Humboldt State University
HOW TO GET YOUR MONEY 1 QUICK REFERENCE
ACCEPTING YOUR AWARD 2
UNDERSTANDING YOUR AWARD 3
TABLE OF CONTENTS
DISBURSEMENT INFORMATION 4
CHANGES TO YOUR AWARD 5
Financial Aid Office
TYPES OF AID Hours: 8:00 am to 5:00 pm
GRANTS 6 Monday through Friday
SCHOLARSHIPS 10 Location: Student & Business
WORK STUDY 11 Services Building, 2nd floor
GRADUATE AID 13 Toll Free: 866-255-1390
PROGRESS 14-15 Website: www.humboldt.edu/~finaid
RIGHTS & RESPONSIBILITIES 16-17 Humboldt State University
Financial Aid Office
COST OF ATTENDANCE 13,18 1 Harpst St.
Arcata, CA, 95521
FREEZE DATE INFORMATION 19
RETURN OF TITLE IV AID 20
ADDITIONAL PHONE NUMBERS:
Academic Information &
Referral (AIR Center) 707-826-4101
ADDITIONAL AGENCIES Career Center/Student
Americorps 800-922-2677 Counseling Center 707-826-3236
California Student Aid Commission 916-526-7590 EOP/Support Service 707-826-4781
(CSAC) (toll free) 888-224-7268 Housing & Dining Services 707-826-3451
Direct Loan Servicing Center 800-848-0979 Research & Graduate Studies 707-826-3949
Duplicate SAR Requests 319-337-5665 Student Disability Resource
Federal FAFSA Processors 800-433-3243 Center 707-826-4678
Humboldt County Dept of Social Student Financial Services 707-826-6789
Services (Food Stamps/MediCal) 707-445-6103 Student Health Center 707-826-3146
Selective Service Administration 847-688-6888 Veterans Affairs 707-826-4971
Veterans Affairs Regional Office 800-827-1000
2 HUMBOLDT STATE UNIVERSITY
YOUR AWARD NOTIFICATION
Review your award carefully, especially loan information. You must report all outside resources, such as vet-
You may accept all, part, or none of this award online. erans’ benefits, scholarships, fee waivers, alternative
You can cancel unreceived aid or repay aid during the loans or athletic awards, to the Financial Aid Office in
term received. You do not have to be officially admitted writing.
to accept your aid, but you must be officially admitted
to receive funds. If you are expecting or requesting a revision or attending
HOW TO GET YOUR MONEY
Spring only, you must still accept aid by the original
Although you may have indicated part-time attendance deadline date. Students who are not enrolled fall,
on your FAFSA, your aid will be packaged at full-time, but plan to enroll for the spring semester, will have
full-year. It is your responsibility to notify the Financial their aid cancelled unless they notify the Financial Aid
Aid Office if you will not be attending full-time for the Office of their plans.
full academic year.
BIA Grants and non-HSU Scholarships are added to your
Accept your award online prior to the deadline by program when we become aware of them and credited
viewing your account at www.humboldt.edu/~finaid/ to your account after the funds have been received in
webward.shtml. (Detailed instructions are located on the Financial Aid Office.
page 2 of this booklet, as well as online.) If you do
not accept your aid by the deadline, your aid will be Submit any additional documents requested; outstanding
cancelled and may not be available for reinstatement. documents or requirements prevent disbursement of
aid. Keep a copy of anything you mail to the Financial
If changes to your award are made, you will be notified Aid Office, including any mailing receipts. If you are
via email. You may then check your account online. applying for spring and/or summer semesters only, you
Once your initial award letter is sent to you via regular must still submit documents by the original document
mail, most follow up messages, changes, or revisions will request deadline; do not wait.
be sent to you via email. Keep your HSU preferred email
address updated on the Web Information System. Off Campus Programs: Enrollment in a program of
study abroad that is approved for credit by HSU may be
If you accept a Perkins Loan, you must also return the considered enrollment for determining federal student
Borrower Fact Sheet (38B) and Perkins Loan Program aid eligibility. If planning to participate in an off-campus
Information Review (38C) to complete your acceptance. program (i.e. Visitor, International Program, etc.), you
Perkins funds will not disburse until forms are received. must schedule an appointment with our Off-Campus
Programs Advisor, well in advance of your departure.
HOW TO PAY YOUR FEES
By HSU Student Financial Ser-
Cash, Check, money order, or vices confirmation of your accepted
online with your MasterCard/
OR financial aid by fee payment dead-
www.humboldt.edu/~reg/webreg.html line (excluding Work Study)
You may review your latest award online at www.humboldt.edu/~finaid/webaward.shtml
**If your registration fees are being deducted from your aid, and for ANY REASON this aid is not available within
two weeks after the first day of instruction, you MUST pay your registration fees from other sources.
If your aid amount (excluding Work Study) is not enough for full payment of fees, you must pay the
balance of fees by the due date on your bill. If you cannot pay this amount, contact the Financial Aid
Office for other options.
FEE COVERAGE BY OTHER PROGRAMS: If your
fees are waived, or paid by other sources (i.e., Voc NON-RESIDENT TUITION: If your award notification
Rehab, Veterans, other agencies), you must notify is based on non-resident costs, and you are enrolled in
(in writing) the Financial Aid Office, and submit the less than 12 units, OR you have been reclassified as a
agency authorization to Student Financial Services. California resident for tuition purposes, report this to the
This fee coverage cannot replace the expected family Financial Aid Office. If you are a non-resident, you may
contribution. (Also see information about Cal Grants be eligible for grant aid from your home state.
in “Types of Aid” and Cal-Vets in “Miscellaneous
FINANCIAL AID AWARD GUIDE 2006-2007 1
ACCEPTING YOUR AWARD ONLINE
To Accept Your Financial Aid Award On The Web:
Log on to your record on the Financial Aid Office website: www.humboldt.edu/~finaid
ACCEPTING YOUR AWARD
1. Click on “Check My Aid”
2. Click on “Log in” and use your HSU ID# (or SSN) and HSU PIN
3. Click on “Financial Aid.” From here you can access your financial aid award.
Step A. Check your status. Click on “My Overall Status of Financial Aid” and select the correct
aid year. If you have been selected for verification, you will not yet have an award. The following
messages may appear:
“You have unsatisfied student requirements for this aid year.”
Click on “student requirements” to pull up the documents screen. Some required documents will be
highlighted in blue. You can click on those documents and a printable, Adobe Acrobat version of
that document will display. Print it, fill it out completely, sign it if necessary, and mail it or fax it to the
financial aid office before the listed deadline.
“Holds may have been placed” on your record which will prevent disbursement and may prevent
application processing. If this message appears, click on “Holds” to review.
“You have active messages.”
Click on “Messages” to review.
Step B. To proceed to the award screen - Click on “Financial Aid” on the navigation bar at the top of the
screen to return to the main Financial Aid Menu.
1. Click on “My Award Information”
2. Click on “Accept Award Offer by Aid Year”
3. Accept or Decline your awards here. You may accept a partial loan, if you wish. See pages
7-10 for detailed information about loans. If you plan to attend less than a full academic year, or
less than full time, accept the full award and notify the Financial Aid Office of your plan. We will
notify you when changes have been made.
4. Once you have accepted or declined your award from this page, all changes must be submitted
to the Financial Aid Office in writing: via email or by printing and sending in a “Change Form.”
5. Declined aid may not be available for reinstatement later.
Note: Forms, documents, and booklets are located at: www.humboldt.edu/~finaid/forms.shtml
CAUTION: Any aid not accepted by the posted
acceptance deadline will be cancelled.
Step C. Check the Financial Aid Menu frequently for messages, new requirements, holds and
1. Most correspondence from the Financial Aid Office will be sent to you via email; keep your HSU
Preferred email address updated in the HSU Web Information System. Your mailing address must
also be current to receive your aid check and/or disbursement statement.
2. If additional documents are required, or new messages are placed on your account, these
messages will appear on the “My Overall Status of Financial Aid” screen.
2 HUMBOLDT STATE UNIVERSITY
REQUIREMENTS FOR ACCEPTING YOUR AID
I understand that to receive assistance from the Federal Title IV programs or Humboldt
UNDERSTANDING YOUR AWARD
UNDERSTANDING YOUR AWARD
UNDERSTANDING YOUR AWARD
scholarships unless I comply with the statements below. The Federal Title IV programs are:
Federal Pell Grant (Pell), Federal Loan Programs (Stafford/PLUS/Direct Loans), Federal
Supplemental Educational Opportunity Grant (SEOG), Federal Work Study (FWS), and
Federal Perkins Loan (PL).
I am meeting the minimum enrollment require- I agree to accept responsibility for repayment
ments and maintaining satisfactory academic of any loans disbursed to me. I understand that
progress toward completion of the course of if I receive a Perkins Loan and withdraw or
study I am pursuing, according to the standards cease to be at least a half-time student, I must
and practices established by Humboldt State report to Student Financial Services, 2nd floor,
University. Please refer to the Satisfactory Student and Business Services Building (SBSB),
Academic Progress section of this guide. and arrange for the terms of repayment. I will
check with the Financial Aid Office regarding
withdrawal/repayment policies for other federal
I understand that a financial aid award does not student loans.
imply admission to the university. Aid will be
disbursed when admission status is cleared.
My actual eligiblity may differ from my original
award. My program of student (e.g. Bachelor’s,
My unofficial withdrawal, official withdrawal, or Teaching Credential, Master’s, etc.), grade level,
failure to meet attendance requirements may annual and aggregate federal loan limits, and
result in a billing for financial aid funds received, other factors may require adjustments to my
which must be returned to the Student Financial award.
Aid programs. This may also result in unpaid
University Fees and housing charges if I have My financial aid is contingent upon continuation
signed a license for on-campus residence. of the federal and state programs indicated on
Dropping units via the web is not an official the most recent award notification. The University
withdrawal. must receive all anticipated federal and state
allocations to meet our commitments of financial
assistance. The cost of attendance and the
I must promptly report in writing to the Financial amounts of some aid programs, such as the State
Aid Office any changes or corrections to: my University Grant, Cal Grant and Pell Grant, are
class level or unit enrollment; withdrawal; receipt dependent upon fees determined after passage
of outside aid, scholarships or benefits; fee, book, of the California state budget. Final amounts for
transportation, parking, or other expense cover- financial aid might be different than shown
age from any outside agency. This information on award letters prepared before state and
may result in a reduction of my award and/or federal budgets are finalized.
require repayment of funds already received
during the 2006-2007 academic year. Scholar-
ships and outside resources cannot replace
the expected family contribution (EFC). Initial If I fail to respond promptly to any
awards are for full time; inform us in writing if you information request from the Finan-
are attending less than full time. cial Aid Office, I understand that my aid
may be reduced or cancelled.
If I (or my parents) submit false information, my
financial aid is subject to immediate cancellation, I will meet my responsibilities as
and I may be required to repay any funds received listed in the “Rights and Responsibili-
on the basis of such information. ties” section of this guide.
Appointments are available with Financial Aid Counselors to discuss any aspect of your aid
application, the eligibility determination process, or any other questions or concerns you
may have regarding financial aid. Walk-in appointments are generally available, or you may
schedule an appointment. Telephone appointments are also possible.
FINANCIAL AID AWARD GUIDE 2006-2007 3
WHAT IS DISBURSEMENT?
Disburse means to “pay out.” Disbursement refers to when your Financial Aid funds are released to your account.
When funds are finalized and ready to pay (all provisional admission requirements have been met), they are credited
to your student account (exceptions are Federal Work Study, non-HSU bank loans and certain non-HSU scholarships).
Current academic year charges for fees and on-campus room and board will automatically be paid by your financial
aid if all disbursement requirements have been met.
Other current charges at Humboldt for educationally related activities, such as library fines, course fees, past
due Short Term Loan obligations, as well as prior year charges of less than $100, may be withheld only with your
authorization. Any remaining amount will be disbursed to you as a “refund” check, and, with the exception of Perkins
funds (see below), mailed by Student Financial Services to your local mailing address on the university computer
system at the time of disbursement, and will not be forwarded by the U.S. Post Office.
DO NOT CASH your financial aid refund check if you are not planning to
attend or if you are planning to change your unit load. Return the check to
Student Financial Services and contact the Financial Aid Office for further
Address: Financial Aid checks Holds: (Such as for Satisfactory Academic Progress) will
are mailed to the current LOCAL prevent disbursement.
address on the HSU system.
Checks will not be forwarded, HSU Convenience Card: If you live in campus housing,
remailed, or mailed outside the funds may be set aside for books and supplies at the
local area. If you are enrolled Humboldt Bookstore. Each semester the University will first
at HSU, but are studying out of apply your aid to your registration fees and other allowable
the area, you must make arrange- charges. During the first two weeks of the semester, if funds
ments with the Financial Aid Office remain, up to $300 will be applied to your HSU Card. If your
to have your check mailed. All undeliverable checks returned financial aid is cancelled or reduced, or if you withdraw from
by the Post Office will be available for a limited time for the University, you may be legally obligated to repay any
pickup at Student Financial Services. Lost checks will amount for which you are not entitled.
be cancelled and replaced after a limited waiting period.
Keep your address current via our Web Information System: Late Registration: The initial disbursement for each
www.humboldt.edu/~records/ go to “WebReg.” semester may be affected by the date you registered. If
you register for classes during Fall HOP or late registration,
Admission: You may apply for financial aid prior to disbursement and check mailing may be delayed until units
being admitted to the University, but the awarding process can be verified and disbursement processes run.
cannot be completed until an application for admission is
received. Funds will not disburse until conditions for Perkins Loan: If you have accepted a Perkins Loan, you
clear admission to the University have been satisfied. will be required to sign a promissory note, or disbursement
Please check with the Office of Admissions if you have been statement, at Student Financial Services, no earlier than
provisionally admitted. the first day of the semester. At that time, you may pick
up your “refund” check. Your check may contain other
Authorization: If you are a new aid applicant, you must financial aid, as well as the Perkins Loan funds, and will
complete the Student Authorization (form 38E), available on not be mailed.
the web (see page 2). WIthout this form, your financial aid
will not disburse. When you sign this form, your authorization Prior Debts: Minor allowable prior academic year debts
remains effective for subsequent disbursements as long of less than $100 may be paid from current year funds.
as you are enrolled at Humboldt. You may cancel this Larger debts, such as prior year housing charges which
authorization by notifying us in writing; however, manual remain unpaid, cannot be satisfied with current academic
disbursement will delay receipt of your funds. If you are year financial aid and will stop disbursement. You must
a Cal Grant B recipient, you may request that your access pay all debts and charges remaining from a prior year if
funds (CGBS) be paid in a separate check, not subject to they total $100 or more before any financial aid for the
crediting your account, as above. Manual preparation will current year can be released.
Work Study: Federal Work Study is not listed as “Estimated
Funds Available: During the first two weeks of school, Disbursements” on your award notification. See separate
aid may be disbursed and mailed several times per week. sections in this booklet (p 11) for work study information.
During the balance of the semester, disbursements are
generally made weekly. You may check with our Intake staff
for questions regarding disbursement.
4 HUMBOLDT STATE UNIVERSITY
MORE DISBURSEMENT FACTS
Freeze Date Deadline: On a specific date announced each semester, the financial aid system will take
one FINAL reading of your units. Your unit status on that date will set your eligibility level for affected
CHANGES TO YOUR AWARD
programs for the entire semester. Pell Grant and Cal Grant B Access recipients who are not enrolled full-
time as of the freeze date may be required to pay back all or part of the Pell Grant and/or Cal Grant B
Access funds if received based upon full-time units.
The “freeze date” for State University Grant (SUG), Cal Grant A and Cal Grant B, is the Univerity census
date, because these grants are based upon the amount of your fees.
Direct Loans: One-semester loans now require two disbursements with equal amounts at the beginning
of the term and at the term’s mid-point. If the first disbursement of the loan happens after the term’s
mid-point, one disbursement for the semester is allowed. Federal law requires a 30-day delay after the
beginning of the loan period, before initial disbursement can be made for freshman students borrowing
for the first time under the Federal Direct Loan Program.
By 7/31/06 the 2006-2007 Financial Aid Office disbursement bulletin (40C) will be posted
online. This document will contain very important information, and will be found on our website:
CHANGES TO YOUR AWARD
Additional Assistance: If you feel aspects of your Revisions: Change requests are dependent on your
situation have been overlooked, please bring them eligiblity and available resources. Change request forms
to our attention. Our Intake staff will be happy to are available on our website. You will receive a response
assist you, walk-in appointments may be available, to your request, generally within 4 weeks. Additional
or a limited number of scheduled appointments are resources must also be reported to ensure compliance
available with Counselors. If you would like to make with regulations regarding eligibility.
an appointment, please call the Financial Aid Office
(707) 826-4321, or toll free at (866) 255-1390. Out- Summer Aid: Summer 2006 aid is part of the 2005-06
of-area students may arrange a phone appointment. award year. Since it is a non-standard term, the
We accept faxed messages at (707) 826-5360 and financial aid automated system will not completely
E-mail at: firstname.lastname@example.org. These messages handle eligibility determination, fund awarding and
are treated as incoming mail; expect a response in disbursement. Additional forms will be required.
4 to 6 weeks. Check our website or call for information about Summer
2006 in April of 2006. Summer 2007 is part of the
Changes to Application: Your dependency status 2006-07 award year.
must be updated if it changes at any time during the
award year, for reasons other than marriage or divorce. Switches Between Federal Perkins Loan (PL) and
If you are asked to verify information reported on your Federal Work Study (FWS): As long as funds remain
aid application, household size and number in college available, you may be eligible to switch part of your
must be correct at the time of verification. PL to FWS or part of your FWS to PL. Consider
your decision carefully, as it might not be possible
Income Changes: It may be possible to have your to reverse a program adjustment later in the year.
application analyzed using current year income if you Submit your written request, including dollar amounts, to
have experienced major changes in your financial the Financial Aid Office.
situation, such as: involuntary job loss, divorce,
death of a parent or spouse. This reanalysis requires Units: Undergraduate unit loads are categorized as
further information and is considered after initial filing, follows for most aid types: full time, 12 or more;
beginning in August. If you feel your situation warrants three-quarter time, 9-11; half time, 6-8. Changes in
reanalysis, please contact this office. enrollment after disbursement may create a billing for
aid received. If you are enrolled in less than 12 units,
Less than 6 Units: It may be possible to you must request prior approval from the Financial
receive limited financial assistance for a program Aid Office for your aid to be disbursed. Changes to
of less than half time. Submit a Change Form, established aid programs will result in delays.
available on our website.
FINANCIAL AID AWARD GUIDE 2006-2007 5
Federal Pell Grants (Pell)
By submitting the Free Application for Federal Student Aid (FAFSA), you have applied for a Pell Grant. You must
be pursuing an undergraduate degree or initialteaching credential to receive funds. You are eligible for a Pell
Grant for only those classes which are required for your first undergraduate degree or credential. (Eligibility
for the Pell Grant is limited to one year in the credential program, and is not added to a student’s aid package
until early fall.) If you have any questions, please make an appointment with a counselor. You will receive a
Student Aid Report (SAR) from the Federal processor, which you should read carefully and check for accuracy.
If you need to make corrections, follow the directions online or on the paper SAR and return the corrections to
the processor. When you receive your corrected SAR, please review it for accuracy and notify the Financial
Aid Office in writing of the changes you made.
State University Grant Federal Supplemental Educa-
(SUG) tion Opportunity Grants (SEOG)
State University Grant (SUG) for California Federal Supplemental Education Opportunity Grants
residents is for payment of state university are awarded to a limited number of undergraduates
fees and is based on both the level who have Pell Grant eligibility.
of financial need and your Humboldt
registration fee charges, per term. If your
fees are covered or waived by another
agency, you are not eligible for a SUG.
Humboldt charges “part-time fees” for 6.0 Educational Opportunity
or less units, and “full fees” for 6.1 or more
units. Initial SUG awards are made at the
Program Grants (EOPG)
full fee level. If you limit enrollment to 6.0 Eligible full time undergraduates who are admitted
or less units, your SUG must be reduced. through the Educational Opportunity Program may
Notify us in writing immediately if taking qualify for this state-funded grant.
6.0 or less units for any term.
State Aid Perkins Loan
You must be classified as a California resi- Perkins Loans are available, but funds are limited.
dent for tuition purposes to receive state You will be notified if you are eligible. If awarded,
aid, such as SUG and Cal Grants. you will be required to sign a Promissory Note and
will be notified when it is ready.
Cal Grant A provides partial payment toward Humboldt registration fees. Cal Grant B provides access funds, and
for renewal Cal B recipients partial fee coverage is also provided. We do not expect funding for the Cal Grant T
program for 2006-2007 at this time. Cal Grant A or B may appear on your award notice as an estimate based on
your previous receipt of that grant at Humboldt. If you have been withdrawn from the Cal Grant program for
any reason, please inform us. New Cal Grant winners will receive an award notice from the California Student
Aid Commission (CSAC). Present your California Aid Report (CAR) to us if you were awarded Cal Grant but it
is not shown on your award notification. Renewal Cal Grant students transferring to Humboldt for 2006-2007
should inform us by presenting their latest letter from CSAC, as well as notifying CSAC of the expected school
change. New and renewal amounts are estimates only; final grant amounts will not be known until the state budget
is approved. Receipt of Cal Grant fee coverage requires that we cancel or reduce any State University Grant award.
If you are a Cal Grant B recipient, you may request that your access funds (CGBS) be paid in a separate check, not
subject to crediting your account,as above. Manual preparation will delay payment.
To review your Cal Grant information go to: mygrantinfo.csac.ca.gov
6 HUMBOLDT STATE UNIVERSITY
FEDERAL DIRECT LOAN PROGRAMS
Humboldt State University participates in the William D. Ford Federal Direct Student Loan
program (also known as the Federal Direct Stafford/Ford Loans, or simply Direct Loans).
These loans are made by the U.S. Department of Education in a simple process by
applying through the HSU Financial Aid Office.
We DO NOT certify Federal Family Educational Loan Program Loans (FFEL or Federal
Stafford Loan). The FFEL program is similar to the Direct Loan program in its terms and
conditions but the lenders are banks, credit unions or private companies in partnership
with guarantee agencies and the federal government.
Students applying to more than one college should check with the colleges to determine
which program is administered, Direct Loans or FFEL Loans. As stated above, in HSU’s
case, we administer Direct Loans.
APPLICATION PROCESS: DISBURSEMENT:
You are automatically considered for the Federal (see page 4, Important Facts About Disbursement,
Direct Student Loan programs by filling out the for additional aid disbursement information)
Free Application for Federal Student Aid (FAFSA).
Loan funds are paid through the school in two
The Financial Aid Office will determine the maxi- equal disbursements, once at the beginning of
mum loan you are eligible for, based on your official fall semester, and once at the beginning of spring
grade level, eligibility analysis and federal aggre- semester. A maximum 3 - 4% loan fee is sub-
gate loan limits. You will receive an Award Notifica- tracted from each disbursement and any outstand-
tion listing your loan eligibility; follow instructions ing University charges such as fees, tuition, and
located in this booklet and online to accept in full, room and board (for those in the residence halls)
reduce or decline your loan offer. will be withheld. Any remaining funds are mailed
directly to the student or, for Parent PLUS loan-
If you have accepted a loan, HSU will begin the
borowers, to the parent.
initial loan certification process during the summer
prior to fall attendance. Your loan cannot be final-
ized until you have been officially admitted to the
University. We cannot certify loans for provi-
sionally admitted students. In addition, for trans-
fer students, Direct Loans may not be certified until
the Office of Admissions has received and posted
all transfer units and your grade level is confirmed.
ALTERNATIVE (OR PRIVATE) LOANS
You may be able to borrow an educational loan through a bank or educational loan financing agency. These
loans, along with other aid and education resources, can never be more than your total cost of attendance. Your
eligibility for an alternative loan depends on many factors. A wide variety of loans are available, with many differ-
ent costs, policies and procedures. We do not recommend alternative loans in most cases, as they do not have
the beneficial aspects of the Direct Loan programs. There are times, however, when additional funding is needed
due to loss of eligibility for other programs or educational expenses which cannot be met by our standard aid
Financial Aid Office policy requires that you complete a questionnaire to insure understanding of the terms and
conditions of the loan for which you are applying. Since there are many private loan companies with changing
terms and conditions, this information is not known or provided by the Financial Aid Office; it is information that
you must research and provide to demonstrate that you are aware of what the loan terms are. Counselors are
available to discuss general information about alternative loans and options.
FINANCIAL AID AWARD GUIDE 2006-2007 7
LOAN ENTRANCE COUNSELING: MASTER PROMISSORY NOTES:
Regulations require that you receive loan counsel- Prior to receiving a loan disbursement you will
ing prior to your first disbursement of HSU Direct be asked to read and sign a Master Promissory
Loan funds even though you may have borrowed Note. A promissory note is a legal document
and received entrance counseling at a prior insti- signed by you, as the borrower, prior to disburse-
tution. This counseling is intended to provide ment of a loan that binds the borrower to the terms
you with important information about your respon- and conditions of the loan agreement. It con-
sibilities and rights as a borrower and to ensure tains information about interest rates, repayment
that you are making a knowledgeable decision terms and minimum repayment rates, deferment,
to borrow. Your first disbursement cannot be forbearance, cancellation, credit bureau reporting,
released until the Financial Aid Office can con- late charges, attorney fees, collection costs and
firm that you have fulfilled the loan counseling default. The Master Promissory Note, available
requirement. The HSU Financial Aid website can for both student Direct Loan and parent PLUS
provide you with the information you need to fulfill Loan borrowers, can be completed electronically
this requirement. through a link on our website or can be printed out
and mailed to you by the Financial Aid Office for
signature. A Master Promissory Note can cover
multiple Direct Loans over a maximum ten-year
period, which allows borrowers to obtain additional
loans without having to sign a new Note for each
TYPES OF WILLIAM D. FORD FEDERAL DIRECT LOANS
Subsidized Federal Direct Loans Unsubsidized Federal Direct
are available to students who demonstrate Loans are available to students regard-
financial need. Borrowers are not charged less of financial need and are similar to the
interest while they are enrolled in school Subsidized Federal Direct Loan except that
at least halftime and during grace and interest accrues from the time the loan is
deferment periods. The amount you may disbursed. The amount you may borrow
borrow is based on your academic year is based on your academic year budget,
budget, your personal resources, your class your class level and awarded student aid
level and other awarded student aid and and educational resources. Although the
educational resources. Repayment begins principal is payable on the same terms
six months after the borrower drops below as the Subsidized Federal Direct Loan, it
half-time enrollment. is recommended that you begin payment
on the accruing interest while you are still
Federal Direct PLUS Loans
allow parents to borrow on behalf of their
dependent undergraduate children who are
enrolled at least halftime. The amount they Federal Direct Consolidation
can borrow is based on their student’s aca- Loans allow any borrower to combine
demic year budget and other awarded stu- one or more federal education loans
dent aid and educational resources. The into a single loan to facilitate repayment.
Direct PLUS Loan requires a credit check* Because the repayment period can be
and borrowers must begin repayment of longer, consolidation loans may be a way to
both the principal and interest shortly after reduce the borrower’s monthly payments;
the loan is disbursed. The Direct PLUS however, the total interest repaid over the
Loan Request Form may be downloaded at: life of the loan is usually higher.
*For credit appeal overrides, endorser appli-
cation questions and PLUS Loan borrower
issues may be directed to Direct Loan Be an informed con-
Applicant Services 1-800-557-7394 (TDD/ sumer and a prudent borrower for
TTY: 1-877-461-7010) or by Email to the sake of your financial future.
8 HUMBOLDT STATE UNIVERSITY
Yearly Maximum Loan Limit Information
Borrowers Academic Total amount Base Amount Additional Amnt Total Amount
Level Subsidized & Subsidized & Unsubsidized Subsidized &
Unsubsidized Unsubsidized Only Unsubsidized*
Freshman $2,625 $2,625 $4,000 $6,625
(Less than 30 units)
Sophomore $3500 $3,500 $4,000 $7,500
Junior/Senior/Credential** $5,500 $5,500 $5,000 $10,500
(60 or more units)
Graduate/Professional N/A $8,500 $10,000 $18,500
*Total loan available is based on HSU Cost of Attendance, other educational resources and
aid awarded. Eligibility may be less than the federal annual loan maximums.
**Credential students are enrolled in an undergraduate (not master’s) program and their
loans are limited to undergraduate levels.
Total amount Base Amount Additional Amnt Total Amount
Subsidized & Subsidized & Unsubsidized Subsidized &
Unsubsidized Unsubsidized Only Unsubsidized*
Undergraduate $23,000 - - $23,000
Independent - $23,000 $23,000 $46,000
Graduate/Professional - $65,000 $73,000 $138,000
Federal direct PLUS LOan Annual Limits: The PLUS Program enables parents to borrow up
to the difference between the student’s cost of education and any aid/educational resource
received per year for each dependent child, with no aggregate loan limit.
It is important to remember that loans must be repaid!
Prior to accepting any loan to cover school related expenses, you should consider the cost of the loan over its
lifetime versus the advantages of borrowing to finance your education. For instance, Unsubsidized Direct Loans incur
interest charges by the student from the time of disbursement, including the interest that accumulates during periods
of deferment; the student may opt to pay the interest during periods of enrollment or deferment, but is not required
to do so. Parent Direct PLUS Loan borrowers begin repayment within 60 days after all of the Direct PLUS Loan is
disbursed for a school year.
By budgeting carefully, working part time and maximizing your non-loan resources such as grants and scholarships, you
should succeed in keeping your loan debt as low as possible.
It pays to be an informed consumer and a prudent borrower now
for the sake of your financial future.
FINANCIAL AID AWARD GUIDE 2006-2007 9
At Humboldt State University, the average student debt incurred through federal student loan programs is about
$18,500 for exiting undergraduates and about $27,000 for exiting borrowers in graduate programs. The Financial
Aid Office monitors the aggregate loan amounts of HSU borrowers and may caution students when they have high
loan levels. There are charts available to help you estimate your monthly payments based on your aggregate
loan amount and your projected potential monthly earnings. Estimating your payments now can help you to set
your borrowing limit.
LOANS & SCHOLARSHIPS
The Department of Education reports the making of Federal Direct Loans, their repayment and the failure to
repay to any credit bureau organization with which the Secretary of Education has an agreement. This will
affect your future ability to qualify for any loan, including credit cards, cars, houses, etc.
It is important that you stay in touch with the loan servicer(s). If you change your name, move, leave school,
transfer to another educational institution, or change your graduation date, inform your servicer right away. If your
records indicate that you are no longer enrolled, or if your servicer cannot reach you, your loan could go into
delinquency and/or default.
Once repayment starts, if any problems arise that affect your ability to repay, you must remember to contact
your loan servicer(s) immediately to discuss your situation to avoid jeopardizing your credit record. You may be
able to delay repayment or to arrange other payment options.
Direct Loan Contacts
For questions about your loan, Phone: 1-800-848-0979 Correspondence:
address and name changes, esti- TDD: 1-800-848-0983 Direct Loan Servicing Center
mated repayment info, repayment Web Site: www.dslservicer.ed.gov Borrower Services Department
plan changes, deferment and for- PO Box 5609
bearance forms. Available Monday- Friday Greenville, TX 75403-5609
From 5:00 a.m.-5:30 p.m. PST Payment Address:
U.S. Department of Education
Direct Loan Payment Center
PO Box 530260
Atlanta, GA 30353-0260
Phone: 1-800-557-7392 Mailing Address:
For questions about Consolidation
TDD: 1-800-557-7395 U.S. Department of Education
Loans, Consolidation Loan appli- Email: email@example.com Consolidation Department
cation requests, and Consolidation WedSite: http://loanconsolidation.ed.gov Loan Consolidation Center
Loan application status PO Box 242800
Louisville, KY 40224-2800
All applicants who file the FAFSA indicating Humboldt State University by March 2, 2006, will automatically be
considered for 2006-2007 scholarships administered by the Financial Aid Office. No separate application will
be necessary for these awards. Students are encouraged to pursue scholarship searches, to check with the
academic department and to pursue all other possible sources of scholarship funds.
visit our Scholarship Database:
Humboldt State University, a member of the California Collegiate Athletic Association, NCAA Division
II Athletic Conference, offers athletic grants-in-aid to selected athletes. Call the Humboldt State
University Department of Intercollegiate Athletics at (707) 826-3666 for further information.
10 HUMBOLDT STATE UNIVERSITY
FEDERAL WORK STUDY
Federal Work Study (FWS) is a financial aid program that allows you to work on campus or in the community to
earn money to meet your educational costs. If you have been awarded Work Study, it will be indicated on your
Financial Aid Award Notification. FWS awards and the types of work available vary. Community Service Work
Study is a possibility for those who wish to perform service to the community while working. Community
service positions include reading tutors, child care providers, biological technicians and museum assistants. It
is often possible to work in a position related to your educational objectives. You can also check with the
department office within your major area. The HSU Library and University Center Dining Services employ
many students. For assistance with community work study placements or other work study questions, contact
the work study coordinator in the Career Center.
Note: If you were eligible for Federal Work Study, but were not awarded due to lack of funding, you
will be notified if funds become available.
You must be enrolled in at least 6 units to earn Federal Work Study
(5 units for graduate students).
• Verification: When you apply for FWS jobs you • Taxes: All work study is taxable income. W-2 forms
will need to verify that you have an award. You will be issued to you. Be prepared to report the earnings
can do this by going to www.humboldt.edu/~finaid, on your 2006 and 2007 tax forms.
“Check My Aid.”
• Time Vouchers: Time vouchers and instructions are
• Job Listings: FWS jobs, including both campus available from your supervisor. If you are working
and community service positions, are listed on-line at off campus, you can obtain time vouchers from the
www.humboldt.edu/~career and in the Career Center, Career Center. They should be completed as the
Nelson Hall West, Room 130. You must register instructions on them indicate; incorrect or late forms
with the Career Center in order to view the on-line may result in late payment. Time sheets should
listings. You apply for work study jobs as you would be turned in at the end of each pay period as
a part-time position. Job descriptions and application instructed by your supervisor.
instructions are included in the listings.
• Paycheck: Your monthly paycheck will be available
• Rate of Pay: Hourly pay rates vary. The on the 15th of the following month at Student Financial
Career Center has information on Humboldt’s Services (Student and Business Services 2nd floor).
Student Employee Personnel Policy. Off-campus You must present your HSU identification card with a
employers set their own pay rates based on current registration sticker (if you lost this, you can
industry standards. replace it through this office). If you work off campus
you will be paid directly by your employer according
• Payroll Sign Up: If you work on campus, to their payroll schedule.
you must complete and submit a Student Payroll
Action Request (SPAR) and an employment Eligibility • Higher FWS Awards May Be Possible: If you feel
Verification (Form I-9) to the Human Resources confident you can earn above your award amount, it
Office, Siemens Hall Room 211. These forms are may be possible to have your balance increased (if you
available from your supervisor. You will need to are eligible and if funds remain for the increase).
present your Social Security card and another form of Submit your written request, including dollar amounts,
identification, usually a driver’s license, to complete to the Financial Aid Office.
the sign up procedure. You should use a permanent
address so you can receive your W-2 forms on time. • Funding Limitations: Due to funding limitations,
If you work off campus, you will complete payroll it is possible that FWS awards may be reduced
forms with your employer. You must meet with the for all students if there are not sufficient funds
Work Study Coordinator in the Career Center before to cover projected earning. In addition, an early
beginning an off campus work study job. date may be established in which all FWS students
must cease working. If either of these occur,
you will be notified.
• Cancellation: FWS awards are subject to cancellation
or reduction if a student does not begin working
within a reasonable time following enrollment. If
you do not begin earning by October 1, 2006,
your FWS award will be cancelled, unless written
arrangements to defer earning have been made with
the Financial Aid Office.
FINANCIAL AID AWARD GUIDE 2006-2007 11
AB205: On January 1, 2005, The e.g., registration fees, nonresident tuition, targeted to those with the greatest
California Domestic Partner Rights and University housing. In all cases, act measured financial eligibility. The
and Responsibilities Act (Assembly Bill quickly in applying for a refund. The potential resources of each individual
205) went into effect. The California State University applies a fair and equitable (and, where required, the individual’s
University will administer financial aid in refund policy for the return of unearned family) are analyzed by national
such a way that students and/or parents tuition and fees or other refundable standards. In brief, eligibility is determined
of students in Registered Domestic portions of institutional charges, and you by deducting analyzed resources from the
Partnerships are treated in the same may direct questions to Student Financial appropriate expense budget.
fashion as married students and/or Services, 826-6789. In general, aid is awarded to timely
parents when determining eligibility for and eligible applicants. Approximately
state and institutional aid. If you are a Withdrawal forms are available at the AIR 20% of the financial aid funds our
student and in a Registered Domestic Center, Student Business Services, 1st students receive are from programs
Partnership, OR if your custodial parent Floor. On submission of the necessary where available funds are not sufficient
(the parent whose information was forms, Student Financial Services and the to fully meet the eligibility of all applicants
supplied on the FAFSA) is in a Registered Housing Office determine the amount of (PL, SEOG, FWS, EOPG, SUG, and most
Domestic Partnership, you are required refund, if any. A complete copy of Hum- HSU scholarships). HSU has, therefore,
to report this information to the financial boldt State University’s refund policies, adopted awarding priorities and criteria
aid office, and additional information may procedures, and examples applicable to for these programs. In developing the
be required. Please contact the financial financial aid recipients is available by criteria, the eligible population, available
aid office for more information. contacting the Financial Aid Accounting funding, and institution enrollment and
Office, Student and Business Services, retention implications were considered.
Adjustments: Documented costs, such Room 257. For students who received These priorities are posted on the
as for a computer purchase or child financial aid, see Return of Unearned bulletin board outside the Financial
care costs, may be allowed as a cost Title IV Aid below. Aid Office.
of attendance adjustment. Counselor
are available to discuss this or any other Return of Unearned Title IV Aid: If you Study Abroad: Enrollment in a program
special circumstances which might impact withdraw from the university, or cease of study abroad which is approved for
your eligibility and were not considered attendance, a portion of your financial aid credit by Humboldt may be considered
in our initial determination. If you wish may be considered unearned and must enrollment for purposes of a student
to have your situation reassessed in light be returned to the program. You will be applying for and receiving federal
of additional information, please contact billed for any unearned financial aid and student financial assistance. If you will
this office regarding the appropriate resulting unpaid university charges. If no be participating in any off-campus
process. units are passed, you may be considered program, i.e. Visitor, International
unofficially withdrawn and the return of Program, etc., you must schedule
Refund Policy: A student who withdraws unearned Title IV aid may be required. an appointment with our Off-Campus
from the University, or drops to a lower Programs Advisor, well in advance of
fee category, may be eligible for a refund Awarding Priorities and Criteria: Since your departure.
or a reduction in institutional charges, aid funds are limited, they are generally
Scholarships-Taxable Income: Portions summer, seasonal, internship, and Federal Food Stamp Program: Further
of scholarships and grants are taxable full-time jobs are listed in the Career information about application procedures
income when they exceed tuition and Center, Nelson Hall West Room 130. is available from the Humboldt County
fees (not including room and board) and When you register with the Career Food Stamp Office, (707)445-6103.
books, supplies and equipment required Center you will also have access to
for courses of instruction. Further on-line job listings. California, DVA/Cal-Vet Fee Waiver
information is available upon request Program: Assistance may be available
from the Financial Aid Office (Taxable Information about job searches, local for dependents of disabled or deceased
Income, Form 990). employers, internship and cooperative veterans. See the HSU catalog or web
education sites, and international site for further details.
Government Agencies: Other assistance opportunities is also available. Staff
is available for some students through can help you with resume writing and Medical Expenses: All students are
government programs, such as Vocational application processes. The Career Center strongly urged to obtain the University
Rehabilitation, Temporary Aid to Needy is open year round and encourages offered health insurance policy. For
Families (TANF), and Veteran’s benefits. students to locate employment that information contact: Associated Students
Offices in the Humboldt County area is career-related. Students who are Office, South Lounge. University Center,
can provide more detailed information. admitted for the next semester may (707) 826-3771.
You are encouraged to explore your use the services by presenting their Note: State regulation requires that
benefits with these agencies. If you letter of admission. students living on campus carry minimum
apply for financial aid, documentation health and accident insurance coverage.
of the money received from these other Please refer to additional information Check with Housing and Dining Services
programs may be required. Outside regarding opportunities for Federal Work for further details.
educational resources may reduce Study in previous sections. Many students are eligible for MEDI-
current Humboldt aid amounts. CAL ASSISTANCE. Contact a MEDI-
Additional Assistance: CAL office for further information.
General Employment Possibilities: http://www.theswitchboard.org/ Eureka Office: 929 Koster Street, (707)
Humboldt State University students and A comprehensive database of information 445-6103
their partners are eligible to use the on resources available in Humboldt
Career Center. Part-time, temporary, County.
12 HUMBOLDT STATE UNIVERSITY
AID FOR GRADUATE STUDENTS
Graduate Funding Limitations: Generally, no Perkins limits are exceeded, you are not eligible for any
Loans, Work Study funding, State University Grants, Federal Title IV assistance.
or Humboldt scholarships are available for students
pursuing second BA/BS degrees, students in certificate Graduate Enrollment: Full-time enrollment for a
programs or for students already holding a master’s graduate student enrolled in a Master’s Program is nine
degree or credential. Generally, no SEOG, EOPG, (9) units. Half-time enrollment is five (5) units.
or Pell Grant aid can be given to anyone who has
received an undergraduate degree. Student pursuing
an initial teaching credential may be eligible for Graduate Unit Cap: When graduates have earned 50
a Pell Grant; however the credential program is or more semester units past their first degree, or when
considered an undergraduate (not master’s) program attempted units exceed 150% of degree requirements,
and loans for credential students are limited to students are not eligible for most aid unless mitigating
undergraduate levels. circumstances exist. These “caps” include time on
aid as well as not on aid, including transferable units
Undeclared graduates are generally ineligible unless for students who attended college elsewhere. This
they meet specific criteria approved by a financial generally equates to a time frame of 2 academic
aid counselor. years for a graduate degree or credential. Generally,
students are not eligible for financial aid once they
Graduate Federal Direct Loan Annual Limits: have completed the course work requirements for their
Depending on the amount of financial eligibility objective. See the “Satisfactory Academic Progress”
and the amount of other aid received, a student section for additional information.
may annually borrow up to $18,500 or the cost WARNING: Only the maximum number of thesis/project
of attendance (whichever is lower) per year for units allowed towards completion requirements for your
master’s graduate study. Master’s Degree will be counted towards satisfactory
Cumulative graduate loan maximum for Master’s
degree students is $138,500. This includes any Cost of Attendance for Graduates: The following
Stafford/Direct loans received as an undergraduate. estimates will give you a general idea of the costs
The total annual and aggregate limits include any of attendance for graduates for Fall 2006 and
unsubsidized Stafford/Direct loans. If aggregate loan Spring 2007 (Undergraduate cost of attendance is
available on page 18.)
ESTIMATED GRADUATE COST OF ATTENDANCE
The following estimates for 2005-2006 will give you a general idea about costs.
Allowable Student Expenses Commuting From Living in Living Away
Fall 2006 and Spring 2007 Parents’ Home Residence Halls from Home
Estimated Fees (subject to change)
$3,750.00 $3,750.00 $3,750.00
Books & Supplies
$1,080.00 $1,080.00 $1,080.00
Food & Housing
$3,222.00 $7,906.00 $7,997.00
$1,015.00 $1,062.00 $1,062.00
Miscellaneous Personal Expenses:
Clothing, laundry, cleaning, toiletries, $1,704.00 $1,873.00 $1,782.00
medical & dental, entertainment, etc.
ESTIMATED COST OF ATTENDANCE $10,770.00 $15,670.00 $15,670.00
• Non-Resident students add $339.00 per unit for tuition.
• Estimated fees are based upon 6.1 or more units per semester.
• Estimated costs do not include dependents’ expenses.
• Summer 2006 Attendance Costs are not included above.
The acceptance of your full financial aid package may reduce your Temporary Aid to Needy Families (TANF)
grant. We recommend you contact your agency case worker prior to accepting your financial aid funds
if you are a graduate student.
FINANCIAL AID AWARD GUIDE 2006-2007 13
SATISFACTORY ACADEMIC PROGRESS STANDARDS
SATISFACTORY ACADEMIC PROGRESS
Quality - Grades Quantity - Number of
GRADE POINT AVERAGE Units Completed
The standards are stated in the “Academic
Probation and Disqualification” sections When undergraduates have earned 150 or more
of the Humboldt catalog. For purposes semester units (graduates 50 or more semester
of determining a student’s eligibility to units past their first degree), or when attempted
remain in attendance at the university units exceed 150% of degree requirements,
and to receive financial aid, overall quality students are not eligible for most aid unless
of performance (as measured by total mitigating circumstances exist. These “caps”
grade points and cumulative grade point include time on aid as well as not on aid,
average) is considered. To continue including transferable units for students who
financial aid eligibility, a student must attended college elsewhere. This generally
maintain a grade point average of at equates to a time frame of six academic years
least a “C” (2.0) or academic standing for a baccalaureate degree and two academic
consistent with Humboldt graduation years for a graduate degree or credential.
requirements. Generally, students are not eligible for financial
aid once they have completed the course work
STUDENTS IN requirements for their objective.
Humboldt is taking steps to intervene If you will transfer to or have attended
with students who are apparently having Humboldt and earned more than 128 units,
academic difficulty. If you are a financial you may not be eligible for most financial aid
aid recipient who fails to complete your programs. Contact the Financial Aid Office if
entire unit obligation, or if your grade you have questions.
point average falls to a certain level, your
financial aid check may be withheld. You The primary measure of satisfactory academic
may be required to obtain an assessment progress for aid recipients is the minimum number
from the Learning Center, you may be of units per academic year an aid recipient
required to meet with Academic Support must complete with passing grades (passing
staff and you may be required to grades are A, B, C, D, and CR). Generally, these
meet with a financial aid counselor. minimum numbers are 24 or more units (full-time
These requirements are being put student), 18-23 units (3/4 time student), or 12-17
into place to ensure your satisfactory units (half time student). Full-time enrollment for
academic progress toward your degree. a graduate student enrolled in a Master’s Program
You will be notified of any specific is nine (9) units; half-time enrollment is five (5)
requirements. units. Students wishing aid consideration
at less than full time should contact the
Financial Aid Office. Failure to complete
the required units may result in a hold on
your next term’s aid.
Summer Aid Recipients: Your satisfactory
academic progress is dependent upon the type
and amount of aid received and your enrollment
level at the time of disbursement. If you have
questions, contact the Financial Aid Office.
14 HUMBOLDT STATE UNIVERSITY
SATISFACTORY ACADEMIC PROGRESS STANDARDS
Mitigating Circumstances Loss of Financial Aid
SATISFACTORY ACADEMIC PROGRESS
Exceptions to satisfactory academic progress
standards are granted on a case-by-case basis
If you fail to meet the satisfactory academic progress
when mitigating circumstances warrant special
standards, your eligibility to receive aid will end
consideration; however, due to lack of funds,
or you will be placed on financial aid probation,
most programs generally cannot be reinstated
depending on the severity of your deficiencies.
after cancellation. A student whose financial aid
Generally, you must complete the greater of 6 units
has been terminated due to lack of satisfactory
per semester or 75% of the required number of
academic progress may generally reestablish
units as outlined earlier to retain eligibility, and
eligibility by making up the unit deficiency. For
100% to avoid financial aid probation. Probationary
specific information on reestablishing eligibility for
deficiencies must be made up within 2 terms to
financial aid, contact the Financial Aid Office. An
retain aid eligibility. If your unit deficiency at the
appointment is often necessary. Any office decision
end of any semester is so great that there is little
may be appealed to the staff member who made
possibility that you will be able to make up the
the decision. You may make an appointment
deficiency in the required period of time, your aid
with a counselor to discuss your situation and to
may be discontinued in the following semester.
receive more detailed information on the appeals
Learning Strategy Assessment and other related
process. If you see that you will not complete
actions designed to facilitate student ability to
your unit obligation, contact the Financial Aid Office
make Satisfactory Academic Progress may be
as soon as possible.
required for aid continuance. In addition, if
no units are passed you may be considered
unofficially withdrawn and return of financial aid
funds may be required.
Course Repetition Graduate Enrollment
Remedial Courses Full time enrollment for a graduate student enrolled
in a Master’s Program is nine (9) units. Half time
College of the Redwoods courses that are enrollment is five (5) units.
transferable for credit to Humboldt, or required
prerequisites for Humboldt courses, can be applied WARNING: Only the maximum number of
to your satisfactory academic progress standards. thesis/project units allowed towards completion
Contact the Financial Aid Office for additional requirements for your Master’s Degree will be counted
information and the required forms. If you are towards satisfactory academic progress.
enrolled in and receiving aid at Humboldt, you
are ineligible for financial aid at College of the The acceptance of your full financial aid package
Redwoods or any other post secondary institution. may reduce your Temporary Aid to Needy Families
Course withdrawal has no affect on financial aid (TANF) grant. We recommend you contact your
eligibility unless such withdrawal drops you below agency case worker prior to accepting your financial
your satisfactory academic progress requirement, aid funds if you are a graduate student.
in which case a deficiency occurs. Withdrawal
from the University causes unit deficiencies unless
mitigating circumstances are approved. Incomplete
courses (“I” grades) are not considered as units Note About Aid Cancellation: Due to lack
completed. Course repetitions do not apply toward of funds, most programs generally cannot be
satisfactory academic progress requirements unless reinstated after cancellation for satisfactory academic
University approved. Remedial courses are included progress problems.
in the quantitative unit totals. More information
about the Remediation policy is available in the
Schedule of Classes.
The above is a summary of federal, CSU, Humboldt and Financial Aid Office policies, procedures, rules and
regulations concerning Satisfactory Academic Progress.
FINANCIAL AID AWARD GUIDE 2006-2007 15
When you accept financial aid, you accept all its legal and financial rights
YOU HAVE THE RIGHT TO ASK A SCHOOL:
RIGHTS AND RESPONSIBILITIES
1 what it costs to attend, and what its refund 7 to explain the various programs in your
policies are if you drop out; financial aid package and how and when you
will receive your aid
2 how the school determines whether you
are making satisfactory academic progress, 8 to reconsider your financial aid application,
and what happens if you are not; if you believe you have been treated
3 what financial help is available, including
information on federal, state, and school 9 what portion of your financial aid must be
financial aid programs, not just loans; repaid, and what portion is grant or gift aid. If
the aid is a loan, you have the right to know
4 what the deadlines are for submitting the interest rate, the total amount that must
applications for each of the financial aid be repaid, payback procedures, the length of
programs available; and what criteria are used time you have to repay the loan, and when
to select financial aid recipients; repayment is to begin;
5 how individual financial need is determined. 10 how to apply for additional financial aid if
This process includes how costs for tuition and your financial circumstances change resulting
fees, room and board, transportation, books in increased need;
and supplies, personal and miscellaneous
expenses, etc., are considered in your 11 to disclose the percentage of its students
budget; who complete the school’s programs and
the percentage who transfer out and job
6 what resources (such as private placement rates; and
scholarships, parental contribution, other
financial aid, personal assets, etc.) are 12 about the effect outside scholarships may
considered in the need calculation; and how have on your financial aid award.
much of your financial need, as determined
by the school, has been met; 13 for its statistics on crimes committed on and
off campus, and for its campus safety policies
Consumer information required to be disclosed and available is listed on our website at: www.humboldt.edu/~finaid/consumer.shtml. This
site reflects the information required to be published and available, for students, employees and the general public, by the Higher Educa-
tion Act of 1965 and the Higher Education Amendments of 1998, per 34 CFR Part 668, Student Assistance General provisions, Subpart
D, Institutional and Financial Assistance Information for Students, 668.41 through 668.49. This list also contains disclosures of informa-
tion regarding student rights required by the Family Education Rights and Privacy Act (FERPA) of 1974; the Student Right to Know and
Campus Security Act of 1990; the Jeanne Clery Disclosure of Campus Security Policy and Campus Crime Statistics Act of 1990, the Equity
in Athletics Disclosure Act of 1995 and the Drug-Free Workplace Act of 1988. You may request a paper copy of this list from the Financial
The required disclosure of information includes specific student rights regarding education records and directory information unfr the
Family Education Rights and PRivacy Act (FERPA); information about financial aid, student rights and responsibilities, study abroad,
satisfactory academic progress, aid disbursement, loan terms, loan repayment and deferral, federal requirements for return of funds;
Equity in Athletics disclosures about participation, completion and graduation rates of student athletes, gender ratios, expenses, recruiting
and revenues; institutional statistics such as completion, graduation and transfer out rates, academic information regarding faculty, facili-
ties and accreditation; special facilities for diasbled students; campus safety, annual campus security reports, crime awareness and safety
reports; prevention of drug and alcohol abuse and specific information regadring fees, refunds and withdrawals.
Note: The University’s annual security report includes statistics for the previous three years concerning reported crimes that occurred on
campus, in certain off-campus buildings or property owned or controlled by Humboldt State University and on public property within, or
immediately adjacent to and accessible from the campus. The report also includes institutional policies concerning campus security, such
as policies regarding alcohol and drug use, crime prevention, the reporting of crimes, sexual assault and other matters. You can obtain
a copy of this report by contacting the University Police Department or by accessing the following website: http://www.humboldt.edu/
16 HUMBOLDT STATE UNIVERSITY
IT IS YOUR RESPONSIBILITY TO:
RIGHTS AND RESPONSIBILITIES
1 review and consider all information about a 9 perform in a satisfactory manner the work
school’s program before enrolling; that is agreed upon in accepting a Federal or
State Work Study award;
2 compare your anticipated monthly student
loan payment and other expenses, to your 10 know and comply with the deadlines for
expected take-home pay after college. application or reapplication for aid, and with the
school’s refund procedures;
3 complete the financial aid application
accurately and submit it on time to the right place. 11 maintain satisfactory academic progress
Errors delay aid. Intentional misrepresentation according to the school’s policies and
on an application for federal financial aid standards;
is a violation of law and a criminal offense
subject to penalties. 12 report in writing the receipt of all resources
not considered in evaluating your eligibility,
4 talk to high school counselors, local including full or partial payment of Humboldt
employers, and current and former students to registration fees by outside agencies;
find out about the school.
13 complete a withdrawal form at the
5 respond promptly and return all requested Financial Aid Office if you officially or unofficially
additional documentation, verification, corrections, withdraw, or cease attending classes, during
and/or new information to the Financial Aid a semester;
Office or appropriate agency;
14 repay any Title IV billings prior to release
6 read, understand, accept responsibility for of current academic year aid;
and keep copies of all forms and agreements
you sign; 15 repay your student loans, even if you
don’t complete your education, don’t get a job,
7 if you have loans, notify the school or are not happy with your education. Some
and the lender(s) of changes in your lenders now offer incentives for borrowers who
name, permanent mailing address, marital or repay their loans on time;
16 file for a deferment or forbearance, or
8 notify the Office of Admissions of any change repayment plans for your student loan, if
changes in your name, or mailing address; notify you are at risk of default; and
the Financial Aid Office of changes in marital,
enrollment, or attendance status; 17 complete entrance counseling before you
receive your first loan disbursement - and exit
counseling before you leave school.
The first level of appeal to any financial aid decision is to the staff member
whose decision you are appealing. You may make an appointment with any
counselor to discuss your situation and to receive more detailed information
on the appeals process.
You may ask for “Process to Appeal a Financial Aid Office Decision,” Form 250C
FINANCIAL AID AWARD GUIDE 2006-2007 17
HUMBOLDT STATE UNIVERSITY
COST OF ATTENDANCE
The following estimates will give you a general idea of the costs of attendance
for Fall 2006 and Spring 2007.
COST OF ATTENDANCE
Students who have not received their first Bachelor’s Degree
Allowable Student Expenses Commuting Living In Living Away
Fall 2006 and Spring 2007 From Parents’ Residence Halls from Home
Estimated Fees (subject to change) $3,175.00 $3,175.00 $3,175.00
Books & Supplies $1,142.00 $1,142.00 $1,142.00
Food & Housing $3,348.00 $8,524.00 $8,272.00
Transportation $1,094.00 $1,118.00 $1,170.00
Miscellaneous Personal Expenses: $1,841.00 $1,741.00 $1,941.00
Clothing, laundry, cleaning, toiletries,
medical & dental, entertainment, etc.
ESTIMATED COST OF ATTENDANCE $10,600.00 $15,700.00 $15,700.00
* Graduate cost of attendance is available on • Estimated fees are based upon 6.1 or
page 13. more units per semester.
** Non-Resident students add $339.00 per • Estimated costs do not include
unit for tuition. For a non-resident student dependents’ expenses, summer 2007
carrying a full-time class load of 12 units per attendance costs, or proposed fee
semester, the estimated cost of attendance increases for the 2006-2007 academic
would be $23,836: year.
12 units x 2 semesters = 24 units • If your aid eligibility amount does
x $339 per unit = $8,136 non-resident fees not seem satisfactory, or if you have
questions, an appointment with a financial
$8,136 non-resident fees + $15,700 = $23,836 aid counselor is suggested.
18 HUMBOLDT STATE UNIVERSITY
Watch out for the Financial
Aid Freeze Dates!
Look on the Financial Aid Office website
for the dates for the 2006-2007 academic year.
Please don’t get caught owing $$$
The “Freeze Date” is the deadline to finalize
your enrollment for financial aid.
This date is earlier than the last date to add a class.
Full time enrollment is required for most aid or another educational resource that pays
disbursement. If you will NOT be enrolled your fees, you may be billed for overpayment
and attending full time, immediately submit of SUG. If your SUG is paid to you for
your enrollment plans in writing to avoid over- 6.1 or more units, and you drop units, you
payment of aid funds. Eligibility for some must repay the difference in SUG. The final
types of aid depends on a specific number of registration fee amount is determined at the
enrolled units. University census date, which may be later
than our freeze date for other aid. You will
If you are eligible for Pell Grant or Cal Grant be billed for any overpayment of SUG.
B, your grant disbursement must be prorated
according to your enrolled units. Other aid If you receive aid at less than full time, but
might also have to be adjusted for less that add units before the freeze date, you might
full time enrollment. Be aware that you may be eligible for additional aid. Notify the
be billed for an overpayment for some pro- financial aid office in writing of any changes
grams if your account is credited at fulltime in attendance.
funding and you drop units or are enrolled for
less than full time status on the freeze date. Adds or drops AFTER the freeze date will not
change your funding for the current semes-
The “freeze date” for the State University ter; however, drops may cause satisfactory
Grant (SUG) is the University census date, academic progress problems. If you antici-
because a SUG is based upon the amount of pate a satisfactory academic progress prob-
your fees. The SUG is for payment of the lem, please schedule an appointment with a
State University Fee. If you have a fee waiver financial aid counselor.
FINANCIAL AID AWARD GUIDE 2006-2007 19
TREATMENT OF TITLE IV AID
WHEN A STUDENT WITHDRAWS
Summary of the Requirements of 34 CFR 338.22
The law specifies how your school must determine the amount of Title IV program
assistance that you earn if you withdraw from school. The Title IV programs that are
covered by this law are: Federal Pell Grants, Stafford Loans, PLUS Loans, Federal
RETURN OF TITLE IV AID
Supplemental Educational Opportunity Grants (FSEOGs), Federal Perkins Loans and, in
WHEN A STUDENT WITHDRAWS
some cases, certain state grant aid (LEAP/SLEAP), GEAR UP grants, and SSS grants
When you withdraw during your payment period or period of enrollment (your school
can define these for you and tell you which one applies) the amount of Title IV program
assistance that you have earned up to that point is determined by a specific formula.
If you received (or your school or parent received on your behalf) less assistance than
the amount that you earned, you may be able to receive those additional funds. I you
received more assistance than you earned, the excess funds must be returned by the
school and/or you.
The amount of assistance that you have earned is determined on a pro rata basis. For
example, if you completed 30% of your payment period or period of enrollment, you
earn 30% of the assistance you were originally scheduled to receive. Once you have
completed more than 60% of the payment period or period of enrollment, you earn all the
assistance that you were scheduled to receive for that period.
If you did not receive all of the funds that you earned, you may be due a post withdrawal
disbursement. If the post-withdrawal disbursement includes loan funds, you may choose
to decline the loan funds so that you don’t incur additional debt. Your school may
automatically use all or a portion of your post-withdrawal disbursement (including loan
funds, if you accept them) for tuition, fees and room and board charges (as contracted
with the school). For all other school charges, the school needs your permission to
use the post-withdrawal disbursement. If you do not give your permission (which some
schools ask for when you enroll), you will be offered the funds. However, it may be in your
best interest to allow the school to keep the funds to reduce your debt at the school.
There are some Title IV funds that you were scheduled to receive that you cannot earn
once you withdraw because of other eligibility requirements. For example, if you are a
first-time, first-year undergraduate student and you have not completed the first 30 days
of your program before you withdraw, you will not earn any FFEL or Direct loan funds that
you would have received had you remained enrolled past the 30th day.
If you receive (or your school or parent receive on your behalf) excess title IV program
funds that must be returned, your school must return a portion of the excess equal to
the lesser of
1. your institutional charges multiplied by the unearned percentage of your funds, or
2. the entire amount of excess funds.
20 HUMBOLDT STATE UNIVERSITY
Accepting your award 2 Late Registration 4
Additional Assistance 5 Loans, Federal Direct Program 5, 7-10
Address Changes 2, 4 Loan Consolidation 8, 10
Adjustments 1, 2, 4, 12 Loan Entrance Counseling 8
Admit 1, 3, 4 Loss of Eligibility 15
Aid Requirements 1, 3, 4, 13, 15
Alternative or Private Loans 7 M
Appeals 17 Master Promissory Note 8
Application Updated 5 Medical Expenses 10
Appointments 3 Miscellaneous Information 12
Award Notification - what to do 1, 2 N
Awarding Priorities & Criteria 12 NCAA 10
Non-Resident 1, 13, 18
BIA Grants & Scholarships 1 O
Off-Campus Programs 1, 12
C Online acceptance 2
Cal Grants 6 Other Assistance 12
Cal-Vet Fee Waiver 1, 12
Career Center 11 P
Changes 2, 3, 4, 5, 14, 15 Parent (PLUS) Loans 8
Child Care Costs 12 Part-time Enrollment, see units
Community Service Work Study 11 Pell Grant 6
Concurrent Enrollment, C/R 15 Perkins Loan 1, 3, 4, 5, 6
Consumer Information 16 Prior Debts 4
Cost of Attendance 13, 18 Provisional Admit 1, 4
Counselors 3, 5, 12
D Refunds 12
Deadlines 1, 2 Registration Fees 1, 13, 18
Direct Loans 5, 7-10 Remedial Courses 15
Disbursement 1, 4, 5, 7 Resources 5, 12
Domestic Partner Info 12 Responsibilities of Students 3, 17
Return of Title IV aid 20
E Revisions 1, 2, 5
Educational Oportunity Program 6 Rights of Students 16
F Satisfactory Academic Progress 14, 15
Federal Work Study 11 Scholarships 1, 10, 12
Fees- How to pay Registration Fees 1 State University Grant 6
Fees Paid by Other Programs 1, 10 Student Authorization 4
Freeze Date 5, 19 Study Abroad 1, 12
Funds Available 4 Summer Aid 5, 14
Supplemental Educational Opportunity Grants 6
Grades 14 T
Graduate Information 13, 15 Transfer Information 14
Holds 2, 4 Undeclared Graduate 13
HSU Convenience Card 4 Unit Caps 13
Units 4, 5, 9, 11, 12, 13, 14
Income Changes 5 W
Incompletes 15 Web Access 2
Information Disclosures 16 Withdrawal 3, 12, 15, 20
FINANCIAL AID AWARD GUIDE 2006-2007
Work Study 4, 5, 11 21
Financial Aid Office
Humboldt State University
Arcata, CA 95521