May 11, 2021  
Undergraduate Catalog 2010-2011 
Undergraduate Catalog 2010-2011 [ARCHIVED CATALOG]

Financing Your Education

Enrollment Services Mission Statement

In a spirit of Christlikeness, Enrollment Services makes every effort to contact, recruit, enroll, and financially work with academically qualified students who commit to Southern’s learning community.

Financial Aid Policy

Southern Adventist University provides financial aid for students in the form of grants, scholarships, loans, and employment. The source of these funds is Southern Adventist University, private groups, donors, corporations, the Southern Union Conference of Seventh-day Adventists, the student’s state, and Title IV funds from the United States Government. Financial aid applicants will not be denied assistance on the basis of sex, race, color, national origin, religion, or ethnicity. The Enrollment Services Office follows established procedures and practices which will assure equitable and consistent treatment of all applicants.

Students are urged to contact the Enrollment Services Office, P.O. Box 370, Collegedale, TN 37315-0370, phone 1.800.SOUTHERN, or go to our website for information about and applications for financial aid. Applications received by the priority deadline of March 31 will be given preference. To meet this deadline the FAFSA (Free Application for Federal Student Aid) should be submitted no later than March 1. Applications received after March 31 will be processed as long as time and funds permit. Southern Adventist University’s Title IV code is 003518.

Financial Aid Available


Freshman Academic Scholarship

Southern Adventist University offers students a variety of opportunities to receive scholarships and awards.

The Freshman Academic Scholarship is based on a combination of the student’s ACT score* and cumulative high school GPA. The scholarship is available only to future Southern freshmen who have just graduated from high school within the past nine months OR who have taken no more than ten semester hours of college credit. A full-time load (12 or more hours) must be taken to be eligible for the scholarship. This scholarship will automatically be awarded once transcripts and test scores are received.

*To convert an SAT score to an ACT score. Call 1.800.SOUTHERN for an Enrollment Counselor.

Use this Points Formula to calculate eligibility for the Freshman Academic Scholarship:

Step One. Take high school GPA and multiply by 1,000 _______ Points (4000 pts max)
Step Two. Take ACT* test score and multiply by 100 _______ Points
Step Three. Add all points from Step One and Two = _______ Total Points

$2,000 Honors Scholarship 4,800 - 5,700
$4,000 Dean’s Scholarship 5,701 - 6,600
$6,000 Presidential Scholarship 6,601 - 7,300
Full Tuition Full Tuition Scholarship 7,301 & higher

Freshman Leadership Scholarship

Students who have served in the following leadership positions during their senior year may qualify for a $2,500 freshman leadership scholarship: Student Association President, Student Association Pastor, Senior Class President, Senior Class Vice President, Senior Class Pastor, Senior Class Social Activities Director.

Freshman Florida/Georgia State Scholarship Replacement

Students from Florida and Georgia, who typically qualify for state scholarship assistance to enter college, will be awarded $3,000 for the freshman year as a state scholarship replacement. The home address on the undergraduate application will be used to determine the state of residence. Students that receive employer tuition assistance are not eligible for this scholarship.

Freshman Lightbearer Scholarship

Students who have graduated from a public high school, home school, or a private high school not run by an Adventist organization, and who have attended for two or more years, may qualify for a $2,000 freshman lightbearer scholarship provided to encourage giving Adventist education a try.

The Student Transferring/Returning Scholarship

The Transferring/Returning Scholarship is awarded to those students who have earned more than ten hours of college credit and will be taking a full-time load (12 or more undergraduate hours) through the duration of the scholarship. The scholarship is based on the cumulative GPA of all transcripts when transferring. For returning Southern students, the cumulative GPA is figured from the student’s record each January. Southern does not round up numbers for this scholarship.

Bronze Circle $1,500 with maintenance of 3.40-3.59 GPA
Silver Circle $2,000 with maintenance of 3.60-3.79 GPA
Gold Circle $2,500 with maintenance of 3.80 and above GPA

Placement in National Merit Scholarship Competition*

Finalist Full Tuition 50% Tuition with maintenance of 3.80 GPA

Semi-Finalists and Commended placements will receive scholarships based on requirements for the Freshman Academic Scholarship or the Student Transferring/Returning Scholarships.

*We also scholarship students in the National Hispanic Recognition Program and the National Achievement Scholarship Program for African Americans.
**Qualification for renewable scholarships is based on cumulative Southern Adventist GPA.

Taking the PSAT test in the junior year of high school is the first step for entering the National Merit Program. If the student qualifies as a National Merit Semi-Finalist or a PSAT Commended Scholar, he/she is notified by the National Merit Scholarship Corporation. The list of qualifying students is published and sent to U.S. colleges and universities. The semi-finalist may advance to finalist status by taking the SAT during the senior year and by meeting other requirements outlined by the National Merit Scholarship Corporation.

Summer Ministries Leadership Scholarships

These scholarships are available to any student who works during the summer at a Seventh-day Adventist conference-sponsored summer camp or in literature evangelism and then attends Southern during the next academic year. The Enrollment Services Office will verify with the student’s employing organization that contractual obligations have been met over the course of the summer. A student who participates in multiple summer ministry projects is eligible to receive only one of the scholarships below. Southern will choose the larger of the two scholarships. 

The Literature Evangelism Scholarship - Summer earnings placed on the student’s account matched 50%, with a cap of $2,000.

Summer Camp Scholarship - $150 per full week worked, with a cap of $1,800. To apply for the camp scholarship, the camp director must submit the number of weeks you will work based on your camp contract to the Enrollment Services Office by March 1. This information is needed early for budgeting and awarding.

Departmental Scholarships

Some departments/schools offer scholarships for students who meet departmental criteria. These scholarships are normally awarded to sophomores, juniors, and seniors who have performed up to certain levels in the department. Scholarships are usually awarded at Awards Convocation in April of each academic year. Check with the department of your major for more information.

Cut Your Costs by Working

Working is another great way to reduce the cost of a college education. On average, students can contribute about $3,000 toward their yearly costs by working 15 to 20 hours a week.

Cut Your Costs by Paying the Year in Advance

Southern offers a 5% discount if payment for the full year’s tuition is made by cash or check and a 3% discount if payment is made by credit card. To find out what that amount would be after financial aid is applied, call 1.800.SOUTHERN.

Student Missionary/Task Force Scholarship

Student Missionary/Task Force Scholarships are available to qualified students who attend Southern the year following their term of service. The scholarship is $1,500. For more information, call the Chaplain’s Office at 423.236.2787. This scholarship is not available to freshmen or those with less than eight months of service.

SmartStart Free Tuition Savings

To take advantage of FREE tuition for one class (equaling 3 credit hours), entering freshmen or first-time transfer students are encouraged to apply for the special summer SmartStart session.

Performance Scholarships

Each year performance scholarships are awarded by the School of Music (for the Orchestra, the Wind Symphony, and the choirs), the Gym-Masters, and the Destiny Drama Company. Some of these performance scholarships are by audition only. The scholarships may be renewable for each year the student is at Southern as long as participation in the performing group continues. For more information, call the School of Music at 423.236.2880, the Gym-Masters director at 423.236.2673, or the Destiny Drama Company coordinator at 423.236.2787.

Southern Scholars Honors Program Scholarships

The Southern Scholars Honors Program is designed to enrich the studies of academically motivated students. After successfully completing one year in Southern Scholars, the following scholarships will be awarded:

  • $1,500 for the 2nd year of Southern Scholars
  • $2,500 for the 3rd year of Southern Scholars
  • $3,500 for the 4th year of Southern Scholars

A maximum of 25 new students will be accepted into the Southern Scholars program each year. For more information, call Dr. Mark Peach at 423.236.2743 or email him at

Other Potential Scholarship Sources

Students may qualify for scholarships from national and community organizations like the YMCA and Rotary Club, or from parents’ employers, or even from a local church. Scholarship and financial aid information can be accessed on the Internet at There are several searchable databases of lots of private scholarships, fellowships, grants, and loans at websites such as or for example. 

 Please Take Note

  • Applicants for admission and financial aid will be awarded scholarships on a firstcome, first-served basis until Southern scholarship funds are depleted. Plan ahead and submit the applications as early as possible.
  • All scholarships are divided and distributed equally over the fall and winter semesters. Scholarships are not applicable for summer sessions.
  • For students who apply for and qualify for federal financial aid, determination of the total amount of scholarships given by Southern is guided by federal guidelines. Southern is not allowed to “overaward” a student who has applied for federal aid. In some cases, students who qualify for multiple scholarships may only be eligible to receive a portion of their awards, based on the federal formulas for awarding.
  • Scholarships and awards, including employer tuition assistance and National Merit Scholarships, cannot exceed costs for tuition (for 12 to 16 hours), general fees, room rent, and a capped amount for books and food. All outside grants and subsidies will be applied before Southern scholarships and awards.
  • The total scholarship/grant cost to Southern shall not exceed the charge for tuition and fees.
  • Scholarships listed here are available only for full-time students taking 12 or more undergraduate hours each semester.
  • All scholarship offers are contingent on the student enrolling during the 2010-2011 school year and are not transferable to a future year or semester.
  • Southern reserves the right to change or amend any of the scholarship policies at any time.


Southern Adventist University need-based institutional grants are awarded from institutional and endowment funds to students who have financial need and are achieving academically. The amount of these awards is variable per year depending upon the student’s need and availability of funds.

The amount of a student’s need-based institutional grant award, as well as his/her federal grant award, will be determined after all the necessary federal and institutional applications are completed and processed. If the student’s academic progress falls below the required level, the institutional grant may be canceled. Any requests for exceptions should be addressed to the Financial Appeals Committee. 

Endowment Grants—Southern Adventist University is blessed with an endowment fund created by donors interested in helping students achieve their educational goals. Eligibility for these free grant monies is determined by filling out the FAFSA. This application uses a common nationwide formula to determine a family’s ability to pay for college. Southern uses this formula as a guideline in disbursing the Southern Endowment Fund. To file for financial aid, go online at Awards are made on a funds available basis. Notification to eligible recipients will be listed on the Financial Aid Award Letter. 

Federal Pell Grants—Federal Pell Grants are awarded through a federal program which provides grant assistance directly to eligible first bachelor’s degree undergraduate students. A student’s eligibility for a Pell Grant is based on a congressionally approved formula which considers family financial circumstances. Pell Grants are available to full- and part-time students with proven financial needs who are making satisfactory progress towards their first bachelor’s degree.

Federal Supplemental Educational Opportunity Grant—Awarded to students with exceptional need when funds are available from the federal government.

Eligibility for Institutional Funds

Eligibility for Southern Adventist University need-based funds is based upon a minimum of six credit hours (except where otherwise noted) being taken on the Southern Adventist University’s Collegedale campus. Co-op, transient, directed study, distance learning, Adventist Colleges Abroad, and off-site campus classes are not eligible for Southern funds, and do not count toward the six credit hours. If a student has been awarded funds based on full-time enrollment, but the student then enrolls for less than 12 hours, an adjustment will be made (up to the total loss of the funds awarded). Please consult with your Student Finance Counselor if you plan to enroll in less than 12 hours in any semester.


Federal Nursing Student Loans are available to nursing students only, with demonstrated financial need. Repayment and five percent interest assessment begin nine months after a student graduates, leaves school, drops below half-time enrollment, or drops from the nursing program.

Federal Perkins Loan—If eligible and funds are available, students can borrow up to $2,000 from the federal government through Southern Adventist University. Repayment and five percent interest begin nine months after a student graduates, leaves school, or drops below half-time enrollment.

Federal Direct PLUS Loans are available to parents of dependent undergraduate students who have satisfactory credit histories. The student must be enrolled at least half-time. The yearly loan limit is a student’s cost of education minus any estimated financial aid that s/he is eligible to receive. 

The PLUS loan interest rate is variable but not higher than nine percent. Variable interest rates are set each July.

The “origination fee” of up to four percent of the loan principal is deducted proportionately from each disbursement made. The lender may collect an insurance premium of up to one percent of the loan principal, which is deducted proportionately from each disbursement.

The procedure for applying is the same as for a Federal Direct Stafford Loan. Southern Adventist University can refuse to certify a loan application, or can certify a loan for an amount less than a student’s parents would be eligible for. The parents will be notified in writing, with a full explanation if such a circumstance should arise.

Federal law requires the US Department of Education to send the loan proceeds to the school in at least two payments. Payments will be sent either by electronic transfer or by check made co-payable to the school and to the parents.

Monthly principal and interest payments begin 60 days after the final loan disbursement. There is no “grace period” for these loans.

If a deferment—a postponement of repayment—applies (including a deferment for college enrollment), the parents’ repayment of the principal amount borrowed will not begin until the deferment ends. The interest on the loan is not deferred during the time of the deferment, although the organization that holds the loan may allow the interest to accumulate until the deferment ends. In such a case, however, the interest will be added to the principal, increasing the amount of principal that will need to be repaid.

Federal Direct Stafford Loans are low-interest loans made to students attending college at least half-time. These loans are insured by a guarantee agency and reinsured by the federal government. A borrower must repay this loan.

Students enrolled at least half-time may qualify for a “subsidized” Federal Direct Stafford Loan, which is based on financial need. Dependent students whose parents were denied a PLUS loan and independent students who enroll at least half-time may also apply for an “unsubsidized” Federal Direct Stafford Loan regardless of need; that is, regardless of their or their family’s financial status. 

Dependent undergraduate students may borrow up to:

  • $5,500 if they are first-year students enrolled in a program of study that is a full academic year.
  • $6,500 if they have completed at least 24 credit hours, and the remainder of their program is a full academic year.
  • $7,500 a year if they have completed at least 55 credit hours and the remainder of the program is at least one academic year.

The total Stafford Loan debt that a dependent undergraduate student may accumulate is $31,000.

Independent undergraduate students may borrow up to:

  • $9,500 if they are first-year students enrolled in a program of study that is a full academic year. (At least $6,000 of this amount must be in unsubsidized Stafford Loans.)
  • $10,500 if they have completed at least 24 credit hours and the remainder of the program is a full academic year. (At least $6,000 of this amount must be in unsubsidized Stafford Loans.)
  • $12,500 a year if they have completed at least 55 credit hours and the remainder of their program is at least one academic year. (At least $7,000 of this amount must be in unsubsidized Stafford Loans.)

The total Stafford Loan debt that an independent undergraduate (or a dependent undergraduate student whose parents do not qualify for PLUS loans) may accumulate is $57,500, with no more than $23,000 in subsidized loans.

For information on the interest rate, students should contact the organization that holds their loan.

The “origination fee” of up to four percent of the loan principal is deducted proportionately from each disbursement made. The lender may collect an insurance premium of up to one percent of the loan principal, which is deducted proportionately from each disbursement.

The amounts given are the maximum amounts that can be borrowed; however, students cannot borrow more than the cost of education at Southern Adventist University minus any other financial aid they receive.

Associate Degree Students will be considered as having less than 55 credit hours for loan purposes.

Undergraduate Students Attending Less than a Full Academic Year may borrow an amount which may be less than the amounts listed above. Information about how much may be borrowed can be obtained from the Enrollment Services Office.


Federal Work-Study Program—Federal Work-Study funds are available to undergraduate students with demonstrated financial need. Under the Federal Work-Study program, the employer pays a small part of the student’s wages, and the government pays the remainder. Most work-study positions are on campus. Students are responsible for acquiring their own jobs.

Students can work part-time while they are enrolled. They can work full-time during the summer and other vacation periods. The basic pay rate is no less than the current minimum wage. The rate varies depending on the skill and experience needed for the job. 

Students who receive Federal Work-Study earnings will receive 100% of their earnings unless they give written permission for their earnings to be applied to their student account. The Federal Work-Study Program is not a grant, but is the method of payment for a student’s eligible job. Further information is available from a Student Finance counselor.

Veterans’ Benefits

Southern Adventist University is approved for the training of veterans as an accredited training institution. VA benefits may not be available for students enrolled in classes offered off the Collegedale campus. Those who qualify for educational benefits should contact the nearest Department of Veterans’ Affairs.

Veterans or other eligible persons are required to attend classes in order to be eligible for educational benefits. Southern Adventist University is required to report promptly to the VA the last day of attendance when an eligible student withdraws or stops attending classes regularly.

A recipient may not receive benefits for any course that does not fulfill requirements for his/her stated degree and major. Audited courses, non-credit courses (except for a required remedial course), and correspondence work cannot be certified.

Tuition and Fee Waiver for Student Missionaries and Task Force Workers

Those students planning to serve as Student Missionaries or Task Force Workers and enrolling in NOND 227  and NOND 228 , Christian Service I and II, will receive a full rebate of $4,251/semester to cover 90% of the tuition for these classes ($3,866) and the general fee ($385).

Students enrolled in HMNT 215 /HMNT 415  Cross-Cultural Experience and COMM 291 /COMM 391 , Intercultural Communication Practicum, will be given a tuition rebate of $477/semester hour.

Before final authorization may be obtained, all students going as Student Missionaries or Task Force Workers must be cleared by the Enrollment Services Office.

Special Tuition Rate for Eligible High School Students

Eligible juniors and seniors may take up to six credit hours at Southern at a rate of ½ of the current tuition rate per hour. Students eligible for denominational subsidy will receive the subsidy based on the actual tuition charged. Private music lessons are at the regular Southern tuition rate.

Senior Citizen Tuition Plan

Persons 65 years of age or over may audit one undergraduate course free of charge per semester, or take for credit, at one-half the normal charge, one undergraduate course.

There must be space available in the class to be eligible for this plan. Does not apply to lab fees or other charges that may be in addition to tuition.

Financial Aid Application Procedures

Financial Aid Applications

The Free Application for Federal Student Aid (FAFSA), or Renewal Free Application for Federal Student Aid (RFAFSA) for returning students must be submitted annually to apply for the federal, state, and institutional aid programs. This application should be completed online at for fastest processing. 

Applications received by the priority deadline of March 31 will be given preference. To meet this deadline the FAFSA should be submitted no later than March 1. Applications received after March 31 will be processed as long as time and funds permit. Southern Adventist University’s TITLE IV code is 003518.


The following documents must be submitted only if you have been selected by the government for verification. The Enrollment Services Office will notify you if these documents are needed.

  1. The Federal Verification Worksheet. This worksheet should be completed, then mailed to the Enrollment Services Office.
  2. Copies of parents’ signed income tax return. These copies should be mailed with the Federal Verification Worksheet.
  3. Copies of student’s signed income tax return. These copies should be mailed with the Federal Verification Worksheet.

Transfer Student Financial Aid Applications

Financial aid for students transferring from other institutions will be determined by their academic standing, which will be calculated on all hours Southern has accepted. Students with a GPA below policy will be on financial aid probation for one semester. If the cumulative GPA or the completion rates are below the required levels at the end of the probationary period, students will be ineligible to receive financial aid. Deletion of transfer hours from Southern Adventist University academic records may affect a student’s financial aid eligibility, depending on the number of hours deleted. Any change in academic program, such as changing from a baccalaureate degree program to an associate degree program, or from an associate degree program to a one-year certificate degree program, may affect a student’s eligibility for financial aid.

Transient Student Financial Aid Applications

Financial aid for transient students is available when a student receives a transient student permission letter from the Records and Advisement Office.

Eligibility for a Federal Pell Grant, Federal Direct Stafford Loans (Subsidized and Unsubsidized), or Federal Direct PLUS Loans will be based on total hours enrolled at both institutions. Costs at both institutions will be a factor in determining eligibility.

Financial Aid Award and Disbursement Procedures

Financial Aid Award Procedures

A Financial Aid Award Letter will be sent to each accepted applicant after the Enrollment Services Office receives the FAFSA results (electronically received from the federal processor). To confirm and reserve the funds offered, students should return the signed acceptance of the offer within ten days of receipt. It will be assumed that students are accepting the full award amounts if the award letter is not returned within the allotted time.

Financial aid awards are made on a rolling basis, as long as funds are available, with the most needy students receiving priority. The financial aid award package may be a combination of: 1) Federal Work-Study, 2) federal student loans, 3) federal, state, private, or institutional grants or scholarships.

Disbursement of Financial Aid Funds

Financial aid awards are disbursed based on enrollment status each semester. The disbursement will show as a credit on a student’s account. Loan funds received from the federal loan programs will in most cases be automatically credited to the student’s account once entrance interview requirements are met. In the cases where the funds are received in the form of a check, the check will be available for signing in the Accounting Office. In addition, an entrance interview is required for first-time borrowers prior to receiving their loan funds. An exit interview is required when a student graduates or terminates his/her studies at Southern. It is the student’s responsibility to notify the Enrollment Services Office if they do not plan to return. A student’s diploma and/or academic transcripts will not be released if an exit interview is not completed

Financial Aid Overaward Procedures

When financial aid recipients receive additional resources not included in the financial aid award letter, it is the student’s responsibility to report these funds to the Enrollment Services Office. Federal regulations prohibit “overawards;” therefore, when the total of all resources exceeds the allowable student budget, financial aid awards must be adjusted. When financial aid funds have already been credited to the student’s statement, any refunds due or overawards will be charged to the student’s account.

Financial Aid Eligibility Requirements

General Requirements

Financial aid awards are made for one academic year to students who are accepted for admission, demonstrate a financial need, and are enrolled for at least six credit hours on the Collegedale campus. Recipients of government aid must hold U.S. citizenship or a permanent resident visa. Students desiring aid must reapply each year, have a GED or high school diploma on file in the Records and Advisement Office, and continue to make satisfactory academic progress toward a degree to receive financial aid.

WARNING: If a student purposely gives false or misleading information on the federal aid application, s/he may be fined $20,000 by the US Department of Education, sent to prison, or both.

Academic Progress Requirements

Academic Progress Policy

Government regulations require all financial aid recipients to maintain satisfactory academic progress toward a degree as measured both qualitatively and quantitatively in order to receive financial aid. This requirement applies to the entire enrollment at Southern Adventist University—even periods during which a student does not receive financial aid. Failure to comply with this requirement may result in a student becoming ineligible for financial aid.

This policy defines the minimum standards for eligibility for state and/or federal financial aid.

Academic Progress Standards

Qualitative Standards

0 - 23 1.50 or above
24-54 1.75 or above
55 or above 2.00 or above

Quantitative Standards:

Students must complete and pass a minimum of 67 percent of attempted credit hours toward a degree to be making satisfactory progress. Incompletes, withdrawals, and failed courses count toward the total attempted credit hours. A repeated course counts as attempted credit hours each time it is taken.

Time Frame for Receiving Financial Aid

General Baccalaureate 186 attempted hours
General Associate 96 attempted hours
Art Baccalaureate 190 attempted hours
Music Baccalaureate 198 attempted hours
Nursing Associate 103 attempted hours
Second Baccalaureate 231 attempted hours
Second Associate 132 attempted hours

The above maximum time frame to receive financial aid is based on 1.5 times the number of credit hours to attain a degree. Hours from the first degree will be counted as attempted hours toward a second degree. Adding a second major does not count as a second degree. 

Time frame for transfer students will be evaluated according to the hours accepted from previous institutions and the attempted hours toward Southern’s current degree program.

Progress Review

A financial aid recipient’s progress at Southern Adventist University will be reviewed at the end of each semester and will be based on the number of attempted hours a student completes during each semester of an academic year and the cumulative grade point average (GPA).

Students who do not meet the above satisfactory GPA or completion requirements will be placed on probation. If the cumulative GPA or the completion rate is below the required level at the end of the probationary period, the student will be ineligible to receive financial aid and may file an appeal with the academic dean.

Students may enroll for the summer sessions or subsequent terms at Southern without financial aid assistance or attend another accredited institution to fulfill the progress requirements. Academic progress for these students will be reviewed prior to the release of financial aid for the following term in which the student reaches the necessary academic standard.

Students accepted to Southern Adventist University on conditional standing will be eligible for financial aid for the first semester in attendance. Financial aid thereafter is based on the guidelines set above.

Procedure for Appeal and Reinstatement of Financial Aid

Students who are found to be ineligible for financial aid based on progress will be notified in writing from the Enrollment Services Office. If unusual circumstances occur that include, but are not limited to, personal or family illness, injury, or death in the family, students may appeal in writing to the Financial Appeals Committee for continuation of financial aid. Students will receive a written notification as to the committee’s decision.

Financial Aid Refund Policy

The Southern Adventist University refund policy for students withdrawing from classes is outlined here.

Since financial aid is considered to be used first for direct educational costs (tuition, fees, room, board, and books), when a student withdraws from classes and under the refund policy receives a refund of these charges, any credit will be used to reimburse financial aid programs first, and any remaining credit will be refunded to the student.

According to regulations, refunds due to Federal Title IV programs will be allocated according to the following priority:

  1. Unsubsidized Federal Direct Stafford loans
  2. Subsidized Federal Direct Stafford loans
  3. Federal Perkins loans
  4. Federal Direct PLUS loans
  5. Federal Pell Grant program
  6. Federal Supplemental Educational Opportunity Grant program
  7. Other Title IV aid programs

Amount of Title IV Aid Earned

To calculate the amount of Title IV aid earned, the percentage of Title IV aid earned (as figured by the withdrawal date) is multiplied by the aid that has been disbursed as well as the aid that could have been disbursed.

Amount of Title IV Aid to Return

To calculate the amount of Title IV aid to return, the amount of Title IV aid earned (as figured above) is subtracted out of the aid that was disbursed as well as the aid that could have been disbursed.

For further explanation, please contact a Student Finance Counselor.

Financial Aid Repayment Policy

There are specific repayment policies for students who withdraw completely from Southern and have received financial aid in excess of their incurred educational costs. An example would be the student who received a Federal Direct Stafford Loan and did not use the full amount for educational costs. An amount owing to any federally funded student aid program will be covered by Southern and then charged to the student’s account.

Deferment of Financial Aid Repayment for Student Missionaries/Task Force Workers

Any student desiring to serve as a Student Missionary or in a Task Force position needs to apply through the Chaplain’s Office. General Conference policy requires the completion of the course Student Missions Orientation Class, NOND 099 , prior to placement in a volunteer position. The orientation class is taught the last nine weeks of the second semester. Students who register for NOND 099  will not receive any academic credit hours. The course NOND 099  is also taught online to facilitate those students going out second semester.

To receive 12 hours of academic credit, the student must complete a full academic year of service. Students enrolled in NOND 227  and NOND 228  must have taken NOND 099  as a prerequisite. A maximum of 12 hours is available during the year of service. Specific details regarding academic assignments may be obtained from the Chaplain’s Office.

Before final authorization may be obtained, all students going as Student Missionaries or Task Force Workers must have their student account paid in full and cleared by the Enrollment Services Office.

Student Labor

Student Labor Regulations

Work opportunities are available in departments/schools and industries operated by the University and at local private businesses. Students seeking employment should contact the Human Resources Office or visit for a listing of available positions or to complete an employment application.

Although Southern Adventist University cannot guarantee a student employment, the University will endeavor to find a work opportunity either at the University or at a local business. Students are urged to arrange class schedules that allow blocks of time for work.

All hiring formalities are completed in the Human Resources Office. Students must bring their Social Security cards and one identification document, such as a passport, driver’s license, or original birth certificate, in order to complete the hiring process legally. Students who are not American citizens must produce an unexpired employment authorization document such as a valid I-20 or other legal document before employment can be arranged.

Students are expected to maintain satisfactory job performance and meet all work appointments, including those during examination week. Work superintendents reserve the right to dismiss students if their service and work records are unsatisfactory. Should a student find it necessary to be absent from work, s/he must make arrangements with the work supervisor and, if ill, with the University Health Center.

A student accepting employment is expected to retain it for the entire semester except in cases where changes are recommended by the school nurse or the Human Resources Office. Should a student receive opportunities for more favorable employment at another department on campus during the semester, the transfer must be made through the Human Resources Office and the two employing departments. A student must NOT drop his/her work schedule without notifying the Human Resources Office.

Students can work part-time while they are in school. They can work full-time during the summer and other vacation periods. The basic pay rate is no less than the current minimum wage. The rate varies depending on the skill and experience needed for the job. 

Students who work more than 20 hours per individual week or who are enrolled for less than 12 credit hours may have Social Security taxes (FICA) withheld from their earnings.

International Student Labor Regulations

International students on non-immigrant visas are required by law to secure permission before accepting any off-campus employment. Foreign students with student visas are allowed to work on campus up to 20 hours a week. Spouses may work only if they have student visas of their own or have immigrant visas.

Student Payroll Policies and Procedures

Students will receive 25% of their net earnings for tithe and personal items directly deposited into the bank account of the student’s choice.

Students who receive Federal Work-Study earnings will receive 100% of their net earnings unless they give written permission for their earnings to be applied to their student account or they voluntarily return their earnings to be applied to their student account. The payroll period normally covers a two-week time period and students are paid every other Friday.

It is recommended that on-campus summer earnings remain on the students’ accounts to assist with future educational expenses at Southern.

Student Workers’ Compensation Insurance

As provided by the laws of the State of Tennessee, the University carries workers’ compensation insurance to protect all employees in case of work-related accidents.

Student Financial Responsibility

Student Responsibility for University Expenses

The Enrollment Services Office will assist students in their financial planning. Financial aid is available to qualified recipients in the form of scholarships, grants, loans, and work opportunities. However, responsibility for payment of University expenses rests with the student, regardless of any assistance which may be expected or received from federal financial aid, parents, Southern Adventist University, denominational employers, or any other source.

Before registering, each student must submit a Payment Contract to the Enrollment Services Office signed by the student indicating acknowledgment of this responsibility. A signed payment contract must be on file before registering for the winter semester or any future semester thereafter.

Information on student costs and means of paying those costs is given throughout this “Financial Policies” section of the Catalog to assist students in financial planning. Student financial responsibility includes awareness of this information and the willingness to seek assistance from the student’s Student Finance Counselor when help is needed.

Student Check Cashing

Students are encouraged to use their home banks or a local area bank for their personal financial services. Southern Adventist University does not cash personal checks.

Student Banking

For the convenience of students and/or their financial sponsors, no-fee banking is available at the Collegedale Credit Union located in Fleming Plaza on the University campus. Service is provided six days each week. With a $50 savings account students can open a no-fee checking account with no minimum balance. Several commercial banks close to the campus community also provide similar opportunities.

Student Personal Effects Liability

When determining what to bring to campus, students should remember that the University is not responsible for the personal effects of any student even though such effects may be required by the University for student use, or required by the University to be stored in a designated location. University-carried insurance does not insure the personal effects of any individual. The University recommends that students consider carrying insurance against possible losses.

Fees and Charges

The following fees and charges apply only to undergraduate students on the Collegedale campus. Information concerning graduate student charges is available in the Graduate Catalog.

Tuition and General Fee Charges

Tuition per semester hour (1-11 hours) $ 716.00  
Tuition for 12-16 semester hours (flat fee) 8,471.00  
Tuition for each semester hour over 16 547.00  
Tuition for each semester hour of summer school 547.00  
*General Fee per semester (charged to each student enrolled for 6 or more hrs) 385.00  

Special Fees and Charges

The following special fees and charges are assessed separately inasmuch as they may not apply to all students nor do they occur regularly:

Academic Power Tools 716.00  
Add/Drop fee 20.00  
Application for admission (non-refundable) 25.00  
Audit tuition per semester hour:  
  If taking 9 or more undergraduate hours for credit Free  
  If taking 8 or less undergraduate hours for credit 358.00  
Automobile parking fee (per semester):  
  Residence hall students 40.00  
  Village students 40.00  
  Motorcycle parking fee 40.00  
Commitment deposit/Housing deposit 250.00  
Continuing Education Units 10.00  
  Challenge or waiver 50.00  
  CLEP 50.00  
  Credit by examination (per hour) recording fee 40.00  
  TOEFL 25.00  
  Rescheduling final 65.00  
Graduation fee 50.00  
Insufficient funds check fee and penalty 25.00  
**Insurance (Estimate Only):    
  Student 600.00  
  Spouse 1,500.00  
  Child 650.00  
  All Children (2 or more) 1,200.00  
International student deposit 3,000.00  
Lab Fees:  
  Lab Fee 1 10.00  
  Lab Fee 2 15.00  
  Lab Fee 3 20.00  
  Lab Fee 4 30.00  
  Lab Fee 5 60.00  
  Lab Fee 6 90.00  
  Lab Fee 7 120.00  
  Lab Fee 8 150.00  
  Lab Fee 9 180.00  
  Lab Fee 10 210.00  
  Lab Fee 11 240.00  
  Lab Fee 12 300.00  
  Lab Fee 13 325.00  
  Lab Fee 14 350.00  
  Lab Fee 15 400.00  
  Lab Fee 16 500.00  
  Lab Fee 17 600.00  
  Lab Fee 18 700.00  
  Lab Fee 19 800.00  
  Lab Fee 20 900.00  
  Lab Fee 21 1,000.00  
  Lab Fee 22 1,500.00  
  Lab Fee 23 2,000.00  
  Lab Fee 24 2,500.00  
  Lab Fee 25 3,000.00  
Late return of organizational uniform 40.00  
  (The full cost will be charged if irreparably damaged or not returned.)    
Lost housing key or replacement:  
  Talge/Thatcher Halls 30.00  
Lost student I.D. or replacement (must be cash payment) 15.00  
Medical Laboratory Science recording fee (senior year) 55.00  
Music lesson fee per semester hour 175.00  
Nursing consortium tuition per hour 290.00  
Nursing deposit 400.00  
Online delivery fee per semester hour 100.00  
RN Update 440.00  
Packing and moving fee 75.00  
***Residence Hall rent per semester 1,587.00  
Southern Village rent per semester 1,771.00  
Special tuition rate for eligible high school students ½ reg. rate  
Transcript fees:  
  National Student Clearinghouse Processing Fee (each destination) 2.25  
  FedEx service (U.S. and Canada destinations only) 25.00  

 *Fee is used for computer technology and registration
**Estimated annual fee that is subject to change by insurance company
Residence Hall/Campus Housing Charges for further explanation of rent charges

Estimated Student Budget (Southern Campus)

  Residence Hall Student Non-Residence Hall Student
  Semester    Year Semester    Year
Tuition (12-16 hrs/semester)  8,471   16,942   8,471   16,942  
General Fee  385   770   385   770  
Residence Hall Rent** 1,587   3,174          
Food 1,000   2,000          
Books and Misc. Supplies 550   1,100   550   1,100  
Total Estimated Costs* 11,993   23,986   9,406   18,812  

(Health insurance, automobile parking, Campus Shop, and Village Market personal purchases are in addition, if applicable.)
*With financial aid and/or labor, this total figure can be substantially reduced.
Residence Hall/Campus Housing Charges for further explanation of rent charges.

Approved Items to Charge to Student Account

Any charges to a student’s account, outside of the normal educational expenses, must be approved by the Enrollment Services Office. Examples of charges which will not be approved are student club dues.

Meal Plans and Miscellaneous Charges

Southern’s meal plan allows residence hall students the privilege of choosing from a large variety of dining options. Students may eat at the Campus Kitchen, Dining Hall, KR’s Place, and the Kayak. Residence hall students will be billed $1,000 at the beginning of each semester.

The $1,000 food allowance for the fall semester begins August 22, 2010, and ends on December 31, 2010. The $1,000 food allowance for the winter semester begins January 1, 2011, and ends on May 1, 2011. There is no food allowance for the summer months (students taking classes during the summer can use their Campus Card and will be billed monthly for their charges).

Once a student has used their $1,000 per semester for purchases from Food Services, food charged to the Campus Card over that amount will be automatically billed to the student’s statement on a monthly basis (up to a maximum of $500 additional dollars per month.)

Refunds will only be issued if the student discontinues their enrollment at Southern. The refund will be based on their room assignment end date as determined by the Housing Office. A student will not be refunded more than the $1,000 minus what they have already used.

Community students may charge food at the Campus Kitchen, Dining Hall, KR’s Place, and the Kayak as long as their school accounts are paid monthly by the due date.

Both residence hall students and community students may charge up to $150/month in miscellaneous purchases (does not include books) at the Village Market and/or Campus Shop as well as making photocopies and/or paying computer lab printing expenses.

Once a student has charged $150 for miscellaneous purchases during a month, the student may use cash or credit card to place additional funds onto their Campus Card to be able to make additional purchases.


Books may be charged to the student’s account at the Campus Shop. Students may not charge items from the Adventist Book Center or other book stores to their student accounts.

International Student Deposit

In addition to the regular University costs, international students must provide an International Student Deposit of $3,000USD. This applies to all international students except documented permanent residents of the U.S. or residents of Canada, the Bahamas, and Bermuda. The deposit must be received by the Enrollment Services Office before a U.S. Immigration Form I-20 is sent to the prospective student for entry to the U.S. Because mail service from many foreign countries takes time, this deposit should be sent at least six weeks prior to enrollment. This deposit, once paid, remains untouched until the student graduates, withdraws from Southern, or is unable to pay his or her student account, at which time the international deposit will be applied to the student’s account. If the student’s account has been paid in full, the deposit will be refunded after the final statement is issued.

Health and Accident Insurance

University policy requires all students to have adequate accident and health insurance covering both inpatient and outpatient services. The same coverage is encouraged for all spouses and dependents. All students who are taking six or more hours (three or more hours during any summer session) or who are living in University housing will automatically be enrolled in the University health and accident plan at the time of registration, and will continue to be enrolled each successive semester until a waiver form is signed and proof of insurance is received. The waiver form must be filled out and turned in for every academic year that a student does not want to be enrolled and charged for the University health and accident plan. Students who have signed a waiver form may later request enrollment at any time. The student may sign a waiver form indicating s/he does not want the University insurance because:

  1. The student has adequate US insurance coverage equal to or better than the University insurance plan.
  2. The student is covered under the SDA denominational health care plan.
  3. The student does not live in University-owned housing and is enrolled in less than six semester hours during the fall and/or winter semester or less than three hours during the summer.

A refund of the premium is allowed only upon entry into the military services or by providing evidence of other insurance prior to the midterm of that particular semester.

Residence Hall/Campus Housing Charges

Residence Hall Costs

Room charges are based on two students occupying one room. Residence hall accommodations costs for each individual are $3,094 (no private bathroom) or $3,174 (with private bathroom) for the school year. Charges are made on a semester basis. A student may, upon application to the residence hall dean, be allowed to room alone at a cost of $4,762. Residence hall students living in the Southern Village apartments are charged $3,542 for the school year.

No refunds are made for vacation periods or absences from the campus. When a student withdraws, a prorated portion of the semester charge, beginning with the date of nonoccupancy of the room, will be refunded.

Residence Hall Deposit and Deposit Refund

A room deposit of $250 is required of each resident. To guarantee a room in the residence hall, payment of this deposit must be made by June 1. After June 1, no room is held for a student whose deposit has not been paid. This deposit should be sent directly to Southern Adventist University and is held in reserve until the student graduates and/or permanently moves out of the residence hall. The deposit is in addition to any other payment, and is refundable if requested in writing to the Associate Dean of Housing before June 1.

University Apartment Costs

University-owned apartments may be rented by students taking a minimum of six hours each semester (preference is given to married students). The apartments range in size from one to three bedrooms and are rented unfurnished (furniture rental available). Rents range from $350 to $900 and will be charged by semester. Rent will be charged monthly during the summer. Charges are based on the date of issue and return of keys and proper clearance with the office of the Vice President for Financial Administration.

University Apartment Deposit and Deposit Refund

Married students and single students over 23 years of age renting an apartment from the University must pay a housing deposit of $250 to reserve an apartment. This housing deposit is due before occupancy and is sent directly to Southern Adventist University. The deposit is in addition to any other payment.

If a student gives notice before June 1 that s/he will not be attending, the housing deposit will be refunded. Damage or cleaning charges may also be charged to the student’s account if the deposit is insufficient to cover these costs. The housekeeping supervisor at the Service Department will determine whether the apartment has been left clean and undamaged. A packing and moving fee may be charged as necessary.

Adventist Colleges Abroad Fees

Students wishing to apply for study abroad under the Adventist Colleges Abroad (ACA) program must follow the procedures listed below:

  1. Obtain an ACA application from Southern Adventist University’s Enrollment Services Office, Modern Languages Department or from
  2. Complete and return the ACA application to the Modern Languages Department.
  3. Make all payments by cash, check, money order, or credit card. University funded scholarships are not available for ACA students. When planning their finances for the ACA program students must:
    • Have their Southern Adventist University account paid in full.
    • Have completed all necessary paperwork for federal financial assistance and received a financial aid award letter before August 1 if relying on financial aid.
    • Subtract tuition assistance and/or federal financial aid from the total ACA charges due.
    • Pay Southern for charges before the University makes payment to ACA. If payment is not received, students will be sent back from ACA.

Southern Adventist University Refund Policies

Refund for Complete or Partial Withdrawal

Residence hall and University apartment refunds are prorated according to the number of days the student occupies the room subtracted from the number of days charged.

A student who withdraws completely or partially during the semester will receive a tuition and fees refund based on the date the completed withdrawal form with all required signatures is filed with the Records and Advisement Office. Financial aid received will also be adjusted based on the refund amount that a student receives.

Refunds are calculated as follows:

1st week 100%  
2nd and 3rd weeks 80%  
4th and 5th weeks 60%  
6th, 7th, and 8th weeks 40%  
9th week through end of term 0%  

Refund for Shortened School Term Withdrawal (including Summer Sessions)

1st and 2nd days 100%  
3rd and 4th days 60%  
5th day through end of term 0%  

Refund of Credit Balances

Credit balances are refundable, upon request from financial sponsor, 30 days after the monthly statement is received for the last month the student was in college in order to be certain that all charges have been processed. For example, if a student drops out of college in December, a full credit refund would not be made until after the January statement is prepared during the first week of February. When the credit balance is large, a portion may be refunded earlier upon request to the Enrollment Services Office.

If the student has a credit balance caused by a financial aid over-award, the necessary credit will be applied to the financial aid funds, according to the Financial Aid Refund Policy. If any credit remains, it will be refunded as described above.

Any refund will be credited back first to any credit card that was used to make payment within 90 days of the refund. If the refund involves a credit card payment exceeding $2,000, the refund will be credited back first to the credit card regardless of the date of payment.

Returned Check Policy

If a check is returned by a bank for insufficient funds, account closed, or any other reason, a $25 returned check fee will be assessed to the student’s account. This also forfeits the privilege of paying by check for any future payments.

Payment Plans

Two payment plans are available.

Year in Advance Payment Plan

Southern Adventist University offers a five percent discount if payment is made by cash or check and a three percent discount if payment is made by credit card. Students choosing to pay the year in advance must pay the full amount required by the plan by August 26, 2010. Amounts paid as a result of scholarships, grants, and/or student loans are excluded from the amount on which the discount is allowed. A worksheet for each student desiring the prepayment discount must be completed by the Enrollment Services Office. The prepayment discount is only available to students taking 6 or more hours per semester.

Monthly Payment Plan

An interest free monthly payment plan is available for the 2010-2011 academic year through the Enrollment Services Office.

Methods of Payment

Credit Card Payments

The Cashier’s Office honors VISA, MasterCard, Discover, American Express and debit (if card owner is present) cards for making payments on a student’s account. No cash withdrawal service is available from these cards—this service may be obtained from a local bank.

When using a credit card to pay on an account, the following information must be supplied: 1) name of credit card being used; 2) cardholder’s name; 3) credit card number; 4) expiration date; 5) student’s name and ID number; 6) amount to be charged on card; and, 7) the billing address of the credit card.

Any refund will be credited back first to any credit card payments that were made within 90 days of the refund. The 90 day limitation does not apply when payments made by credit card exceed $2,000. In these cases the limitation will be the entire school year.

Automatic Credit Card Payments

Payment through automatic credit card deductions may be arranged. This arrangement is made through the Enrollment Services Office. A signed written request for automatic credit card deductions, stating the amount to be deducted, the date each month the deduction should be made, the amount to be deducted each month, and the billing address of the credit card will be required.

Personal Check Payments

Payments made to a student’s account by personal check should have the student’s University personal identification number (ID number) written on the check. If the ID number is not written on the check when it is received by Southern, it will be written on the check by a Southern Adventist University employee for posting purposes.

Billing Procedures

Monthly Statements

Statements will show all monthly/semester charges and credits and will be mailed to students on or before the 7th business day of each month. The monthly payment is due the 28th of each month. In some cases, the statement may take an extended amount of mail time to reach the parent or financial sponsor. It is the responsibility of the student to communicate the monthly due to the parents/financial sponsor in these cases.

Before registering for a new semester, the student account balance must be paid in full.

Tuition Assistance

Please notify Enrollment Services if either parent is eligible for tuition assistance from an employer. Indicate whether the employer is an educational institution or some other organization. Upon receiving this information, Southern will bill the parent’s employer for the appropriate amount. It is still the responsibility of the parents to ensure that the tuition assistance is paid by their employer. If a student receives an award letter that does not include tuition assistance, but that student is eligible for tuition assistance, the award letter must be adjusted. Please notify the Enrollment Services Office if this is the case.

Transcript Requests for Currently Enrolled Students

Under provisions of the federal loan programs, Southern Adventist University is to withhold transcripts if a student has an unpaid or past due account or any federal loans that are past due or in default.

An official academic transcript will be issued for a currently enrolled student when the student’s account is current. Exceptions may be considered when the account is current except for the pending disbursement of a Federal student loan.

When payment is made by personal check, the transcript will be held for ten working days to allow the check to clear. TO EXPEDIATE THE RELEASE OF THESE DOCUMENTS, THE STUDENT SHOULD SEND A MONEY ORDER, CASHIER’S CHECK OR PAY BY CREDIT OR DEBIT CARD TO COVER THE BALANCE OF THE ACCOUNT.

Collection Policies and Procedures

Current Account Collections Policies

New students must pay their $250 non-refundable Commitment Deposit by June 1, 2010. This allows them to register online for the fall semester starting June 1, 2010. It will also allow a room assignment to be issued for the residence hall (if applicable).

  • Residence Hall Students: For students in the residence hall, the $250 Commitment Deposit will serve as their Housing Deposit as well, for SmartStart, the fall semester, and subsequent semesters. During SmartStart and/or the first semester at Southern, this deposit is not refundable. As a Housing Deposit, it becomes refundable after one full semester at Southern if the residence hall room is left in satisfactory condition.
  • Non-Residence Hall Students: Students that are not in the residence hall for SmartStart and/or the fall semester will have their $250 Commitment Deposit credited toward their fall semester tuition.

Those students (residence hall or non-residence hall) that attend SmartStart but do not enroll and stay for the fall semester will lose their $250 Commitment Deposit.

A July statement will be sent to all students who have registered for classes by July 31, 2010. Tuition, fees, residence hall rent, food, and any miscellaneous charges will be on the July Statement. The first of 4 payments for the fall semester will be due by August 28, 2010. It will be communicated both on the statement, and in a separate letter mailed with the statement, explaining that the minimum due must be paid by August 28th or the student’s classes will be dropped by September 2, 2010 (the last day for a 100% refund).

Students, and their parents, who have not paid by the 28th of August will have an email sent, and a phone call made to the student and parent, letting them know the their classes will be dropped by September 2, 2010 (the last day of the 100% refund period) if the payment is not made. If the payment is not made by Thursday, September 2, 2010 by 4pm, the classes are dropped and a financial hold is placed on the student’s account. Once the student’s classes are dropped, he/she can only have them reinstated with an payment arrangement that is approved by their Student Finance Counselor (or the Financial Appeals Committee) before Thursday, September 9, 2010 (the add/drop date). If a student cannot reconcile their account by September 9th, he/she will be asked to move out of the residence hall, or university student housing by the following Monday.

Students who register for their classes between August 1 and 15, 2010 will be mailed a budget worksheet and a letter stating the need to pay ¼ the estimated expenses by August 28th. The policies listed above will apply if this payment is not made by the 28th. Those who want to register for classes between August 16 and August 31st will need to pay ¼ of their estimated expenses or have an alternate arrangement approved by their Student Finance Counselor (or the Financial Appeals Committee) before they are allowed to register. Those who want to register in September will need to pay ½ of their estimated expenses before they are allowed to register or have an alternate arrangement approved by their Student Finance Counselor (or the Financial Appeals Committee).

Each statement has a consistent due date, which is the 28th of the following month. If payment is not made by the 28th of that particular month, a reminder collection letter (and email) is sent to both the student, and parent(s) if applicable. The letter will ask that payment be made immediately or a loan be acquired to clear the full semester’s fees. The letter will also specify that any prior arrangement for a larger percentage of the student’s work earnings being sent to their personal bank account will be reset to our standard 25% to their bank account and 75% to the student’s bill.

On the 15th of the month following non-payment, a second letter (and email) is sent to the student, and parent(s) if applicable, notifying them that if the delinquent payment is not made by the end of the month that the student will be ineligible to continue in the following semester until they have made sufficient payments to be current.

Eligibility for returning students to register for the Winter 2011 semester will be based on the student having paid their September statement amount due by October 28, 2010. Those that have registered for the Winter 2011 semester must have paid their November statement amount due by December 28, 2010 or their classes will be dropped on January 11, 2011 (the last day to receive a 100% refund for the Winter 2011 semester).

Eligibility for returning students to register for any Summer 2011 classes will be based on them having paid the amount due by the due date on the last statement that they have received at the time of them registering for the class(es).

If a student has already registered for classes for a particular semester, but the semester has not yet begun, and the student has become delinquent after they have registered for classes, the student will be sent notification that if their account is not brought current by the last day of the 100% refund period, their classes will be dropped (and they will only be allowed to have their classes reinstated if they pay the full estimated expenses for the semester by the add/drop date or have an alternate arrangement approved by their Student Finance Counselor or by the Financial Appeals Committee.

Non-Current Account Collections

Students completing or terminating their studies with the university are required to pay their balance in full prior to leaving.

When a student who was enrolled for the fall semester and does not enroll for the winter semester and has left with an unpaid account, that account will be designated a noncurrent student account, as of January 31, 2011.

When a student leaves at the end of the winter semester who does not return for the summer semester, and is not pre-registered for the fall semester, the account will be designated a non-current student account as of June 30, 2011.

When a student leaves at the end of the winter semester with an unpaid account and plan to return the following year, the student will have until June 28, 2011 to pay the account in full, or have made alternate arrangements with their Student Finance Counselor to clear the account through the summer.

If a student is enrolled during the summer semester and does not return for the fall semester their account will be designated non-current as of September 30, 2011.

At the time any account is designated non-current, a carrying charge of one percent per month will apply.

If a non-current account holder is owed any money for any reason from Southern (work earnings or otherwise), up to 90% of the money owed will be applied to their non-current account with the remaining funds given to the non-current account holder.

When a student account designation has been changed from current to non-current a collection letter will immediately be sent. If payment in full is not received a letter will be sent to notify the student that the account will be sent to ECSI our billing service and that non-payment to ECSI will result in adverse information being reported to the credit bureaus. All future monthly payments and due diligence collecting will be serviced by ECSI.

Policy on Transcript and Diploma Requests for Non-current Students

Under U.S. Department of Education regulations, Southern Adventist University will withhold transcripts if a student has an unpaid or past due account or any federal loans that are past due or in default.

It is the policy of the University to withhold transcripts, diplomas, certificates of completion, and other records if a student has an unpaid or past due account at the University or (if a federal loan borrower) has not completed an Exit Interview.

Academic transcripts for non-enrolled students will be issued only after students’ accounts are paid in full and when there are no delinquencies in the payment of student loans. No exceptions will be made.

When payment is made by personal check, the transcript will be held for ten working days to allow the check to clear. TO EXPEDITE THE RELEASE OF THESE DOCUMENTS, THE STUDENT SHOULD SEND A MONEY ORDER, CASHIER’S CHECK OR PAY BY CREDIT OR DEBIT CARD TO COVER THE BALANCE OF THE ACCOUNT.

Collection Agency Collection Policies

At day 120 after the conversion to a non-current account, if payment in full or satisfactory arrangements with ECSI has not been made, the account will be submitted to a collection agency or attorney.

If the university deems it necessary to employ a collection agency or an attorney to collect defaulted accounts, all charges for these services, including court cost, if incurred, will be added to the unpaid account.

Bankruptcy Policies

Recognizing that the discharge of a debt through bankruptcy proceedings prohibits a creditor from subsequently pursuing the collection of the debt, the university, upon notification by the court of such filling, will comply with this legal prohibition. No further services will be extended. The bankruptcy of a financial sponsor in no way changes the underlying financial obligation of the student to pay his or her student account.