Private or outside scholarships may help you with your college expenses. Most high schools and colleges have resources (books,
fliers and computer programs) regarding privately funded scholarships. Various businesses, clubs and nonprofit corporations
sponsor these scholarships. Each organization has its own deadline and application requirements. To research scholarships, see our
website at www.whitworth.edu/financialaid/ and visit www.fastweb.com.
Be sure that the financial-aid office knows that you are receiving outside scholarships, since they must be included as part of
your financial aid for the academic year. Please report outside scholarships using the online form found at www.whitworth.edu/
financialaid/forms. Outside scholarships should appear on your financial-aid award notice as “Outside Scholarships Expected” or
“Outside Scholarships Funded” and will be totaled if you have more than one.
Any scholarships and grants that you receive above and beyond tuition, fees, books and supplies may be taxable. For more
information, go to www.irs.gov.
Whitworth will consider reported outside scholarships as a resource to help pay your college costs when determining what your
payment(s) will be. If you have reported an outside scholarship and you do not receive the funds as you anticipated, or if you
use the funds for expenses other than your billable costs at Whitworth, you are responsible for the resulting unpaid portion of
Scholarship funds are placed in the student’s account for fall term unless we are instructed by the donor to split the funds equally
between terms. In contrast, church scholarships are always split between semesters equally, unless specified otherwise by the
For the 2008-09 academic year we are pleased to offer you the enclosed financial-aid award.
Please review both the award and this brochure. Feel free to call us with any questions.
Whitworth is one of the best higher-education values in the western U.S. and is a great investment for students seeking to
prepare for successful careers and lives that make a difference in the world. As your financial-aid staff, we will partner with
you to assist you in managing your education costs.
• Your award is based on the housing arrangement on your award notice. If this is incorrect, please contact our office so that
your award and budget can be corrected.
• Federal and state grant funds are still subject to change. Revised award notices will be sent when applicable.
• If there is an additional financial-aid form enclosed with your award letter, please complete and return the form or forms
at your earliest convenience. Receipt of the item(s) is necessary before your financial-aid award can be finalized. You can
track what has been submitted and what is needed for your financial-aid file on our website, through WhitNet.
To obtain assistance with the financial-aid process at Whitworth, feel free to contact your financial-aid staff. If you have
special circumstances that have not been taken into account, please call our office for further guidance or visit our forms
The Whitworth Financial Aid Office staff welcomes your questions. Our standard office hours are Monday through page at www.whitworth.edu/financialaid/forms for information.
Friday, 9 a.m.-5 p.m. We are open during the lunch hour. If you have questions, please call or e-mail the appropriate
• Financial Aid Office 509.777.3215, 800.533.4668 firstname.lastname@example.org Financial-aid staff Phone number
• Admissions Office 509.777.3212, 800.533.4668 email@example.com Wendy Olson ....................................................................................................................... 509.777.4306
• Student Accounting Services 509.777.3209, 800.535.4668 firstname.lastname@example.org Nancy Morlock.................................................................................................................... 509.777.4378
Traci Stensland .................................................................................................................... 509.777.4335
• Housing Office 509.777.3250 email@example.com
David Barnes ....................................................................................................................... 509.777.4309
• Whitworth Federal Perkins/Institutional Loan Office Lori Johnson ........................................................................................................................ 509.777.4234
Ask for the Perkins Loan Office. 509.777.4323, 800.535.4668 firstname.lastname@example.org
John Breneman.................................................................................................................... 509.777.4836
• Student Employment Office 509.777.4707 email@example.com
Whitworth does not discriminate in its educational programs on the basis of race, color, age, religion, sex, national origin or physical disability.
Whitworth Communications Office, February 2008
What are my responsibilities as a recipient of financial aid?
• Enroll in and maintain the credit load upon which your award is based. Students who attend less than full time are eligible for
federal and state aid only. Pell Grant recipients risk losing funds if they are not enrolled, within the first week of classes,
in the number of credits for which their Pell Grant was awarded.
• Maintain satisfactory progress toward a degree or certificate. Please review satisfactory-progress requirements on our website
• Provide all required documents – including those needed for verification – in a timely fashion.
• Provide the financial aid office with information on changes in your family’s household size, income, and/or enrollment status.
• Inform the financial aid office of all outside or private scholarships, tuition remission, private loans related to education
and/or VA benefits that you will be receiving for this academic year.
• Check your Whitworth e-mail account on a regular basis.
• Use our website to review all of your rights as a financial-aid recipient; the site address is www.whitworth.edu/financialaid.
You have the right to request and receive our student financial-aid policies in writing.
• Reapply for federal, state and need-based aid by filing the FAFSA by May 1 of the award year (May 1, 2009 for 2009-10
• Learn about money management. See Tools for Financial Success at www.whitworth.edu/financialaid.
Do I qualify for an Academic Competitiveness Grant?
We understand that parents often assist their students in the financial-aid process. However, it is important and required by law The Academic Competitiveness Grant (ACG) is a federal grant for freshmen and sophomores who are eligible to receive Pell
that students complete and sign all of their own web processes and documents. Grants and who have completed rigorous programs of high-school study. The amount of this grant is $750 for first-year students
and $1,300 for second-year students. If you qualify to receive this grant, we will notify you once your final official high-school
What does it cost to attend Whitworth? transcript has been received and reviewed.
On campus At home
Billable costs (with parent or parents) What other aid may be available?
Tuition $27,100 $27,100 The Whitworth Financial Aid Office has carefully prepared your financial-aid award, based on your unique circumstances and the
Fees (ASWC, insurance, etc.) $ 320 $ 320 availability of funds. If you need further financial assistance, a number of options may be available. They are described below.
Room & board* $ 7,700 see below
Direct costs total $35,120 $27,420 Whitworth Church Matching Scholarship
Non-billable costs** Eligibility: Recipient of scholarship receives monies from his/her local Christian church fund
Room & board*** see above $ 2,597 Amount: $500 maximum total match per year ($250 per semester)
Application: Church Matching Scholarship Notification found on the forms page at www.whitworth.edu/financialaid/forms.
Books & supplies $ 937 $ 937
Transportation $ 839 $ 839
Federal Direct Unsubsidized Stafford Loan
Personal expenses $ 1,606 $ 1,606 Eligibility: Not based on need; must have completed the FAFSA
Average Stafford Loan fees $ 102 $ 102 Maximum amount: freshman: $3,500; sophomore: $4,500; junior/senior: $5,500 per year, which includes any Federal Direct
* On-campus room and board cost is based upon a shared double room with the maximum meal plan. Subsidized Stafford Loan that the student will borrow. Independent students may be eligible for up to $5,000 in additional funds.
** Non-billable costs are based upon survey information; your individual budget may vary. Terms: Payment of interest begins at once unless the student elects to defer the interest payments (which will then be capitalized).
*** Off-campus room-and-board estimates are available upon request. The interest rate on this loan is 6.8 percent.
How do I determine my remaining balance? Federal Unsubsidized Parent Loan (PLUS)
To estimate how much you will owe Whitworth for the academic year after you have used your financial aid, add the applicable Eligibility: Must be a U.S. citizen, parent or step-parent of a dependent student, and have an adequate credit rating
billable costs and then subtract the amounts of your scholarships, grants and Perkins Loan. Finally, subtract the amount of your Maximum amount: Cannot exceed cost of attendance less other sources of aid
Federal Direct Stafford Loan multiplied by .995*. For example, a full-time day student living on campus will have billable costs Terms: Interest will vary from 7.9-8.5 percent, depending on the lender; repayment begins 60 days after the loan is fully disbursed.
of $35,120. If the student’s financial aid is $16,000 in grants and scholarships, a $2,000 Perkins Loan, and a $3,500 Federal Direct Fees totaling up to 4 percent are charged at the time of disbursement as specified by law.
Stafford Loan, then the calculation is:
If you would like to be considered for a Federal Unsubsidized Parent Loan, please contact our office to discuss the application
EXAMPLE YOUR CALCULATIONS process, or see our website at www.whitworth.edu/financialaid/parents.
$ 35,120 Whitworth charges ___________________
$ 16,000 Grants/Scholarships/Perkins Loan ___________________ The following is a link to the 2008-09 Federal Student Aid Guide. It provides students with a complete guide to federal programs:
$ 3,482 Stafford multiplied by .995* ___________________ www.studentaid.ed.gov/students/publications/student_guide/index.html.
$ 15,638 Remaining balance = ___________________
Private Educational Loans
Work-study earnings are not included in the calculation because they are paid directly to you throughout the semester via the
If you are interested in private educational loans, please visit our website, www.whitworth.edu/financialaid/loans, which includes a
private educational-loan-lender list with links to online applications. The amount of a private loan plus other aid cannot exceed a
*By multiplying your Stafford Loan amount by .995, you are taking into account the 2.0 percent fee and the 1.5 percent interest student’s cost of attendance. Private-education loans that do not require school certification are still considered a form of financial
rebate. The interest rebate is given to students up front to encourage on-time repayment. assistance and must be included in a student’s financial-aid award, not to exceed the student’s cost of attendance.
How do I pay my remaining balance? What do the loan and work-study programs require?
Whitworth offers two options for payment of your remaining tuition, fees, and room and board (for on-campus residents) after Federal Direct Subsidized Stafford Loans for 2008-09 have a fixed rate of 6.0 percent. Deferment options are available to
your financial aid is considered. They are: borrowers and are listed on the promissory note. A .5-percent fee is deducted from the amount of each disbursement. To fund a
• Term Payment Plan: Payment for each term’s remaining balance must be paid in full two weeks prior to the start of each Federal Direct Stafford Loan, you must complete and sign a promissory note and entrance-loan counseling. These processes can be
term. completed on the web at www.whitworth.edu/financialaid/loans. These processes must be completed by the student and not by
• Budget Payment Plan: This plan allows for extended payment of the total balance due. It allows you to make three or four a parent. Stafford Loan funds will not transfer to a student’s account until all the necessary processes have been completed.
equal payments each semester or nine or ten payments for the full year, depending on registration date. The first fall payment The maximum that a dependent student can borrow on the Stafford Loan Program for all years of undergraduate work is
is due in August; the first spring payment is due in January. $23,000. Independent students can borrow a total of $46,000 for all years of undergraduate studies, with no more than $23,000 in
You will receive information regarding these payment options from Whitworth Student Accounting Services in July, or, if it is past Subsidized Stafford Loans.
July, when you pre-register. For more information regarding student accounts, please visit the student-accounting services website, The Perkins Loan Program is administered by the Whitworth Federal Perkins/Institutional Loan Office. The program requires a
at www.whitworth.edu/studentaccountingservices. You can view your student account at any time by logging onto your WhitNet completed and signed promissory note as well as entrance- and exit-loan counseling. Perkins Loans currently have an interest rate
account and selecting Web AR Statement. of 5 percent and provide options for cancellation and deferment.
If you have been awarded a Perkins Loan, you will receive more information at a later date. Once all the necessary paperwork has
been completed and you have met all other eligibility requirements, the Perkins Loan is transferred directly to your account. For
questions on the Perkins Loan Program, please call the Whitworth Federal Perkins/Instutitional Loan Office at 800.535.4668 or
If you are eligible, you may earn funds through the work-study program up to the maximum amount listed on the award notice.
The Whitworth Student Employment Office will assist you in identifying and securing work-study positions. Federal work study
provides on-campus and off-campus job opportunities; state work-study positions are all off campus. While work-study eligibility
allows you to seek employment in a work-study position, it is not a guarantee that you will find such a position. The hiring process
is competitive, and placement is contingent upon an interview with the hiring supervisor. To begin your work-study job search,
contact the Whitworth Student Employment Office at 509.777.4707 as soon as you arrive on campus or visit the office’s website at
Work-study earnings are paid to you twice each month through the payroll process after your timecard has been signed and
submitted. The Student Employment Handbook, which is distributed in September, will give you more information on payroll
procedures and regulations.
How and when is my aid disbursed?
Generally, aid is disbursed directly to your Whitworth account just before the first day of class. Eligibility, credit load and completion
of your financial-aid file must be confirmed before funds are transferred. Taking into account timing issues and the availability of
funds, you should bring enough money to buy books and to cover incidental costs that you may incur during the first month of
What if a credit balance is due to me?
If all aid has been credited to your Whitworth account and a credit balance results, Whitworth Student Accounting Services will
determine how the credit should be processed. Depending on what you have indicated on the pre-billing form, student accounting
services will either prepare a credit check or leave the credit balance on the account. Credit checks are released to you only after
you have attended the first day of classes.