be U.S. citizens or eligible non-citizens.

Satisfactory Academic Progress (SAP)

SAP Policy for Undergraduate Students with Financial Aid

UNDERGRADUATE

Satisfactory Academic Progress (SAP)

According to the United States Department of Education, all schools are required to follow federal, state and institutional SAP policies when awarding financial aid. Students must make Satisfactory Academic Progress (SAP) toward the completion of their associate, baccalaureate, or graduate degrees to qualify for financial aid. Second-degree seeking students are evaluated under the same policy. The Office of Student Financial Services will monitor your academic progress at the end of each semester (including summer term) for all enrolled students regardless of whether or not financial aid was received that semester.

It is the student’s responsibility to read, understand, and adhere to the SAP policy in order to remain eligible for financial aid. Failure to comply with this policy can result in the student’s financial aid eligibility being terminated at Andrews University.

To maintain eligibility for Federal Title IV and/or institutional financial aid assistance, students must meet the following minimum standards:

Qualitative Measure: Financial Aid Minimum Grade Point Average (GPA)

To make satisfactory academic progress, undergraduate students must maintain an overall GPA of 2.0 (average grade of C). 

Transfer credit grades are not counted, a student progress in the qualitative measure is solely Andrews University credit grades.

Repeat credits: students may repeat a course in which they receive an unsatisfactory grade. In the case of undergraduate students only, the course with the higher grade is used to calculate the GPA.

Changes in GPA due to completion of “incomplete” or “deferred” grades or changes made for any other reason are considered when aid eligibility is reviewed at the next regular monitoring time.

A change in major from one school to another (ex. Business to Arts & Sciences) may on a case by case basis lead to an additional term of aid, or “reset” of counting SAP terms.  The projected grades required and time frame needed to raise a GPA to standard will be taken into consideration.

Quantitative Measure: (A) Pace of Program and (B) Maximum Time Frame (C) Transfer Maximum Timeframe

A. Students must complete at least two-thirds of the number of credits attempted with a passing grade regardless of enrollment status (full-time or half-time), and maintain a 66.67% completion ratio. The Office of Student Financial Services confirms that the student has met this requirement prior to the beginning of the student’s new enrollment period.

Credit grades of A, B, C, D and S are considered hours attempted and completed. Withdrawals (W), audit (AU), incomplete (I), failing (F or U) credits are counted as hours attempted only.

Transfer credits will not be included in calculating the two-thirds completion rate.

Repeat credits are counted only once as part of the total credits attempted.

Changes due to completion of “incomplete” or “deferred” grades or changes made for any other reason are considered when aid eligibility is reviewed at the next regular monitoring time.

B. Student may not exceed 150% of the required credits to graduate with their declared degree program regardless of whether or not financial aid was received during previous semesters. Students are advised to work with their academic advisor to “stay on target” to complete educational goals.

C. Academic progress from other institutions will be included in maximum timeframe. All attempted credit hours from Andrews University (AU) and/or any other institution of attendance will count towards attempted credit hours with regard to maximum timeframe. Students who have attempted 150 percent of the allowed number of credit hours for any degree will be ineligible to receive financial aid at AU.

Rules for Remedial or Developmental Coursework. An otherwise eligible student may receive financial aid for a maximum of 30 attempted credit hours in developmental/remedial course work. Once the 30 credit hours maximum are reached, additional developmental credit hours will not be used to calculate the award amount. Developmental hours are not included in the GPA calculation, but they are included in the qualitative assessment of SAP. They are not included in the quantitative calculation (completion rate), nor the calculation of maximum timeframe. They do not apply towards the degree program.

Categories of Continuing Financial Aid Eligibility

At the beginning of each semester, students are placed into one of the following categories on the basis of the previous year’s academic performance:

Satisfactory Progress. Students who meet all regulations outlined in the Satisfactory Academic Progress policy and new students beginning their academic work at Andrews University qualify as making SAP.

Financial Aid Warning. Students who fail to meet all regulations outlined in the SAP policy receive a Financial Aid Warning for one semester. During the Financial Aid Warning semester, students are eligible to receive financial aid as awarded. The student is allowed only one Financial Aid Warning semester for each degree program, except under extenuating circumstances. Academic performance during this semester determines whether financial aid is given in future semesters. If the student again meets the minimum required standards, the student is returned to satisfactory progress status and is eligible to continue receiving aid as awarded. Students who fail to attain SAP after the Financial Aid Warning semester are no longer eligible for financial aid. Students placed on Financial Aid Warning are encouraged to contact their academic department for assistance in planning for academic success.

If students fail to meet the SAP requirements they are welcome to register for classes with the approval of their dean/academic advisor at their own expense until they meet SAP policy standards.

Financial Aid Appeal Procedure. Students who fail to maintain SAP and who lose current semester financial aid due to special or extenuating circumstances may appeal such an action in writing. All appeals must be completed using the SAP Appeal form available at the Office of Student Financial Services website under Forms (https://www.andrews.edu/documents/financial/sf/aid/sap-appeal-form.pdf), and must be submitted before the first day of class for the next term that you plan to attend. All undergraduate students who fail to maintain SAP must contact the office of Student Success to complete an Academic Plan that must be provided together with the SAP Appeal form. All appeal documents must be attached to the SAP form. Allow up to ten business days from submission of the form and all documentation to process your appeal. Students should recognize that submission of an appeal does not guarantee reinstatement of financial aid eligibility and approval is not “automatically” granted. Students will be notified regarding either a determination or next steps via their Andrews University email address or another means of communication. Decisions are final.

Financial Aid Probation. When failure is due to extenuating circumstances or circumstances beyond the reasonable control of the student, he/she may appeal for a semester of financial aid probation. Proof must support the stated extenuating circumstances in the event of the death of a relative, a medical emergency or illness of the student, legal dependent or spouse, military activation or deployment, employer required changes on work schedule, disaster, or any other special circumstances. Reasons such as being unprepared for college course work, the course was not what was expected, not liking the instructor and other related excuses are NOT qualifying circumstances for an appeal and will result in an appeal being denied. Students are responsible for monitoring their own progress status. Our office makes every attempt to notify students of their status. However, failure to receive notice does not affect the calculated status and is not reason to appeal. Please ensure that home and email addresses are updated with Admissions and Records Department.

If an appeal is approved, a student will be placed on Financial Aid Probation for one semester. Future financial aid is dependent on meeting SAP standards by the end of the probationary semester.

If the appeal is denied, a student is no longer eligible for financial aid. Student is welcome to register for classes with the approval of their dean/academic advisor at their own expense until they meet SAP policy standards.

Break in Enrollment. When a student has a break in enrollment and is readmitted, the SAP status for prior terms will apply. For example, if a student is placed on financial aid suspension at the end of the spring term, does not return in the fall term, and is readmitted the next spring term, the student will continue in a financial aid suspension status for that term.

Please Note: The financial aid SAP standards are not the same as Andrews University’s general academic requirements. Students should contact an academic counselor to determine those separate requirements for maintaining their academic enrollment.

Adventist Colleges Abroad (ACA)

Eligibility Criteria. Students planning to attend an institution affiliated with Adventist Colleges Abroad (ACA) may be eligible to obtain Federal and State financial aid under the following conditions:

1. The student registers and has to be financially approved at the Andrews University Berrien Springs campus before attending Adventist Colleges Abroad (ACA).
2. The student must meet Andrews University’s Satisfactory Academic Progress policy.
3. Aid-eligible students may receive Federal and/or State financial aid only as long as it takes to complete 25% or less of their total degree program (usually the equivalent of two academic semesters).
4. However, students are not eligible for:
   • Federal campus-based aid (Federal Work Study,     Federal Supplemental Educational Opportunity Grant)
   • Andrews University scholarships and grants while attending an ACA campus.

Application Procedures. Students should follow the procedure outlined below to apply for financial aid for enrollment at an ACA college:

1. Complete the Free Application for Federal Student Aid (FAFSA) form online at www.fafsa.ed.gov indicating Andrews University as the first college of choice. Federal School code is 002238 for Andrews University.
2. Complete your financial aid award, you will need to submit the AU Financial Information Sheet and other documents if selected for verification. If you did not or could not use the IRS Data Retrieval Tool on the FAFSA, we will need an IRS Tax Return Transcript. You can request one at www.irs.gov/individuals/get-transcript.

All students planning to attend an ACA college must meet the University’s financial aid deadlines. Students who miss the deadline may experience difficulty in having aid posted to their account when they need it. Students are advised to complete the entire financial aid process before leaving the U.S.

Application Process—ACA Affiliated Colleges. A student planning to enroll at an ACA college should submit an ACA application form to Andrews University Enrollment Services.

A student is accepted only when all the necessary financial aid documents are received and Student Financial Services can process an aid application. The student is informed if he/she is eligible for aid.

When the verification process is complete, Student Financial Services credits the student’s aid award(s) directly to his/her student account at Andrews University. A student applying for the Federal Direct Loan must sign a master promissory note and do loan counseling if these have not been done here at Andrews University before leaving for the ACA school. When a loan is approved, funds are credited directly to the student’s account at Andrews University.

Student Missionary and Taskforce Worker Academic Credit/Loan Deferral Program

To enable students to participate in the Student Missionary and Taskforce volunteer service programs, especially students who have borrowed funds under the William D. Ford Federal Direct Loan or Federal Perkins Loan, Andrews University has a special academic loan deferral program for U.S.-citizen and permanentresident undergraduate students. This program allows student borrowers to remain in loan-deferment status (student loan repayment is postponed) while keeping student status with either
a non-credit continuation course or independent study courses arranged before leaving Andrews. The following guidelines apply:

While away, students may choose either Continuation or Independent Study.

1. Continuation Study
   1. All Andrews Student Missionary or Taskforce workers must register (before leaving for service) for IDSC296 or IDSC596 Student Missionary/Taskforce Experience for each semester they plan to be away. Students are charged a semester recording fee of $84. Students that have not completed any Andrews credits must pay the recording fee up front. (AU students are students that have applied, been accepted and have an AU ID number.)
   2. Students receive a non-credit continuation entry on their grade for each semester.
   3. During this time financial aid is not available. 
2. Independent Study, TESOL Certificate, and Preparation for Mission Courses
   1. Students that have completed one term at Andrews are eligible to register for 6 undergraduate credits each semester (a total of 12 credits) at the reduced tuition rate of $55 per credit. Student missionaries are eligible to register for up to 8 credits of mission preparation courses during the summer prior to departure. These courses include: TESOL Certificate Program ENGL435 Topics in Linguisitics: TESOL Certificate, ENGL460, ENGL465 and RELP325 Preparation for Mission Service.
   2. In consultation with the appropriate academic dean, students must develop an individualized list of courses for which they register that will apply toward general education requirements, majors, minors, emphases, or electives as approved by the dean.
   3. For each course in which they are registered, students work with a teacher before leaving to identify the course requirements. They must remain in regular contact with the teacher during the time spent off-campus.
   4. Students will receive a deferred grade (DG) for each course. Upon their return from service, students must contact the course teacher and complete all requirements within one semester after the date of return from service. (A suggested list of alternative courses is available from the dean’s office.)

Both categories of students must complete registration for both semesters before leaving the Andrews University campus for Student Missionary or Taskforce services. Financial Aid is not available for students enrolled in this program. A detailed procedure sheet for these programs may be secured from the Office of Campus Ministries.

3. Non-Andrews students do not register for any classes and work directly with Campus Ministries when requesting deferred payment on student loans.

Loan Deferment Regulations. According to U.S. Department of Education rules governing the Federal Direct Loan Program, students who no longer are enrolled on at least a half-time basis must make their first student-loan payment six months from the last date of enrollment. The time limit for Federal Perkins Loan holders is nine months.

The Student Missionary/Taskforce Experience course is designed so students who are registered will not lose their grace period and will not have to begin repayment of their student loan.

Students Ineligible for Program Benefits. The following students would not need to enroll for Student Missionary Experience classes because they do not need the credits to ensure that their loans remain in deferment:

• Students currently choosing to make loan payments
• Students already in a loan deferment
• Students who have a Canadian Student Loan

Gift Assistance

Honors Audit Program. Honor students may audit a class each semester if they are enrolled for at least 12 regular credits. Honors audit credits are not taken into account when determining a student’s academic progress. Also, honors audit credits do not count for determination of enrollment status for financial aid purposes. The student must complete an Honors Audit form during regular registration. For more information, consult with the Honors office.

Bureau of Indian Affairs. Grants are offered to students who are enrolled members of a federally recognized American Indian tribe and demonstrate financial need. Visit www.bia.gov and click “How do I….” to select your regional contact office.

Veterans’ Education Benefits & Services. The University is approved for certification of students eligible to receive educational assistance from the Department of Veterans Affairs (DVA). Eligibility for VA educational assistance is determined by the Department of Veterans Affairs. Our regional office is located in New Buffalo, NY. University services for students who receive educational assistance through the DVA are located in the Administration Building, first floor, in the Office of Student Financial Services. Information concerning VA educational assistance may be obtained by phone 269-471-3286, e-mail veterans@andrews.edu, or a visit to the Office of Veterans Services. VA forms used for making application for educational assistance are available at the GI Bill webpage: www.benefits.va.gov/gibill. A printed copy of an application submitted online to the VA will be required by the University’s Office of Veterans Services.

It is the responsibility of the student to complete a Veterans Registration form every term to continue receiving G.I. Bill money. The form is available in the Office of Veterans Services. Each term the required Certification of Enrollment (VA Form 22-1999) will be electronically submitted by the University’s Veterans Certifying Official to the VA Regional Processing Office after the last day to add or drop a course. An earlier date for certification may be requested if the veteran feels certain his schedule will not be changed. The Veterans Office will reverse any carrying charges or late fees associated with delay of payments from VA. 

Students receiving benefits are expected to attend all classes and to progress satisfactorily toward their objective. Any change of degree program, change with class registration, or withdrawal from school must be reported immediately to the VCO in the Office of Veterans Services. Failure to comply with VA regulations may result in loss of benefits and/or legal action on the part of the U.S. Department of Veterans Affairs. If the student does not make satisfactory academic progress and is academically dismissed from the University, the U.S. Department of Veterans Affairs is notified and all veterans’ benefits are ended by the USDVA. If a veteran is academically dismissed from the University but is later readmitted, the VA benefits cannot be resumed until the veteran has met the University requirements for reinstatement.

Veteran Readiness and Employment (VR&E). The University is approved for enrollment certification of veterans with service-connected disabilities who are eligible to receive Chapter 31, Title 38, U.S.C.. educational assistance from the U.S. Department of Veterans Affairs. University services for veterans are coordinated through the Veterans Certifying Official in the Office of Veterans Services which is located in the Administration Building, first floor, in the Office of Student Financial Services. Information concerning educational assistance and campus procedures may be obtained by phone 269-471-3286, e-mail veterans@andrews.edu, website www.andrews.edu/sf or by visiting the Office of Veterans Services.

The veteran should make contact with the Veteran Readiness and Employment (VR&E) Office (28), Detroit Regional Office at 313-471-3800.  Veterans use VA Form 28-1900 to apply for the Chapter 31 benefit. The form is available online at www.benefits.va.gov/vocrehab. Information and instructions are included on the reverse side of the application form. Following receipt of the application in the regional office, VA will make a determination of eligibility. If the veteran is eligible, VA will schedule an appointment with a Counseling Psychologist (CP) or Rehabilitation Counselor (RC) for an initial evaluation to establish the veteran’s entitlement to Veteran Readiness and Employment (VR&E). Contractors may be utilized to assist in working with the veteran to gather information needed for the CP or RC to make an entitlement determination. The VR&E case manager will provide VA Form 28-1905 Authorization and Certification of Entrance or Reentrance into Rehabilitation and Certification of Status. This form is required for certification of enrollment which will be submitted to the VRE by the University Veterans Program Administrator in the Office of Veterans Services.

If the veteran requires academic accommodations due to a disability, he/she should contact the Student Success Center in Nethery Hall to coordinate the University’s accommodations with those provided by the Veteran Readiness and Employment (VR&E). Student Success can be contacted at 100 Nethery Hall, success@andrews.edu or 269-471-6096.

It is the responsibility of the student to visit the University’s Office of Veterans Services at the beginning of each term for which the student desires to receive VR&E educational assistance. All required paperwork must be completed before the Certification of Enrollment (VA Form 28-1905) will be submitted to the Vocational Rehabilitation & Employment Regional Office. Certification will be submitted after the last day to add or drop a course each term. An earlier date for certification may be requested if the veteran feels certain his schedule will not be changed. The Veterans Office will reverse any carrying charges or late fees associated with delay of payments from VA. 

A Purchase Request Form that includes VR&E purchasing guidelines is available in the campus bookstore. It is required for all purchases at the campus bookstore. Written approval must be obtained from the VRE case manager for certain purchases. Veterans should plan to make their purchases within thirty (30) days after the first day of classes each term. An invoice for tuition, academic fees, and books/supplies will be sent to the VR&E after that date. Payment will be made to the University and credited to the Veteran’s student statement.

Students receiving benefits are expected to attend all classes and to progress satisfactorily toward their objective. Any change of degree program, change with class registration, or withdrawal from school must be reported immediately to the VCO in the Office of Veterans Services. Failure to comply with VA regulations may result in loss of benefits and/or legal action on the part of the U.S. Department of Veterans Affairs.

Vocational Rehabilitation State/Federal Programs. Students who have permanent disabilities which may limit their employment (after completion of their study program) should contact the Vocational Rehabilitation Regional Office in their state of residence for possible assistance.  

If the student requires academic accommodations due to a disability, he/she should contact the Student Success Center in Nethery Hall to coordinate the University’s accommodations with those provided by the Vocational Rehabilitation Regional Office. Student Success can be contacted at 100 Nethery Hall, success@andrews.edu or 269-471-6096.

Tuition Discounts

Local Business Employee—33 Percent Tuition Discount. Full-time employees of companies located in Berrien County and the South Bend/Mishawaka area may receive a 33% reduction of tuition for undergraduate courses. Application for the tuition reduction can be obtained at the dean’s office and must be completed no later than the first two weeks of each semester. Students eligible for the reduction are not eligible to receive APS or any other Andrews discretionary funds. This discount does not apply to courses taken in the Center for Intensive English or online classes.

Prior Baccalaureate Degree—33 Percent Tuition Discount. Students who have earned a baccalaureate degree may receive a 33% tuition reduction for courses taken for a second baccalaureate degree. This discount applies only to courses required to complete the 2nd degree. Courses included in the package tuition, but are not required for the 2nd degree, will be billed at full tuition. This discount does not apply to courses taken in the Center for Intensive English or online classes.

Application forms are available at the offices of the respective deans. The completed forms must be filed with the respective dean no later than two weeks after the beginning of each semester for which the 33% tuition reduction is requested. An official transcript showing all class work and the awarding of a bachelor’s degree must be on file with the Office of Academic Records of the university before the 33% tuition reduction can be applied. Students eligible for the reduction must be enrolled for a second undergraduate degree and are not eligible to receive any other Andrews discretionary funds. Students enrolled in a graduate program but who must complete undergraduate prerequisites are eligible. Note: Forms are to be picked up at the dean’s office of your appropriate school.

Limitations to the Prior Baccalaureate Degree Tuition Discount. The following limitations apply to this plan:

1. No course taken under this plan may receive graduate credit or apply to a graduate degree.
2. In the College of Health & Human Services, this discount does not apply to PTH courses. The plan only applies to students accepted and enrolled for prerequisite requirements under the preferred acceptance guidelines.
3. This tuition reduction does not apply towards architecture degree.
4. In the College of Education & International Services, the student must be enrolled in a second baccalaureate degree; however, this plan is not available until one calendar year after graduation and is limited to 16 credits each semester.
5. In the College of Professions, the plan does not apply to independent study/readings/research or internship credits. Also, it does not apply to any course not offered as a regularly scheduled class in a given semester.
6. The plan applies to tuition only, not for housing, food and similar charges.
7. The discount does not apply to laboratory fees, surcharges for applicable courses, private music or flight lessons, independent study or reading courses, student teaching, courses in the Center for Intensive English, international languages taught as prerequisites for advanced degrees, courses taken off campus, study tours, May Express classes or private tutoring GNST 091.
8. This plan is applicable to classes where space is available and where hiring of additional faculty or staff is not required. In the event a class is not available, notification is given as soon as possible after the end of the drop/add period.

Local Area Educators—33 Percent Tuition Discount. Full-time teachers employed in Michigan and Indiana area schools who are not fully credentialed may receive a 33% reduction of tuition for undergraduate, Master of Arts in Teaching, and Master of Arts in Educational Administration courses taken toward the completion of their teacher certification requirements. Application for the tuition reduction can be obtained in the dean’s office and must be completed no later than the first two weeks of each semester. The student must provide proof of area school employment. Students eligible for this reduction are not eligible to receive APS or any other Andrews discounts or any other discretionary funds applied to the program receiving the 33% reduced tuition. This discount does not apply to courses taken in the Center for Intensive English or online classes.

Workers from Overseas Divisions—Tuition Discount. “When any division other than the North American Division sends its workers or their dependent children to attend colleges in the North American Division and makes financial payments from denominational funds on behalf of such students directly to the college concerned, the college will match dollar for dollar with the sending division, up to 25% of undergraduate tuition. If the person also receives a Federal or State scholarship (or grant), the school may reduce this discount in direct proportion to the amount of such scholarship. Such remittance must come through the division and on approval of the division committee” (North American Division Working Policy, F 80 15).

Retiree Tuition Discount. A retired person who has reached age 65 may receive a 50% tuition discount for up to three undergraduate or graduate credits annually.

Former Andrews University employees who have retired may receive a 50% tuition discount. Admission to limited enrollment courses is contingent upon space available in the class, with preference being given to students paying regular tuition rates. Any additional class fees and/or supply fees are the responsibility of the student.

This discount applies to credit, audit, or non-credit classes. This discount does not apply to independent study, directed reading, private music lessons, practicums, clinical experiences, or any instruction outside of the normal classroom setting. Application for this 50% discount should be made to the dean of the school involved. The dean then authorizes the appropriate discount.

Students eligible for this reduction are not eligible to receive APS or any other Andrews discounts or discretionary funds.