Dec 06, 2021  
Graduate Academic Catalog 2016 - 2017 
    
Graduate Academic Catalog 2016 - 2017 [ARCHIVED CATALOG]

Costs and Financial Aid



The Student Financial Services Office is devoted to efficiently servicing the financial needs of the students at Fresno Pacific University. The staff members are caring, accomplished professionals dedicated to providing excellent service. The Student Financial Services Office offers resources that will guide students through the processes of financing an education, applying for financial aid and maintaining their student account, equipping them with helpful resources and encouraging Christian stewardship. The schedule of basic tuition charges, fees and financial policies for the university is given below, as well as important deadlines, scholarship qualifications and other detailed information about various financial aid programs. The tuition charges reflect only a portion of the actual cost of the student’s education; the remainder is subsidized by contributions from churches, alumni and other friends of the university. The university reserves the right at any time to change its student charges and policies as deemed necessary by the board of trustees.

Student Accounts

Graduate Programs

Tuition Cost Per Units
Graduate (700 level) $560
MBA $830
MSN/LEAD $600
Audit (700 level) $230
Continuous Registration for project/thesis 1 unit/semester
Participation (700 level, by approval only) $345
Teacher Education (600 level) $560
Units brought in from district BTSA induction experience (up to 8 units) $113

Seminary Programs

Tuition Cost Per Units
Master of divinity courses $440
Master of arts course, except MFT $440
Marriage and family therapy courses $490
Cross Cultural Encounter, normal registration or audit $460
Cross Cultural Counseling, normal registration or audit $490
Audit $103
Lectureships $100

Tuition Discounts

Type Of Student Discount
Full-time FPU seminary student Course audits are free except cross cultural encounter/counseling
Spouse of a full-time seminary student if not receiving tuition discounts Course audits are free except cross cultural encounter/counseling
FPU seminary graduates and FPU seminary seniors 50% Lectureship discount
FPU seminary graduates One free audit course per semester, (max. 2/year)
Adult age 62 and over One free audit course per semester, (max. 2/year)

Seminary Fees

Fee Cost
Admissions Application $90
Student Services Fee $95
Task Stream Fee $40
Incomplete Grade $75
Residency Fee (MAMLC Students Only) $1,250
MIN-750D and COUN-750D San Francisco courses $250
Nonrefundable

Room and Board

Married/family/non-traditional housing is available to graduate/seminary students. Those who would like to purchase a meal plan can do so by signing up through the Student Life Office.

Housing Deposit $200

Housing deposit $200

 

Room Plans Cost Per Semester
Married/family/non-traditional housing
One tenant $4,144
Two tenants $2,072
Three tenants $1,382

 

Seminary Housing
One tenant $2,868
Two tenants $1,334
Three tenants $956

University Service Fees

Degree application for graduation $65
Enrichment fee $50
Transcripts (per copy, regular service) $13
Late payment $50
Returned check $25
Special course material fees $10-$100
Credential processing fee $30
Credential review fee $495
Challenge fee $875
Parking permit, per year $50

Parking Permits

To obtain a parking permit for the main campus, vehicles must be registered with the Campus Safety & Security Office. Permits and vehicle registration forms are available at the Cashier’s Window. Permits cannot be charged to a student’s account; permits must be paid in full at the time of purchase.

Payment Of Account

Means of Payment

  1. Financial Aid

A student may apply for financial aid (i.e. grants, scholarships and loans) through the Student Financial Services Office. See the Financial Aid section below.

  1. Outside Assistance

Students who participate in outside assistance programs (i.e., California Department of Rehabilitation, Department of Veterans Affairs, employer reimbursement programs, etc.) should contact the Student Financial Services Office as soon as possible to ensure that the student’s account is correct and up-to-date.

  1. Personal Funds

Costs not covered by financial aid and/or outside assistance are the responsibility of the student. Fresno Pacific University expenses may be paid in installments throughout the course of the semester. See the Payment Plan section below. Students needing additional assistance may use educational, alternative and personal loans to cover any remaining balance.

Payment Options

Pay in Full

Students may pay the semester balance in full. Payment is due by the end of the first week of each semester to avoid being administratively enrolled in a payment plan.

Monthly Payment Plans

Monthly payments will reflect the total balance remaining after subtracting out any pending gift aid and approved loans. Because the account balance can change from month to month, it is the student’s responsibility to check the account online on a regular basis through CampusCruiser online payment center. Contact Student Financial Services at (559) 453-2041 regarding questions on the account.

Students who have a balance remaining for the current term and have not developed a payment plan by the designated deadlines will be administratively enrolled in a payment plan for the duration of the semester. Students are expected to make their monthly payments as detailed on their payment plan and are responsible for any late fees that may be assessed due to non-payment. Balances must be paid in full prior to the end of each semester to avoid de-registration from future semesters.

Students and authorized users will receive monthly statements to their Fresno Pacific email addresses, reflecting the current balance and any payments due.

The payment plan is a legal agreement between the university and the student (or the parent if the student is under 18 years of age).

Please note that if the balance is not paid in full by the last payment due date, any preregistered classes for the next semester will be dropped.

The balance is paid in four monthly installments or over any months remaining at the time of enrollment during the semester, due on the 15th of each month, September through December (fall) and February through May (spring). As well as June, July and August for summer.

Balances are based on actual amounts and may vary as charges or credits are applied.

Additional Requirements

  • The student’s account must remain in good standing.
  • Payments must be made in full, due on the 15th of each scheduled month and a late payment fee will be assessed when payment is received after the 17th . Late fees are charged for late, missed or partial payments.
  • All financial aid paperwork must be submitted prior to the first payment installment due date to avoid a late fee.
  • Students will not be allowed to register or make course changes for future semesters until the previous semester balance has been paid in full.
  • Monthly payments will automatically be recalculated to reflect the inclusion of any additional charges (library fines, additional units, etc).

How to Set Up a Payment Plan

You can set up your payment plan by:

  • Enroll online at fresno.edu/paymentplan or through CampusCruiser online payment center. The site is easy to navigate and accessible anytime.
  • Contacting the Student Financial Services Office during regular office hours. They will be happy to assist you with the payment plan enrollment process.

Method of Payment

Payment must be made in U.S. funds and may be made by cash, check and all major credit cards. Payments can be made online through the Online Payment Center via CampusCruiser/ service/ online payment center. Payments can also be mailed to the main campus in Fresno, paid at the Cashier’s Window or paid over the telephone using a credit or debit card (with a Visa or MasterCard symbol). The university does not recommend mailing cash payments.

When mailing payments, please address to:
Fresno Pacific University
1717 S. Chestnut Ave., Box 2004
Fresno, CA 93702
Cashier Phone: 559-453-5586

Financial Obligations

Students are responsible for their student account at FPU. Students are expected to make timely payments and follow the guidelines stated above. Students with delinquent accounts are subject to the following consequences:

  1. If the semester balance is not paid in full by the last Friday of the semester or the student has not made appropriate payment arrangements with the student account manager, the student will be de-registered from the next semester courses. Once the balance has been paid in full, the student may re-register for courses, but will be subject to course availability and applicable processing fees (i.e.: late registration fee).
  2. A hold will be placed on the account prohibiting:
  1. Registration for future courses.
  2. Participation in commencement ceremonies.
  3. Release of transcripts.
  4. Receipt of diploma.
  1. The loss of institutional financial aid. Financial aid for the next semester will not be credited to the student’s account until previous balances are paid in full.
  2. Late fees will be assessed for late, missed or partial payments.
  3. Assumption of collection costs/fees as well as the principal balance if the account is sent to a collection agency.

Please note:

  1. Class schedules will not be reinstated; students will need to re-enroll in courses available at the time the hold is released.
  2. Administratively withdrawn students are subject to the processes required to re-register.
  3. Students without a payment plan and a balance due are subject to the same conditions and consequences of students with a payment plan.
  4. Delinquent accounts are subject to all financial and academic consequences as described in the Payment Options, Nonpayment of Account and Financial Aid sections of this catalog.
  5. Students who retake a course will be responsible for paying for the course again.

Refund Policy

Tuition refunds are granted for authorized course drops only and based upon the last date of attendance. Students are responsible for following the appropriate drop procedures. For the refund schedule, see Course Drops in the Academic Policies section of the catalog. For all new students the university complies with the refund policy in Section 484B of Public Law 102-325.

Dismissal/Suspension

A student who is dismissed or suspended from the university is not eligible for refunds.

Refund of Overpayment on Student Account

If a student’s account is overpaid in any semester and a credit balance currently exists on the account, the student will receive a Financial Aid Credit Disbursement (FACD). The funds may be kept in the student’s account to be applied to other expected expenses upon request by the student.

If the student’s account was partially or fully paid by a third party (i.e., employer assistance or private scholarship), the refund to the student will not exceed the amount paid by the student. Any credit balance over the amount that the student paid will be refunded to the third party.

Return Check Policy

A $25 fee is applied to a student’s account if a student’s payment is returned for any reason. Anyone with two returned checks on file may have check-writing privileges suspended. FPU reserves the right to decline personal checks from people who have written three or more NSF checks. For non-payment or balances on an account, including NSF fees, FPU reserves the right to place a hold on student records.

Appeals and Petitions

Appeals of student account policies may be made by filing an official petition with the Student Financial Services Office. This petition will be reviewed by the Student Accounts Appeals Committee. All petitions that have financial bearing will be reviewed by this committee. Students will be notified in writing once a decision has been made.

Financial Aid

General Information

Over 98 percent of Fresno Pacific University students receive financial aid. Last year alone FPU students were awarded over $48 million, including more than $12 million in institutional grants and scholarships, to help achieve their goals. All students are encouraged to apply for assistance. Financial aid is awarded without discrimination as to race, color, nationality, handicap or sex, in compliance with all applicable federal regulations.

Fresno Pacific University offers three basic types of financial aid:

  • Scholarships and grants, which do not have to be repaid
  • Loans, which must be repaid
  • Employment, which must be earned

Most grants, loans and employment opportunities are awarded on the basis of a combination of scholastic or other achievement and demonstrated financial need. A limited number of scholarships are awarded on the basis of merit only.

Application Process

  1. All financial aid applicants must be accepted for admission to a graduate degree program, or non-degree program approved to receive Title IV financial aid assistance, at Fresno Pacific University as a precondition for financial aid eligibility.
  2. Students who are U.S. citizens or U.S. permanent residents are encouraged to complete a Free Application for Federal Student Aid (FAFSA) online at www.fafsa.gov. The FAFSA provides the information needed to determine a student’s financial need. Need is determined by calculating the difference between a student’s cost of attendance and the expected family contribution. You can find more information at our website fresno.edu/finaid. The FPU school code is 001253.

NOTE: If a student chooses not to complete the FAFSA, they must contact the Student Financial Services Office to indicate they do not wish to do so. By waiving the FAFSA the student will not be eligible for any federal or state aid, including federal student loans. For students who waive the FAFSA or refuse any offered state and federal aid, FPU institutional aid may be reduced or denied.

  1. A student may be selected by the U.S. Department of Education to verify their FAFSA information. A verification form and copies of federal tax transcripts, as well as other documentation, may be required to be submitted to the Student Financial Services Office. Upon submission of the FAFSA, the FAFSA confirmation page and the FAFSA Student Aid Report, will first tell students if they are selected for verification. If requested documents are not submitted, federal and state funds cannot be released to the student.

Deadlines

Graduate students have priority deadlines for each term: July 15 for the fall, November 15 for the spring and March 15 for the summer. Required documentation not submitted by these dates may result in a denial of awarded aid. Students may still apply for aid or submit documentation, however, once denied, aid may be re-awarded dependent upon availability of funding.

Free Application for Federal Student Aid (FAFSA)

A new FAFSA form must be filed for each academic year a student attends FPU. The information contained in the FAFSA and other required documentation is confidential. Access to this information is governed by the terms of the Family Educational Rights and Privacy Act (FERPA) of 1974. The FAFSA can be completed at fafsa.ed.gov.

Selective Service Requirement

Federal regulation requires all male students from the ages of 18 to 25 to register for Selective Service as a condition for financial aid eligibility. If students have not registered for Selective Service, or are unwilling to provide documentation to verify compliance, these students are not eligible to receive financial aid from federally funded programs. If a student feels that they should be exempt from registration they must contact the Selective Service directly. Contact information can be found at sss.gov. Additional paperwork may be required if a student is over the age of 25 and was never registered with Selective Service, even though they could have been.

Award Processing

Students will receive a financial aid offer letter after application requirements have been completed. The offer letter will list the type and amount of assistance for which the student is eligible. The offer letter is an estimate of funding and is contingent upon final notification from funding sources and verification of the information reported on the FAFSA.

AVERAGE PROCESSING TIMELINE Weeks
FAFSA processing 1-2
Award determination and notification 1-3
Loan processing 1-4

Applicants need to allow the Student Financial Services Office sufficient time to properly process financial aid for each student. The student may shorten the processing time by responding to all correspondence and submitting requested documents as quickly as possible. The goal is to have all financial aid work completed prior to registration. The Student Financial Services Office is happy to help throughout the financial aid process, but it is the student’s responsibility to submit requested paperwork promptly in order to have financial aid arrive in a timely manner.

Coordination of Aid

It is the responsibility of the Student Financial Services Office to coordinate all aid resources awarded to each student. When need-based funds are a component of the student’s financial aid award package, care must be taken to insure that total aid awarded does not exceed each student’s need. When total aid exceeds need, an over-award exists. In these situations the aid package will be reviewed and appropriate reductions will be made to eliminate the over-award. Care is always taken to retain as much of the original aid package as possible.

Change in Enrollment

When students drop all or some of their classes, the Student Financial Services Office coordinates a recalculation of the financial aid a student has received from federal and state governments, outside sources and institutional aid. Students are required to contact the Student Financial Services Office to inform staff of unit changes and to see how it affects their financial aid package, which may affect their balance and payment plan at FPU.

Satisfactory Academic Progress

Background

Fresno Pacific University is required by federal law to establish specific standards for measuring Satisfactory Academic Progress (SAP). As part of the university standards for continued enrollment (see above), a student must meet the requirements of the SAP policy below to be eligible to receive federal, state and need-based institutional financial aid assistance. Scholarships and other awards may require students to meet higher standards. Veterans Affairs students have additional requirements.

SAP will be reviewed at the end of each semester for all active students, based on the criteria outlined below. It is the student’s responsibility to monitor his or her academic progress through CampusCruiser and to be aware of the requirements of his or her program and SAP standards.

Overview of SAP Standards

FPU students are expected to make reasonable and timely academic progress toward their declared program objective (degree, credential or certificate) each semester. Reasonable progress is measured by the following standards:

Standard 1: The GPA Standard

Meet the minimum FPU cumulative grade point average required for their program.

Standard 2: The Pace Standard

Satisfactorily complete at least 67 percent of cumulative credit hours attempted.

Standard 3: The Maximum Time Frame Standard

Complete a degree/certificate program within the maximum time frame based on total units attempted compared to the units required in the program.

Details of how each standard is measured are found below. However, it is important to understand that a student’s entire academic history must be considered in these standards regardless of whether or not the student received financial aid for that coursework. Eligibility to enroll for classes does not necessarily mean that Satisfactory Academic Progress standards for the receipt of financial aid have been met.

Standard 1: The GPA Standard

Standard 1 is a qualitative measure of progress as measured by the student’s cumulative FPU grade point average (GPA). FPU academic policies determine how the GPA is calculated, including which grades count in the GPA calculation and the effect of course repeats on GPA. Each student can see his/her current FPU cumulative GPA on the unofficial transcript in CampusCruiser. To meet Standard 1, students must meet the minimum cumulative FPU GPA requirement each semester as listed in the chart:

Academic Level Minimum CUM FPU GPA
Graduate 3.0
Seminary 2.5

Standard 2: The Pace Standard

Standard 2 is a quantitative measure which attempts to calculate the pace at which a student is progressing toward program completion. Pace is measured by the cumulative percentage of courses attempted that are successfully completed for credit. There are two steps in performing this calculation.

Step 1

Not all credits posted to the student’s academic record are a good indication of the pace at which they are completing their program. As a result, the various types of post-baccalaureate credit are evaluated based on the following:

Types Of Courses And Credit That Are Included In This Calculation:

1. All FPU courses not exempted below
2. All transfer credits that have been officially accepted to complete program requirements
3. Repeated coursework

Types Of Courses And Credit That Are Not Included In This Calculation:

1. Audited coursework
2. Courses dropped with no attendance or last day of attendance in the first week.
3. In progress and incomplete courses

Step 2

Based on the courses that are included above, pace is then calculated by dividing the total number of credit hours successfully completed (passed with units earned) by the total number of credit hours actually attempted.

  • Total Hours Earned/Completed = all coursework where credit is earned with a grade of CR, A and B (including plusses and minuses). C also counts for some seminary courses.
  • Total Hours Attempted = total hours earned/completed plus all coursework with a grade of W, C, F, I, NR and NC.

To meet Standard 2, students must satisfactorily complete at least 67 percent of all cumulative credit hours attempted as calculated above.

Standard 3: The Maximum Time Frame Standard

Standard 3 includes two quantitative measures to determine if the student is actually completing the academic program within a reasonable amount of time and with a limited, reasonable number of units attempted.

Part A: The 150 Percent Rule

This rule quantifies the number of units attempted vs. the number of units completed successfully. Students may not continue to receive financial aid once they have exceeded this standard. It is important to emphasize that once the maximum time frame is exceeded the student is considered ineligible for further financial aid and must complete their program without the benefit of these financial assistance programs. There are two steps in performing this calculation.

Step 1

First, the maximum units allowed for the academic program must be determined. This is calculated by multiplying the minimum units required for the academic program by 150 percent to determine the maximum number of units a student can attempt and still receive financial aid. For example, students in a 40-unit master’s degree program may attempt up to 60 units. For students that are officially pursuing multiple goals, e.g., a financial aid eligible credential or certificate concurrently with a master’s program, the minimum units required of each program will be added together and then multiplied by 150 percent.

Step 2

The total number of units attempted by students in their post-baccalaureate academic career is calculated and compared to the maximum allowed in Step 1. As not all credit posted to the students’ academic record can count toward the degree program requirements, the following exclusions/adjustments are made:

  1. Transfer credits that have been officially accepted to complete program requirements will count.
  2. Units which apply solely to a program that was dropped will be excluded.

To meet Standard 3, students must have attempted less than 150 percent of units required for the academic program as calculated above.

How Satisfactory Academic Progress Is Monitored

Satisfactory academic progress is monitored at the end of each academic term (fall, spring and summer). Students who fully meet all three standards above are considered in good standing for SAP. Students who are not meeting the standards will be notified via FPU email of the results and the impact on their financial aid and academic eligibility.

Students who have exceeded the maximum time frame (Standard 3) are immediately ineligible to receive additional financial aid. Students may appeal this ineligible status (see Appeal Guidelines). In addition, students who have been academically disqualified are also not eligible to receive financial aid assistance until formally reinstated to the university.

Warning Status

Students who are not meeting Standard 1 (GPA) or Standard 2 (Pace) are first placed on financial aid warning if they were in good status the prior term. A student on warning status will continue to receive financial aid for one term despite a determination that the student is not making satisfactory academic progress.

At the end of the next enrolled term, students on warning must meet all three standards to be deemed eligible for continued assistance. Students who remedy their deficiency and are fully meeting the SAP standards will be considered in good standing for SAP again.

Disqualified Status

Students who are on warning status at the end of the term and who do not remedy their deficiency at the end of the term are disqualified. Students may appeal his/her financial disqualified status (see Appeal Guidelines).

Probation Status

A student whose appeal is approved will be defined as on probation and may receive aid for one additional term. Students will be monitored each semester based on the details of their success plan, including the time frame for compliance. At the end of the next enrolled term, students on probation must meet all three standards to be deemed eligible for continued assistance and be in good standing. Students who fail to meet the three standards, but meet all the terms of their academic contract, may continue on probation for the length of their academic contract. Students who fail to fully satisfy their academic plan will be disqualified for financial aid. Once students have failed to maintain satisfactory progress based on an academic plan that includes a timeline longer than one semester, they may not appeal and they become disqualified for financial aid. Students may, however, remain enrolled and find other means to pay tuition and expenses.

Students may only be on probation for two consecutive semesters or the length of their academic contract, whichever is greater.

Impact on the Disbursement of Financial Aid

Financial aid regulations do not allow for the disbursement of any financial assistance for future semesters until it can be ensured that the student will be eligible to receive the financial aid under these SAP standards. As a result, a hold will be placed on the future disbursement of financial aid for those students who are at risk of becoming ineligible. This includes:

  1. Students who are on warning.
  2. Students who are on probation.
  3. Students who are being monitored based on an approved academic plan.
  4. Students who are approaching the maximum time-frame standard.

Once grades are posted and SAP standards can be monitored, the hold will be released for those deemed eligible. The hold will not be released for those deemed disqualified until such time as an appeal is approved.

Request To Have Satisfactory Progress Recalculated

If adjustments have been made to the student’s academic record after their SAP status has been calculated, students may request that their SAP status be reviewed again. This may be necessary when:

  • Grades for the term were posted after SAP was calculated
  • Grade changes occur, including the resolution of an incomplete
  • Transfer credit has been posted
  • An academic objective has changed

Appeal Guidelines

Students who fail to meet these standards and lose eligibility for financial aid can appeal the decision. As part of all appeals, the student is required to provide all of the following:

  1. The appropriate SAP Appeal form or letter as requested, including a personal statement explaining:
    1. Extenuating circumstances that led to the student not meeting the SAP standards.
    2. What actions the student is taking to ensure future academic progress.
  2. Documentation to support extenuating circumstance(s). Examples of extenuating circumstances include (but are not limited to):
    1. A period of illness or injury for the student.
    2. A period of illness or injury for an immediate family member requiring the student’s assistance.
    3. Death of a family member.
    4. Family difficulties (financial, divorce, etc.)
    5. Military service.
  3. Develop a detailed plan showing how the student will meet remaining program requirements, address the SAP standard deficiencies and make reasonable academic progress toward degree.

The complete appeal packet must be submitted to the Registrar’s Office. Students should check the ineligibility notification for the submission deadline. Appeals will be evaluated by the appropriate committee. Students will be notified of the results by email. If a student wishes to challenge the denial of an appeal, they must provide to the Registrar’s Office a clear written rationale for this challenge by the stated deadline. The registrar will submit the appeal to the appropriate appeal committee, who will make a determination.

Fresno Pacific University Scholarships and Grants

FPU offered over $1,000,000 in institutional aid during the 2014-2015 academic year to FPU graduate students. Students seeking FPU grants and scholarships must complete a FAFSA if they are U.S. Citizens or U.S. Permanent Residents (See point 2 under Application Process.)

Teacher Education Grant

Academic ability and admission to classified standing in the teacher education program. Additional application required by deadline: July 15 for the fall, November 15 for spring and March 15 for summer.

Teacher Education Distinguished Leadership Scholarship

High academic ability, evidence of potential for leadership in the field of education and admitted to classified standing in the teacher education program. Additional application required by the deadline: July 15 for fall, November 15 for spring and March 15 for summer.

Graduate Grant

Admission to classified standing in a graduate credential, certificate or master’s degree program; financial need; dedication and commitment to academic work. Additional application required by deadline: July 15 for the fall, November 15 for spring and March 15 for summer. Applications are submitted to the specific school.

Church Match Scholarship

Fresno Pacific University will match gifts from a student’s church up to $250 per semester, not to exceed $500 for the year. Gifts from the Pacific District Mennonite Brethren Churches are matched two to one. Contact the Student Financial Services Office for details about the church match scholarship policy and specific deadlines. You can find a detailed question and answer sheet about this scholarship at State, Local & Institutional Aid.

FPU Donor Scholarships

Alumni, parents, friends, businesses and foundations have generously provided a special set of scholarships available to students attending Fresno Pacific. These scholarships are vital both to FPU and the students we serve. Applications can be found on scholarships.fresno.edu. Deadlines vary by student population type.

Public Grants

Cal Grant TCP

Students who received a Cal Grant A or Cal Grant B while completing their undergraduate degree may be eligible for one year of full-time Cal Grant Teaching Credential Program benefits while pursuing their preliminary teaching credential.

Loans

A loan is a type of financial aid that must be repaid. Loan funds are intended to assist a student in educational expenses only. A student should consider their future loan debt and ability to repay before they commit to borrowing. For each loan program described below entrance counseling, a time when students must read about loan debt and future possible implications, must be completed.

Direct Student Loan

Unsubsidized loans are available to graduate students. The loan is obtained from the Department of Education, working in cooperation with the Student Financial Services Office. An origination fee and guarantee fee may be deducted from the student’s loan disbursement by the lender in order to help defray the costs of the program. These are mandated by federal regulations and thus processing times may be influenced by changes initiated by the U.S. Department of Education. Please check with Student Financial Services for loan limits. The Direct loan is typically more advantageous to the student than a private/alternative loan. It is recommended that students complete a FAFSA to be considered for Direct loans before pursuing this type of loan. Various loan cancellation options through a variety of organizations are available for borrowers who enter certain occupations.

PLUS Loans

Graduate students may borrow up to the cost of education minus financial aid per academic year. This program is not based on financial need; however, all borrowers must meet credit analysis standards set by the lending institution. These loans are subject to origination fees by the lender. Repayment begins 60 days following the full disbursement of the loan. The borrower is generally allowed up to 10 years to repay the loan with a minimum $600 annual repayment. It is recommended that students complete a FAFSA to be considered for Direct Student Loans before pursuing this type of loan.

Alternative/Private Loans

In addition to Direct Student Loans and PLUS loans other credit-based education loans are available to assist students with the cost of education. Contact the Student Financial Services Office for more information. It is recommended that students complete a FAFSA to be considered for the Stafford loans before pursuing this type of loan.

Joylene Boren Loan Program

A low-interest loan is available through Fresno Pacific University to graduate students who are pursuing a Master of Arts in Education with an emphasis in reading/language arts and who show financial need and high academic ability. A separate application is required. Applicants must be recommended by reading faculty and program chairperson.

Other Aid Programs

Federal Direct Loan Forgiveness Program for Future Teachers

Students who teach full-time for five consecutive years in a designated low-income school may apply for loan forgiveness. For eligibility requirements and more information, contact the U.S. Department of Education at 800-433-3243 or studentaid.ed.gov or your student loan lender.

Veterans Benefits

Fresno Pacific University is approved by the Department of Veterans Affairs (DVA) for the education of veterans, active duty personnel, reservists and eligible dependents under current law and has been approved in the Yellow Ribbon program. Benefit programs for veterans include: Chapter 30 (Montgomery GI Bill), Chapter 31 (Vocational Rehabilitation), Chapter 1606 (Montgomery GI Bill Selected Reserve or MGIB- SR), Chapter 33 (Post 9-11 GI Bill), Chapter 1607 (Reserve Educational Assistance or REAP), Chapter 33 (Survivors and Dependents Assistance) and Tuition Assistance (TA). The Registrar’s Office is the point of contact for students receiving benefits from the DVA. The office has a certification specialist to assist in providing information about entitlements, filing claims to the DVA and certifying enrollment. This specialist monitors the academic progress of students receiving DVA educational benefits. Students who receive DVA benefits are subject to different academic regulations and should be aware that auditing courses, enrollment status, withdrawals, repeating courses, changing degree programs, adding majors and minors and other actions may affect eligibility for educational benefits.

Employment

Federal Work Study (FWS)

Federal work study is a federally sponsored employment program that enables students to gain employment experience while earning a portion of their financial aid. The Career Services Center and Personnel Office are responsible for coordinating on-campus jobs. Students may work no more than 20 hours per week during regular school sessions and no more than 40 hours per week during vacation periods. Federal work study funds are available only to students who demonstrate financial need. Note that a work study award is not a guarantee of employment. Every effort will be made to place all awarded students. Scheduling conflicts and other problems may, however, make employment an impractical alternative. In this event students may be able to replace a work study award with loan funds.

Institutional Work Study (IWS)

Institutional work study is similar to FWS but is funded totally by Fresno Pacific University. Opportunity is given to students who are unable to qualify for FWS and/or off-campus employment. Students may apply for open positions through the Career Services Center.