Fall 2015 Graduate and Professional Studies Catalog 
    
    Dec 03, 2021  
Fall 2015 Graduate and Professional Studies Catalog [ARCHIVED CATALOG]

Financing a PLNU Education


 

Tuition and Fees

This Catalog section contains information on financing an education at Point Loma Nazarene University. In addition to tuition rates and fees, it outlines financial aid policies and enumerates the financial aid available to the graduate student. Questions on financing an education at PLNU should be referred to the Office of Graduate and Professional Student Services.

Tuition and fees are subject to change on an annual or cohort basis and vary according to academic program.

Tuition Rates

The following tuition rates apply to graduate programs.

Program   Cost Per Unit
Department of Biology   $690
School of Education, San Diego   $595
School of Education, Bakersfield   $580
Master of Business Administration (M.B.A.)   $785
Master of Science in Kinesiology   $650
Master of Arts in Strategic Organizational Leadership (M.A.S.O.L.)   $464
Master of Ministry (M.Min.)   $250
Master of Science in Nursing (M.S.N.)   $735

University Fees



Application Fees $50
Enrollment Deposit $100
Audit fee, per unit $150
Clinical Practice/Intern fee, per unit (School of Education  ) $75
Teacher Performance Assessment fee #1- non-refundable (School of Education ) $250
Teacher Performance Assessment fee #2-non-refundable (School of Education  ) $250
ePortfolio Technology fee (M.B.A., M.S.N., M.A./M.S. in Biology, M.A. in Religion) - non-refundable $120
Thesis Extension fee, per semester (M.B.A., M.S.N., M.A./M.S. in Biology) $600
Thesis  Extension fee, per semester (M.A. in Religion) $300
Thesis Binding Fee $50
Research Project Fees (BIO, SOE) $15
M. Min. Independent/Directed Study Fee, per unit $90
Graduation fee $100

Payment Information

Billing Process

A Statement of Account, which contains the class schedule as well as the semester charges and financial aid, is posted to the student portal of all registered students prior to the beginning of each semester. An email is sent to the student’s PLNU Gmail account with a statement that has been generated. The Statement of Account serves as the invoice from which payment should be made. In addition, monthly statements are generated electronically on the student portal for students who continue to have an owing balance, and an e-mail reminder is sent to the student (and/or to another individual specified by the student) directing the student to view the statement online.

Payment Options

Payments can be paid in cash, check, money order, cashier check, or electronic check. Credit cards and debit cards are not accepted.

  • Payment in Full. Payment of total charges for the enrolled session is due by the end of the second week of classes. The actual date will be specified on the student’s monthly bill.
  • Multiple Payments. Payment of total charges for a semester may be divided into two or three equal payments. All charges must be paid before the end of the applicable term and accounts may be placed on hold until the final payment is received. Students interested in this option must enroll in PLNU’s Tuition Installment Plan (TIP) through the student portal by the semester’s payment due date. This option is subject to a $30 (for three-pay) or $20 (for two-pay) non-refundable enrollment fee and is unavailable after the term’s payment due date.
  • Financial Aid. Students desiring to use scholarships, grants, and/or loans to pay their charges must complete the Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov. Students must notify the office of Graduate and Professional Student Services if they expect to receive scholarships or grants from outside agencies, including employer reimbursement. Students who do not complete the financial aid application process by the payment deadlines will be subject to late fees and required to pay their balances in full.

Late Fees

Students who do not settle their bills by the above mentioned methods will be charged a late fee of 5% of their owing balance. The late fee will be charged at the end of the last business day of the second week of classes. The university reserves the right to remove students from classes for non-payment. Students paying their bills with financial aid must have completed a FAFSA and any other required documents and be packaged with financial aid in order to avoid a late fee. Any part of the bill that is not covered by ‘Pending Aid’ will be subject to late fees. Students enrolled in PLNU’s Tuition Installment Plan (TIP) by the semester due date are not charged late fees unless the payment contract is canceled, past due, or does not cover the full balance. Delinquent or returned payments will incur a $25 late or returned check fee.

Holds

A financial hold will be placed on all accounts with an owing balance and will not be released until the student has settled the account. A financial hold will prevent class registration, transcript and/or diploma release, and participation in the commencement ceremony.

Tuition Refund Policy

Students may receive a full or partial refund for any dropped course provided that: 1) the course is dropped within the parameters of the refund schedule 2) the course is dropped via online registration, email, or a signed Change of Schedule form turned into the appropriate Branch Campus by the close of the business week for which the student wishes to receive a tuition refund (Friday at 4:30 pm, exempting holidays). Dropping courses may change a student’s financial aid eligibility. Please check with a Graduate and Professional Student Services Advisor before making any changes to your schedule.

Refund Schedule

  100% Refund 75% Refund 50% Refund 25% Refund NO REFUND
COURSE DROPPED WITHIN:
Semester Course Weeks 1-2 Weeks 3-4 Weeks 5-6 Weeks 7-8 Weeks 9-16
8-9 Week Quad Week 1 Week 2 Week 3 Week 4 Weeks 5-9
5-6 Week Course Week 1   Weeks 2-3   Weeks 4-6
5,8-Hour Class Meetings Class 1   Classes 2-3   Classes 4-5
3,8-Hour Class Meetings Class 1     Class 2 Class 3
3 Week Course Classes 1-2 Classes 3-4 Class 5 Classes 6-7 Classes 8-12
Other Configurations Refund is based upon the percentage of class time elapsed in a proportional manner to the semester and quad schedules.

Thesis Extension Fee

If a thesis or applied project is required for a degree program, students are expected to complete a thesis or applied project in a timely manner. When additional time for completion is required by the student, an extension fee is charged to the student’s account. The fee allows students to remain in the university system for library resources privileges, access to the computer system, and other support services. The fee is charged each semester until a grade for the thesis or applied project is recorded in the Office of Records. While the fee generates an account charge to students, no additional units are applied to the transcript. The extension fee is automatically charged to the student account, requiring no formal registration by students.

If a student withdraws from the academic program prior to completing the thesis or applied project, the course will be graded NC (No Credit) or F. Students who are readmitted into their program will be required to file a petition with the academic department chair or school dean to register for the balance of units in the required thesis or applied project. If a balance exists in the student’s account, the payment of regular tuition and fees will be required prior to being readmitted.

Graduation Fee

A non-refundable graduation fee is charged to all graduate students during the final semester during which they are candidates for a degree. The fee supports the costs associated with graduation, especially the activities around graduate commencement convocation. The fee is assessed once per degree, even if the student does not plan to participate in graduation exercises.

Health and Accident Insurance Fee

Graduate students may purchase health insurance, but must submit an application and payment for the insurance during the first four weeks of each semester. Current fee information and insurance applications for insurance are available online at www.pointloma.edu/wellness.

The university is not responsible for loss or damage to personal property.

ePortfolio Technology Fee

Point Loma Nazarene University has adopted a web-based tool, LiveText ePortfolio, to provide students a place to create and store an online ePortfolio. The use of this technology also allows the university to collect student work and assess academic programs. Students are being assessed a non-refundable LiveText ePortfolio technology fee. A one-time fee of $120 will be charged to each MBA, MSN, MA/MS Biology and MA Religion student associated with a specific course toward the beginning of the student’s program.

FERPA

Students are responsible for handling all financial matters related to their attendance at the university. FERPA, the federal “Privacy Act,” prohibits sending statements to a spouse or parent of students 18 years of age or older without written permission of the student.

Financial Aid at PLNU

The financial assistance program at Point Loma Nazarene University consists primarily of Federal Direct loans, but also includes a limited number of federal, state, and institutional grants, and external scholarships and grants awarded by corporations and civic organizations. Financial assistance is intended to recognize and assist students who otherwise would be unable to attend the university.

The university recognizes that the primary responsibility for paying expenses rests with the student (and spouse, if married) and parents (of federally-determined dependent students) who are expected to contribute in proportion to their resources. Any financial assistance awarded by the university is intended to help bridge the gap between the student’s expected family contribution and the cost of attending PLNU.

Some forms of financial assistance are awarded to students based on need. A student’s financial need is determined by completion of the Free Application for Federal Student Aid (FAFSA). Various federal and state regulations, institutional policies, and funding-level limitations may affect the types and amounts of financial assistance that a student may receive from year to year. Additionally, changes in information, enrollment, or circumstances may cause financial assistance awards to be reduced, increased, or eliminated subsequent to the initial determination of these awards. The reduction or elimination of awards may cause a student to owe a balance to the university.

Applying for Aid at PLNU

To receive any type of federal or state aid at PLNU, the student must complete the FAFSA (Free Application for Federal Student Aid) or renewal FAFSA each academic year of enrollment. The information on the FAFSA is transmitted to the schools listed by the student on the application. PLNU’s school code for this purpose is 001262. The FAFSA application can be submitted online at www.fafsa.gov. Federal Direct Unsubsidized Loans may be renewed each academic year, provided students remain financially and academically eligible (Review SAP policy here). An award letter is issued to students after they have been accepted into an eligible program at PLNU and have completed a FAFSA application. In order for aid to disburse to the student’s account, it must be accepted online through PLNU’s student portal at my.pointloma.edu. Unsubsidized loans begin accruing interest at the time of disbursement; we recommend that students carefully consider their needs and accept the least amount of loans necessary to cover educational expenses. Students will receive notification via their PLNU email at the time funds are disbursed to their student account.

Financial Need

Financial Need is defined as the difference between the student’s Cost of Attendance (COA) for the academic year and the “Expected Family Contribution” (EFC) as determined by completion of the FAFSA.

The cost of Attendance is determined by the university and is based on an estimation of reasonable expenses incurred by the majority of students, including tuition, fees, room and board, books and supplies, transportation, and miscellaneous costs. (See Table below for information on the calculation of COA).

The Expected Family Contribution (EFC) is a statistical figure based on a federally mandated formula using the financial information provided on the FAFSA by the student and spouse (if applicable) that represents the student’s ability to contribute to the cost of the education.

Cost of Attendance Calculation:

Fees May include estimated or actual Assessment and Student Teaching fees.
Tuition Set as default enrollment status amounts unless otherwise requested. May be adjusted based on enrollment status (full time, 3/4 time, half time).

Room & Board
(Average Grocery, Rent)

Determined by CSAC’s Student Expense Budget for California. May be adjusted based on length of enrollment (single quad/full semester).
Books & Supplies
(Books, Educational Supplies, Course Fees, Computer Expenses)
Determined by CSAC’s Student Expense Budget for California. May be adjusted based on enrollment status (full time, 3/4 time, half time).
Miscellaneous (Health and Miscellaneous) “Other expenses” category determined by CSAC’s Student Expense Budget for California. May be adjusted based on length of enrollment (single quad/full semester).
Transportation Cost of transportation to and from classes. Determined by CSAC’s Student Expense Budget for California. May be adjusted based on enrollment status (full time, 3/4 time, half time).
Loan Fees Estimated cost.

Appeals for Special Circumstances

Federal regulations provide the Graduate and Professional Student Services office with discretionary authority to make case-by-case adjustments to student FAFSA data in cases of special circumstances. Special circumstances include:

  • Documentable significant reductions to income (Loss of job, reduction of work hours, marital separation, etc.)
  • Unusually high medical or dental expenses (only uninsured amounts not included on tax return)

If a student believes there are special circumstances that should be reviewed, the student must submit an Appeal Form for Special Circumstances (available at the Graduate and Professional Student Services office or online at www.pointloma.edu/gradsfsforms) with supporting documentation.

Financial Aid Programs

Need-Based Federal Loan Programs

Perkins Loan

The Federal Perkins Loan is a low-interest federal loan for graduate students who demonstrate exceptional financial need as determined by the FAFSA. The interest rate is fixed at 5% for the life of the loan, and begins accruing nine months after graduation, withdrawal, or dropping to below half-time status. Repayment also begins at this time. Students have up to ten years to repay the loan. Payments are made through PLNU’s loan servicer, ECSI. Students awarded a Perkins Loan must sign a Perkins Promissory Note and complete online Entrance Counseling before funds can be credited to the student account. Students must complete a 2015-2016 FAFSA to determine eligibility. When a student graduates, withdraws from the university, takes an approved leave of absence, or drops below half-time status, Perkins Loan Exit Counseling is required. Awarding of a Perkins loan in subsequent years is subject to changes in federal regulation, institutional policy, and funding availability. Therefore, a Perkins loan should not be considered an automatically renewable resource.

Need-Based State Aid

Cal Grant Teaching Credential Program (TCP)

Cal Grant A or B recipients who meet the following requirements should contact the California Student Aid Commission (CSAC) for information and application materials or visit CSAC at: www.csac.ca.gov:

  1. Have received a bachelor’s degree;
  2. Are accepted to and have enrolled in a professional teaching preparation program (Master of Arts in Teaching - MAT ) at PLNU within 15 months of the end of the semester for which the recipient last received a Cal Grant payment;
  3. Have not received or submitted an application for a Preliminary Teaching Credential;
  4. Do not currently possess any other initial teaching credential;
  5. Continue to maintain financial need for a Cal Grant.

To be eligible for the Cal TCP Program, students must be enrolled in at least three units. Students enrolled in at least three units but less than six will have their Cal Grant awards pro-rated. The tuition and fees component of the Cal Grant cannot pay more than the student’s tuition and fee charges for the semester.

Students interested in applying for the Cal Grant TCP must submit a G-44 form to CSAC, and the Commission must approve the application prior to PLNU awarding the Cal Grant.

Need-Based Institutional Aid

PLNU awards a limited number of Institutional Need Grants to graduate students with high need. Students are automatically considered for these awards and eligible students will be notified by email.

Non-Need Based Federal Programs 

Unsubsidized Federal Direct Loan

The Unsubsidized Federal Direct Loan does not require financial need and is not based on creditworthiness. The borrower is responsible for paying all the interest that accrues, from disbursement until the loan is fully repaid. For more information on the Federal Student Loan programs and interest rates, please click here. The determination of an academic year may vary by program.

Students are required to complete Federal Direct Loan Entrance Counseling before any Federal Direct Loan funds are released. Entrance Counseling is a mandatory federal requirement to advise student borrowers of their rights and responsibilities in receiving a student loan. Loan amounts are generally released in one disbursement for each semester attended. Students may accept all or a portion of their Federal Direct loan eligibility. We recommend that students carefully consider their expenses and other financial resources before determining the amount of loan to accept. Entrance counseling and completion of the Master Promissory Note (MPN) may be completed online through the Federal Direct Loan website at www.studentloans.gov and more information can be found at the Graduate and Professional Student Services section of the Point Loma Nazarene University website at www.pointloma.edu/gradsfs.

When a student graduates, withdraws from the university, takes an approved leave of absence, or drops below half-time status (registered for less than three units in a semester), Federal Direct Loan Exit Counseling is required. This is a mandatory federal requirement for all students who have received a Federal Direct Loan. Exit Counseling may be completed online through the Federal Direct Loan website at www.studentloans.gov. Additional information may be obtained from the Graduate and Professional Student Services office.

Federal Direct Graduate PLUS Loan

The Federal Direct Graduate PLUS Loan is a credit-based loan for which graduate students may apply. The Direct Graduate PLUS Loan is intended for graduate students whose educational costs exceed their Unsubsidized Federal Direct Loan eligibility. Although the loan is not based on need, the FAFSA must be completed. For more information on the Federal Student Loan programs and interest rates, please click here. Repayment begins 60 days after the final loan disbursement is made for the academic year. Students can begin the application process online at www.studentloans.gov.

Students are required to complete the Federal Direct Graduate PLUS Loan Application, Promissory Note and Entrance Counseling before any Federal Direct Graduate PLUS Loan funds are released. Entrance Counseling is a mandatory federal requirement to advise student borrowers of their rights and responsibilities in receiving a student loan. Loan amounts are generally released in one disbursement for each semester attended. Students may accept all or a portion of their maximum Direct Graduate PLUS Loan eligibility, which is limited by the Cost of Attendance and the amount of other aid awarded. We recommend that students carefully consider their expenses and other financial resources before determining the amount of loan to accept. The application, entrance counseling, and completion of the Master Promissory Note may be completed online through the Federal Direct Loan website at  www.studentloans.gov or by visiting the Graduate and Professional Student Services section of Point Loma Nazarene University’s website at www.pointloma.edu/gradsfs.

Federal TEACH Grant

The TEACH Grant program provides funds to students who are completing coursework needed for a career in teaching and agree to teach, for at least four complete academic years, in a high-need field (see this Federal List) at an elementary/secondary school, or educational service agency (click here for a definition) that serves students from low-income families (see this Federal List).

For grants disbursed on or after October 1, 2013 the annual, full time amount is $3,964 (split between 2 semesters). The aggregate limit for graduate students is $8,000.

In order to receive the TEACH grant, students must meet all of the following criteria:

  • Must have a t least a 3.25 cumulative GPA (New students qualify through their cumulative Undergraduate or Transfer GPA) in one of these Graduate Programs:
    • MA in Teaching
    • MA in Special Education
  • Must complete the FAFSA.
  • Must sign an annual Agreement to Serve, promising to teach in a high-need field at an elementary school, secondary school, or educational service agency that serves students from low-income families for at least four complete academic years after completing (or ceasing enrollment in) the course of study for which you received the grant.
  • Must complete annual Entrance Counseling, which informs you of your rights and responsibilities.
  • Enrollment must fall within the MAT or MASPED Program Plan Sheet, since the TEACH Grant is designed for specific programs leading to highly qualified teachers.

IMPORTANT: If you do not complete your service obligation, all TEACH Grant funds you received will be converted to a Direct Unsubsidized Loan. You must then repay this loan to the U.S. Department of Education, with interest charged from the date the TEACH Grant was disbursed.

Learn more here on the Department of Education’s Website.

Federal Nursing Faculty Loan

The Federal Nursing Faculty Loan is a low-interest federal loan for graduate Nursing students who intend to become full-time Nursing faculty. When meeting the Nursing faculty requirements, the interest rate is fixed at 3% for the life of the loan and begins accruing interest three months after graduation, withdrawal, or dropping to below half-time status. Loans may be forgiven up to 85% when the commitment to full-time Nursing faculty is completed. Otherwise, repayment begins nine months after graduation, withdrawal, or dropping to below half-time status, if not employed full-time as a Nursing faculty member. (Employment verification forms must be submitted to the PLNU Nursing department in order to postpone repayment and receive forgiveness.) Students have up to 10 years to repay the loan. Payments are made through PLNU’s loan servicer, ECSI. Students awarded a Nursing Faculty Loan must sign a Promissory Note and complete online Entrance Counseling before funds can be credited to the student’s account. Because of limited funding and Nursing faculty requirements, the Nursing Faculty Loan is managed through the Nursing department.

Other Non-Need Based Loan Programs

Private Loans

Private Loans are offered by various lenders who set their own criteria on credit and interest rates. Interest rates may be higher than the Federal Direct Loan and Grad PLUS Loan. Interest rates are based on PRIME or LIBOR plus a percentage tier that may range from 0% to 12% depending on the borrower’s credit and, if required, co-signer’s credit. Students should research different lenders since the criteria, interest rates, and repayment incentives on a Private Loan will vary.

Department/School Awards

Each year, various academic departments and schools award a limited number of scholarships to selected students. Students should contact their academic department or school for applications and deadlines.

Financial Aid from Outside Agencies

Various organizations, such as businesses, community groups, churches, etc. administer scholarships based on merit, community service, organizational affiliation, academic performance, or educational objective. Some of these awards require financial need. It is the student’s responsibility to research outside scholarship opportunities. The PLNU website includes a link to an outside scholarship resource, and many other scholarship searches are available online (such as collegeboard.org, fastweb.com, petersons.com). Once awarded, it is the student’s responsibility to contact the outside agency sponsoring the scholarship award and request that it send the scholarship check to PLNU. Outside scholarship awards are generally divided evenly over both the fall and spring semesters, unless the scholarship donor specifically states otherwise. Even if the scholarship donor sends the funds directly to the student, the award must still be treated as a resource,  which means that other aid in the student’s package may need to be reduced or canceled to prevent the student from being funded in excess of campus charges, financial need, and/or cost of attendance.

ROTC and Vocational Rehabilitation

Both Reserve Officers Training Corps (ROTC) and Vocational Rehabilitation (Voc Rehab) help students to pay tuition and fee charges. The award amount must be verified by the organization providing the financial assistance. Vocational Rehabilitation is treated as need-based aid and can limit a student’s eligibility for need-based financial aid programs.

VA Benefits

Veterans Administration (VA) benefits are awarded to veterans of the Armed Services and dependents who qualify. These funds may count against the student’s eligibility for other need-based financial aid programs. VA Benefits are certified by the university and may be paid directly to the student or credited to the student’s account.

The student is responsible for accurately reporting on the FAFSA the expected monthly amount of VA Benefits and the number of months the benefit will be received. Inaccurately reported VA Benefits could result in adjustments to the student’s overall financial aid package.

Questions regarding VA benefits should be directed to www.gibill.va.gov or 888-442-4551.

Other Resources

If a student receives any form of non-PLNU financial assistance, such as outside scholarships or employer reimbursement, previously awarded financial aid may need to be reduced so that funding does not exceed financial need or cost of attendance. Whenever possible, the Graduate and Professional Student Services office will reduce loan amounts before adjusting grant or scholarship assistance.

Partnership Discounts

PLNU has partnership agreements with various employers in Southern California. Please check with your Graduate and Professional Student Services Advisor if you believe you are eligible for a partnership discount.

Tuition Remission

PLNU employees may be eligible for tuition remission and should contact the Office of Human Resources at 619-849-2200 or visit the Human Resources webpage for more information.

NOTE: Although tuition remission is a benefit, it is also a resource and may limit the student’s eligibility for federal, state, and institutional aid.

Potential Limitations or Forfeiture of Financial Assistance

The following situations may limit or eliminate financial aid eligibility:

  • Not a U.S. citizen or an eligible non-citizen.
  • Not enrolled in a degree-seeking program.
  • Attending courses through a special standing status.
  • Registered less than half-time in a semester (3 units per semester for graduate students).
  • Not meeting Satisfactory Academic Progress standards (see below).
  • Defaulted on previous federal student loans (students may regain eligibility after having made satisfactory arrangements with the collection agency or the U.S. Department of Education).
  • A balance owed as a result of the over-awarding of a federal grant or loan (In this case students are required to either provide written documentation of an approved and current repayment arrangement or to pay the over-awarded balance in full).

Satisfactory Academic Progress (SAP)

In accordance with the Higher Education Act of 1965, as amended, all post-secondary institutions must establish a Satisfactory Academic Progress (SAP) policy. At Point Loma Nazarene University, all students receiving federal and state financial aid are required to make satisfactory progress in order to maintain eligibility for financial aid programs. PLNU’s SAP policy requires graduate students to complete at least 2/3 of all attempted units (the quantitative requirement) and maintain a minimum cumulative Grade-Point Average (GPA) of 3.0 at the end of each semester (the qualitative requirement). For more complete information on the university’s SAP policy, students may view our SAP Policy online or contact the Graduate and Professional Student Services office.

Requirements, Deadlines, and Application Procedures

All students requesting financial assistance must do the following:

  1. Make formal application for admission, be officially accepted into a graduate program by the Office of Graduate Admissions and be enrolled at least half-time;
  2. Complete and file the FAFSA.

Financial awards are generally made for two or three consecutive semesters (depending upon the academic program). These awards are disbursed on a semester basis, provided the student completes the required procedures and remains financially and academically eligible.

More information regarding requirements, deadlines, and application procedures can be obtained on our website at www.pointloma.edu/gradsfs.

Withdrawals

At the time a student leaves the university, all accounts must be paid in full. Any unpaid balance will accrue interest at ten percent (10%) per annum. In addition, Point Loma Nazarene University may report unpaid accounts to a national credit bureau. Students are responsible for paying all collection costs, including attorney fees and court costs as deemed reasonable, in the event a suit is instituted. Transcripts will not be released, nor will a student be permitted to participate at commencement exercises or receive a diploma, until all accounts at the university have been paid. Any financial aid received for a period in which a student withdraws will be subject to Title IV regulations and may need to be adjusted or returned.

Operational costs are sometimes affected by factors over which PLNU has no control. Therefore, the charges and financial-aid policies quoted in this catalog are subject to change without notice. (NOTE: Students should also see the information on withdrawal under the section entitled Academic and General Policies  in this catalog.)

Students who have taken out student loans to pay for any portion of their graduate education are required to complete federal Exit Counseling when graduating or withdrawing from the university. Online Exit Counseling can be completed at www.studentloans.gov. Failure to complete Exit Counseling may cause a hold to be placed on transcript and diploma release.