Application Procedure

Eligibility

Financial Aid Payment

Transfer Students

Student Employment

Satisfactory Academic Progress Policy

Disbursement Policy

Return of IV Funds

Post-Withdrawal Disbursement

Program Descriptions/ Grants

Work Study

Loans

Approximate Annual Cost

If a student transfers from one school to another, previous financial aid awards will not automatically transfer. To receive aid at the new school, check with that school’s financial aid office to find out what aid programs are available and what steps are required to receive it.

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The college provides many part-time work opportunities for full-time and part-time students. If you are seeking such employment you must complete an application with the Career Services Office. Employment is available in a variety of campus jobs, including office clerks, lab assistants, custodial crews, library helpers, food services and others. Student employment may be available as part of an award package through federal, state UCOPE or institutional work study.

To be eligible to receive or continue to receive financial aid, a student must be enrolled as a regular student and be in good standing. To be in good standing means that a student is permitted attendance in a degree program and is in compliance with accepted enrollment and behavior practices of the College and the Office of Student Financial Services.

      Also, Section 34CFR(s) 668.16(e), 668.32(f) and 668.34 of the Student Assistance General Provisions requires that a student be maintaining satisfactory academic progress – qualitative and quantitative – in the degree or certificate being pursued to be eligible to receive or continue to receive financial aid. The quality of progress is measured by the Cumulative Grade Point Average (GPA). The “quantity” of progress requires a maximum time frame in which students must complete educational objectives, and after which the student is no longer maintaining Satisfactory Academic Process. It further requires a schedule designating the minimum amount of credits that a student must successfully complete by the end of each semester of enrollment. The credit value of all classes enrolled for, whether or not completed, is part of the measurement of each equivalent semester used to evaluate the quantity of progress. A student who attended the College before applying for aid must have met the same standards as an aid recipient. “No institution has the authority to waive this requirement for any student or group of students…”

Maximum Semesters to complete program	1	2	3	4	5	6	7	8
Semester credit hours for full-time status	12	12	12	12	12	12	12	12
Cumulative total	12	24	36	48	60	72	84	96
Required cumulative GPA for financial aid	2.0	2.0	2.0	2.0	2.0	2.0	2.0	2.0

The chart contains a schedule of the cumulative GPA that must be maintained and the number of credit hours that must be completed each full-time equivalent semester of enrollment. Full time status for all students is 12 credit hours. Federal regulations require students to complete their program of study in a 150% time frame. This time frame is reflected in the chart and is semester rather than credit hour based. Standards apply proportionately to enrollments less than full time. For example, by the end of the second semester of enrollment at the College, a full time CEU student must have completed at least 24 credit hours and have a cumulative GPA of 2.0 (C). By the end of the 4^th semester, the student must have completed a minimum of 48 credit hours and have maintained a GPA of 2.0(C). Note that the GPA requirement is higher for most scholarship recipients. The college does not consider incomplete grades, withdrawals, or audits when determining hours successfully completed. The repeat of courses is allowed until the student reaches a 150% time frame. At that point, repeats must be approved on a case by case basis by the Office of Student Financial Services.

      The chart also shows the maximum time frame in which students must complete their degree or certificate as measured by semesters. Students completing additional hours to transfer to another school and/or receive a double degree must notify Financial Aid of such intent, complete the required appeal form and be approved, or risk being suspended from aid.   Transfer hours from other post-secondary institutions are not counted in the qualitative calculations but will be counted in total hours completed toward a degree/certificate in quantitative progress calculations as determined by the Registrar. Students taking remedial courses have an additional two semesters to complete their program under special circumstances as determined by academic advising.

      There are instances where no aid will be awarded. That occurs when a student no longer demonstrates willingness to maintain Satisfactory Academic Progress or Good Standing. Furthermore, because this policy allows the lowest possible minimums for measurement of Satisfactory Academic Progress, a single probation period will be granted. This means that the cumulative GPA must be improved to a 2.0 and/or deficient hours made up to equal the required number of credits. However, if no credit is earned or the cumulative GPA is below 1.0 or D average, scholarships/financial aid will be suspended. If the student does not meet satisfactory academic progress standards the following semester, financial aid will be suspended. If an aid recipient has his or her student account credited from student aid before grades are available and it is later determined he or she is no longer eligible, the Office of Student Financial Services has the right to cancel the student aid to recover student aid funds. Circumstances that commonly result in a student being denied are:

1.       The student’s GPA is below the scheduled minimum.

2.       The student’s credits completed are less than the scheduled minimum.

3.       The student has enrolled in the maximum number of semesters designated for a program but has not completed the requirements.

4.       The student has completed degree requirements in a particular major and has changed majors or is taking transfer hours and has not informed the Office of Student Financial Services and completed the necessary appeal.

5.       The student’s appeal is denied.

If a student is not eligible to receive financial aid at the time of application, or eligibility is terminated for failure to maintain Satisfactory Academic Progress, the student may again become eligible. To do so, the student must attend school, on personal resources, for the number of semesters needed to raise the GPA and/or complete the credit hours required to equal the scheduled minimum standard. Hours completed on personal resources after suspension of aid will be counted as make-up hours when a student is deficient in credit hours towards quantitative progress. No payments will be made up and no adjustments will be made in future payments to compensate for the loss of aid during semesters of ineligibility. Students have the right to appeal through the Financial Aid Appeals Process, due to extenuating circumstances which may have caused the ineligibility; such circumstances may be illness, injury, death of a loved one or lack of preparation for college course work.  Student Federal Stafford Loans are not available to students approved through an appeal until the condition of the appeal has been met. For information on the appeal process, contact the Office of Student Financial Services.

On December 1, 1994, the U.S. Department of Education instituted Cash Management requirements for institutions of Higher Education. These requirements affect the crediting and disbursement of financial aid funds. Highlights of these regulations are as follows:

1.       The College cannot disburse financial aid funds to a student’s account until the student is enrolled in classes for the semester for which the funds are intended.

2.       The earliest the College may credit a student’s account with financial aid funds is 10 days before the first day of the payment period.

3.       The College can only credit student accounts for allowable charges; i.e., tuition, fees, room and board if on campus. Any discretionary charges on the account may only be credited by financial aid if the student or the student’s parent, in the case of a PLUS loan, authorizes it through a signed statement. This authorization may be rescinded at any time by contacting the Office of Student Financial Services.

4.       If, after all allowable and authorized expenses are paid a balance is owed the student, it must be paid within 14 days.

5.       Financial aid checks are available at the CEU Cashier, Monday through Friday from 8:00 a.m. to 5:00 p.m. If an Electronic Funds Transfer is used for a FFELP or Perkins Loan, CEU will notify the student when funds are credited to the account, the amount expected in a refund and when it should be available.

A student who has received Title IV grant or loan assistance and withdraws from CEU during a payment period must have a "Return of Title IV Funds" calculated in accordance with Part 668.22 of the Higher Education Act.   A return of Title IV funds is owed when a students total amount of Title IV grant and/or loan assistance, that the student earned, as calculated in the Return of Title IV funds formula, is less than the amount of Title IV grant or loan assistance that was disbursed to the student or on behalf of the student in the case of PLUS loans, as of the date CEU determines the student to have withdrawn.   The difference between the earned Title IV funds and the unearned aid, will be returned to the Title IV programs by CEU.   Title IV funds will be returned to the program from which the funds originated, not to exceed the amount disbursed from that fund in the following order: Unsubsidized Stafford Loan, Subsidized Stafford Loan, Perkins Loan, PLUS, Pell Grant, Federal Supplemental Opportunity Grant(FSEOG) and other Title IV programs.   Title IV funds unearned by the student as determined by the Return of Title IV assistance formula will be returned as follows: Unsubsidized Stafford Loan, Subsidized Stafford Loan, Perkins Loan, PLUS, Pell Grant x 50%, FSEOG x 50%; and other Title IV funds x 50%.  

Student's owing a repayment to Title IV programs remain ineligible for further Title IV assistance until the grant is repaid, unless the student enters into a repayment agreement with CEU Business Office/Accounts Receivable. This agreement will provide the student with the terms of repayment which must be concluded within two years of the date of withdrawal. Once a student enters this agreement he or she is again eligible for Title IV assistance but this agreement must be entered in within 45 days of withdrawal. Should the student fail to meet the terms of the repayment agreement CEU will turn the student's account to the Department of Education(DOE) for collection. If the student enters into and maintains a repayment agreement with DOE the student again becomes eligible for Title IV assistance. The following is a description of the "Treatment of Title IV Funds When a Student Withdraws from a Credit Hour Program," formula.

Step 1: The college will determine if the student received or was eligible to receive Title IV assistance.

A: Total of Title IV Aid Disbursed (not aid that could have been disbursed) for the period of enrollment.

B: Total of Title IV aid disbursed plus the Title IV aid that could have been disbursed for the enrollment period.

Step 2: The college will determine the percentage of Title IV aid earned by the student.

This is accomplished by determining the last date of enrollment as established by a notice of intent to withdraw or an official withdrawal to the Registrar, attendance records for nursing and cosmetology, an academically-related activity such as an exam, a tutorial, computer-assisted instruction, academic counseling or advisement, turning in a class assignment or attending a study group assigned by the instructor.   If a student notifies the Registrar of intent to withdraw, either orally or in writing, does not withdraw at that time but subsequently withdraws, the first date of notification will be used in establishing the date of withdrawal.   If CEU determines that a student did not begin the withdrawal process due to illness, accident, grievous personal loss, or other such circumstances beyond the student's control, the date that CEU determines is related to that circumstance will be used as the official date of withdrawal.   If a student dropped out without notifying CEU the student's withdrawal date will be the midpoint of the semester or one of the previously mentioned activity dates if that date can be documented.   Students who drop out are those who earn no credit for the semester or only earn credit in a seminar course.

The college will calculate the total number of days in a semester minus any period during the semester when a break occurs which is five days or longer.

The student's total number of days completed is then divided by the total number of eligible days in the semester.   If the resulting percentage is less than or equal to 60% a Return of Title IV Funds calculation is required.   If greater than 60% (with or without rounding), no return of funds is required.

Example:     58 days   divided by    115 days   =    50%

Step 3 : The college determines the amount of Title IV aid that was earned by the student.  

The amount of assistance earned by the student is determined by multiplying the percentage calculated in step 2 by the total Title IV aid disbursed plus the Title IV aid that could have been disbursed for the semester as determined in step 1, B.  

Example:      50%     X    $1,875     =     $937.50  

Step 4 : The college now determines total Title IV aid to be disbursed or returned.

A.   If the amount in step 1, A is greater than the amount in step 3, (already disbursed Title IV aid),   then go to 4, C.   If the amounts are equal, stop here.   No further action is necessary.

B.   If the amount in step 3 is greater than the amount in step 1, A (see example)  a post-withdrawal disbursement is required. A post-withdrawal disbursement is required to either pay unpaid institutional charges or to be paid to the student.   To determine the amount of the post-withdrawal disbursement the resulting amount from step 3 is subtracted from the total aid disbursed in step 1, A.   The balance is then used when completing the Post-Withdrawal Disbursement Tracking Sheet which is discussed later in this section.

Example#1:     $1,875     -     $937.50   =     $937.50     Since this amount is greater than the amount from step 1, A,  post-withdrawal disbursement is required. See the formula for Post-withdrawal disbursement.

C.   The college now determines the total Title IV aid that must be returned.

The amount to be returned is calculated by subtracting the amount of aid earned from step 3 from the total aid disbursed, step 1.   This is the amount of Title IV aid that must be returned.

Example:     $1,875    -     $937.50    =     $937.50

 

Step 5 : The college determines the amount of unearned Title IV aid due from CEU.

A.      Allowable institutional charges for the semester are: Tuition and fee’s, Board (if on campus), Room (if on campus), Other.

B.      Total of the Title IV aid unearned (100% - step2).

C.      Multiply Institutional charges in step 5, A by the percentage calculated in step 5, B. The resulting figure is the amount to be repaid to Title IV grant or loan by CEU.

D.     Compare the amount of Title IV aid to be returned in step 4, C to step 5, C, and the lesser amount is to be returned by CEU.

Example: Institutional charges = $711
Percentage unearned 100% x 50% = 50%
$711 x 50% = $355.50
The lesser amount is 355.50 which must be returned by CEU

Step 6 : CEU will return the unearned aid for which it is responsible as determined in step 5, D.   These funds will be returned in the following order, up to the total net amount disbursed from each source: Unsubsidized Stafford Loan, Subsidized Stafford Loan, Perkins Loan, PLUS, Pell Grant, FSEOG and other Title IV programs.

Example: Pell Grant will receive $355.50 in a return of funds from CEU.

Step 7 : Students initial amount of unearned Title IV aid which must be returned is determined as follows. The amount returned by CEU as determined in step 4, C is subtracted from the amount determined in step 5, D.   The resulting amount is what the student must return to the Title IV programs as unearned aid.

Example:     $937.50     -    $355.50    =    $582.00 

Step 8 :   The student (or parent for a PLUS loan) must return unearned aid for which the student is responsible per step 7 by repaying funds to the following sources, in order, up to the total net amount disbursed from each source, after subtracting the amount the school will return.   Amounts to be returned to grants are reduced by 50%. The order is: *Unsubsidized Stafford Loan,* Subsidized Stafford Loan, *Perkins Loan, *PLUS, Pell Grant x 50%, FSEOG x 50% and other Title IV programs x 50%.

Example:   Pell Grant $582.00     x     .50    =     $291.00

*Loan amounts are returned in accordance with the terms of the promissory note.   The holder of your loan will be notified as to the last date of attendance.

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To be considered for financial aid, the following is required:

1.The student is admitted to the college in a degree program as a high school graduate with a high school diploma, a high school equivalency test (GED), or is 18 years of age and has been determined to have an ability-to-benefit through testing provided by the CEU Testing Office. A completed CEU Supplemental Financial Aid Application. A completed Free Application for Federal Student Aid (FAFSA), resulting in a Student Aid Report (SAR), or an Institutional Student Information Report (ISAR). The FAFSA can be completed on the web at http://www.fafsa.ed.gov Documentation of information submitted on financial aid applications is required if the application is selected for verification.

2.The student meets all other eligibility requirements as established by the U.S. Department of Education, State of Utah, College of Eastern Utah and/or the funding agency.

The priority deadline for the first awarding cycle is March 15, annually. Additional information or help is available through the Office of Student Financial Services. Please come in or call with your questions. It is important to have the right answer the first time rather than being delayed by corrections. Corrections can be made electronically by the financial aid office.

Financial aid is disbursed to individual student accounts up to 10 days prior to the first day of class. If after tuition, CEU Senate approved fees, on campus room and board, short term loans and other student/parent authorized charges are paid and a balance remains, the balance will be paid by check. This check will be issued in the financial aid recipient’s name and can be picked up at the cashier’s window. Refund checks must be picked up 15 days from the issuance date or the check is subject to cancellation. No refund checks may be picked up prior to the first day of class or before attendance is verified. A freshman first time borrower of a student loan, can not pick up the loan check until 30 days into the semester.

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If, at the time of withdrawal, CEU makes the determination that less aid was disbursed than the student was eligible to receive, a post-withdrawal disbursement will be offered.   Post-withdrawal disbursements will continue to be offered within 30 days of the date CEU determined the student withdrew, will be in writing and will identify the types and amounts of Title IV funds that make up the post withdrawal disbursement. Students or parents will be notified that they can accept or decline some or all of the post-withdrawal disbursement that has not been credited to the student's account to pay unpaid institutional charges. Post withdrawal disbursements to the student/parent will be canceled if no response is received to this notification within 14 days of initial notification.   CEU may disburse this payment at a later date if the student or parent subsequently request the payment.   This payment will be processed within 90 days of the request in the current fiscal year; if not in the current fiscal year, the request will be denied.   Notification will be provided to the student or parent in writing of CEU's decision to process or not to process the post withdrawal disbursement.   Post-withdrawal disbursements will first be made from grant programs and then from student loans if the loan is through EFT.

The following steps will be followed in determining a post-withdrawal disbursement:

Step 1 : Determine the amount of the post-withdrawal disbursement as calculated in step 4, B of the Return of Title IV Funds procedures.

Example: In the example used it was determined that Pell Grant had not yet been disbursed, but the student was eligible prior to withdrawal. Based on step 4, B, the post-withdrawal disbursement is: $937.50

Step 2 : Determine the post-withdrawal disbursement which will be credited to the students account.

A.   The outstanding institutional charges on the student's account are,  $711.00   

B.   CEU will credit a post-withdrawal disbursement to the following:

1. Amount credited for tuition, fees, room & board ( if living on campus) is: $ 711.00

2. Amount credited for other charges is:                          $0.00

3.   Amount credited for prior year charges less than $100 is:             $0.00

4.  Total amount credited to student account is: $711.00

Step 3 : The balance of the post-withdrawal disbursement will be offered to the student or parent.

A.   The total amount of post-withdrawal disbursement from step 1,  subtracted from the post-withdrawal disbursement credited to the students account from step 2, B equals the amount to be offered to the student/parent.

Example: Total post-withdrawal amount from step 4, B,  Return of Title IV Funds, is: $937.50 minus the amount credited to the student account $711, equals $226.50  The amount of $226.50 will be offered to the student.

Examples of these policies and procedures are available upon request from the Office of Student Financial Services.

Federal Pell Grant is a federal Title IV grant program to help undergraduates pay for educational costs after high school. For many students, these grants provide a foundation of financial aid to which aid from other Federal and non-Federal sources may be added. Unlike loans, a Pell Grant does not have to be repaid. In order to receive a Federal Pell Grant you must be enrolled in an eligible certificate or degree program as outlined in this catalog. The amount of the award is based upon the Effective Family Contribution (EFC), the cost of attendance, enrollment status, and a payment schedule issued by the U.S. Department of Education. The award may range from $0 to $4,050 per academic year. The award schedule may be adjusted pending Congressional Budget Authorizations.

Federal Supplemental Educational Opportunity Grant (FSEOG) is another Title IV grant program which provides additional funds from the Federal Government to exceptionally needy students. This grant must be combined with other forms of aid and is non-repayable. A grant may range from $200 to $1,000 per academic year. These funds are limited and awarded to eligible students who meet the priority service deadline, then to others.

Leveraging Educational Assistance Partnership Program (LEAP) is a federal grant program matched by the State of Utah. Only Utah residents are eligible. The award may range from $100 to $600 per academic year. These funds are limited and awarded to eligible students who meet the priority service deadline, then to others.

Utah Disadvantaged Grant Price Campus The Utah State Legislature has appropriated funds to College of Eastern Utah to be used as grants and scholarships for disadvantaged students. These funds are awarded to Utah residents based on disadvantaged criteria as determined by the college. This award is usually combined with other forms of aid and is non-repayable. Awards generally range from $100 to $2,000 per academic year.

Utah Centennial Opportunity Program for Educational Grants – The Utah State Legislature has appropriated funds to the College of Eastern Utah to be used as grants for Pell Grant eligible students. This award may range from $300 to $3,000 per academic year. Only Utah residents are eligible. These funds are limited and awarded to eligible students who meet the priority service deadline, then to others.

Federal Work Study (FWS) funds provide opportunities for students to work part-time and earn income to help meet educational expenses. Salaries are usually equal to current minimum wage, but the maximum amount a student may earn in an academic year is determined by the Office of Student Financial Services. Federal Work Study awards generally range from $300 - $3000 per academic year. Federal Work Study students are encouraged to perform community service employment and/or to participate in the America Reads Program. Funds are limited and awarded to eligible students who meet the priority service deadline, then to others.

Utah Centennial Opportunity program for Education – Work Study – The Utah State Legislature has appropriated funds to the College of Eastern to be earned through work study for Pell Grant eligible students. This award may range from $300 to $3,000 per academic year. Only Utah residents are eligible. These funds are limited and awarded to eligible students who meet the priority deadline, and then to others.

Federal Perkins Loan is a Title IV, low-interest loan for undergraduate students with exceptional need as determined by the FAFSA. CEU is the lender. The loan is made with government funds with a share contributed by the State of Utah. Although the money must be repaid, no payments are made and no interest is charged until nine months after the borrower ceases to be enrolled at least half-time. When interest begins to accrue, it is at the rate of 5% per year as presently mandated by law. A minimum monthly payment of $30.00 for those who borrowed prior to October 1, 1992 and $40.00 for those who borrow after October 1, 1992, is required when the loan comes due. Under special circumstances, payments may be deferred for a time or canceled (contact the CEU Perkins Loan Office for additional information). A loan counseling entrance and exit interview is required of every student who receives a Perkins loan.

Federal Stafford Student Loans (FFSL subsidized) is a low interest loan made to the borrower directly by a lender such as a bank or credit union. Depending on need and eligibility a borrower may borrow up to $2625 per year as a freshman and $3500 as a sophomore at a two-year institution. The minimum monthly payment, which begins six months after the borrower ceases to be enrolled at least half-time, is $50 . A loan counseling session is required prior to receiving the loan and before leaving the college, other counseling and/or documents may be required at the discretion of the Student Loan Counselor. A subsidized loan is one where the U.S. Government pays the interest while the borrower is in school or in deferment status. Deferment, forbearance or cancellation of payments are available for special circumstances. See the CEU Loan Counselor for additional information on these options.

Federal Unsubsidized Stafford Loans (FUSL) is a low-interest loan made to the borrower directly by a lender such as a bank or a credit union. Any student who has applied for a Pell Grant is eligible for a FUSL loan up to a maximum of $4000 for independent undergraduate students. Dependant undergraduate students whose parents are unable to obtain a Federal PLUS Loan are eligible for increased FUSL limits. These maximums include portions of FSSL that may qualify for federal interest subsidies as described above. Repayment of interest on the loan begins from the date of last disbursement, however interest may be capitalized at the borrowers request. Contact the CEU Loan Counselor for further information.

Federal Parent Loans for Undergraduate Students (FPLUS) provide funds for educational expenses for borrowers who are parents of dependant students enrolled at least half-time. The loan is made by a lender such as a bank or a credit union. The variable interest rate is adjusted annually. A parent may borrow up to the students educational expenses, as determined by the college, minus other financial aid resources. Although the FPLUS is not based on need, the amount of the loan may never exceed the students cost of attendance, as determined by the college minus the students other financial assistance. A PLUS borrower enters repayment at the time the loan is fully disbursed. Contact the CEU Loan Counselor for further information. For additional information on the Title IV financial aid program specifics, please request from CEU a copy of the “The Student Guide” published by the U.S. Department of Education.

A more detailed description of these programs may be found in the U.S. Department of Education’s “Financial Aid – The Student Guide”.

The following is a estimated budget for a full-time student living on campus and attending CEU one academic year, which is two academic semesters.

Price Campus – On Campus 2002-2003

	Resident	Non-Resident
*Tuition and Fees	$1,980	$7,122
Room and Board	$3,026	$3,026
Books and Supplies	$730	$730
Transportation	$994	$994
Personal	$986	$986
Total	$7,716	$12,855

San Juan Campus – On Campus 2002-2003

	Resident	Non-Resident
*Tuition and Fees	$1,980	$7,122
Room and Board	$4,540	$4,540
Books and Supplies	$744	$744
Transportation	$1,048	$1,048
	$2,348	$2,348
	Total$10,660	$15,802

*Tuition and fees is subjected to change based on the Utah Legislature and Utah Board of Regents.

            Disabled Students may request a budget increase for educational costs associated with their disability if these costs are not being paid by another agency upon individual appeal. Child care expenses may be added to this budget (upon individual appeal) if not being paid by another agency.

            Tuition, fees, books, supplies, room and board are subject to change without notice. Expenses are charged by semester.