Financial Aid Handbook - Financial Aid - UNC Asheville by yaofenjin

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									OFFICE OF STUDENT FINANCIAL AID




           2011-2012
          HANDBOOK




                                  0
                                                    Office of Financial Aid

         The UNC Asheville Office of Financial Aid staff is here to assist you with the Financial Aid process. We have a
professional staff ready to help with all of your Financial Aid inquiries. Our office is located on the UNC Asheville campus on the
second floor of University Hall.

                                                               Staff
                                                     Patrice Black-Mitchell
                                               Dean of Admissions and Financial Aid
                                                          Beth Bartlett
                                                Associate Director of Financial Aid
                                                          Christy Cook
                                                     Financial Aid Counselor
                                                           Katie Keith
                                                     Financial Aid Counselor
                                                          Mickey Olin
                                                     Financial Aid Counselor
                                                       Shannon Shepherd
                                                     Financial Aid Counselor

         To apply for most types of aid, students must complete a Free Application for Federal Student Aid (FAFSA). This
application must be completed every academic year and can be done electronically at www.fafsa.ed.gov. The priority filing date for
the FAFSA is March 1. If you wish to receive aid during Summer Sessions, you must complete the Summer Session Application for
Financial Aid (in addition to the current year’s FAFSA). Please check the UNC Asheville Office of Financial Aid website for more
information and dates. www.unca.edu/financialaid

        Please use the UNC Asheville Handbook as a guide to help you understand the application process and eligibility
requirements for receiving Financial Aid.

        We look forward to serving you.

                                                    Office of Financial Aid
                                                     One University Heights
                                                206 University Hall, CPO #1330,
                                                   Asheville, NC 28804-8502
                                        Phone: (828) 251-6535        Fax: (828) 232-2294
                                   Email: finaid@unca.edu        www.unca.edu/financialaid
                         Office Hours: M-F 8am-5pm         UNC Asheville Federal School Code: 002907


                                  Other Important UNC Asheville Contact Numbers
                                  Cashier’s Office…………………………………(828) 251-6664
                                  Admissions………………………………………(828) 251-6481
                                  Admissions Toll Free Number………………….1-800-531-9842
                                  University Registrar’s Office……………………(828) 250-3848
                                  Housing and Residence Life……………………..(828) 251-6700




                                                                                                                                      1
                          Table of Contents
                               Part I: Getting Started
 OnePort…………………………………………………………………………….3
 Some Helpful Hints………………………………………………………………..3
 Useful Web Sites and Scholarship Searches..……………………………………..4
 Interaction with the Office of Financial Aid………………………………………5
 Commonly Used Abbreviations.…………………………………………………..5
 Frequently Asked Questions…………………………………………………….6-7

                         Part II: Types of Financial Aid
 Financial Aid Programs….…………………………………………………………8
Outside Source Loans………………………………………………………………8
Federal Aid Programs………………………………………………………………8
State of North Carolina Grants……...……………………………………………8-9
Outside Scholarships………………………………………………………………..9
UNC Asheville Academic Scholarships……………………………………………9
UNC Asheville General Grants and Scholarships………………………………….9
UNC Asheville Departmental Scholarships………………………………………...9
Important Eligibility Requirements………………………………………………..10
How Need is Determined………………………………………………………….10

                          Part III: Financial Aid Process
Apply for Aid………………………………………………………………………11
Tips for Filing the FAFSA…………………………………………………………12
Complete Your File………………………………………………………………...12
Verification…………………………………………………………………………13
Receive Your Award……………………………………………………………….13
Declaration of Major…………………………………………………………….13-14
Terms and Conditions Overview …………………………………………… 14-17
Applying for Loans…………………………………………………………………18
Outside Scholarships………………………………………………………………..18
Pay Your Bill………………………………………………………………………..19
Receive Your Funds……………………………………………………………..19-20
Special Circumstances/Professional Judgment……………………………………..20
Second Undergraduate Degree Students……………………………………………20
Transfer Students…………………………………………………………………...20
Federal Work Study…….……………………………………………………… 21-22
Financial Aid for Summer Session ……….……………………..………………….22
Study Abroad & Financial Aid…………….……………………………………. 22
Master of Liberal Arts and Post-Baccalaureate Students….………………………..23
Financial Aid Census Date Policy…………………………………………………..22
Satisfactory Academic Progress (SAP) Policy for Financial Aid Eligibility…....25-28
Terms and Conditions…………………………………………………………... 29-31




                                                                                      2
                                                Part I: Getting Started
         In addition to the UNC Asheville Handbook, you will need the current year’s Free Application for Federal Student Aid
(FAFSA) or the Renewal FAFSA (if you filed previously). The FAFSA or Renewal FAFSA should be filed electronically at
www.fafsa.ed.gov. You will also need personal records (tax returns, W-2s, etc) in order to complete required forms.
         Keep this handbook as a reference. You may have questions throughout the various steps in the Financial Aid process. The
Frequently Asked Questions provide answers to several Financial Aid topics. Please note that the policies in this handbook are
subject to revision without notice or obligation.



                                                            OnePort
         UNC Asheville has an electronic network called OnePort that you can use to check your Financial Aid information,
including any active messages you may have from the Office of Financial Aid. Once you have been admitted, you will receive your
username and password to activate your email and computer accounts. OnePort can be accessed by going to the UNC Asheville
home page at www.unca.edu. You will need your username and password to access your account. Navigate the menus to view
your awards, satisfactory academic progress (SAP) status, and document requirements.
      You can now change your mailing and permanent addresses while in OnePort.
      You can also view, accept or decline your Financial Aid Awards.
         http://www.unca.edu/sites/default/files/oneport_awards_view.pdf



                                                     Some Helpful Hints

         UNC Asheville’s Priority FAFSA filing date is March 1. If the federal processor receives your FAFSA or Renewal
FAFSA on or before this date, your application becomes a Priority Application at UNC Asheville. All students should attempt to file
before this date which assures that your application will be among the first reviewed and considered for aid.

UNC Asheville’s School Code
        You must list UNC Asheville as a school to receive your information in order for the Office of Financial Aid to award you
aid. UNC Asheville’s federal school code is 002907.

Your Name and UNC Asheville Student ID Number
        Make sure that these two items are on every document submitted to the Office of Financial Aid on your behalf. Please note
that your Student ID number is NOT your Social Security Number.

Update Your Mailing and Email Addresses
         Your UNC Asheville email is the primary means by which the Office of Financial Aid will communicate news and
information. Check it often. It is also your responsibility to make sure that UNC Asheville has your current mailing address.
Otherwise, you may not receive important Financial Aid information. The University Registrar’s Office can help you change your
address. You can also update your mailing and permanent addresses using OnePort at the UNC Asheville home page,
www.unca.edu.

Where We Send Your Mail
        Financial Aid information is mailed to your permanent address. You are now able to change your address information via
OnePort. If your address is incorrect, please correct this information. We frequently send revision notifications via your UNC
Asheville email address or OnePort and are not always mailed via the USPS.

Respond to Requests for Information Promptly
         The sooner you send us required information, the sooner we can continue processing your Financial Aid application. If you
do not send us requested information in a timely manner, your aid may be canceled or its disbursement delayed. Do not wait until the
beginning of the semester to take care of Financial Aid paperwork and questions.




                                                                                                                                    3
                                      Useful Web Sites and Scholarship Searches

www.unca.edu/financialaid
         The UNC Asheville Office of Financial Aid home page contains scholarship information, Federal Work Study information,
Satisfactory Academic Progress (SAP) Policy, and links to everything in this handbook.

www.cfnc.org
        The College Foundation of North Carolina website provides information about North Carolina state resources for Financial
Aid.

www.fafsa.ed.gov
        The FAFSA on the website allows you to file a FAFSA or Renewal FAFSA electronically and is UNC Asheville’s preferred
method of submission.

www.finaid.org
         The FinAid! SmartStudent™ Guide to Financial Aid website is a comprehensive guide to all aspects of Financial Aid. It
includes an estimator of college costs, links to free scholarship searches, a loan repayment calculator, and more.

www.ed.gov/offices/OSFAP/Students
        The U.S. Department of Education Office of Post-secondary Education’s website offers useful information for students.
Here you will find an online version of The Student Guide, federal school codes, information on tax incentives, and more.

www.ftc.gov
        The Federal Trade Commission website contains information regarding scholarship scams and how to recognize and avoid
them.

www.irs.gov/individuals/students
        The IRS website provides valuable tax information for students, including descriptions of tax incentives for higher
education expenses, such as the Hope Scholarship and the Lifetime Learning Credit.

www.students.gov
        This website is the student gateway to the U.S. government. It offers information on planning and paying for college.

www.studentaid.ed.gov
         This website provides A to Z advice on attending college, from the application process all the way through the repayment of
your loans.

www.student loans.gov
        This website is where students and parents will go to complete the Master Promissory Notes (MPN) for the Federal Direct
Loans and the parent PLUS loans. This site also allows students the ability to complete Entrance Counseling which is a federal
requirement for all first time student borrowers.

www.fastweb.com
        This website allows students to search for various scholarships throughout the country.

www.collegeboard.com
        This website provides all inclusive information about college and offers a scholarship search tool.

www.collegenet.com/mach25
        This website provides all inclusive information about college and offers a scholarship search tool.




                                                                                                                                  4
                             Interaction with the UNC Asheville Office of Financial Aid

        Our professional staff is available to help you with your inquiries. To accomplish the most in your visit with a counselor,
complete any required forms before your visit. Bring all pertinent documentation and write down any questions that you may have.

Contacting Us By Phone
         You can reach us by phone at (828) 251-6535 or you may email are general mailbox at finaid@unca.edu. We are happy to
assist you with any Financial Aid questions you may have. In order to discuss your confidential Financial Aid information (award
amounts, your SAP appeal decision, etc.) you must provide your Student ID number when asked for it.
         Please keep in mind that during summer months and at the beginning of each semester, our phones are especially
busy. OnePort will have much of the information that you need. The Office of Financial Aid keeps students informed by
regular mail or email while handling as many calls as possible.

Confidentiality
         The Family Education Rights and Privacy Act of 1974 (FERPA), commonly known as the Buckley Amendment, prohibits
the release of a student’s educational records (including award information) to parents, spouses, or other parties without the written
permission of the student. If students wish to release their records to another party, they can submit a notarized copy of the UNC
Asheville Request to Release Personally Identifiable and Confidential Information release form to the Office of Financial Aid. This
form must be reviewed and approved before any information is released. The student’s authorization to release their information
must be submitted on a yearly basis, and may be revoked by the student at any time. The confidentiality release forms are available
in the Office of Financial Aid and on our website at http://registrar.unca.edu/sites/registrar.unca.edu/files/forms/FERPA_Release.pdf



                                               Commonly Used Abbreviations

FAFSA
Free Application for Federal Student Aid
EFC
Expected Family Contribution
COA
Cost of Attendance
SAR
Student Aid Report
DRN
Data Release Number
MPN
Master Promissory Note
PLUS
Parent Loan for Undergraduate Student
FWS
Federal Work Study
SAP
Satisfactory Academic Progress




                                                                                                                                      5
                                                 Frequently Asked Questions

How do I apply for Financial Aid?
      For most types of aid offered at UNC Asheville, students only need to file the Free Application for Federal Student Aid
(FAFSA) and should be filed electronically at www.fafsa.ed.gov. The federal processing priority filing date is March 1st.

What is UNC Asheville’s federal school code?
         002907

What types of scholarships are available?
         UNC Asheville offers merit-based scholarships awarded at the time of admission to UNC Asheville. There are also
departmental scholarships available in some departments for continuing student who have declared their major. For these
scholarships, please check with the department of your major.

What is a Cost of Attendance (COA)?
      COA is a budget used in calculating your eligibility for Financial Aid. This budget includes both directly billed costs by
UNC Asheville (tuition, fees, room and board) and estimated, indirect costs (books, transportation and miscellaneous expenses).

What is an EFC?
         EFC stands for Expected Family Contribution. The federal processor calculates this number based on the information you
provide on your FAFSA. It represents how much you/your family can afford to contribute towards your education for the academic
year. The EFC is subtracted from your COA to determine how much financial need you have, if any. The EFC does not represent
the amount that you owe to the University.

I just got my award notification via campus e-mail. What do I do?
         How to view, accept and decline your award. If you have been awarded you will need to log on to your OnePort Account
and accept or decline your offers within 14 days of notification. If you need to make changes to your award information or notify the
Office of Financial Aid of outside scholarships, notify us as soon as possible about these additions/corrections.

How do I get Federal Work Study (FWS)?
         FWS is awarded to students with financial need. There are a limited number of FWS positions, so file a FAFSA by March
1 to determine your eligibility. It is your responsibility to find a job. If you do not find a position within the first three weeks of
class, your FWS award will be cancelled. If you are not awarded FWS, but interested in a job, contact the Office of Financial Aid to
see if you can be placed on the waiting list.

Can my Work Study award be used to pay my semester bill?
          It is your decision. Work-Study is a job. Once hired, you are considered an employee and will receive a paycheck through
direct deposit once a month for the hours worked. Please contact the Cashier’s Office if you need to use work study funds to cover
your bill.

How do I find a Work-Study job?
         For a complete listing of available Work Study positions, visit the Career Center’s website at www.unca.edu/career. Click
on the Jobs & Internships Online Posting link and then log in. There, you will be able to filter through FWS jobs.

What is the status of my Financial Aid?
        The Office of Financial Aid notifies students of their status by campus e-mail. Make sure that your addresses (both mailing
and email) are current. Read and respond to all mail from the Office of Financial Aid to make sure that your status is satisfactory.
You can also check your status in OnePort. It is your responsibility to check your OnePort account once a week to monitor any
changes to your Financial Aid.

When and where will I get my refund check?
        All Financial Aid is electronically applied to your UNC Asheville student account at the beginning of the semester. Any
refund owed to you will be available in the Cashiers Office on the first day of each semester. Some aid requires that you sign a paper
check before the money is applied to your account. The Cashiers Office will contact you if they require your signature.




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I’m going to be a part-time student. Will I be eligible for aid?
         Financial Aid awards are generally based on full-time enrollment. If you are less than full time your cost of attendance will
be adjusted. You may be ineligible for some scholarships and grants and your Pell Grant will be prorated based on your currently
enrolled hours. If you drop below half-time enrollment (6 hours), you will be ineligible to receive Financial Aid.

I’m an independent student. Do I still need to report my parents’ information on the FAFSA?
         To be considered independent for Financial Aid purposes, you must be able to correctly answer "yes" to at least one of the
eight questions in Step Three of the FAFSA. If you can answer "yes" to one of these questions, you do not need to report your
parents’ information on the FAFSA. If you cannot answer "yes," you are considered dependent for Financial Aid purposes.

What is considered to be full-time status?
Semester Enrollment Requirements for Undergraduates:
    Full-time: 12 or more credit hours
    Three-quarter-time: 9 to 11 credit hours
    Half-time: 6 to 8 credit hours
Semester Enrollment Requirements for Graduates (credit hours must be at the 500 level or above):
    Full-time: 9 or more credit hours
    Three-Quarter: 6-8 credit hours
    Half-time: 5 credit hours

I just received my Student Aid Report (SAR) via e-mail (or U.S Mail). What do I do with it?
         Read the SAR and check it for accuracy. If there are no corrections, keep the SAR for your records. If you have
corrections, submitting them yourself at www.fafsa.ed.gov is the fastest way, or you can write the corrections on the SAR, complete
the required signatures and mail it to the Federal Processors (not advised due to slower processing time). If submitting corrections
by the two previous means is unsuccessful, you can submit your SAR with the appropriate signatures to the Office of Financial Aid
and we will submit the corrections electronically. If you have difficulty while processing your corrections, you may contact the
Federal Processor at 1-800-433-3243.

How will I get my outside scholarship?
         Any notification of outside scholarships should be mailed to the Office of Financial Aid. If you receive an outside
scholarship check directly from the scholarship agency, endorse it, write your full name and Student ID on the front, and forward it
to the Office of Financial Aid. We process the checks and send them to the UNC Asheville Cashiers Office to be applied to your
student account. If the donor requires a billing statement, please provide them with a copy of your bill. All outside scholarships must
be reported to the Office of Financial Aid.

What is an In-school Loan Deferment Form and what do I do with it?
          An In-school Loan Deferment Form is used when a student has started repayment on federal loans, but is now enrolled at
least half-time and eligible for a deferment or postponement of payment. Since loan deferment forms verify enrollment, complete
the forms and send them to the University Registrar’s Office. Contact the Registrar’s Office at (828) 350-4500 for more
information.

My family’s financial situation has drastically changed since I filed the FAFSA. How do I report this?
          In some instances, the Office of Financial Aid can consider special circumstances (such as job loss) that are not reflected by
information provided on the FAFSA. Contact the Office of Financial Aid for the appropriate Professional Judgment forms. You
will be required to submit extensive supporting documentation before your situation is reviewed.

Do you need copies of my (or my parents’) tax returns including W-2 forms?
         Only if you are selected for Verification. We will notify you by mail or email if we need copies of any tax returns. Always
keep a copy of your complete tax returns and W-2s just in case. You can also check your document requirements in OnePort.

I’m a transfer student. What do I need to do?
         Transfer students must make sure that the school that they’re transferring to has their FAFSA information and that they
cancel their Financial Aid at their previous institution.




                                                                                                                                       7
                                              Part II: Types of Financial Aid
                                                      Financial Aid Programs
          The UNC Asheville Office of Financial Aid administers Federal, State, Institutional and outside Financial Aid in the form
of grants, scholarships, work programs, and loans. Some aid programs require that you demonstrate financial need while others do
not. All types of aid awarded by UNC Asheville and the Office of Financial Aid, along with application information for each, can be
accessed online on your OnePort account.

                                                       Outside Source Loans
         These are funds that are obtained by local banks or other loan providers.

                                                       Federal Aid Programs
        Federal student aid programs include Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), Federal
Direct Loans, PLUS Loans, Perkins Loans and Work-Study. The FAFSA is the primary application for this aid. Other federal
programs may require a separate application in addition to the FAFSA. For further details, consult the U.S. Department of
Education’s free booklet, The Guide to Federal Student Aid, or go to www.fafsa.gov.
         Please note that your entire Financial Aid Award is subject to change based on Federal funding.

                                                 State of North Carolina Grants
        For the purposes of these polices, a “NC Grant” is referring to the UNC Need Based Grant and the NC Education
Lottery Scholarship.

Grant Awarding
NC Grants are generally awarded simultaneously with other Financial Aid. When awarding students, the Office of Financial Aid
checks with the North Carolina State Education Assistance Authority (NCSEAA) to see if the student has been funded and deemed
eligible. If the student is eligible, the grants are applied to their award. If funds are never sent for the award, for any reason, the grant
is removed from the students Financial Aid account. Sometimes, after the initial determination of grant awards, the state finds that
there is more money and is able to extend more grant offers to students. If there are students that later have grant eligibility, the
Office of Financial Aid will add it onto the students’ award at that time.

Please note that your entire Financial Aid Award is subject to change based on State funding.

Enrollment Hour Policy
         Students that are enrolled full-time will receive the maximum eligible amount for which they are funded through the NC
Grant system as long as they meet other eligibility requirements. If a student drops below full time (12 hours), the amounts of the
grants are subject to change based on the rules of each grant. A student must have at least 6 hours to qualify for any NC Grant
money. If the student is enrolled between 6 and 11 hours, the student is eligible to receive half of the original funded amount for the
Education Lottery Scholarship and the UNC Need Based Grant.

Grade Level Policy
         The NCSEAA has given schools formal guidance in determining which students are eligible for grants based on their grade
level. The policy puts in place consistent methodology defining how many credit hours will determine whether the student is
considered eligible based on their grade level. Students that have a grade level of “5” as determined by the policy do not qualify for
ELS funds. The intent of this policy is to limit grant eligibility to those students who have earned more than the number of hours
needed to graduate. The grade level must be determined at the time of certification.
         The UNC Asheville Office of Financial Aid has put a policy in place based on the guidance of the State Education
Assistance Authority. The NC Education Lottery Scholarship is determined based upon earned credit hours. Students can not exceed
110% of the hours required for graduation, which UNC Asheville defines as 120 hours. So, students can not exceed 132 hours to be
considered for these grants.

Disbursement
          Because certification has to take place for each student’s enrollment hours, there might be a delay in disbursement for each
of these grants. The Office of Financial Aid certifies enrollment and determines eligibility until the period of Drop/Add is over at the
beginning of Fall and Spring semesters since hours and billing are able to change until that point. Subsequently, some disbursements
of these funds into the student’s account are delayed until after the Drop/Add period.




                                                                                                                                            8
          The Office of Financial Aid will award these grants on a full-time basis. When being billed for the semester, the student will
not be expected to pay the amount of their bill that the grant will cover up front. After certification takes place, if a student was not
eligible for any reason and did not receive the grant or only receives a portion of the grant based on the enrollment, the student will
be expected to pay the remainder of their balance immediately.




                                                      Outside Scholarships
         Outside scholarships/resources are funds that come from high schools, civic organizations, churches, educational
foundations, Veterans Affairs benefits, Vocational Rehabilitation programs, and other organizations external to the university. You
must notify the Office of Financial Aid in writing as soon as you learn that you will receive an outside scholarship, grant, or loan,
since these funds may affect your eligibility for other aid. Send us a copy of the notification letter (including your name and Student
ID Number).
         Once you find out about outside scholarships, notify the Office of Financial Aid immediately. We will revise your award if
necessary. Unless UNC Asheville is otherwise informed by the donor, your outside resources will be divided and applied to your
account equally for the fall and spring semesters.




                                           UNC Asheville Academic Scholarships
          Through the generosity of past and present donors, UNC Asheville offers a variety of scholarships (ranging from $1,000 per
year to full tuition and fees) to entering freshman who demonstrate high academic achievements. Though some scholarships carry
donor-specific restrictions, many of these scholarships are unrestricted and are available to students who meet the academic or
academic/need criteria. Most scholarships are renewable as long as the recipient maintains the specified minimum grade-point
average (GPA) of 3.0, fulltime, maintains satisfactory academic progress, and does not have a break in enrollment. A student in their
last semester that has applied for graduation may be awarded a departmental scholarship if they are less than full time, but more than
half time.



                                    UNC Asheville General Grants and Scholarships
          These grants and scholarships include funds awarded by the Office of Financial Aid in accordance with individual aid
program criteria. Students who want to be considered for these funds should submit their FAFSA to the federal processor by the
priority date of March 1. Students who file a FAFSA will automatically be considered for most UNC Asheville grants and
scholarships that are based on need and/or merit. These aid programs are non-renewable and are subject to applicant pool and fund
availability. Students are awarded based upon a fulltime status and our merit based scholarships require a minimum 3.0 GPA.




                                        UNC Asheville Departmental Scholarships
         These curriculum-specific scholarships are coordinated by individual UNC Asheville academic departments and are
generally awarded to those students who have already declared a major. Students wishing to apply for departmental scholarships
should contact the department of their academic major for application procedures. Students are awarded based upon a fulltime status
and our merit based scholarships require a minimum 3.0 GPA. A student in their last semester that has applied for graduation may
be awarded a departmental scholarship if they are less than full time, but more than half time.




                                                                                                                                       9
                                           Important Eligibility Requirements
        You must meet these guidelines in order to be eligible for any type of Financial Aid. Other UNC Asheville scholarships
may also require that you meet these criteria:

       You must be admitted to and enrolled as a degree-seeking student at UNC Asheville. (Please note that certificate
        programs have not been approved for aid eligibility.)
       You must be making satisfactory academic progress toward a degree. Please read the Satisfactory Academic Progress (SAP)
        Policy for Financial Aid Eligibility to determine if you meet its requirements. If you are not making satisfactory academic
        progress, you may appeal your status by completing a SAP Appeal form available online at
        http://www.unca.edu/sites/default/files/1112%20SAP.pdf
       You must be a United States citizen or an eligible non-citizen. Eligible non-citizens may be required to present current, up-
        to-date, and valid U.S. Citizenship and Immigration Services (USCIS--formerly Immigration and Naturalization Service or
        INS) I-551 or I-94 forms in person to the Office of Financial Aid to document their eligibility for federal aid. Students on
        F1, J1, J2 visas, and G series visas are NOT eligible for federal Financial Aid or Financial Aid from UNC Asheville.
       You must provide all requested documentation. Your Financial Aid cannot be processed without necessary documents.
       You must not be in default on a federal student loan or owe a repayment on a federal grant at any institution or the U.S.
        Department of Education.
       If required, you must be registered with Selective Service. You can register at their website: www.sss.gov.
       U.S. Citizens must have a Social Security card that carries a current and accurate legal name and Social Security number.
        Applicants who have changed their legal name due to marriage, etc. must acquire a new card from the Social Security
        Administration Office.
       You must complete the university immunization requirements.
       Various types of aid have specific eligibility requirements, including the minimum number of hours in which you
        must be enrolled.

                                                  How Need Is Determined
          Many types of aid require that you demonstrate financial need in order to be eligible. To be considered for need-based
(state, institutional, and outside) and all federal aid programs, you must file a FAFSA or Renewal FAFSA. The information you
provide on the FAFSA establishes whether or not you have financial need.

Expected Family Contribution (EFC)
         The federal processor uses a formula known as Federal Methodology to estimate your family’s ability to contribute to your
education. This formula, written into law by Congress and reviewed each year, evaluates your FAFSA answers related to income
and assets, family size, and number of family members in college in order to calculate your Expected Family Contribution (EFC).
Your EFC is how much money you or your family is expected to contribute to your educational expenses. You do not pay the EFC
to UNC Asheville; it is simply used to calculate your aid eligibility. If you have questions about what family members should be
included on your FAFSA, see the instructions included online that are part of the application process. This Handbook also provides
important information in the section Apply for Aid.

Cost of Attendance (COA)
          Your EFC, in conjunction with the COA, determines the types of need-based Financial Aid for which you are eligible. The
COA is an estimate of how much it costs to go to school at UNC Asheville. It includes tuition, fees, room and board as well as an
allowance for books, supplies, transportation, and personal expenses. COA is based on a student’s status as an in-state or out-of-
state resident, housing status (living on campus, with parents or relatives, or off campus), and graduate or undergraduate
classification. Please be aware that your COA will be adjusted if you are enrolled less than full time. Exact tuition and fees are
established by the State of North Carolina.

        Documented Need is defined as a student’s Cost of Attendance (COA) minus the Expected Family Contribution (EFC):

                                                  Cost of Attendance (COA)
                                             – Expected Family Contribution (EFC)
                                                      Documented Need

         The Office of Financial Aid will meet as much of each applicant’s documented need as possible, given fund availability and
fund eligibility requirements. You should not assume that your full need will be met.




                                                                                                                                   10
                                           Part III: Financial Aid Process

                                                          Apply for Aid
         The types of Financial Aid available at UNC Asheville are summarized in the previous section of this handbook. To apply
for most types of aid, you must first complete a FAFSA or Renewal FAFSA. The electronic web version is very fast and easy and
can be found at www.fafsa.gov.

FAFSA or Renewal FAFSA
          If you filed in the previous academic year and provided a valid email address, a renewal reminder will be sent to you from
the Federal Processor. If you did not provide a currently valid email address you will receive a reminder via regular mail at the
permanent address provided on that application. This will remind you to either file your renewal FAFSA on the web or complete the
paper version of the renewal and return it to the U.S. Department of Education. If you do not receive your renewal reminder by early
January, you should complete your FAFSA application via the web either as a new application or a renewal application using your
PIN number (and parent PIN number if you are considered to be a dependent student for Financial Aid purposes). You may apply
for a PIN at www.pin.ed.gov.
          If you did not file a FAFSA or Renewal FAFSA in the previous academic year or are not sure of your current filing status
you may file a regular FAFSA by using either the web or submitting a paper application. Please note that paper applications are
no longer readily available. You must call and request a paper copy at 1-800-433-3243.
If you filed a FAFSA on the Web last year and your grade level status was senior or graduate student, you will not receive
communication from the Federal processor. You will still need to complete a Renewal FAFSA.
Remember: to file using the web you (and your parent if you are a dependent) should have a PIN number. You may apply for a PIN
at www.pin.ed.gov.
          If you have questions about the FAFSA, you can call 1-800-433-3243. If you have a hearing disability, you can call the
TDD number at 1-800-730-8913.

Web Application (UNC Asheville’s preferred FAFSA and Renewal FAFSA process)
         The FAFSA or Renewal FAFSA may be filed on the web at no cost. The advantages to filing your FAFSA on the Web,
compared to mailing a paper FAFSA, include a faster processing time and interactive editing of your answers to lessen the chance of
your application being rejected. The address is www.fafsa.gov.
         If you are completing a FAFSA application, you can apply for a PIN, which is provided by the Department of Education
online at www.pin.ed.gov. As of January 1, 2008 you are able to receive your PIN number immediately after requesting your PIN.
You will receive an email notification with instructions on how to retrieve it electronically. You must use your PIN to electronically
sign your FAFSA. If your e-signature page is not received within fourteen days, the federal processor will reject your application.
You will be mailed a rejected SAR Acknowledgement Form that you will need to complete and must return to the U.S. Department
of Education to have it reprocessed.
         If you have questions about the FAFSA, you can call 1-800-433-3243. If you have a hearing disability you can call the
TDD number at 1-800-730-8913.

Student Aid Report (SAR)
         When you file your FAFSA electronically, you will receive an email from the federal processors within 6-10 days. Then
you can view your SAR online but you will need your PIN to access this information. Within four to six weeks after you file a paper
application, you should receive a SAR Information Acknowledgement communication from the federal processor. However, if you
include an email address on your paper application, you will receive an email from the federal processors. The email will contain
information on how to access your SAR electronically. The SAR lists all the information you provided on the FAFSA. Please be
aware that if you submit your application or corrections and do not receive a SAR acknowledgement, you should contact the federal
processors at 1-800-433-3243.
         Check the Information Release section of your SAR to be sure UNC Asheville (school ID number 002907) is listed as a
school to receive your information. If UNC Asheville does not receive your information, we will not know that you want aid. If you
listed UNC Asheville on the FAFSA, we receive an electronic record of your SAR automatically.
         Remember that your FAFSA is a snapshot of your status as of the date you complete the application. If you make a
mistake, a correction may be made only to correct the error, not to update or add new information.




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                                                 Tips for Filing the FAFSA
       If the federal processor receives your FAFSA by March 1, your application becomes a Priority Application for Financial
        Aid. This means that you have a better chance of receiving funds awarded on a first-come, first-serve basis (although there
        are no guarantees).
       Read the instructions for the FAFSA carefully before you fill it out. This is very important. Errors and omissions delay
        processing and awarding.
       Make sure your name, date of birth and SSN are correct on the FAFSA and carefully review questions concerning
        household size and number in college.
       Provide your parents’ SSNs, last names, first initials, and date of birth if you were required to answer "no" to every question
        in Step 3 (of the FAFSA PDF version http://www.fafsa.ed.gov/fotw1112/pdf/PdfFafsa11-12.pdf ) which determines
        whether you are a dependent or independent student.
       Do not leave any lines blank. If an item does not pertain to you, then place a 0 (zero) in that field. Leaving too many items
        blank on the FAFSA may cause the file to be rejected.
       Pay special attention to the tax line numbers given for some questions. These will guide you to the correct figures from
        your tax forms.
       Be sure the required signatures are present on the FAFSA. Without appropriate signatures, your application will be
        rejected. If you are considered a dependent according to Section 3 of the FAFSA, you must obtain parent information and
        signatures even if your parents did not claim you on their tax returns and/or you do not live with them.
       Your answers in Section 3 (Student Dependency Status) determine whether you are a dependent or independent student for
        the purposes of Financial Aid. If you answer "no" to all of these questions, you are considered a dependent student. If you
        are a dependent student, you must provide parental information. If you can answer “yes” to any one question, you are
        considered independent and are not required to provide parental information.
       Be sure to list UNC Asheville’s federal school code: 002907. If you do not include UNC Asheville, we will not receive
        your information and will not know that you want aid.


                                                      Complete Your File
         After filing a FAFSA, you may need to complete your file at the UNC Asheville Office of Financial Aid. There are a
variety of documents that you may be required to submit. Until we have all required documents, we cannot award you Financial
Aid. NOTE: Initial requests for these documents will be sent from the Office of Financial Aid via e-mail. Additional requests will
also be sent via e-mail. If necessary, we will make corrections to your application based on this documentation. All requirements are
available on your OnePort account and can be viewed at any time.

Social Security Number (SSN) Documentation
          If you file your FAFSA listing the wrong SSN, we will need to correct this on your application and submit these corrections
to the Federal Processor. If you have changed your legal name due to marriage or for other reasons, but have not updated your
Social Security record, you must do so and apply for a new card from the Social Security Administration. You must then send a
copy of the new card to the Office of Financial Aid before you can be awarded. Make sure that you also give UNC Asheville your
correct name and SSN when you apply for admission. Errors in this information may prohibit you from receiving Financial Aid
until the errors are discovered and corrected by the student.

Other Documentation Requirements
         Please be aware that sometimes the need for additional documentation arises in the midst of the Financial Aid process. We
cannot continue processing your application until we have all the information we need. As we review information, the status of your
file may change. You do not need to provide these documents unless we request them. You may be asked to provide such
documentation as, but not limited to:
      A copy of marriage certificate or separation documents
      A copy of your social security card
      Immigration and Naturalization Service documentation
      Proof of Selective Service Registration
      Death certificates.




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                                                             Verification
         The Department of Education selects 30% of all FAFSA applicants for a process called Verification. In addition, the UNC
Asheville Office of Financial Aid reserves the right to select any student for Verification if they feel that the information on the
FAFSA is false or misleading.
         If the Federal processors or UNC Asheville selects students for verification, we ask them to provide documentation of their
financial status. Verification allows the Department of Education and the Office of Financial Aid to ensure the accuracy of
information used in filing for Federal Title IV funds. The Office of Financial Aid will notify you if you have been selected for this
process. If you are selected, you must provide the required information in order to receive Financial Aid.
         If the Verification process reveals errors in the data used to determine your eligibility for Financial Aid, the U.S.
Department of Education requires the university to recalculate and resubmit your information for reprocessing. You will not receive
an award until the Verification process is completed. Failure to provide information necessary to complete Verification will prohibit
the awarding of your initial award or possible cancellation of your federal and need-based aid for the award year. You do not need to
provide any Verification information unless it is requested by the Office of Financial Aid.

Verification requirements may include, but are not limited to:
        Verification Worksheet
        A signed, complete copy of Federal income tax forms for student, parent, and/or spouse (including all schedules,
         worksheets and additional forms filed)
        W-2 and 1099 forms for student, parent, and/or spouse
        Documentation of asset information and other untaxed income or compensation
        A copy of birth certificate or driver’s license
        Documentation of a household member’s enrollment status at another post-secondary school



                                                       Receive Your Award
          After you have filed the FAFSA or Renewal FAFSA, and have met the basic eligibility requirements, and have completed
your file, you will receive an Award Notification e-mail from the UNC Asheville Office of Financial Aid. This award notification
represents the maximum amount of available aid for which you are eligible. Your award is based on the assumption that you will
enroll for full time and that you accepted “TERMS AND CONDITIONS”. Students failing to enroll as specified will have their
award revised or cancelled. Please note that some components of your award will not pay at all unless you are enrolled
fulltime. If you enroll for less than full time, some aid may be reduced or cancelled.

When you receive your award notification you should do the following:
        Make sure that your award information lists all of your aid or funding sources. The award should include outside loans,
         institutional scholarships, vocational rehabilitation benefits, tuition waivers, or merit awards, etc. If your award does not list
         all of your aid or funding, you must notify us in writing immediately, since your award may need to be revised.
        If you have been offered a loan, you must log on to your OnePort account and either Decline or Accept your loan. Students
         accepting a Federal Direct loan for the first time at UNC Asheville must also complete Entrance Counseling and a Master
         Promissory Note (MPN).
        Make sure that you were awarded for the correct semesters (Fall/Spring). If you are attending only one semester, your
         award should be based only on that semester. Notify the Office of Financial Aid immediately if you need to report
         enrollment changes. You will then receive revised award information via your OnePort account.
        You must read “Terms & Conditions” found on the UNC Asheville Office of Financial Aid home page at
         http://www.unca.edu/financialaid/terms-and-conditions. It is your responsibility to know and understand your rights
         and responsibilities as a financial aid recipient.


                                                       Declaration of Major

A student must declare a Major upon reaching sixty (60) credit hours to remain eligible for financial aid.

Federal regulations require every degree‐seeking student to declare a major by his/her third year (5th semester) or sixty (60) credit
hours which ever occurs first. However, at UNC Asheville, there are specific institutional and departmental prerequisites for
declaring a major; only students who have fulfilled all prerequisites may declare his/her major. A student who is not eligible to
declare his/her major but who has enrolled in his/her third year of full‐time collegiate enrollment or reached junior standing may


                                                                                                                                        13
complete this form to designate his/her intended major program for purposes of monitoring successful academic progress for
financial aid purposes only.

A student may complete an Intent of Declaration of Major form if prerequisites are still required. This will allow the student to have
ONE additional semester of financial aid eligibility. If the prerequisite is offered in the current term the student is required to take
the course at that time, or will lose eligibility until a Declaration of Major is declared.

The Intent to Declare Form is located on the Financial Aid Forms Page.

                                                  The Terms & Conditions Overview

                                                   Enrollment Requirements
                                                   Declaration of Major
                                                   Awarding
                                                   Estimated Cost of Attendance
                                                   Your Award
                                                   Reporting Additional Aid
                                                   Withdrawing from Classes
                                                   Loans
                                                   Federal Work Study (FWS)
                                                   University Scholarships
                                                   Maintaining Eligibility
                                                   Disbursement of Your Financial Aid


          Please note that your entire Financial Aid Award is subject to change based on Federal and State Funding.

If funds are not available or if it is determined that you are no longer eligible for a fund awarded to you, the Office of
Financial Aid is NOT liable for any changes or errors in your award.

By accepting your award you agree to and acknowledge the Terms & Conditions set forth in this document. The award offered to
you is based on the results of your Free Application for Federal Student Aid (FAFSA) and other information that you may have
provided. Awards are subject to change based on Federal and State funding.

Please note that your entire Financial Aid Award is subject to change based on Federal and State Funding.

Enrollment Requirements
Your financial aid is awarded based on the assumption that you will be enrolled full-time. Full-time status is a minimum of 12 credit
hours (three-quarter-time is 9-11 hours and half-time is 6-8 credit hours). Enrollment status is the same for every semester. Most
financial aid awards require at least half-time attendance and many programs require full-time attendance to remain eligible. If by the
end of the drop/add period you are not enrolled as a full-time student, your aid is subject to change.

To view the specific requirements for each award please check our Programs At A Glance.

Declaration of Major
A student must declare a Major upon reaching sixty (60) credit hours to remain eligible for financial aid.

A student may complete an Intent of Declaration of Major form if prerequisites are still required. This will allow the student to have
ONE additional semester of financial aid eligibility. If the prerequisite is offered in the current term the student is required to take
the course at that time, or will lose eligibility until a Declaration of Major is declared.

 Awarding
The UNC Asheville Office of Financial Aid has a broad program of financial aid for students who qualify on the basis of need and
academic potential. Financial aid may consist of a scholarship (institutional or private), federal grant, NC state grant, loan, campus
employment or a combination of the these.



                                                                                                                                     14
All aid (except Unsubsidized Stafford Loans) is based on the gross financial need that a student has as determined by The Estimated
Cost of Attendance minus the FAFSA's calculated Expected Family Contribution (EFC). Once a student's gross financial need has
been met only then will Unsubsidized Stafford loans be awarded. Learn more about how each program is awarded on the Programs
at a Glance.

Estimated Cost of Attendance
It is important to understand that the Estimated Cost of Attendance is not the amount that you are expected to pay to the university.
Rather it is a budget that determines the amount of aid a student may potentially receive.

The Estimated Cost of Attendance includes both direct costs (Tuition/Fees and Room & Board for on campus students) and indirect
costs. These indirect costs are items not paid directly to the university (e.g. books, transportation and personal expenses).

The Estimated Cost of Attendance will not be incresed to cover surcharges.

Your Award
The award delineates the maximum amount of available aid for which you are eligible.

When you receive your award you should do the following:

Make sure that your award lists all of your aid or funding sources that you believe you should have been awarded. The award should
include outside loans, institutional scholarships, outside scholarships, vocational rehabilitation benefits, tuition waivers, merit
awards, or fellowships, etc. If your award does not list all of your aid or funding, you must notify us in writing immediately, since
your award may need to be revised.

For specific information about each fund awarded to you be sure to go to our Programs At A Glance.
If you have been offered a loan, you must Decline or Accept your loan.

You will also need to complete Entrance Counseling and a Master Promissory Note if this is your first Stafford loan at UNC
Asheville.

Make sure that you were awarded for the correct semesters (Fall/Spring). If you are attending only one semester, your award should
be based only on that semester. Notify the Office of Financial Aid immediately if you need to report enrollment changes. You will
then receive revised award information via your OnePort account.

UNC Asheville reserves the right to reduce or cancel your awards at anytime. Revisions/Cancellation may result from changes in
admission status, enrollment, classification, residency, housing status, changes in the availability of funds, or receipt of other awards.


Reporting Additional Aid
As stated above, any financial aid not included on your award letter must be reported to the UNC Asheville Office of Financial Aid.

Federal regulations prohibit any student from receiving more financial aid than their estimated cost of attendance. The regulations
also state that a student may not receive need-based aid that exceeds their calculated financial need (estimated cost of attendance
minus the expected family contribution (EFC) as determined by the FAFSA).

Your financial aid is subject to change when we are notified of additional resources after you have been awarded. You may review
any changes made to your award through your OnePort account.

Withdrawing from Classes
If you withdraw from a class after the drop/add period, this could have an affect on your Satisfactory Academic Progress (review the
section on "Completion Ratio").

If you withdraw from all of your classes in a given semester you are still subject to our Satisfactory Academic Progress Policy. In
addition, if you totally withdraw or stop attending all classes before completing more than 60% of the term, a portion of the total
federal aid you received, excluding Federal Work Study earnings, may need to be repaid immediately. You will be notified within 45
days of your official withdrawal date regarding the amount owed.

Loans

Based on the information provided by the FAFSA, the Office of Financial Aid will award you the loans for which you qualify.
Undergraduate students must be enrolled in at least 6 credit hours. Graduate students at least 5 hours.
                                                                                                                                       15
Federal Direct Subsidized Loan

Subsidized Loans are awarded on the basis of financial need as determined by the FAFSA. The Federal government pays the
borrower’s accrued interest while the student is enrolled at least half-time, thereby “subsidizing” these loans. Repayment will begin
6 months after the student graduates or is no longer registered for at least 6 hours for undergraduates and 5 hours for graduate.

Federal Direct Unsubsidized Loan

When awarded the Unsubsidized loan the borrower is responsible for accrued interest throughout the life of the loan. Repayment
will begin 6 months after the student graduates or is no longer registered for at least 6 hours for undergraduates and 5 hours for
graduates. All unsubsidized loans for the 2011-2012 Academic Year have a 6.8% interest rate.

Type of Loan                                                        Interest Rate
Direct Subsidized Stafford
Undergraduate                                                       3.4%
Graduate                                                            6.8%
Direct Unsubsidized Stafford                                        6.8%
Direct PLUS                                                         7.9%
Federal Perkins                                                     5.0%

In order for the UNC Asheville Office of Financial Aid to process your Federal Direct Loan(s) you must:

Accept your offered loans through your OnePort.
Complete your Direct Loan Counseling.
Complete your Master Promissory Note.
More information can be found on our Loans Page.

Loans that have not been accepted by the last class day of the academic year will be cancelled for no response and can not be
reinstated. The student will be responsible for any balance due to university.

Federal Work Study (FWS)

Federal Work Study (FWS) is a federally funded financial aid employment program. To be eligible, you must be an undergraduate,
full time (at least 12 hours), degree seeking student. Eligibility is based on need as determined by the Free Application for Federal
Student Aid (FAFSA) and the availability of funds at the time of awarding. FWS funds are limited and are awarded to the extent
that funding permits.

A FWS award is not a guarantee of a job. Once you have accepted your FWS award, it is your responsibility to be hired by a
department. Job postings are on the Career Center website.

Additional information may be found on the Financial Aid FWS page.

Federal Work Study awards are limited by the amount of federal funds UNC Asheville is allocated from the federal government. It is
your responsibility to find a FWS job. The Career Center will begin posting jobs the first week of the fall semester. You should
begin your search as soon as the jobs have been posted in August. There may not be enough jobs for all those that want to work.
Therefore, this award does not guarantee that you will receive these funds.

If you were not awarded FWS and you are interested in the program, please speak with a financial aid counselor to be placed on a
waiting list.

You may read more on our FWS Page.




                                                                                                                                     16
University Scholarships
Laurels Scholarship

The Laurels Scholarship is the universal name for the entering freshmen scholarship here at UNC Asheville. Your award letter will
show that you have been awarded "Laurels". Eventually, "Laurels" will show as cancelled and will be replaced with an actual
scholarship name.

After each scholarship has been renamed, the UNC Asheville Office of Financial Aid requires each recipient to write a Thank You
Letter to their specific donor. The UNC Asheville Office of Financial Aid will provide you with the exact name of your scholarship,
your donor, and stationary to write your letter.

*IMPORTANT* Scholarships are not renewable if a student withdrawals and then returns to complete their degree.

You must maintain a 3.0 grade point average each semester and be enrolled full-time to remain eligible for the Laurels Scholarship
or any other University Scholarship.

Departmental Scholarship

If the department of your major has awarded you a scholarship, you are required to write a Thank You Letter to your donor. The
UNC Asheville Office of Financial Aid will provide you with the exact name of your scholarship, your donor, and stationary to write
your letter.

You must maintain a 3.0 grade point average each semester and be enrolled full-time to remain eligible for the any Departmental
Scholarship(s). Student’s in their last semester may be enrolled less than full time but not less than half time and must have applied
for graduation in that term.

*IMPORTANT* Scholarships are not renewable if a student withdrawals and then returns to complete their degree.

Maintaining Eligibility
To remain eligible to receive financial aid in subsequent semesters, you must be maintaining Satisfactory Academic Progress.

Your Satisfactory Academic Progress is re-calculated each semester after grades have been posted. It is your responsibility to read
and understand the Satisfactory Academic Progress Policy and to check your status at the end of every semester via OnePort. If you
have questions regarding this policy, please come in and see a financial aid counselor.

Disbursement of Your Financial Aid
When all requirements have been met, your financial aid will disburse into your student account here at UNC Asheville. Financial
aid does not disburse until 10 days prior to the start of the term.

Financial aid funds will pay tuition, fees, contracted room and board (where applicable), and other related educational expenses,
including, but not limited to, charges from Health Services, the Library, The Housing Office, and Campus Police (books are not
included). If all charges have been paid and a credit results, remaining funds will be returned to the student via a refund check.

Refund checks will not be available before the first day of each semester. The Cashier's Office will notify you by email when your
check is available to be picked up.

The financial aid is disbursed based on your enrollment at that time. If you have received financial aid and are not enrolled full time,
your aid will be reviewed and possibly adjusted after drop/add. If you are planning on dropping classes and/or being enrolled part
time (less than 12 hours) please do not cash or spend your financial aid refund and contact the Financial Aid Office for them to
review your financial aid award based on your anticipated part time enrollment status.

PLEASE NOTE:

The Financial Aid Office sends all communication to your UNC Asheville e-mail address. It is your responsibility to keep your
UNC Asheville e-mail account active and to check your messages frequently.

Be sure to file a renewal FAFSA each academic year to continue receiving financial aid. The priority filing deadline is March 1st to
be considered for all types of aid.


                                                                                                                                     17
                                                        Applying for Loans

To receive Federal Loans you must complete the FAFSA. Your award only indicates your eligibility for loans. You may accept
decline or reduce your loan through your One Port Account. Once you accept or reduce your loans first time borrows must complete
entrance counseling & a Master Promissory Note at www.studentloans.gov . Unless these requirements are completed you will not
receive any funds from loans. You must Accept or Decline your loan promptly.


Complete Your MPN on Line
When completing the MPN online at www.studentloans.gov , make sure to have your FAFSA PIN (personal identification number)
ready. If you do not have or remember your PIN go to www.pin.ed.gov to request one.


Entrance Counseling
If the Student borrows Federal Loans, you must complete loan counseling. UNC Asheville now requires students to complete
Federal Direct Loan Entrance Counseling on line at www.studentloans.gov .

Federal Direct PLUS Loans
Parent borrowers must complete a PLUS Loan Application at www.studentloans.gov each academic year that the parent wishes to
borrow the loan. You will need a Federal PIN to complete this process online. If you do not have or remember your PIN go to
www.pin.ed.gov to request one.
After the Office of Financial Aid receives notification of approval for the Parent Plus loan the amount requested will be added to the
student’s award.
The Parent will need to complete a Statement of Understanding form located at the forms section of the Financial Aid Page
http://www.unca.edu/financialaid. This form will allow you to indicate if a refund is created by the Plus loan who the refund should
go to Parent or Student.

If, during the application process, the borrower is denied the PLUS Loan the student could be eligible to receive extra unsubsidized
loan funds. The student will need to complete the loan adjustment form to request the additional loan funds. This form is located at
the form section of the Financial Aid Page. http://www.unca.edu/financialaid

Award Revisions
        Your award may require revision, often due to additional information or outside aid received. If this is the case, any revised
award overrides any previous offer of aid. This sometimes means that you may have to repay funds that were already disbursed to
you.


                                                     Outside Scholarships
         As soon as you learn that you will receive an outside scholarship (an award from a high school, a local civic club or church,
educational foundation, etc.), you must notify the Office of Financial Aid in writing of the scholarship’s name and the amount of the
award. Endorse, if necessary, any outside scholarship check you receive and forward it to the Office of Financial Aid.
Donors should forward checks directly to UNC Asheville. Please instruct your donor to send your check to the UNC Asheville
Office of Financial Aid (see address on page 1), and to include on the scholarship check:

        The name of the scholarship
        The student’s complete legal name and Student ID
        The term(s) for which the award is made

         Unless the donor provides other instructions, the amount of the scholarship check will be divided and applied to your
account equally for the Fall and Spring semesters.
         The Office of Financial Aid adds the amount of the scholarship to your award and then forwards them to the Cashier’s
Office for disbursement to your student account. Checks payable to the student only, or co-payable to both the University and the
student, will require endorsement. The Cashier’s Office will notify you if they require a signature on a scholarship check. Checks
payable to UNC Asheville only are automatically credited to the student’s account.
         Please note that if a student with an outside scholarship withdraws from the university UNC Asheville may return funds to
the outside donor.




                                                                                                                                   18
                                                           Pay Your Bill
         The UNC Asheville Cashier’s Office e-mails bills in July (for Fall semester) and in November (for Spring semester) to
students who have pre-registered. Your bill will also be available on OnePort. If you have questions about your bill, contact the
Cashiers Office at (828) 251-6664. You will receive a separate bill for each semester’s tuition and fees. You must pay the amount
due before the deadline or your classes will be canceled. You are required to pay the remaining balance created by the difference
between the Bill and the Financial Aid you will be receiving. Students who pre-register and do not receive a bill should contact the
Cashiers Office. Balances owed from prior terms must be paid or your classes will not be confirmed.
         Fall semester bills are due in July. Spring semester bills are due in early December. Contact the Cashier’s Office at
(828) 251-6664 for exact dates.
         Read your bill carefully and follow all instructions. All prior-semester unpaid charges will appear on your bill. These prior
charges must be paid before you can re-enroll. On-campus students will also be billed for housing and meal plans. Note: If you do
not pre-register, a bill will not be e-mailed to you. You can print out a copy of your fee assessment from OnePort.

Deferring Your Bill
         Even though you must pay your bill before the semester begins, your funds cannot be disbursed at that time. Funds cannot
be disbursed until the semester begins. However, certain types of Financial Aid can be used to defer part or all of your charges.
Your bill should show that your deferrable aid has been subtracted from your charges, as long as you have been awarded and
completed the necessary paperwork before the bill was printed. To see what you owe or if you are confirmed for a particular
semester, please visit the OnePort website at www.unca.edu.
         It is very important that you complete the Financial Aid application process and all necessary paperwork before bills are
printed. Otherwise, your deferrable aid will not be listed and you will be required to pay the bill in full.
         Some types of Financial Aid are non-deferrable and will not be subtracted from the charges on the bill. Non-deferrable aid
includes but is not limited to: outside scholarships for which funds have not been received, and military aid or benefits.
         Even though your bill may show deferrable aid subtracted from your charges, the aid is not actually credited to your student
account until the funds are received and the semester begins. Changes to your award may occur during this time period. Be sure to
check OnePort often to be sure your account is current. Refer to our “Terms & Conditions”
(http://www.unca.edu/financialaid/terms-and-conditions) for important requirements you must meet before funds may be applied to
your account.

                                                      Receive Your Funds
         If you have successfully completed the steps above, Financial Aid is generally disbursed or credited to your student account
at the beginning of the semester. If your Financial Aid funds exceed your charges, you will receive a refund check for the difference
typically available the first day of classes* in the Cashiers Office if all requirements have been met.
         Be aware that it is your responsibility to pay for your books at the beginning of the semester, even if you have not yet
received a refund check.
         Some types of Financial Aid (certain state awards, outside loans, etc.) are not electronically transmitted and require that you
sign a paper check before funds are applied to your account. You will receive notification from the Cashiers Office alerting you that
your signature is required. Many aid checks are valid only for a limited amount of time. Respond to a notice from the Cashiers
Office right away. You must bring a picture ID with you in order to sign your check(s). Please be aware that disbursement
procedures may change after the printing of this Handbook. Contact the Cashier’s Office at (828) 251-6664 with questions.




Disbursement of Aid
         You may be required to repay funds to UNC Asheville if your Financial Aid is disbursed and then you reduce your total
credit hours before the last day of the drop/add period.

Non-disbursement and Aid Repayment
Your aid may not be disbursed to you if any of the following apply:
    You have not accepted your aid via OnePort.
    You have not turned in all required documents (including all loan forms).
    You are enrolled less than half-time or not enrolled at all.
    You are not making Satisfactory Academic Progress.
    You have not satisfied UNC Asheville immunization requirements.

You may also be required to repay part or all of your disbursement:
        If you are awarded a Pell Grant for full-time enrollment and then at the end of the drop/add period you are enrolled for less
         than full-time, your Pell Grant will have to be recalculated. This means that you will have to repay part of your Pell Grant
         that you have already received. Recalculation can also include other forms of Financial Aid.
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        If you are awarded based on full-time enrollment and then at the end of the drop/add period you are enrolled less than full-
         time, your cost of attendance is subject to change. As a result you may have to repay part of your Financial Aid that you
         have already received. Many grants require you to be full-time and can be cancelled if you are no longer enrolled full-time.
      If you withdraw during the semester or make all F’s
If you have questions concerning disbursement and/or aid repayment, please contact Office of Financial Aid.

Return of Funds Policy: VERY IMPORTANT
          UNC Asheville has a federally mandated Return of Funds Policy that governs the return of Title IV funds disbursed to
students who completely withdraw from the University. Title IV funds include: Federal Direct Loans, Federal PLUS Loans, Federal
Perkins Loans, Federal Pell Grants, Federal Supplemental Educational Opportunity Grants (FSEOG), and Federal Work Study
(FWS) and the TEACH Grant.
          If any student completely withdraws from UNC Asheville, he or she must return unearned student aid. Unearned aid is the
amount of disbursed Title IV aid that exceeds the amount of Title IV aid earned. During the first 60% of the semester, a student
earns funds in direct proportion to the length of time he or she remains enrolled. The period of time during which a student is
enrolled is the percentage of aid earned by the student. A student who remains enrolled at or beyond the 60% point is deemed to
have earned all aid for the term. Students who have a Federal Direct Loan, subsidized or unsubsidized, and drop below half-time
status (6 credit hours) must complete the Exit Interview process at www.nslds.ed.gov for Federal Direct Loans.
          The percentage of the period that the student remained enrolled is determined by dividing the number of days the student
attended by the number of days in the entire semester. Calendar days are used in the determination of percentages. Breaks of 5 days
or longer are excluded in the calculations. If the amount of Title IV funds disbursed is greater than the amount of Title IV funds
earned by the student, a return of Title IV funds is necessary. Both UNC Asheville and the student may be responsible for returning
a percentage of the unearned aid.
          Students who find that they must withdraw from UNC Asheville should do so by filling out the appropriate paperwork.
Students who drop all courses are considered to be withdrawn from the University and must seek reactivation or readmission through
Admissions in order to return to UNC Asheville in subsequent terms.
For further clarification, please consult the UNC Asheville Return of Funds Policy available from the Cashiers Office.



                                     Special Circumstances/Professional Judgment
          In some instances, the UNC Asheville Office of Financial Aid can consider highly unusual circumstances that are not
reflected by information provided on the FAFSA. However, the Office of Financial Aid is very conservative and adheres to all
federal guidelines. We can sometimes make allowances for the death of a parent or spouse, separation of parents, separation of a
student and spouse, job loss, or similar situations. If you wish to report a special circumstance, you may obtain the proper forms and
instructions at http://unca.edu/financialaid/forms/1112. Extensive supporting documentation will be required before your
situation is reviewed. Do not send any information regarding special circumstances to the federal processor. They will not respond
to personal letters or forward the information to us.




                                         Second Undergraduate Degree Students
        Students pursuing a second undergraduate degree are limited in eligibility for Financial Aid. Typically, second
undergraduate degree students only qualify for Federal Direct Loans. However, students may qualify for scholarships through their
academic department.


                                                       Transfer Students
          Each school’s awarding process is slightly different. You are not guaranteed the same aid that you received at previous
institutions.
          If you are transferring to UNC Asheville, you must make sure that the Office of Financial Aid has received your FAFSA
information. You may update this information at www.fafsa.ed.gov or by calling the Federal Processors at 1-800-433-3243. UNC
Asheville’s school code is 002907. Make sure to cancel your Financial Aid at the institution you are transferring from so that funds
are not held there for you.

         If you are transferring from UNC Asheville, you should contact the Office of Financial Aid at the school you will be
attending.




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                                                     Federal Work Study

What is the Federal Work Study Program?

Federal Work Study (FWS) is a federally funded financial aid employment program. To be eligible, you must be an undergraduate,
full time (at least 12 hours), degree seeking student. Eligibility is based on need as determine by the Free Application for Federal
Student Aid (FAFSA) and the availability of funds at the time of awarding.

Students are awarded FWS funds as part of their financial aid award which must be earned through part time employment. Students
are notified of their works study allocation through their One Port account. Students work 10 hours per week and are paid hourly
earning of $9 per hour not to exceed your allocation.

An FWS award is not a guarantee of a job. Once you have accepted your FWS award, it is your responsibility to contact the hiring
departments for an interview. Job postings are on the Career Center website

A wide variety of jobs are available through the FWS program. FWS students are involved in almost every area of the institution.
The University also offers a limited number of off campus positions with local non-profit agencies as part of our Community Service
Learning Program these positions earn $10 an hour. These positions are designed to give the FWS student a broader work
experience while improving the quality of life for community residents.

What Happens After a Student Has Accepted FWS?

    1.  The Career Center Job Posting will list the jobs available for work study and indicate the best way to contact the employer
       (department contact). FWS job posted on the Career Center website. Remember that an FWS allocation does not guarantee
       that you will be placed in a department.
    2. Once a department has hired you, fill out the Federal Work Study Student Contract. Bring the signed contract to the Office
       of Financial Aid and keep a copy for you and your employer’s record.
    3. Before you begin work, you will need to go by Human Resources and Payroll located in Phillips Hall and complete
       pertinent hiring documentation (I-9 Form employment eligibility verification, NC-4, W-4 and if applicable the Direct
       Deposit Form).
    NOTE: Without the completion of the above items, you will not be put on the payroll and your timesheet will be rejected.


How to Get Paid on FWS

To be paid, FWS students must:

    1.   Make sure all necessary paperwork has been completed and is on file in the Human Resources and Payroll office.
    2.   The timesheet is electronic and will be available in your ONEPORT account once the contract and necessary paper work
         has been completed. Make sure you and your supervisor record work hours daily.
    3.    Once your timesheet is completed for each payroll period submit it to your supervisor for approval. The approver of the
         time sheet will approve the time sheet and submit it to payroll.
    4.    Paychecks will be direct deposited into your bank account.

    NOTE: In the event that your timesheet is not submitted on time. You will have to submit a completed paper copy of a
    late time sheet signed by you and the appropriate approver of time sheet to the Payroll Office located in Phillips Hall.


What Every FWS Student Should Know

    1.   An FWS student work 10 hours per week.
    2.   The allocation listed on your financial aid award is the amount the student may earn over the course of the academic year,
         assuming enrollment for two semesters.
    3.   Students must stop working by the last day of exams in the fall term if not returning in the spring semester. Student
         returning to the same job for the spring semester must stop working on the last day of exams in spring semester.
    4.   FWS allocations must be earned during the period in which they are awarded. Money not earned by the end of the
         academic year is forfeited.

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    5.   Students are responsible for monitoring their earnings. Should you go over your allocation; the department that you are
         working for will be responsible for the amount over your allocation.
    6. Students must stop working when their allocation is exhausted.
    7. Students are required to call their employer if they cannot work as scheduled. Failure to do so can result in termination.
         Failure to carry out job responsibilities as assigned can also result in termination.
    8. Students’ allocation and authorization to work periods are subject to change at any time due to possible funding shortfalls,
         etc.
    9. Students found to have falsified information on a time sheet are subject to disciplinary action by the university and
         termination.
Note: Students should be aware of confidentiality issues, responsibilities, policies, and procedures when working in offices on
or off campus, please speak to you supervisor about this matter.


                                              Financial Aid for Summer Session
          All students who wish to receive Financial Aid for a Summer Session must file a separate UNC Asheville Summer Session
Application by mid April. This application is available in March and is online at http://unca.edu/financial-aid/summer-financial-aid.
You must have also filed the current year’s FAFSA and completed all necessary paperwork by the mid April deadline in order to
receive an award for summer.
          Limited Financial Aid is available to students attending Summer Session at UNC Asheville. Most students can only receive
Federal Direct or PLUS loans that are based on their remaining eligibility from the current award year. You must have made
satisfactory academic progress at the end of the spring semester to be considered for summer aid and be enrolled in at least 6 credit
hours.
          For most types of aid, including federal loans, you must be enrolled at least half time. Summer Session course work is
subject to the Satisfactory Academic Progress (SAP) Policy for Financial Aid Eligibility.




                                                Study Abroad & Financial Aid
         UNC Asheville students taking courses abroad through a UNC Asheville program are generally eligible to receive Financial
Aid. Study abroad students must follow the same aid application steps as other students. If you plan to study abroad, you should
submit all required documents, including loan promissory notes, as early as possible to assure that your aid disbursement is not
delayed.
         Students participating in study abroad programs are required to select a person to act as their Limited Power of Attorney
during the time they will be abroad. This individual should have convenient access to UNC Asheville. Obtaining a Limited Power
of Attorney allows your designee to sign Financial Aid checks requiring your signature that may become available after your
departure. The Limited Power of Attorney form may be obtained from the UNC Asheville Study Abroad Office.
         Before going abroad, leave signed copies of your federal tax return, all W-2s, and 1099s with a parent or your designated
Power of Attorney in case they are requested by the Office of Financial Aid. It is your responsibility to make arrangements for
receiving your mail while you are away.

Spring and/or Summer Study Abroad
        If you plan to continue attending UNC Asheville and receiving Financial Aid for the next academic year, you will need to
make arrangements to complete the Financial Aid application process from abroad. To avoid delays in receiving your Fall semester
aid, complete the Renewal FAFSA before March 1 and respond promptly to all correspondence from the Office of Financial Aid.

Study Abroad and Satisfactory Academic Progress
         All course work taken abroad is subject to the Satisfactory Academic Progress Policy for Financial Aid Eligibility. It is the
student’s responsibility to assure that a full-time course load is successfully completed and that all credits from the host institution
are posted to their UNC Asheville transcript promptly.
         For more information regarding Financial Aid eligibility for study abroad, please contact the Office of Financial Aid. For
information about individual study abroad programs, contact the UNC Asheville Study Abroad Office at (828) 232-5037.




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                                                     Master of Liberal Arts
         Students pursuing a Master of Liberal Arts degree at UNC Asheville may be eligible for some types of Financial Aid,
including Federal Direct Loans and tuition waivers. Some certificate programs may not be eligible for aid. MLA students should
complete a FAFSA to apply for need-based or federal aid programs.
         MLA students must be enrolled in at least 5 credit hours at the 500 level or above each semester in order to be eligible for
Federal Direct Loans and for UNC Asheville to certify enrollment for a loan repayment deferment.

Semester Enrollment Requirements for Graduate Students:
    Full-time: 9 or more credit hours
    Three-Quarter: 6-8 credit hours
    Half-time: 5 credit hours

         Students taking courses through the Graduate Center who are not yet admitted into a program are not eligible to receive
federal or UNC Asheville funding. You also must be enrolled for courses that count toward your degree.
If you are classified as an undergraduate in the Fall semester and will become a graduate student in the Spring semester, you must
notify the Office of Financial Aid in writing immediately of this change. Your award will need to be revised.


                           Post-Baccalaureate (Undergraduate Second Degree Students)

A student working toward a second and subsequent baccalaureate degree will be subject to the same policies and satisfactory
academic progress requirements as listed herein for undergraduates. The maximum number of Cumulative Attempted Hours for the
completion of the second baccalaureate degree may not exceed 230 hours.




                                                                                                                                     23
                                               Financial Aid Census Date Policy

In accordance with federal regulations, the Office of Financial Aid will recalculate federal, state and institutional student aid awards
based on the student’s enrollment status as the published Census Date (Count Day) established by the Office of the Registrar. The
census date is typically the end of the 10th day of class for both fall and spring terms. (The Census Date for summer enrollment will
vary based on the length of the course(s) taken. Refer to the University Academic Calendar for those dates. All federal, state and
institutional aid will be based upon the Census Date Enrollment status.

                                        The Census Date for Fall 2011: September 2, 2011
                                        The Census Date for Spring 2012: January 23, 2012

After Census Date, students cannot request changes to their Federal Pell Grant, the Teacher Education Assistance for College and
Higher Education (TEACH) Grant, Federal Work Study, Federal Perkins Loan awards. Changes to Federal Direct Subsidized,
Unsubsidized, and PLUS loan programs are allowed only if a student wishes to decrease or decline loan(s) or increase a loan if the
student had previously declined a portion of or all of any one of these loans, as long as all other eligibility requirements are met.
Eligibility for the federal programs may be affected for students that had FAFSA information or corrections submitted after the
Census Date.

If you drop credits prior to the 10th day of class (the census date)
You may be required to repay some or all of your aid that was disbursed to you if you do not, at that time, meet the enrollment
requirements for the type(s) of aid you have been awarded.

If you add credits after the 10th day of class (the census date)
You will not be eligible to receive additional financial aid for the credit hours you add after the census date.




                                                                                                                                      24
         Satisfactory Academic Progress (SAP) Policy for Undergraduate Financial Aid Recipients

Federal regulations require all schools participating in Title IV Federal Financial Aid Programs to have a Satisfactory Academic
Progress (SAP) policy. The requirements of this policy apply to all students seeking a baccalaureate degree as one determinant of
eligibility for financial aid.

The SAP policy must measure a student's progress both qualitatively (Cumulative grade-point average (GPA)) and quantitatively
(Completion Ratio). In addition, students are also required to complete their degree requirements within a certain period of time
(Maximum Time Limit). This requirement applies to all applicants and recipients of financial aid. Financial Aid is defined as all
federal, state, and institutional aid.

For SAP purposes, student academic records are evaluated by the Office of Student Financial Aid at the end of each semester.
Students will receive one of three SAP conditions, Good, Warning or Cancelled. If aid is cancelled, the student may appeal (see
Appeal Process section). If the appeal is granted, the status will be moved to Probation. The Office of Student Financial Aid will
send notification of ineligibility to students through their official UNC Asheville e-mail account.

Students who are suspended or dismissed from the institution will immediately become ineligible for financial aid. In rare cases,
exceptions are granted through a formal appeal process (see Regaining Eligibility and Appeals sections). Students who have
withdrawn from courses in more than two semesters while receiving financial aid will not be eligible for reinstatement based on
appeal. In such cases, the student will be expected to successfully complete a full-time semester of coursework (i.e., with all passing
grades) before appealing for reinstatement.

Note: This policy is effective beginning with the 2011-2012 academic year. Returning students who left UNC Asheville prior
to implementation of this policy will be reevaluated under the new policy.

Cumulative Grade Point Average (Qualitative Measure)
Students must maintain a minimum 2.0 cumulative GPA to be eligible for financial aid. If a student's GPA falls below the minimum
2.0, the status moves from GOOD to WARNING. If the student meets the 2.0 minimum GPA requirement during the next review,
the status will be upgraded from WARNING to GOOD. However, if the student does not reach the 2.0 minimum, the status will
move from WARNING to CANCELLED. When in CANCELLED status, the student is not eligible for federal Title IV, state or
institutional aid.

Students will regain financial aid eligibility and move the status back to GOOD if their cumulative GPA improves to at least a 2.0.
Some institutional scholarships or grants may require a higher academic achievement than those defined by the Satisfactory
Academic Progress criteria. Private aid offered by agencies outside the University is not subject to the conditions of this policy, but
will be administered according to donor specifications.

Completion Ratio (Quantitative Measure)
UNC Asheville recommends students earn at least 30 semester hours per academic year in order to graduate in four years. To remain
eligible for financial aid, students must earn at least 67% of the total cumulative hours attempted. Attempted hours include all
credits accepted in transfer as well as those attempted at UNC Asheville.

Students must receive grades of A, B, C, D (including “+/-”), or S to earn hours.

Student academic records are evaluated at the end of each academic term (fall, spring and summer). If the student's cumulative
earned hours fall below the 67% completion ratio, the status moves from GOOD to WARNING. If the student meets the 67%
completion requirement at the end of the next semester review, the status will be upgraded from WARNING to GOOD.

However, if the student does not earn at least 67% of the total cumulative hours attempted, the status will move from WARNING to
CANCELLED. When in CANCELLED status, the student is not eligible for federal Title IV, state or institutional aid. Students will
regain financial aid eligibility and move the status from CANCELLED to GOOD if their completion ratio improves to at least 67%.

For financial aid purposes, the following are not included as part of the cumulative earned hours at UNC Asheville; however, they
are included in the attempted hours.

• Grades of F, I, IP, U, W or X/Y (audit) do not earn hours.
• Audited courses (X/Y) count toward attempted hours but not toward earned hours. Therefore, auditing classes may negatively
affect the student's ability to earn the required number of hours.



                                                                                                                                      25
• If a student repeats a course, the total attempted hours will increase with each repeat, but the student will only earn hours for a
successfully completed course once. Repeating courses may negatively affect the student’s ability to satisfy the Completion Ratio
standard.
• Incomplete grades (I) count toward attempted hours but will not count toward earned hours until the I grade is replaced by a grade
that contributes to earned hours.
• In-Progress grades (IP) count toward attempted hours but will not count toward earned hours until the IP grade is replaced by a
grade that contributes to earned hours.

Federal regulations have amended the definition of a full-time student to allow repeated coursework to count toward enrollment
status in term-based programs. Students may repeat a previously passed course once and be paid with Title IV aid accordingly.
Students may also repeat a failed course until it is passed and be paid. However, as stated above, grades of “F” do not count as
earned hours. Repeating any coursework may ultimately impact a student’s maximum time limit, GPA and completion ratio as it
relates to Title IV eligibility.

Maximum Time Limit Measure
To remain eligible for financial aid, undergraduate students seeking their first degree must complete their requirements within 150 %
of the published length of their academic program. This includes students who are seeking more than one major. Most UNC
Asheville programs require no more than 120 semester hours for graduation. Therefore, students seeking a first baccalaureate degree
must complete their requirements within 180 attempted hours to remain eligible for financial aid. If it is determined that a student
will go over 180 hours in a given semester, the student will NO longer be eligible to receive additional federal, state or institutional
aid.
In addition, if a Satisfactory Academic Progress (SAP) review shows that the student has surpassed the 120-hour minimum
requirement (100%) and will not complete his or her program within 180 credits (150%), ALL Title IV aid must stop.

Students will not be eligible for federal or state aid once they exceed the Maximum Time Limit, even if they have not graduated.

Satisfactory Academic Progress for Post-Baccalaureate Students
Students seeking a second undergraduate degree are subject to the same (SAP) requirements as listed above for students seeking
their initial baccalaureate degree. Post-Baccalaureate students can only receive federal funding for up to 230 hours institutional and
transfer hours combined.

Satisfactory Academic Progress for Study Abroad Students
Students who participate in study abroad during any term will be evaluated for SAP at the end of the term. If transcripts are not
received by the end of the term, students will be on WARNING status for one semester. If transcripts are still not received by the
review time for the following term, aid will be CANCELLED. If this happens, students will be required to follow the SAP appeal
process to have aid reinstated. Students must complete at minimum 67% of the hours attempted.

Financial Aid Warning
Financial Aid WARNING status will be assigned at the end of the semester to students who fail to make SAP. Students under
WARNING status may continue to receive Title IV aid for one payment period. No appeal is required.

If at the end of the one payment period the student is still not making SAP, an appeal will be required. The appeal must be approved
by the SAP Appeal Committee in order for the student to continue to receive Title IV Aid. Students should be prepared to pay until
the appeal is considered and a decision rendered.

All “F” Grades or Zero GPA
Students receiving all F grades, or having a zero GPA in one semester, will have their status moved directly to CANCELLED
without a semester of WARNING. Until the required hours are earned or the GPA requirement is met, the student is responsible for
all charges due to the university.

Students in this situation will be required to pay for one semester even if they are meeting all other SAP requirements. They will also
be required to submit an Academic Plan for review by the SAP Committee and the Enrollment Services Committee.

IMPORTANT GRADUATION NOTICE
If you qualify for graduation but made a personal decision NOT to formally graduate, then you are no longer entitled to receive
Federal Title IV Aid. Federal Title IV aid includes Pell grants, State grants and Federal Student Loan programs (Subsidized,
Unsubsidized, PLUS).



                                                                                                                                     26
DOUBLE MAJOR(S)
If you qualify for graduation in a particular major but made a personal decision to double major, you are no longer entitled to receive
Federal Title IV Aid. Federal Title IV aid includes Pell grants, State grants and Federal Student Loan programs (Subsidized,
Unsubsidized, PLUS). Also, if you are working on a minor, you must complete the minor course requirements within the 120 credit
hours required for your major.

Regaining Eligibility for Financial Aid
If students lose eligibility to receive financial aid because they do not meet the qualitative and/or quantitative measures, they can
regain eligibility by:

• raising their cumulative GPA by taking courses and earning hours at UNC Asheville. These courses cannot be taken at other
institutions.
• successfully completing a minimum of 67% of the attempted coursework at UNC Asheville.

Once the Maximum Time Limit has been exceeded, students are not be eligible for federal or state aid, even if they have not
graduated.


SATISFACTORY ACADEMIC PROGRESS APPEAL PROCESS
Students whose financial aid was cancelled due to GPA and/or completion ratio standards may be eligible to appeal for
reinstatement. If one of the following circumstances exists, students should submit a completed Satisfactory Academic Progress
Appeal Form, providing the required documentation. Appeals submitted without proper documentation will be denied.

• Death in the family
• Medical Illness (Personal/Immediate family)
• Loss of a job
• Divorce or Separation

Students with chronic conditions are responsible for properly balancing work with known chronic conditions, and appeals for more
than one waiver will not be considered.

Students seeking to re-establish financial aid eligibility remain ineligible to receive financial aid assistance or deferment of payment
until the appeal process is complete and a decision has been made by the SAP Appeal Committee. Students should be prepared to
pay until the appeal is reviewed and a decision rendered.

Submitting an appeal with the required documentation does not guarantee that the appeal will be approved. The documentation will
be reviewed by the SAP Appeal Committee and a decision will be made at that time. Notification regarding the decision of the
appeal will be sent to the student’s UNC Asheville email address.

Steps for Appealing
1. Complete the UNC Asheville Satisfactory Academic Progress Appeal form, available at http://www.unca.edu/financialaid/.
2. Attach a personal letter, describing in detail the extenuating circumstances that prevented you from maintaining Satisfactory
Academic Progress, and what steps you intend to take to assure that you will maintain SAP in the future.
3. Submit the SAP Appeal form and all of the required documentation to the UNC Asheville Office of Financial Aid. Acceptable
documentation for the appeal is as follows:

• For Death of Immediate Family Member: A copy of the Death Certificate or newspaper clipping that states your relationship to the
deceased.
• For Illness: Statement from physician explaining the type of illness and the date and length of the illness.
• Other: proper documentation surrounding the circumstances.

Appeals must be received in the Financial Aid Office 30 days prior to the start of the semester for which you are trying to establish
eligibility. Students appealing after this time frame should be prepared to pay for the semester expenses. If the appeal is granted,
students cannot submit appeals for other semesters citing the same extenuating circumstances. Students whose appeals are approved
will be placed on PROBATIONARY status.

Financial Aid Probation
The PROBATIONARY status is assigned by UNC Asheville’s Office of Financial Aid to all students who fail to make SAP, and
who have appealed and had eligibility for Title IV aid reinstated. UNC Asheville’s Office of Financial Aid may impose conditions
                                                                                                                                        27
for student’s continued eligibility to receive Title IV aid. If the Financial Aid Office chooses not to impose conditions for a student’s
continued eligibility, the student may receive aid for one additional payment period. If at the end of the unconditional payment
period the student still fails to make SAP, all Title IV aid will be canceled until the student can regain SAP standards. No additional
appeals will be granted. The student should be prepared to pay until SAP is obtained. After Financial Aid Probation, the student must
be making SAP or must be successfully following an academic plan. There are no exceptions to this condition.

Denied Appeals
If the appeal is denied by the SAP Appeal Committee, and students wish to pursue it further, they may appeal to the Enrollment
Services Advisory Committee. If the appeal is denied by one or both committees, students must pay for the semester expenses until
satisfactory academic progress is reestablished.
If SAP wasn’t maintained due to a deficiency in hours (quantitative measure), students may take courses at another institution as
long as UNC Asheville will accept the courses in transfer. This process must first be approved by the Office of the Registrar at UNC
Asheville.

If the deficiency is due to GPA (qualitative measure), any additional courses must be taken at UNC Asheville since the GPA is
calculated using only UNC Asheville courses.
After completing the semester being used to reestablish SAP, students must submit another appeal form to The Office of Financial
Aid as outlined above in Steps for Appealing.

Title IV Refund Repayment
UNC Asheville has a federally mandated Return of Funds Policy that governs the return of Title IV funds disbursed to students who
completely withdraw from the University. If a student completely withdraws, he or she must return unearned student aid. Funds are
earned in direct proportion to the length of time a student remains enrolled each semester. If the amount of Title IV funds disbursed
is greater than the amount of funds earned by a student, a return of funds is required. Both the University and the student are
responsible for returning a percentage of the unearned aid.

Graduate Students SAP
Graduate students must maintain a cumulative grade point average of 3.0 or better and is not able to withdraw from any classes to
remain eligible for financial aid. Graduate students do not receive a WARNING period.

Teacher Licensure and Certification
Teacher Licensure students should follow the same SAP policy as an undergraduate student (see above).




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                                                       Terms and Conditions

Once you have reads these Terms and Conditions, please navigate back to your OnePort account and accept the Terms and
Conditions on the "Terms and Conditions" tab. Then you MUST click on the "Accept Award Offer" tab AND accept/decline each
award offer. This is a two step process.

By accepting this award you agree to and acknowledge the Terms & Conditions set forth in this document. The award offered to you
is based on the results of your Free Application for Federal Student Aid (FAFSA) and on the assumption that you will be enrolled
full-time. Full-time status is 12 hours for undergraduates and 9 credit hours for graduate students, in courses leading to your degree
program. To be eligible for most financial aid you must be enrolled and maintain at least half time status, 6 for undergraduates and 5
for graduates. If by the end of the census date you are not enrolled as a full-time student, your aid is subject to change.

To view specific requirements for each award, please view Programs at a Glance.

Please note that your entire Financial Aid Award is subject to change based on Federal and State Funding.

Enrollment Requirements
Your award is based on the assumption that you will be enrolled full-time. Full-time status is 12 hours for undergraduates and 9
credit hours for graduate students, in courses leading to your degree program. To be eligible for most financial aid you must be
enrolled and maintain at least half time status, 6 for undergraduates and 5 for graduates. If by the end of the census date you are not
enrolled as a full-time student, your aid is subject to change.

To view specific requirements for each award, please view Programs at a Glance.

Awards are subject to change based on Federal and State funding.

Repeated Coursework
34 CFR 668.2: Amends definition of full-time student to allow repeated coursework to count toward enrollment status in term-based
programs.

        Students may repeat previously passed course only ONCE and receive financial aid.
        Students may repeat a failed course(s) until it is passed and receive financial aid

Declaration of Major
A student must declare a Major upon reaching sixty (60) credit hours to remain eligible for financial aid.
A student may complete an Intent of Declaration of Major form if prerequisites are still required. This will allow the student to have
one additional semester of financial aid eligibility. If the prerequisite is offered in the current term the student is required to take the
course at that time, or will lose eligibility until a Declaration of Major is declared.

Estimated Cost of Attendance
It is important to understand that the Estimated Cost of Attendance is not the amount that you are expected to pay to the university.
Rather it is a budget that determines the amount of aid a student may potentially receive.
The Estimated Cost of Attendance includes both direct costs (Tuition/Fees and Room & Board for on campus students) and indirect
costs. These indirect costs are items not paid directly to the university (e.g. books, transportation and personal expenses).
The Estimated Cost of Attendance will not be increased to cover surcharges.

Your Award
The award is the maximum amount of available aid for which you are eligible.
When you receive your award you should do the following:

•        Make sure that your award lists all of your aid or funding sources that you believe you should have been awarded. The
         award should include outside loans, institutional scholarships, outside scholarships, vocational rehabilitation benefits,
         tuition waivers, merit awards, or fellowships, etc. If your award does not list all of your aid or funding, you must notify us
         in writing immediately, since your award may need to be revised.
•        For specific information about each fund awarded to you be sure to go to our Programs At A Glance.
•        If you have been offered a loan, you must Decline or Accept your loan.
•        You will also need to complete Entrance Counseling and a Master Promissory Note if this is your first Stafford loan at UNC
         Asheville


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•        Make sure that you were awarded for the correct semesters (Fall/Spring). If you are attending only one semester, your
         award should be based only on that semester. Notify the Office of Financial Aid immediately if you need to report
         enrollment changes. You will then receive revised award information via your OnePort account.

UNC Asheville reserves the right to reduce or cancel your awards at anytime. Revisions/Cancellation may result from changes in
admission status, enrollment, classification, residency, housing status, changes in the availability of funds, or receipt of other awards.


Reporting Additional Aid
As stated above, any financial aid not included on your award letter must be reported to the UNC Asheville Office of Financial Aid.
Federal regulations prohibit any student from receiving more financial aid than their estimated cost of attendance. The regulations
also state that a student may not receive need-based aid that exceeds their calculated financial need (estimated cost of attendance
minus the expected family contribution (EFC) as determined by the FAFSA).

Your financial aid is subject to change when we are notified of additional resources after you have been awarded. You may review
any changes made to your award through your OnePort account.

Withdrawing from Classes
If you withdraw from a class after the drop/add period, this could have an affect on your Satisfactory Academic Progress (review the
section on "Completion Ratio").

If you withdraw from all of your classes in a given semester you are still subject to our Satisfactory Academic Progress Policy. In
addition, if you totally withdraw or stop attending all classes before completing more than 60% of the term, a portion of the total
federal aid you received, excluding Federal Work Study earnings, may need to be repaid immediately. You will be notified within 45
days of your official withdrawal date regarding the amount owed.

Loans
If you have not accepted your loans by the last class day for the academic year the loan offer will be cancelled for no response and
can not be reinstated. The student will be responsible for any balance due to university.

In order for the UNC Asheville Office of Financial Aid to process your Federal Direct Loan(s) you must:
•        Accept your offered loans through your OnePort.
•        Complete your Direct Loan Counseling.
•        Complete your Master Promissory Note.

More information can be found on our Loans Page.

Federal Work Study (FWS)
The Career Center will begin posting jobs the first week of the fall semester. It is your responsibility to find a FWS job, and you
should begin your search as soon as the jobs have been posted in August. This award does not guarantee that you will receive a
position.

If you were not awarded FWS and you are interested in the program, please speak with a financial aid counselor.

You may read more on our FWS Page.

University Scholarships
Laurels Scholarship
The Laurels Scholarship is the universal name for the entering freshmen scholarship here at UNC Asheville. Your award letter will
show that you have been awarded "Laurels". Eventually, "Laurels" will show as cancelled and will be replaced with an actual
scholarship name.

After each scholarship has been renamed, the UNC Asheville Office of Financial Aid requires each recipient to write a Thank You
Letter to their specific donor. The UNC Asheville Office of Financial Aid will provide you with the exact name of your scholarship,
your donor, and stationary to write your letter.

You must maintain a 3.0 grade point average each semester and be enrolled full-time to remain eligible for the Laurels Scholarship
or any other University Scholarship.


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Departmental Scholarship
If the department of your major has awarded you a scholarship, you are required to write a Thank You Letter to your donor. The
UNC Asheville Office of Financial Aid will provide you with the exact name of your scholarship, your donor, and stationary to write
your letter.

You must maintain a 3.0 grade point average each semester and be enrolled full-time to remain eligible for the any Departmental
Scholarship(s).

Maintaining Eligibility
To remain eligible to receive financial aid in subsequent semesters, you must be maintaining Satisfactory Academic Progress.
Your Satisfactory Academic Progress is re-calculated each semester after grades have been posted. It is your responsibility to read
and understand the Satisfactory Academic Progress Policy and to check your status at the end of every semester via OnePort. If you
have questions regarding this policy, please come in and see a financial aid counselor.

Disbursement of Your Financial Aid
When all requirements have been met, your financial aid will disburse into your student account here at UNC Asheville. Financial
aid does not disburse until 10 days prior to the start of the term.

Financial aid funds will pay tuition, fees, contracted room and board (where applicable), and other related educational expenses,
including, but not limited to, charges from Health Services, the Library, The Housing Office, and Campus Police (books are not
included).

If all charges have been paid and a credit results, remaining funds will be returned to the student via a refund check.

Refund checks will not be available before the first day of each semester. The Cashier's Office will notify you by email when your
check is available to be picked up.

The financial aid is disbursed based on your enrollment at that time. If you have received financial aid and are not enrolled full time,
your aid will be reviewed and possibly adjusted after drop/add. If you are planning on dropping classes and/or being enrolled part
time (less than 12 hours) please do not cash or spend your financial aid refund and contact the Financial Aid Office for them to
review your financial aid award based on your anticipated part time enrollment status.

PLEASE NOTE:
The Financial Aid Office sends all communication to your UNC Asheville e-mail address. It is your responsibility to keep your
UNC Asheville e-mail account active and to check your messages frequently.

Be sure to file a renewal FAFSA each academic year to continue receiving financial aid. The priority filing deadline is March 1st to
be considered for all types of aid.




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