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					OFFICE OF FINANCIAL AID


Policies and Procedures
        2010-2011
                                               Office of Financial Aid
                                                                       East Tennessee State University


FINANCIAL AID MISSION




The mission of the Office of Financial Aid is to enable students to attend East Tennessee State University who
would not otherwise have the financial resources to enroll, and thereby enable the growth of a student population
that is culturally, economically, socially, and geographically diverse. Financial assistance from East Tennessee
State University is offered as a supplement to the efforts of the student and the student’s family to meet the
expenses of a university education.

GOALS

   To provide students with the information and services needed to enable them to attend East Tennessee State
    University.

   To provide communication with students, faculty, and staff concerning important financial aid issues.

   To continually evaluate current office operations in order to provide better services to students.

   To inform the public and encourage an awareness within the campus community of the opportunities financial
    aid provides to students and parents.

   To assist in financial aid-related planning and activities involving East Tennessee State University.

   To encourage staff participation in local, state, and regional associations.

   To enhance the image of the financial aid profession.


CODE OF CONDUCT FOR INSTITUTIONAL PROFESSIONALS

The Office of Financial Aid at ETSU is a member of the National Association of Student Financial Aid
Administrators (NASFAA). We adhere to the professional standards set forth by NASFAA’s Code of Conduct for
Institutional Financial Aid Professionals:

“An institutional financial aid professional is expected to always maintain exemplary standards of professional
conduct in all aspects of carrying out his or her responsibilities, specifically including all dealings with any entities
involved in any manner in student financial aid, regardless of whether such entities are involved in a government
sponsored, subsidized, or regulated activity. In doing so, a financial aid professional should:

       Refrain from taking any action for his or her personal benefit.
       Refrain from taking any action he or she believes is contrary to law, regulation, or the best interest of the
        students and parents he or she serves.
       Ensure that the information he or she provides is accurate, unbiased, and does not reflect any preference
        arising from actual or potential personal gain.
       Be objective in making decisions and advising his or her institution regarding relationships with any entity
        involved in any aspect of student financial aid.
       Refrain from soliciting or accepting anything of other than nominal value from any entity (other than an
        institution of higher education or a governmental entity such as the U.S. Department of Education)
        involved in the making, holding, consolidating or processing of any student loans, including anything of
        value (including reimbursement of expenses) for serving on an advisory body or as part of a training
        activity of or sponsored by any such entity.
       Disclosure to his or her institution, in such manner as his or her institution may prescribe, any involvement
        with or interest in any entity involved in any aspect of student financial aid.”



In order to better serve our students, the ETSU Office of Financial Aid assigns each student a Financial Aid
Counselor alphabetically according the their last name http://www.etsu.edu/finaid/contactus.aspx. We have two
counselors available at the front counter, and we are committed to assisting students with any questions or concerns
regarding financial aid programs and eligibility.
                                       Office of Financial Aid




Table of Contents


Introduction .............................................................................................................................................................4
Important Dates and Deadlines ...............................................................................................................................5
Student Eligibility ...................................................................................................................................................6
Verification .............................................................................................................................................................6
Awards & Funding ..................................................................................................................................................7
Unusual Circumstances, Professional Judgment, & Dependency Overrides ..........................................................8
Consortium Agreements..........................................................................................................................................8
Pell Grant & “Year-Round Pell Grant” ...................................................................................................................9
Loan Programs ............................................................................................................................................... 10 -11
Student Employment Program: FWS and RSWP ................................................................................................12
Academic Performance Scholarship Program for Tennessee Residents (APS) ............................................. 12 -13
Disbursement, Refund, and Repayment Policies ..................................................................................................13
Satisfactory Academic Progress Policy.......................................................................................................... 14 -16
Financial Aid and the Student Account.......................................................................................................... 16 -17
Statement of Account and Class Schedule ............................................................................................................17
Confirmation of Registration ................................................................................................................................17
Balance of Aid —Funds for Other Expenses ........................................................................................................18
External Scholarships ............................................................................................................................................18
State Employee’s Dependent Fee Discount & Teacher’s Dependent Fee Discount .............................................18
University of Tennessee Spouse or Dependent’s Fee Discount ............................................................................18
Tennessee Board of Regents Spouse or Dependent’s Fee Discount .....................................................................19
Veterans’ Dependents’ Post Secondary Education Assistance Program ..............................................................19
Disabled Persons and Persons Over 60 Years of Age ...........................................................................................19
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                                                                       East Tennessee State University




                                       Financial Aid 2010 - 2011



  Introduction

  The Office of Financial Aid at East Tennessee State University provides a broad spectrum of programs to assist
  students in financing their college education. The University is committed to providing students with access to
  education through a variety of resources that include scholarships, grants, loans, and work-study programs.

  The Free Application for Federal Student Aid (FAFSA) is the federal form for applying for financial aid
  http://www.fafsa.gov. Students must complete the FAFSA every year as soon as possible after January 1st, using
  accurate income information from the prior year. The FAFSA provides a comprehensive review of the family’s
  financial status. The results, including the expected family contribution, are generated on the Student Aid Report
  (SAR), sent to the student, and sent electronically to the colleges and universities listed by the student on the
  FAFSA. Students will find links to other helpful financial aid information at http://www.etsu.edu/finaid.

  Tennessee residents with Pell Grant eligibility may qualify for the Tennessee Student Assistance Award (TSAA).
  This state grant program has limited funding.

  Financial aid is a supplement to an applicant’s personal resources. Reasonable family contributions are expected.
  The majority of financial aid awarded at the University is based on the student’s financial need. Scholarship funds
  are awarded based on academic merit or other criteria specified by the donor or organization managing the
  program. Need is defined by federal formulas and based on a student’s estimated cost of attendance less any
  expected family contribution.

  Students should seek scholarship assistance in the ETSU Scholarship Office as well as through their communities.
  The deadline for most ETSU scholarships is March 1 of each year. High school guidance counselors and the
  University financial aid counselors can be sources of additional information. Various self-help options may be
  considered by the student and include both employment and loans. Students are strongly encouraged to consider
  their ability to repay when they borrow through student loan programs. Students may also want to explore their
  eligibility for vocational rehabilitation benefits and veterans’ benefits.

  Financial aid programs, rules, and regulations are subject to change. Federal and state funds are conditional upon
  congressional appropriations and receipt of those funds at ETSU. Students may contact a counselor with any
  questions or concerns regarding their eligibility http://www.etsu.edu/finaid/contactus.aspx .

  In an effort to adhere to federal privacy laws, the ETSU Office of Financial Aid restricts the release of certain
  private student information. Students must contact the Office of Financial Aid personally to check the status of
  their financial aid application and awards. We will be unable to release certain information to third parties (i.e.,
  parents, spouses, etc.) without a signed release form on file from the student. To obtain a Release of Information
  Form, the student must visit our office in person and present a photo ID. This Release of Information does not
  authorize third parties to complete documents that, by law, require the student’s completion and/or signature.
  Access to financial aid information is limited and does not include access to information from other University
  departments. This release will remain in place until the student submits a written cancellation request to the Office
  of Financial Aid.

  Any applicant who has a concern that cannot be resolved between the student and a financial aid counselor may
  appeal in the following order: to the Assistant Director of Financial Aid, then the Director of Financial Aid.
  Students with a complaint about the Office of Financial Aid should refer to the Spectrum, the ETSU Student
  Handbook, for instructions.

  “Funding Education Beyond High School,” a publication from the United States Department of Education, is a
  helpful source of information regarding federal financial aid programs. Copies are available in the Office of
  Financial Aid or directly from the United States Department of Education. The web address is
  http://www.studentaid.ed.gov/, and the phone number is 800-4FED-AID (800-433-3243).
Page 5
                    Office of Financial Aid




    Important Financial Aid Dates and Deadlines

•JANUARY 1
Complete FAFSA as soon as possible with accurate income and tax information
Priority date to be considered for TSAA if you are a Tennessee resident

•FEBRUARY 15
Check your Student aid Report and read the comments
Deadline for new freshman to apply for ETSU APS Scholarship

•MARCH 1
Follow up with Office of Financial Aid on FAFSA status
Deadline to apply for ETSU Scholarships

•APRIL 15
Priority date to have FAFSA filed, verification complete, all corrections made, & file
ready to award for Fall term

Go online to GoldLink and check your Financial Aid Status

•MAY 15
Deadline for new transfers to apply for ETSU APS Scholarship

•June 15
All financial aid awards must be accepted or declined and all student requirements
met for aid to be ready at start of fall classes

•NOVEMBER 15
Priority date to have aid file complete to be ready for Spring term

        Information, important dates, and application for summer aid may be found at
         http://www.etsu.edu/finaid/faforms/SummerAid.aspx

        Deadline to have FAFSA processed to be considered for TN Lottery
         Scholarships:
                                    Sept 1—Fall
                                 February 1—Spring
Page 6

                                                                       East Tennessee State University




   I. Student Eligibility

   To be eligible for federal financial aid programs
    Federal Pell Grant Program
    Federal Perkins Loan
    Federal Supplemental Educational Opportunity Grant
    Federal Work Study program (FWS)
    Federal Direct Lending Program that includes the Federal Direct Loan and Federal Parent PLUS Loan
   students must meet the following criteria:
   1. Be accepted for admission;
   2. Be enrolled as a regular student, attending classes in a degree or certificate program;
   3. Be a U.S. citizen or eligible non-citizen;
   4. Meet the financial aid Satisfactory Academic Progress Policy;
   5. Be registered with the Selective Service if you are male;
          a. To register or verify registration (obtain registration number): http://www.sss.gov/
   6. Not be in default on a student loan or owe a repayment of Title IV federal financial aid funds. (A repayment
      occurs if the student receives financial aid funds and then withdraws within the first 60% of the term, officially
      or unofficially, from the University.)
   7. Meet specific criteria for a particular financial aid program. See the “Funding Education Beyond High School”
      publication for eligibility requirements for each program listed above.

   Students classified as “Undergraduate Special” (SPU), if they are a visiting student or not seeking a degree may not
   be eligible for federal financial aid; check with a financial aid counselor for further information.

   Students classified as “Graduate Non-Degree” (SPG) may be eligible for financial aid if enrolled in pre-requisite
   classes for admission into a graduate degree program or enrolled in classes to complete teaching certification
   requirements. These students may be awarded Federal Direct Stafford Loans for a maximum of 12 consecutive
   months and a one-time occurrence during an educational career and are subject to loan limits that are of a fifth-year
   undergraduate.

   Students enrolled in a program at ETSU which leads to a Second Undergraduate, Master's, or Ph.D. degree, can
   only be eligible for Federal Direct loans, Federal Parent loans (if the student is dependent), or Alternative/Private
   Loans. For further information visit our website by clicking on the following link http://www.etsu.edu/finaid/
   faforms/general.aspx

   Students may receive aid for no more than 30 attempted hours of remedial coursework. English as a Second
   Language (ESL) classes are included in the 30 credit hours.

   Verification

   Students are selected at random for Verification by the Federal Student Aid Central Processing System (CPS).
   Institutions must verify the information submitted on the Free Application for Federal Student Aid by the student,
   student and parent/s, or student and spouse before an award can be offered. ETSU students selected for verification,
   unless they are applying only for the HOPE Scholarship, will receive a written request from the ETSU Office of
   Financial Aid requesting the completion of the Verification Worksheet, including Worksheets A, B, and C: signed
   copies of the student’s, student and parent’s, or student and spouse’s tax return (i.e. 1040), with copies of all W-2
   forms from all employers. Other documentation may be requested for clarification. If corrections are required based
   on verification information, the Office of Financial Aid will submit the corrections to the CPS for the student. The
   student will receive a revised student aid report (SAR). It is very important to respond promptly to all requests
   for verification information. Delays in response or submission of incomplete verification documentation will
                                                                                                                    Page 7
                           Office of Financial Aid




delay the offer of a student financial aid award package. April 15 is ETSU’s Priority Date to have your FAFSA
filed, verification complete, all corrections made, and file ready to award for Fall term.


II. Awards & Funds

As stated in Funding Education Beyond High School: The Guide to Federal Student Aid published by the U.S.
Department of Education, all financial aid awards are based on the cost of attendance (COA.) COA is the total
amount it will cost you to go to school. It is determined using rules established by federal law. The COA includes
tuition and fees; room and board (on-or off-campus); and allowances for books, supplies, transportation, loan fees,
and, if applicable, dependent care. It also includes miscellaneous and personal expenses. A student’s financial aid
package cannot exceed the total COA.

For academic purposes, undergraduate full-time status is 12 credit hours and graduate full-time status is 9 credit
hours. However, all financial aid awards are prepared with the understanding that the student will enroll in 12 or
more credit hours. If students enroll in less than 12 credit hours in any term, they must notify the Office of
Financial Aid prior to the first day of classes. Cost of attendance and awards are based on the traditional fall and spring
school year unless there is non-attendance for a term or if summer is added. Students may request to be evaluated for
summer aid around mid-February each year. The form can be found at http://www.etsu.edu/finaid/faforms/
SummerAid.aspx. It is advisable to read carefully all the information and follow the links when you receive an emailed
award notification or a paper award notification. Discuss award amounts if necessary with the Office of Financial Aid so
you will know your eligibility limits per semester and academic year, especially if summer funding will be needed.
Awards will be adjusted accordingly. (delete sentence in red) Students have the option of accepting or rejecting any
portion of their awards. When the award is accepted and electronic authorization of aid received, the student has
given his/her permission for accepted awards to be disbursed and credited to the student account at ETSU.

Financial aid programs, rules, and regulations are subject to change. Federal funds are conditional upon
congressional appropriations. The Office of Financial Aid reserves the right and is sometimes required to adjust or
cancel awards because of changes in financial or academic status, change of academic programs, or other
extenuating circumstances. Each award is contingent on the receipt of funds by the University. Students must
regularly attend classes to receive financial aid.

Students should always notify the Office of Financial aid if any awards such as scholarships, assistantships, or other
types of assistance are not listed on the financial aid award screen in GoldLink. These funds must be counted as a
funding resource toward the cost of attendance. When a student receives funds after being notified of or receiving
the original financial aid award, adjustments to the original financial aid award may be required. Federal
regulations require the university to prevent overawarding a student’s financial aid need and/or cost of attendance.
Changing a student’s residency classification from out of state to in state will impact financial aid eligibility and
may create an overaward. In some instances, a portion or all of a student or parent’s loan or other funds may have
to be returned to the source due to the overaward. If the student has already received a Direct Deposit or Balance of
Aid Refund Check (student/parent) the student may owe funds back to the university. The student will be required
to repay any financial aid funds received in error.

Students may owe federal income tax on scholarship, graduate assistantship, or grant funds received in excess of
tuition, fees, and books. Conversely, students and/or parents may qualify for tax credits such as the HOPE
Scholarship tax credit or Lifetime Learning tax credit for college expenses. Students are encouraged to contact the
Internal Revenue Service and their state tax agency with tax questions.
Page 8

                                                                       East Tennessee State University




III. Unusual Circumstances, Professional Judgment, & Dependency Overrides
Students may appeal to the Office of Financial Aid if unusual family circumstances occur, by requesting
Professional Judgment. The Financial Aid Appeal Committee will evaluate your appeal and can possibly adjust
the cost of attendance or the information used to calculate your Expected Family Contribution (EFC) to take into
account your unusual circumstances. These circumstances could include your family’s income loss,
unemployment, unusual medical expenses, tuition expenses, or other. The Financial Aid Appeal Committee must
have good reasons and documentation to use their Professional Judgment to make adjustments because of unusual
circumstances. Appeals received after October 1, for income loss will remain pending until the student and/or
parent turns in a copy of the federal tax return and all W-2’s for that year.

If you believe you have a special circumstance and are unable to provide parental information on your FAFSA, you
are welcome to appeal to the Office of Financial Aid at ETSU to request a dependency override. Under very
limited circumstances, an otherwise dependent student may be able to submit the FAFSA without parental
information due to special circumstances. You will need to provide a written statement and documentation to
verify your situation to the Office of Financial Aid at ETSU.

All appeals must be submitted to the Office of Financial Aid at ETSU. Appeal requirements for a
Professional Judgment and Dependency Overrides can be found at http://www.etsu.edu/finaid/faforms/
appeal.aspx. Please provide detailed information and documentation. Students may contact a counselor with
any questions or concerns regarding their eligibility at http://www.etsu.edu/finaid/contactus.aspx. The Financial
Aid Appeal Committee and The Office of Financial Aid’s decision as to whether to make changes is final and
can’t be appealed to the U.S. Department of Education.

Submission and approval of a professional judgment does not a guarantee a change in the student’s financial aid
eligibility.


IV. Consortium Agreement

A Consortium Agreement is a written contract between two or more eligible institutions enabling students to take
coursework at different institutions simultaneously for the purpose of completing a degree. Under such an
agreement, students may take courses at a “host institution” and have those courses count toward the degree or
certificate at the “home institution”.

The student’s home institution (assuming ETSU) is the institution that will grant the student’s degree or certificate.
It is also the institution that will process, award, and disburse the financial aid. The “host institution” (example
NEST, Pellissippi, or other institutions”) will be required to fill out a form stating the tuition and fee cost at the
host institution and the number of hours the student is enrolled at the host institution. This form must be returned to
ETSU.

A Consortium Agreement is not an application for “extra” financial aid. It merely allows a student to get the same
amount of financial aid under the cost of attendance at ETSU that he/she would normally receive for registering for
classes at ETSU. ETSU does not automatically send funds to the host institution on behalf of the student.
                                                                                                                 Page 9

    Financial Aid




Financial aid is applied to a student’s bill at ETSU and if a credit balance is created by financial aid funds, then a refund
is sent to the student. The student is responsible for paying their bill at the host institution. Typically if a student
has met priority deadlines http://www.etsu.edu/finaid/datesadeadlines.aspx to receive financial aid at ETSU, a direct deposit
refund could be received a few days before classes start at ETSU. Paper checks would be mailed out beginning the first
day of classes at ETSU. It is the responsibility of the student to use any refund to pay their bill at the host institution.

If you have been admitted into ETSU as a degree seeking student then ETSU would be your “home institution.” You
can find further guidelines and required forms to be turned into the ETSU Office of Financial Aid at
http://www.etsu.edu/finaid/faforms/general.aspx



V. Pell Grant Program “Year-Round Pell Grant”

The Federal Pell Grant program was originally established in the 1972 Reauthorization of the Higher Education Act of
1965, as the Basic Educational Opportunity Grant to help financially needy students. With the passage of the Higher
Education Opportunity Act of 2008, students studying at an accelerated pace now may receive up to two Pell grants per
award year effective with the 2009-2010 award year. Year-Round Pell Grant is the common phrase for what the HEOA
calls “Two Pell Grants in an Award Year.” Effective July 1, 2008, the HEOA requires a student to receive access to a
second scheduled award if the student:

    Has received 100 percent of the first scheduled award.
    Is enrolled at least half time, for the term in which a second scheduled award would be paid.
    Is otherwise Pell Grant-eligible, based on general and program eligibility requirements.
    Beginning July 1, 2010, students also must be enrolled in at least one credit hour that will be attributable to the
     student’s next academic year. An undergraduate academic year is defined by each institution and must include at
     least 24 credit hours with a least 30 weeks of instructional time.

As of May 15, 2010, the ETSU Office of Financial Aid’s Summer 2010 Crossover Policy for Pell grant is awarding all
students based on the 2009-10 Free application for Federal Student Aid (FAFSA), if eligible. The ETSU Office of
Financial Aid for 2009-2010 will not be required to compare Pell Grant awards to 2010-2011 Pell Grant awards. The
Acceleration rule for a second scheduled Pell Grant award will not be required for summer 2010. At ETSU summer is
considered a trailer therefore, the Expected Family Contribution (EFC), Cost of Attendance (COA) at ETSU, student
financial need, and Pell Grant eligibility would be determined according to the previous fall/spring 2009-10.

Beginning Spring 2011 for transfer students: ETSU Office of Financial Aid must determine the amount of Pell Grant
paid, as well as the number of credit hours earned at the prior institution during the award year in order to determine
eligibility for spring 2011 or summer 2011 at ETSU. ETSU will use the hours-earned method or the assumption
method. The method to be used will be determined before the new awards go out for spring 2011.
Page 10

                                                                        East Tennessee State University




Vl. Federal Direct Loan (Stafford), PLUS, Grad PLUS and Perkins Loans

ETSU Main Campus (School Code 003487) processes loans using the Direct Loan Program, administered by the
U.S. Department of Education, in order to make the student loan process as easy as possible. All ETSU students
(including new, transfer, and continuing) and parents who choose to borrow through student loan programs, except
the Alternative/Private loan industry, must have their Direct Loan and PLUS Loans borrowed/processed through
the Direct Loan Program. For more information about Direct Loans, please visit http://www.direct.ed.gov.

A notice will be sent to all students and/or parents when loan funds are received at the University. This notice will
list any obligations the student must meet before the funds can be credited to the student’s account. All Parent
PLUS Loan refunds will be mailed to the borrowing parent by paper check after the student’s ETSU student
account is paid in full each term.

Borrowers in the Direct Loan, Perkins, Parent PLUS or Grad PLUS Programs must be enrolled at least half time to
qualify for deferments or to borrow additional funds. Halftime status is always defined as six credit hours at both
the graduate and undergraduate level. When enrollment falls below half time, the grace period begins and
repayment will begin within nine months (Perkins) or six months (Direct Loan) to the U. S. Department of
Education Loan Program. The lender in the Federal Perkins Loan Program is ETSU (or the college you previously
attended). Parent applicants for PLUS or graduate student applicants for Grad PLUS loans are required to complete
the FAFSA. Additionally, Grad PLUS applicants must have applied for their annual loan maximum eligibility
under the Federal Subsidized/Unsubsidized Stafford Loan Program before applying for a Grad PLUS loan.

When the student accepts the offer of a Direct Loan or PLUS (Grad or Parent) Loan through GoldLink, esigns a
Master Promissory Note (MPN) through the Direct Loan Program, and completes Entrance Loan Counseling, the
student has agreed to have a loan certified by ETSU and disbursed from the Department of Education Direct Loan
Program. Direct Loan borrowers will also need to complete the Direct Loan Entrance Counseling at http://
direct.ed.gov. All students borrowing through the Direct Loan Program for the first time at ETSU (regardless
of previous borrowing elsewhere) must complete Entrance Loan Counseling online before loan funds can be
credited to the student account. After you complete the Entrance Counseling, you will be given confirmation to
print out and keep for your records. ETSU will receive electronic notification when loan counseling has been
completed. NOTE: If you do not have access to the web, you may complete entrance loan counseling using
the computers available in the Office of Financial Aid or the student Computer Labs on campus.

If you accepted the Federal Direct Loan through your GoldLink account, you will also need to proceed to the Direct
Loan Program website at http://www.direct.ed.gov to complete the Master Promissory Note (MPN) online. All
students borrowing in the Direct Loan Program for the first time must complete a Master Promissory Note
(MPN) with the Department of Education’s Direct Loan Program before loan funds can be disbursed.

The MPN for the student Loan through the Direct Loan Program only needs to be completed by the student once
for the student’s entire college career. The student’s signature on this form allows for all future disbursements while
enrolled in college. If the student needs additional funds during the academic year, the student’s signature on the
MPN gives the Department of Education permission to disburse future loans certified by ETSU as stated on the
                                                                                                               Page 11

  Financial Aid




financial aid award. The student must complete a Federal Direct Loan Request Form before ETSU will certify
additional loan funds http://www.etsu.edu/finaid/faforms/loans.aspx.

The MPN for the Parent or Grad PLUS Loan through the Direct Loan Program only needs to be completed by the
borrower. If you have accepted a PLUS (Parent or Grad) Loan a MPN must be signed online each year through
the Direct Loan Program. Furthermore, if a parent esigns a Master Promissory Note (MPN) through the Direct
Loan Program for the PLUS Loan, the parent has agreed to have the loan certified by ETSU and disbursed from the
Department of Education Direct Loan Program http://www.studentloans.gov.

Always contact the U.S. Department of Education Direct Loan Servicer immediately if your enrollment falls below
halftime. ETSU is required to notify the National Clearinghouse of your current enrollment status. The
clearinghouse forwards this information to all of your lenders (previous lenders as well as the US Department of
Education Direct Loan Program). In some instances, your lender will still need a deferment form. The Records
Office at ETSU (Box 70561) will certify your enrollment status on the deferment form.

To qualify for a deferment in summer, halftime enrollment status is determined by the sum of all attempted credit
hours in the complete session, pre-summer, session 1, pre-summer + 1, dual session, and session 2. For example, 3
credits in pre-summer and 3 credits in session 1 would establish halftime enrollment status for summer.

If you accepted the Perkins Loan for the first time you will receive an email from ECSI instructing you to complete
and sign the Perkins Master Promissory Note online. You will also need to complete Perkins Entrance Loan
Counseling online at http://ecsi.net.

Loans awarded for two terms will be disbursed in two payments divided equally over the duration of the loan
period. A single term loan will be disbursed in one payment.


Alternative Loans

Alternative loans are available to students who either do not qualify for federal student loans, or who need
additional loan funds beyond federal loan maximums under the cost of attendance at ETSU. ETSU does not have a
preferred lender list. ETSU cooperates with a number of student lenders in processing loan applications. It is up to
the student to choose a lender. When choosing a lender it is important that you read all the benefits pertaining to
their educational loan so you will pick the right loan for your needs.

Alternative loans are designed especially for credit-worthy students and parents. If you meet specific credit
requirements, have proof of your U.S. citizenship, and show evidence of your repayment capacity, the amount you
may borrow for an alternative loan is constrained by the cost of attendance ETSU, minus any other financial aid
awarded. ETSU requires students to complete the Free Application for Federal Student Aid (FAFSA) to better
determine the student’s eligibility for loans and other forms of financial aid before processing an alternative loan.
Page 12

                                                                       East Tennessee State University




Vll. Student Employment Programs: FWS and RSWP

The University offers two student employment programs — the Federal Work Study Program (FWS) and the
Regular Student Work Program (RSWP). These awards require the student to work on either the Main or
Kingsport, or Nave Center campus. If the employment program has been accepted through GoldLink, an
informational packet will be mailed regarding required employment documents and procedures in early August.
Available positions can be found at http://www.etsu.edu/finaid. Click on Student Work Positions and select the
appropriate work program category (FWS or RSWP). When the student has been interviewed and hired, a time
sheet of actual hours worked will be kept by the departmental supervisor. RSWP recipients are paid by direct
deposit, FWS recipients are encouraged to be paid by direct deposit, but may choose a paper check. Student
workers are paid on the 15th and last working day of each month. Earnings do NOT go towards the fee payments
due each term. An additional Direct Deposit Request Form must be completed for the work study programs. FWS
and RSWP awards are not guaranteed and are contingent upon the student working the required hours for payment,
up to the maximum amount of the award. Student work positions are limited and are filed on a first come, first
serve basis. In the event the student does not work the maximum number of hours, the unearned portion of the
award will be forfeited. Students are not permitted to work more than one job at a time.

It is recommended to complete the FAFSA early to apply for federal funds and follow up with the Office of
Financial Aid for funds such as the FWS. FWSP awards are contingent upon funds available. RSWP funds are
contingent upon university and departmental funding available. Student earnings may be subject to federal or state
income tax. Students should contact the Internal Revenue Service and their state tax agency with tax questions.




Vlll. Academic Performance Scholarship Program for Tennessee Residents (APS)

Students apply for the Academic Performance Scholarship through the Scholarship Office at ETSU
http://www.etsu.edu/scholarships/. February 15 is the deadline for new freshmen to apply for APS . May 15 is the
deadline for new transfers to apply for the APS. The Scholarship Office notifies the Office of Financial Aid of the
recipients selected. Awards are for entering freshmen and transfers for the fall term each year. Students pursuing a
second bachelor’s degree, graduate students, and currently enrolled students are not eligible. Selection is
competitive and awards are based on academic performance. To be considered, freshmen applicants generally rank
1 or 2 in their graduating class or score a minimum ACT Composite of 26 (or 1170 SAT) while earning a minimum
high school grade point average of 3.5 on a 4.0 scale. Transfers will be considered on a competitive basis with
minimum qualifications including a 3.2 grade point average (4.0 scale) and 24 credits of transferable courses. The
APS award amount is $3,000 annually ($1,500 per term). Eligibility for the APS stops once a bachelor’s degree or
8 terms of APS are received, whichever comes first.

Recipients must maintain a cumulative and term grade point average of 2.5, pass a minimum of 12 credits per term,
and fulfill a 75 hour work requirement per semester in order to renew the scholarship for subsequent terms.
Developmental courses do not count toward the minimum of 12 credits earned, or in the term or overall grade point
average required for renewal.

If the APS award has been accepted as a financial aid award through GoldLink, information on job listings will be
sent to the student in early August. Available positions can be found at http://www.etsu.edu/finaid. Click on
                                                                                                                 Page 13

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Student Work Positions and select APS. The work requirement is approximately 5 hours per week, for a total of 75
hours per term. Once the work hours have started in a department, the hours must be completed in that department.
You may not change to another department until the following term. You cannot work two work study positions,
including APS, at the same time. If all hours are not worked, a prorated unearned amount of current award must be
repaid. Failure to maintain the requirements will result in the loss of the award for all future terms.

Availability of awards is contingent on funding levels. Awards for new students are made on a rolling basis. Initial
eligibility and renewal requirements may change in the future. New students accepting an APS must register for fall
classes, or register to attend an orientation program, by July 1 in order to receive the scholarship award.

lX. Disbursement, Refund, & Repayment Policies
     Students are required to maintain regular and consistent attendance in all classes. Financial aid
     disbursements will be calculated on the student’s class attendance. Students who stop attending class, drop
     out, or officially withdraw may owe money back to the federal financial aid programs or other scholarship
     or loan programs. Students should follow the procedures printed in the University catalogs for formally
     withdrawing from the University http://www.etsu.edu/reg/catalog/.

Refunds are defined as the portion of maintenance and/or tuition and University housing charges due as a rebate
when a student drops, withdraws, or is expelled from the University. The amount of the refund is calculated by the
Bursar/Financial Services.

Federal law requires federal aid recipients to “earn” the aid they receive by staying enrolled in college at least half
time.

Students who withdraw prior to completing 60% of the term for which they received federal or state student aid
may be required to return some or all of the aid they were awarded.

Students are encouraged to keep careful student loan records. The University will notify students if the Bursar/
Financial Services, or Office of Financial Aid returns loan funds to the Department of Education’s Direct Loan
Program on the student’s behalf.

In a refund or return of federal funds, the student may owe additional funds to the University, the federal or state
government, or other constituency. Students are encouraged to use caution in deciding to drop or withdraw from
classes.

     Dropping classes or withdrawing from the University may impact the student’s future financial aid
     eligibility, including Lottery Scholarship. Students should be familiar with the ETSU Financial Aid
     Satisfactory Academic Progress Standards. Contact your Financial Aid Counselor BEFORE dropping
     classes or withdrawing from the University http://www.etsu.edu/finaid/contactus.aspx.

Students are billed for a return of federal funds owed to the University. The return of federal funds must be paid
before any additional Federal Title IV aid is awarded to the student. Any unpaid amount will be subject to referral
to a collection agency or assigned to the U.S. Department of Education. Additional costs for collection fees and/or
attorney fees may be added. A hold is placed on all University records when the student owes a return of federal
funds. The student is ineligible for any additional federal financial aid funds until the debt is satisfied.
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                                                                        East Tennessee State University




X. ETSU Financial Aid Satisfactory Academic Progress Policy (SAP)
Federal regulations require that all student financial aid recipients make satisfactory academic progress toward
achieving a degree. Progress is measured by the student’s cumulative grade point average and the percentage of
credits earned in relation to those attempted and the length of the academic program. In order to assure that students
make progress toward the degree both in terms of number of hours completed and cumulative GPA, East Tennessee
State University uses the following satisfactory progress policy:

A. PROGRESS STANDARDS: Students must earn a satisfactory grade in at least 66% of the semester credit
   hours they attempt each semester.

B. SEMESTER PROGRESS: Students must, as a minimum, receive a satisfactory grade (*) in the courses they
   attempt each semester. *For purposes of financial aid, satisfactory grades are A, A-, B+, B, B-, C+, C, C-, D+,
   D, S, SP or P. Unsatisfactory grades are F, W, WF, U, or I. Audits do not count as attempted hours and are not
   eligible for financial aid.


Please click here to see the SAP Calculation Chart

NOTE: Unsatisfactory grades will not be counted as earned credit hours, but will count as attempted credit hours.
Satisfactory Academic Progress is required to receive the Tennessee Educational Lottery Scholarship (see "Don't
Lose Hope"). All standards apply to the summer terms as well as spring and fall. When the satisfactory academic
progress review is conducted at the end of spring term, a financial aid hold is placed on the student’s record if the
student fails to meet the satisfactory academic progress standards. Students subject to financial aid holds must
undergo a successful appeal of their status in order to receive financial aid in a summer term. Students who receive
financial aid for summer but earn no hours in summer will be placed on financial aid hold for fall. Summer terms
include the complete session, pre-summer, session 1, pre-summer +1, dual session, and session 2.


C. EVALUATION PROCESS:
   1. Academic progress is reviewed at the end of each term and students who do not make satisfactory academic
      progress are notified in writing.

    2. Students who receive all “I”, “F”, “W”, “WF”, or “U” grades in courses attempted in ANY term (fall, spring,
       summer) will become ineligible for financial aid (see letter F, below, on regaining eligibility).

    3. Repeat courses will be counted in earned credit hours. (Note: ALL courses attempted, except audited
       courses, count in total credit hours attempted.)

    4. Transfer courses recognized by ETSU will be counted in attempted and earned credit hours.

    5. All distance education, telecommunications, television, and web-based courses are considered in total
       attempted hours.

    6. Academic Fresh Start students will have their satisfactory academic progress evaluated on work attempted
       after returning to the University under the Academic Fresh Start policy. However, the appeal limits and
       maximum eligibility requirement (150%) still apply (see letter E, above, Maximum Eligibility).
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    7. Second-degree students will have their satisfactory academic progress calculated from the credit hours
       attempted beyond the first degree. (Note: Additional credit hours for the second-degree coursework will be
       limited to the credit hours required to complete the second degree.) A second-degree student is defined as a
       student with a previous degree at the same classification, either undergraduate or graduate. For example, a
       student pursues a bachelor’s degree in a new field after earning a previous bachelor’s degree.

    8. Students classified as “Undergraduate Special” (SPU) may be eligible for federal financial aid. See the
       Educational Plan Form and Informational Sheet for Special Undergraduate or Special Graduate Students
       (EDP) Instructional Sheet:
    http://www.etsu.edu/finaid/documents/SPECIAL_UNDERGRADUATE_AND_SPECIAL_GRADUATE_ELIGIBILITY_FOR_FA.pdf

       Form: http://www.etsu.edu/finaid/documents/EDUCATIONAL_PLAN_FORM.pdf

    9. Students classified as “Graduate Non-Degree” (SPG) are eligible for federal financial aid for a maximum of
       one year if they are enrolled in classes that are:

       a. Required for a teacher certification program (the loan limit is that of a fifth-year undergraduate); or

       b. Necessary as pre-requisite courses for enrollment into a graduate program (the loan limit is that of a fifth
          -year undergraduate).

       See the Educational Plan Form and Informational Sheet for Special Undergraduate or Special Graduate
       Students (EDP) Instructional Sheet:
    http://www.etsu.edu/finaid/documents/SPECIAL_UNDERGRADUATE_AND_SPECIAL_GRADUATE_ELIGIBILITY_FOR_FA.pdf

       Form: http://www.etsu.edu/finaid/documents/EDUCATIONAL_PLAN_FORM.pdf


   10. Students may receive aid for no more than 30 attempted credit hours of remedial coursework. English as a
       Second Language (ESL) classes are included in the 30 credit hours.


D. CUMULATIVE PROGRESS: Students must, in addition to the above, meet the retention standards of East
   Tennessee State University as outlined in the current East Tennessee State University Undergraduate and
   Graduate Catalogs.

E. MAXIMUM ELIGIBILITY: Students who have attempted 150% of the required credit hours for their degree
   will become ineligible for financial aid. Maximum eligibility is checked at the end of every semester.

F. REGAINING FINANCIAL AID ELIGIBILITY

                                    SATISFACTORY PROGRESS APPEAL

Students who fail to meet these standards and lose eligibility for financial aid can appeal that decision to the Office
of Financial Aid. Satisfactory Academic Progress Appeal Form
http://www.etsu.edu/finaid/documents/Appeals/SAP_Appeal_Form_Revision_12_09__2_.pdf
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                                                                             East Tennessee State University




     The appeal must be prepared in writing on the Satisfactory Academic Progress Appeal Form, must include a
     statement from the student discussing the situation and must be accompanied by appropriate supporting
     documents. The appeal form can be found at http://www.etsu.edu/finaid/faforms/appeal.aspx .

Reasons that may be acceptable for the appeal are:
(1) Serious illness or accident on the part of the student;
(2) Death, accident, or serious illness in the immediate family;
(3) Class cancelled by ETSU; and
(4) Other acceptable extenuating circumstances considered.


                         MAKING UP DEFICIENT CREDIT HOURS WITHOUT AID

In the event that the student does not qualify for an appeal, he or she may be eligible to have financial aid reinstated
by taking the following actions:
(1) Earn at ETSU the number of deficient credit hours (see the SAP Calculation Chart for credit hour requirements)
    in which aid was received;
(2) Pay for these hours without federal financial aid;
(3) Maintain a minimum 2.0 GPA for the term average for those credit hours; and
(4) Notify the Office of Financial Aid when the deficient hours have been earned.

                                                  APPEAL LIMITS

The maximum number of appeals any student may normally have granted during an academic career is two (2).
Typically, second appeals will not be approved when the reason for appealing is the same as the first appeal.

Under extreme circumstances, a third appeal may be granted during an academic career, provided that the student
has documented proof of the circumstances. In the case of a student who files a third appeal, the reasons for the
students’ two previous appeals will be reviewed and considered when making a decision. Additionally, the
student’s progress within the academic program will be a determining factor in third appeals.

Xl. Financial Aid and the Student Account

When the student completes the award letter and all other required documents, the Office of the Bursar is notified
by the Office of Financial Aid of the available funds to be credited to the student’s account.

The following exceptions should be noted.

1. FWSP, RWSP, and the stipends (work earnings) of graduate assistantships are never credited to the student’s
   account, but are issued via direct deposit to the student.
2. External scholarship programs and private loan programs may disburse funds directly to the student or parent.
   These awards must be reported to the Office of Financial Aid. The check goes to the Bursar/Financial Services.
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3. Federal Perkins Loan recipients must sign and complete the Perkins Master Promissory Note (MPN) and the
   Borrower Information Sheet through ECSI at www.ecsi.net, the company that processes Perkins for the Bursar/
   Financial services Office at ETSU.
4. Master Promissory Notes (MPN) for the Federal Direct Loan and for the PLUS loan are completed online
   through the Direct Loan Program https://studentloans.gov/myDirectLoan/index.action prior to the University
   receiving funds through electronic fund transfer (EFT) from the Direct Loan Program.
5. Graduate assistantships and tuition scholarships require the student to return a completed contract with all
   necessary signatures to the School of Graduate Studies Office no later than one month prior to enrollment.
6. Athletic Scholarships require the student to return a signed contract to the Athletic Department.
7. State Employee Fee Waivers, Employee Audit Forms, and PC 191 Forms should be taken to the Bursar/Financial
   Services fee payment windows for credit to the student account. Clerical or Support Staff Reimbursement
   Scholarship Forms are to be submitted to the Human Resources Office. The TBR Faculty/Administrative
   professional Staff Tuition or Maintenance Fee Reimbursement Program Forms are to be submitted to the Human
   Resources Office.
8. Other tuition discount programs and external programs may have other requirements.

XIl. Statement of Account and Class Schedule

All registered students are responsible for reviewing their Statement of Account on the web at http://www.etsu.edu
and click on GoldLink. Bills are not mailed to students or parents. The University must receive payment by the due
date or classes will be cancelled. Accepted financial aid, excluding FWSP, RSWP, and graduate stipends, is
authorized and memoed (estimated) as a credit to the student account until the actual monies come in to all students
to Confirm Registration. Stafford loans are estimated after the University has received the guarantee from the
Department of Education Direct Loan Program.

 The University offers a deferred payment plan as an option for making partial payments. Information about the
 deferred payment plan is available from the Office of the Bursar or on the ETSU web site at http://www.etsu.edu/
 fa/fs/bursar/
XIIl. Confirmation of Registration

After registering and prior to the first day of classes each term, students must confirm enrollment with the
Bursar/ Financial Services. The confirmation can be done by logging onto student services at http://www.etsu.edu
click on GoldLink, or by going to the Bursar/Financial Services Cashier window and confirm the student’s
enrollment. For additional details, refer to “Confirmation of Registration” in the Schedule of Classes, or on the
Bursar/Financial Services Website http://www.etsu.edu/fa/fs/bursar/tuitioninfo/paymentfees.aspx .
Students may choose to either Confirm their Registration or sign the On-Line Financial Aid Agreement and
Promissory Note (Former Affidavit) through GoldLink.
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                                                                       East Tennessee State University




XIV. Balance of Aid —Funds for Other Expenses

A Balance of Financial Aid is the money the student receives for education-related expenses, such as books and
commuting expenses, after all direct costs have been paid to the University. Students wishing to receive their balance of
financial aid refund on or before the first day of classes can enroll in direct deposit through self-service at GoldLink
https://selfserv.etsu.edu/pls/PROD/twbkwbis.P_GenMenu?name=homepage. Log into the secure area and select “Student
Account” from the menu. Students who do not sign up for direct deposit will receive their balance of aid in the form of a
check mailed to the student’s local mailing address on file at ETSU.

All Parent PLUS Loan refunds will be mailed to the borrowing parent by paper check after the student’s ETSU student
account is paid in full each term.

Reserving your textbooks at East Tennessee State University is the best way to get the quality used textbooks you want…
not to mention save yourself some time and money. Simply visit the ETSU bookstore online at
http://www.etsubookstore.com/buy_reserve.asp?mscssid=E3AF9284440B4EC08440AFA91545A6BF . Typically, your
textbooks must be picked up no later than the first day of classes each semester.


XV. External Scholarships

Students should instruct donors of external scholarships to submit checks, including student’s name and student ID
number, to the Office of Bursar/Financial Services, P.O. Box 70732, Johnson City, TN 37614, at least one month prior to
the beginning of classes.


XVlll. State Employee’s Dependent Fee Discount & Teacher’s Dependent Fee Discount

These benefits give a 25% discount of the students’ maintenance and standard fees. Forms are available through
employees’ personnel offices and the ETSU Bursar’s website http://www.etsu.edu/fa/fs/bursar/eduforms//default.aspx.
Completed forms should be submitted to the Office of Financial Aid prior to the start of each term or session.

XlX. University of Tennessee Spouse or Dependent’s Fee Discount

These benefits give a 50% discount of the students’ maintenance fees. Forms are available through employees’
personnel offices and the ETSU Bursar’s website http://www.etsu.edu/fa/fs/bursar/eduforms//default.aspx. Completed
forms should be submitted to the Office of Financial Aid prior to the start of each term or session.
        Page 19              Page 14
                                                                                East Tennessee State University




XX. Tennessee Board of Regents Spouse or Dependent’s Fee Discount

These benefits give a 50% discount of the students’ maintenance and standard fees. Forms are available through
employees’ personnel offices and the ETSU Bursar’s website http://www.etsu.edu/fa/fs/bursar/eduforms//default.aspx.
Completed forms should be submitted to the Office of Financial Aid prior to the start of each term or session.


XXI. Veterans’ Dependents’ Post Secondary Education Assistance Program

Effective July 1, 2000, TCA 49-7-102, as amended, was enacted to provide that: “every dependent child in this state under
the age of twenty one (21) years, whose parent (mother or father) was killed, died as direct result of injuries received, or has
been officially reported as being either a prisoner of war or missing in action while serving honorably as a member of the
United States armed forces during a qualifying period of armed conflict, or the spouse of such veteran, is entitled to a
waiver of tuition, and/or maintenance fees, and/or student activity fees and/or required registration or matriculation fees,
and shall be admitted without cost to any institutions of higher education owned, operated and maintained by the state.”

The Office of Veterans Affairs is responsible for determining eligibility and providing further information about the
program http://www.etsu.edu/reg/veteransaffairs/.




XXll. Disabled Persons and Persons Over 60 Years of Age

In accordance with TCA 49-7-113 and TBR Guideline B-060, disabled persons suffering from a permanent disability which
totally incapacitates them from employment and persons over 60 years of age may AUDIT Courses without the payment
of course fees.

Disabled persons suffering from a permanent disability which totally incapacitates them from employment and persons
over 65 years of age may enroll for CREDIT Courses for a required $70 service fee per semester charged to persons
with a permanent, total disability, and persons who will become 65 years of age or older during the
academic semester in which they begin classes and who are domiciled in Tennessee.
This fee includes maintenance fees, student activity fees, technology access fees, and registration fees; it does not
preclude an application fee, late fee, change-of-course fee, parking fee, special course fee, etc.). This only applies to
enrollment on a space available basis, which permits registration no earlier than four (4) weeks prior to the first day of
classes. Acceptable documentation of disability and age is required. Enrollment in classes offered through the James H.
Quillen College of Medicine is not included in this provision.

 Completed forms must be submitted to the Human Resources Office prior to each term or session.

All discounts must be processed by East Tennessee State University prior to the start of classes. This is in accordance with
the Tennessee Higher Education Commission (THEC) policy.
    Office of Financial Aid




East Tennessee State University
P.O. Box 70722
Burgin Dossett Hall, Rm. 105
Johnson City, TN 37614-1710
423-439-4300 • 800-704-ETSU (3878)
Fax: 423-439-5855
E-mail: finaid@etsu.edu
Website: http://www.etsu.edu/finaid




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