2012-13 Graduate Catalog 
    Jun 19, 2021  
2012-13 Graduate 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 Student Financial Services.

Tuition Rates

The following tuition rates apply to graduate programs.

Regional Center   Cost Per Unit  
Arcadia - Education   $550  
Bakersfield - Education   $550  
Inland Empire - Education   $550  
Mission Valley      
- M.A. /M.S. in Biology    $645  
- M. A. in Education  /M.A.T.    $550  
- M.A. in Religion    $325  
- M.B.A.     $740  
- M.Min.    $150  
- M.S.N.    $680  

University Fees

Application Fees $50
Late application fee N/A
Audit fee, per unit $150
Clinical Practice/Intern fee, per unit (School of Education ) $75
Teacher Education Assessment fee - non-refundable (School of Education ) $500
ePortfolio Technology fee (M.B.A., M.S.N., M.A./M.S. in Biology, M.A. in Religion, M. Ministry  ) - non-refundable $120
Biology Thesis Extension fee, per semester $600
MBA Thesis Extension fee, per semester $600
Nursing Thesis Extension fee, per semester $600
Religion Thesis  Extension fee, per semester $300
Thesis Binding Fee $40
Independent Study Fee $250
M. Min. Independent/Directed Study Fee $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 sent to all students once the student is registered for the semester. The Statement of Account also 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 (or to another individual specified by the student) directing the student to view the statement online.

Payment Options

  • Payment in Full. Payment of total charges for the enrolled session is due by the date specified on the student’s monthly bill.
  • Multiple Payments. Payment of total charges for a semester may be divided into four equal payments. Students enrolled in a single quad may divide their charges into two equal payments. All charges must be paid before the end of the applicable term. Students interested in this option must enroll in PLNU’s Tuition Installment Plan (TIP) through the student portal by the semester’s bill due date. This option is subject to an enrollment fee and is unavailable after the term’s bill due date.
  • Financial Aid. Students desiring to use scholarships, grants, and/or loans to pay their charges must complete the FAFSA. Students must notify the office of Graduate Student Financial 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 (including application for loans) by the set deadlines will be 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 monthly late fee equal to 1% of their pending bill. The first fee will first be charged the next business day following the bill’s due date and will be charged each subsequent month until the end of the semester. 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 for the balance to not be subject to a late fee. Any part of the bill that is not covered by ‘Pending Aid’ will be subject to the late fees. Students enrolled in PLNU’s  multiple payment plan are not charged late fees unless the payment contract is cancelled or past due, or does not cover the full balance.

Refund Policy

Refunds or adjustments of student accounts arising from registration changes are made as of the date the Change of Schedule form is filed at the student’s location. Students may receive a 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 Regional Center by the close of the business week for which the student wishes to receive a refund (Friday at 4:30 pm, exempting holidays).

Refund Schedule

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


Thesis/Applied Project Extension Fee

Students are expected to complete a thesis or applied project in a timely manner. When additional time for the completion of a thesis or applied project 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. Charges for the extension fee are automatic requiring no formal action 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, even if the student does not plan to participate in graduation exercises.

Health and Accident Insurance Fee

Graduate students may obtain insurance but must apply specifically for the insurance during the first four weeks of each semester. The fee for each academic year is determined at the time the catalog is posted online. 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. The LiveText brochure states, “LiveText is a comprehensive, web-based solution that measures the improvement of both student learning and institutional programs.” The adoption of the ePortfolio tool by graduate academic programs will result in students being assessed a non-refundable LiveText ePortfolio technology fee. A one-time fee 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.

Financial Aid at PLNU

The financial assistance program at Point Loma Nazarene University consists primarily of Federal Direct loans, but also includes a limited amount of state grants, PLNU institutional aid, and external aid, including 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. The student’s financial need and eligibility for various programs and the family’s ability to pay are determined by analyzing the information submitted on 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 and circumstances may cause financial assistance awards to be reduced, increased, or eliminated subsequent to the initial determination of these awards.

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. The FAFSA application can be submitted online at www.fafsa.gov. For Federal Direct Unsubsidized Loans, awards may be renewed every two consecutive semesters provided students remain financially and academically eligible. 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.

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.

Cost of Attendance minus Expected Family Contribution equals Financial Need

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. Expected Family Contribution is a statistical figure calculated 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.

Appeals for Special Circumstances

Federal regulations provide the SFS 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, etc.)
  • Unusually high medical or dental expenses (uninsured amounts only)

If a student believes there are special circumstances that should be reviewed, the student must submit a Request for Appeal Form for Special Circumstances (available at the SFS office or online at www. pointloma.edu/sfs) with supporting documentation.

Financial Aid Programs

Need-Based Federal Loan Programs

Subsidized Federal Direct Loan

The Subsidized Federal Direct Loan is no longer available to graduate students.

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 sent directly to PLNU, since the Perkins Loan is a “campus-based” program. Students awarded a Perkins Loan must sign a Promissory Note and complete online Entrance Counseling before funds can be credited to the student account. Because of limited funding, the Perkin’s Loan is offered via email on a first-come, first-served basis and there is no guarantee that a student will continue to receive Perkins Loan funding in subsequent years.

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 fees 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.

Non-Need Based Federal Programs 

Unsubsidized Federal Direct Loan

The Unsubsidized Federal Direct Loan does not require financial need. The borrower is responsible for paying all the interest that accrues, from disbursement until the loan is fully repaid. The interest rate for the Unsubsidized Federal Direct Loan is 6.8%. The academic year graduate borrowing limit is $20,500.  (An academic year for Federal Direct Loans is defined as two consecutive semesters for PLNU).

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 two disbursements, one for each semester attended. Students may accept all or a portion of their Federal Direct loan eligibility. 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 Student Financial Services (SFS) section of the Point Loma Nazarene University website at www.pointloma.edu/sfs.

When a student graduates, withdraws from the university, takes an approved leave of absence, or drops below half-time status, 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 Student Financial Services office.

Federal Direct Graduate PLUS Loan

The Federal Direct Graduate PLUS Loan is a credit-based loan which graduate students may be eligible for. 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. The interest rate is fixed at 7.9% and 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 Federal Direct Graduate PLUS Loan 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 two disbursements, one for each semester attended. Students may accept all or a portion of their Direct Graduate PLUS  Loan eligibility. 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 Student Financial Services (SFS) section of the Point Loma Nazarene University website at www.pointloma.edu/sfs.

PLNU Academic Scholarships for Undergraduate Students Transitioning to a Graduate Program

Academic scholarships will only be applied to Graduate Students who either earned a baccalaureate degree from PLNU or for students who transferred into and earned at least twenty four undergraduate units at PLNU. The student must still academically qualify for the academic scholarship upon graduation and begin the Graduate program within three semesters following graduation (i.e. if a student graduates from an undergraduate program in the spring, he/she will be eligible to continue institutional aid benefits if he/she enrolls in a graduate program by the following spring). Eligible graduate students can receive the academic scholarship for up to two graduate semesters, but cannot receive it for more than 10 semesters, including undergraduate awards. The student will need to be enrolled in at least six units per semester. Institutional aid can be used to pay semester charges (tuition and fees) only; it is never disbursed directly to the student.

Academic scholarships will be translated for the Graduate program as follows: 

  • Presidents will equal 50% of tuition post baccalaureate
  • Science Honors will equal 50% of tuition post baccalaureate
  • Trustees will equal 30% of tuition post baccalaureate
  • Provost will equal 20% of tuition post baccalaureate
  • Bresee will equal 10% of tuition post baccalaureate (*Note: Student must demonstrate Financial Need by filing a FAFSA)

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. 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.

Other Resources

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

Tuition Remission

PLNU employees and their dependents may be eligible for tuition remission and should contact the Office of Human Resources at (619)849-2200 or go online at Human Resources for more information.

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

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 students to complete a minimum number of units (the quantitative requirement) and maintain a minimum grade-point average at the end of each semester (the qualitative requirement). For more complete information on the university’s SAP policies, students may contact the Office of Graduate Student Financial Services.

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 consecutive semesters. 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/sfs.

Limitation or Forfeiture of Financial Assistance

Students with special standing, not officially working toward a degree and students registered less than half-time, are not eligible for Federal or State financial assistance. Defaulted loans from prior institutions or from PLNU automatically exclude students from receiving federal aid until students have made satisfactory arrangements with the bank, 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 also excludes students from receiving federal aid. In this case, in order to receive aid, students are required either to provide written documentation of an approved and current repayment arrangement or to pay the balance in full.


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 adjudged reasonable, in the event a suit is instituted. Transcripts will not be released, nor will a student be permitted to participate at commencement exercises, until all accounts at the university have been paid.

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.)