Feb 25, 2021  
Undergraduate Catalog 2015-2016 
Undergraduate Catalog 2015-2016 [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 www.southern.edu 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 online at FAFSA.gov 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

Renewable Scholarships

Freshman Scholarships

Southern Adventist University offers five (5) scholarships for incoming freshman that are awarded over four years. These scholarships are 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 scholarships. Students must maintain a minimum 3.00 cumulative GPA. The renewal GPA for the following academic year is determined after the completion of the student’s first semester at Southern and then yearly after the fall semester. All amounts listed are awarded equally over four years.

  1. Freshman Academic Scholarship
    The Freshman Academic Scholarship is based on a combination of the student’s ACT or SAT score and cumulative high school GPA.  This scholarship will automatically be awarded once transcripts and test scores are received.

  2. Freshman Leadership Scholarship
    Students who have served in the following leadership positions during their senior year may qualify for a $10,000 freshman leadership scholarship (awarded $2,500 per year for four years): Student Association President, Student Association Vice President, Student Association Pastor, Senior Class President, Senior Class Vice President, and Senior Class Pastor.
  3. Freshman State Scholarship Replacement for Alabama/Florida/Georgia/Kentucky/Mississippi/North Carolina/South Carolina
    Students from Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, and South Carolina, who typically qualify for state scholarship assistance to enter college, will be awarded $12,000 as a state scholarship replacement (awarded $3,000 per year for four years). 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.
  4. Freshman Lightbearer Scholarship
    Students who have attended at least two years and graduated from a public high school, home school, or a private high school not run by an Adventist organization, may qualify for an $8,000 freshman lightbearer scholarship provided to encourage Adventist education (awarded $2,000 per year for four years).
  5. Finalist in National Merit Scholarship Competition
    Finalist in either the National Merit Scholarship Competition, National Achievement Scholarship Program for African Americans, National Hispanic Recognition Program quality for a full tuition scholarship. Semi-Finalists and Commended placements will receive scholarships based on requirements for the Freshman Academic Scholarship or the Transferring Student Scholarships. 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.

Transfer Academic Scholarship

The Transfer Academic 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. This scholarship is based on a combination of the student’s ACT score* and cumulative college GPA. This scholarship will automatically be awarded once all college transcripts and test scores are received.

Transfer students can receive this scholarship each year by maintaining the combined point total from their cumulative GPA and ACT score. The cumulative GPA is determined after their first semester at Southern and then yearly after the fall semester. Southern does not round up numbers for this scholarship.

*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 Transfer Academic Scholarship:

Step One. Take cumulative college 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

4,800-5,700 Bronze+Scholarship $2,000
5,701-6,600 Silver+Scholarship $4,000
6,601 and up Gold+Scholarship $6,000

Transfer students that do not have an ACT score can qualify for a scholarship based on their cumulative GPA only. Transfer students can receive this scholarship each year by maintaining a cumulative GPA as listed below. The cumulative GPA is determined after their first semester at Southern and then yearly after the fall semester. Southern does not round up numbers for this scholarship.

Bronze Circle $1,000 with maintenance of 3.00-3.39 GPA
Silver Circle $2,000 with maintenance of 3.40-3.79 GPA
Gold Circle $3,000 with maintenance of 3.80 and above GPA

Transfer students can only qualify for one of the above scholarships and it cannot be combined with any freshman level scholarship.

Other Institutional Scholarships and Discounts

Summer Ministries 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 - $165 per full week worked, with a cap of $2,000. 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. This information is needed early for budgeting and awarding.

Performance Scholarships

Each year performance scholarships are awarded by the School of Music (for the Orchestra, Wind Symphony, and choirs), Gym-Masters, and 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 423.236.2835.

Southern Scholars Financial Information

View Southern Scholars Financial Information  

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 Waiver

Southern Adventist University offers to incoming freshman and first-time transfer students the opportunity to take advantage of FREE tuition for one class (equaling 3 credit hours) during the third summer session. Students accepted for the fall semester are automatically eligible to attend.

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.

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 www.finaid.org. There are several searchable databases of lots of private scholarships, fellowships, grants, and loans at websites such as www.fastweb.com or www.scholarships.com for example. 

 Please Take Note

  • Applicants for admission and financial aid will be awarded scholarships on a first-come, first-served basis until Southern scholarship funds are depleted. Plan ahead and submit the applications as early as possible. Priority deadline is March 31.
  • 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 at Southern Adventist University’s main campus in Collegedale, TN.
  • All scholarship offers are contingent on the student enrolling during the 2015-2016 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 grants are 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 www.fafsa.ed.gov. 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 seeking 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 only to students accepted into the nursing program, 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 set each year in June by Congress at a fix rate not to exceed 10.5%. In addition, the origination fee of up to 4.288% of the loan principal is deducted proportionately from each disbursement made. This fee is subject to change.

Parent must apply for the loan online at studentloans.gov. 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 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 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 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 Direct 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 Direct 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 Direct 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 Direct 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.

The Direct Loan interest rate is set each year in June by Congress at a fix rate not to exceed 8.25%. In addition, a Federal origination fee of up to 1.072% of the loan principal is deducted proportionately from each disbursement made, the origination fee is subject to change. For additional information on the interest rate visit studentaid.ed.gov.

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.

After the FAFSA is completed, the student must sign a master promissory note and complete entrance counseling online at studentloans.gov before the loan is released onto their account.

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 or their account is flagged as past due. 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.

SALT: Soul-Winning and Leadership Training Fees

Students interested in the SALT program must contact the program coordinator or visit the SALT website at www.southern.edu/salt. Program costs vary depending on whether or not a student wants to obtain academic credit for the semester. For credit, regular Southern tuition rates apply and scholarships and financial aid are available. For non-credit participants, program fees will be at an audit rate of $3,780 per semester.

High School Students Tuition Program

Eligible juniors and seniors may take up to six credit hours of Southern’s on-campus classes at one-half the current tuition rate per hour. Students eligible for denominational subsidy will receive subsidy based on the actual tuition charged. Private music lesson fees are at the regular Southern tuition rate. Does not apply to lab fees or other charges that may be in addition to tuition.

Student Missionaries and Task Force Workers Waiver Program

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 rebate to cover 90% of the tuition for these classes.

Students enrolled in COMM 291 /COMM 391 , Intercultural Communication Practicum, will be given a partial tuition rebate.

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

Summer Evangelist Waiver Program

Students serving as Summer Evangelists with the Pierson Institute of Evangelism and World Missions and enroll in NOND 226  will receive a rebate to cover 90% of tuition for this class.

Senior Citizen and Light Volunteer Tuition Waiver Program

Persons 65 years of age or over or Light Volunteers may audit one undergraduate course free of charge per semester, or take for credit one undergraduate course, at one-half the current tuition rate per hour. The waiver does not apply to lab fees or other charges that may be in addition to tuition.

There must be space available in the class to be eligible for this plan. Individuals must submit a non-degree application to Enrollment Services and then register for the class through Records and Advisement.

Financial Aid Procedures

Financial Aid Applications

The Free Application for Federal Student Aid (FAFSA) must be submitted annually to apply for the federal, state, and institutional aid programs. This application should be completed online at www.fafsa.ed.gov 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. Southern strongly encourages selecting the automatic IRS Tax Return Data Match when completing the FAFSA to ensure accuracy of financial information and avoid potential verification delays.


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.
  2. Copies of parents’ IRS Tax Transcript.
  3. Copies of student’s IRS Tax Transcript.
  4. Supplemental Nutrition Assistance Program (SNAP) documents.
  5. Child support documents.
  6. Statement of Identity and Educational Purpose.

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 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 signed and returned within the allotted time.

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

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 after the semester’s census date and once the master promissory note (MPN) and 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. Exit interviews are required for each type of loan 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 all loan exit interviews are 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 (SAP) 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 financial aid warning. If the cumulative GPA or the completion rate is below the required level at the end of the warning period, the student will be ineligible to receive financial aid and may file an appeal with the Financial Appeals Committee.

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. If approved, the student will be placed on financial aid probation and must sign the SAP Appeal Response Certification form before financial aid is reinstated.

Financial Aid Refund Policy

Financial aid is considered to be used first for direct educational costs (tuition, fees, room, board, and books), therefore, 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 federal regulations, refunds due to Federal Title IV programs will be allocated according to the following priority:

  1. Unsubsidized Federal Direct loans
  2. Subsidized Federal Direct 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 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 www.southern.edu/hr 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 University Health Center 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 a maximum of 24 hours per week during the fall and winter semesters, including vacation periods. They can work a maximum of 38 hours per week during the summer sessions. 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, they voluntarily return their earnings to be applied to their student account or their account is flagged as past due. 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. If under 18 when the semester begins, the payment contract must also be signed by a parent or legal guardian.

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 their 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) $ 840.00  
Tuition for 12-16 semester hours (flat fee) 9,925.00  
Tuition for each semester hour over 16 645.00  
Tuition for each semester hour of summer school 645.00  
Tuition for high school students (on-campus) 420.00  
General Fee per semester* 400.00  
Nursing Consortium Tuition per hour 340.00  

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 800.00  
Add/Drop fee 25.00  
Application for admission - online (non-refundable) 25.00  
Application for admission - paper (non-refundable) 40.00  
Audit tuition per semester hour:  
  If taking 9 or more undergraduate hours for credit Free  
  If taking 8 or less undergraduate hours for credit 420.00  
  SALT Certification (non-credit) 420.00  
Automobile parking fee (per semester):  
  Residence hall, Village, and Motorcycle 45.00  
Commitment deposit 250.00  
  Challenge or waiver 50.00  
  CLEP 80.00  
  Credit by examination recording fee (per hour) 40.00  
  TOEFL 25.00  
  Exam rescheduling fee 100.00  
Insufficient funds check fee and penalty 25.00  
**Insurance (Estimate Only):    
  Student 1,088.00  
  Spouse 1,088.00  
  Child 1,088.00  
  All Children (2 or more) 2,112.00  
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 1,100.00  
  Lab Fee 23 1,200.00  
  Lab Fee 24 1,300.00  
  Lab Fee 25 1,400.00  
  Lab Fee 26 1,500.00  
  Lab Fee 27 1,600.00  
  Lab Fee 28 1,700.00  
  Lab Fee 29 1,800.00  
  Lab Fee 30 1,900.00  
  Lab Fee 31 2,000.00  
  Lab Fee 32 2,500.00  
  Lab Fee 33 3,000.00  
Late return of organizational uniform 40.00  
  (The full cost will be charged if irreparably damaged or not returned.)    
ID Card Replacement fee 20.00  
Medical Laboratory Science recording fee (senior year) 55.00  
Music Lesson fee (per semester hour) 175.00  
Nursing Deposit 400.00  
Online Learning fee (per semester hour) 150.00  
RN Update Fee 440.00  
Packing and moving fee Actual Cost  
Rent per semester:    
***Residence Hall 1,890.00  
  Southern Village 2,042.50  
  Spalding Cove 2,145.00  
  Upper Stateside and Virginia 2,145.00  
Transcript fees:  
  Processing Fee 2.25  
  Electronic Option Fee 1.75  
  FedEx Service (U.S. and Canada destinations only) 25.00  

 *The general fee is charged to each student enrolled for 6 or more credit hours in the fall and winter semester and 12 or more credit hours in the summer semester. The fee is used for computer technology, registration, and access to the Wellness Center.
**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)  9,925   19,850   9,925   19,850  
General Fee  400   800   400   800  
Residence Hall Rent** 1,890   3,780          
Food 1,100   2,200          
Books and Misc. Supplies 550   1,100   550   1,100  
Total Estimated Costs* 13,865   27,730   10,875   21,750  

(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.

Student Account Approved Charges

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

Meals plans at Southern Adventist University are optional, yet any student can register for one. However, in order for a student to charge food to the student account the student must first select a plan. If a plan is not selected, the student can use cash, debit, or credit card to make food purchases at select eateries on campus.

Students select their meal plan by completing the Meal Plan and Prepaid Campus Account Contract found at southern.edu/card. Depending on the plan selected a student will receive an automatic discount applied per transaction as indicated below. The following options are available for each semester of the 2015-2016 school year:

Summer 2015, Fall 2015, and Winter 2016 Semesters

Opt out N/A  
Option 1 $  100  
Option 2     500  
Option 3*     800  
Option 4*  1,100  
Option 5  1,400 3%
Option 6  1,700 4%

*Students residing in Talge, Thatcher, and Thatcher South will be billed option 4 during the fall and winter semesters, and summer nursing students option 3 until Enrollment Services is otherwise notified.

All residence hall students (Talge, Thatcher, and Thatcher South) will be automatically assigned to the option 4 plan during the fall and winter semester, and summer nursing students’ option 3, unless a different plan is selected. Students that reside in Southern housing (resident hall or campus owned housing) and are on a meal plan will be exempt from paying sales tax on meal plan purchases. For all other individuals, sales tax will be applied to food purchases.

Each semester the meal plan will reset to the default level and a new plan must be selected. Meal plan sign-up opens during early registration and can be changed through the last day to add classes for each semester. At that time, the base plan amount cannot be changed. Students that have not selected a plan can still add a meal plan. Once a student has charged the maximum allowed on their plan they must either pay directly for their purchase or, at any point during the semester, students may add-on value in $100 increments. The discount rate is determined by the base plan amount. To select an add-on amount see the Enrollment Services office or complete the Meal Plan and Campus Account Add-on form found in My Access.

Students will be refunded up to 20% of their meal plan at the end of the semester if unused. The refund applies to the total meal plan value which is the combined total of the base plan plus any add-on amounts. Students that withdraw from all classes during the semester will be refunded the unused portion of their meal plan.

The meal plan for the summer begins May 10, 2015, and ends August 20, 2015, fall semester begins August 21, 2015 and ends on December 31, 2015, and winter semester begins January 1, 2016, and ends on May 7, 2016.

Prepaid Campus Account

For students that want the option of purchasing items at the Village Market (non-deli), Campus Shop (non-books), and other places on campus, onto their student account must select a Prepaid Campus Account option on the Meal Plan and Prepaid Campus Account Contract form online at southern.edu/card. Amounts available are $150, $300, $450, or $600. Once an option is selected the amount will be billed to the student’s account.

At the end of the semester any unused portion will be refunded to the student’s account. If no option is selected the student will not be able to use their ID card to make these types of purchases. Other options such as cash, debit cards, credit cards, or checks are available at some locations.

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.


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 finishes his or her Optional Practical Training, 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

Resident Hall Charges

Room charges are based on two students occupying one room. Residence hall accommodations costs for each individual are $1,810 (no private bathroom) or $1,890 (with private bathroom) per semester. 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 $2,835 per semester. Residence hall students living in the Southern Village apartments are charged $2,042.50 per semester.

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 non occupancy of the room, will be refunded.

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. 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.

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 non occupancy of the room, will be refunded.

Commitment Deposit

All Undergraduate Degree seeking students must pay or have on account the $250 Commitment Deposit in order to register for classes. This deposit is required regardless of whether the student is a commuter student* or residence hall/university housing student**. Priority deadlines for the Commitment Deposit are May 1 for the fall semester and November 1 for the winter semester. Commitment Deposits are accepted after these dates, but all deposits become non-refundable after May 1 and November 1.

The Commitment Deposit must be kept on account in order for a student to register each semester. The deposit will be refunded after graduation or notification from the student on the intent to discontinue enrollment starting one month after the end of the last semester in attendance. If the student has an outstanding balance, the deposit will be used to cover the remaining balance before any credit is returned. In addition, for returning residence hall/university housing students, upon checkout of the student’s housing assignment this deposit can be used, as necessary, to cover damage to the rental unit.

The deposit must also be on the student’s account for residence hall/university housing students and allows students to reserve a room or apartment each succeeding year. The residence halls hold a Housing Fair each spring in order to facilitate room reservations for the following academic year. However, if a student changes his/her mind after reserving a room or apartment for the following year, and decides not to return, the Commitment Deposit is no longer refundable if notification occurs after May 1.

*Commuter students: Students who do not live in university housing.

**Residence hall/university housing students: Students who live in university housing, including Talge Hall, Thatcher Hall, Thatcher South, Southern Village, Virginia Apartments, Stateside Apartments, Spalding Cove Apartments, Winding Creek Apartments, and other apartments and houses owned by the university.

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 http://aca-noborders.org.
  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 may 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/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 - 9th weeks 40%  
10th week through end of term 0%  



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



1st week 100%  
2nd week 50%  
3rd week through end of session 0%  

Refund of Credit Balances

Credit balances are refundable, upon request, 30 days after the monthly statement is received for the last month the student was enrolled 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. Two hundred dollars per month remaining in the semester will be kept on-account for any additional charges that may occur.

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

Default: Semester Balance
Students are expected to pay the semester balance, less any financial aid, before the beginning of classes.

Monthly Payment Plans
When a student is unable to pay the semester expenses upfront, Southern Adventist University offers two payment plans through the TouchNet Student Account portal at southern.edu/payment.

Once a student registers, their account will be charged for tuition, general fee, lab fees, housing, and meal plan as applicable. Once charges have been posted, students and authorized users can sign-up for a plan at southern.edu/payment. Payments due dates will be specified in the payment plan. In order to help lower the average monthly cost and spread the fall semester payments over additional months, students can sign up early for a payment plan in June and July.

Methods of Payment

Students, parents, and other authorized users can make payments in person, via mail, or online through the TouchNet Student Account portal at southern.edu/payment. Students must grant access to authorized users (including parents) within the system before authorized users can view or make payments to the student’s account. Students use their Southern’s username and password to access the system.

Credit Card Payments

Southern Adventist University honors VISA, MasterCard, Discover, American Express and debit 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) cardholder’s billing address; 4) credit card number; 5) expiration date; 6) three digit code on the back of the card; 7) student’s name and ID number; and 8) amount to be charged on 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 can be setup when the student or authorized user sets up a payment plan through the TouchNet Student Account portal at southern.edu/payment

Personal Check Payments

Payments made to a student’s account through mail or in person 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.

Payment via electronic check can be made online at southern.edu/payment.

Tuition Assistance

Please notify Enrollment Services if either parent is eligible for tuition assistance from an employer and complete the Tuition Assistant form. Indicate whether the employer is an educational institution or some other organization and if the assistance will be taxable or non-taxable. 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 the student’s parent is eligible for tuition assistance, the award letter must be adjusted. Please notify the Enrollment Services Office if this is the case.

Collection Policies and Procedures

Current Account Collections Policies

First Fall 2015 Semester Payment: Must be Paid or Classes Dropped on August 31

Starting in June, all registered students will be billed (as applicable) for tuition, general fee, lab fees, housing, and the semester meal plan.

A student’s account semester balance less any eligible financial aid must be paid by August 24, 2015 or current on a fall monthly payment plan within the TouchNet Student Account portal (southern.edu/payment), otherwise classes will be dropped by August 31, 2015 (the last day for a 100% refund). This information will be communicated both on the printed July statement to all students that have registered for classes by July 31, 2015 and in a separate letter mailed with the statement.

Students, and their parents, who have not paid by the 24th 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 August 31, 2015 (the last day of the 100% refund period) if the payment is not made. If the payment is not made by Monday, August 31, 2015 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 the required minimum payment, approved financing, or a payment plan approved by the Financial Appeals Committee before Monday, September 7, 2015 (the census date). If a student cannot reconcile their account by September 7, 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 after August 1, 2015, will be e-mailed a letter stating the need to pay their semester balance less any eligible financial aid or sign-up for an eligible payment plan which includes making the first payment amount, otherwise classes will be dropped as with the policy listed above.

Statements and Vendor Charges

Statements will be sent out no later than the 5th business day of each month. Miscellaneous department charges not on the vendor system should be submitted by the 25th of the month to be charged on that month’s statement in order to accomplish getting statements out in a timely fashion.

Late Payments and Consequences: Late Fees, Collection Letters, Work Earnings Reset, and Charging Privileges

For an individual not on a monthly payment plan, each statement has a consistent due date, which is the 24th of the following month. If payment is not made by the end of that particular month, a $25 late fee is charged and 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.

For students on a monthly payment plan they will be sent a printed monthly statement detailing any new charges, however the payment amount and payment due date will only be listed on the online payment plan. An automated reminder email will be sent two days before the payment due date and when the payment is late. A $25 late fee will be charged three days after the payment plan due date.

First Winter 2016 Statement: Must be Paid or Classes Dropped on January 18

Eligibility for returning students to register for the Winter 2016 semester will be based on the student having paid their account balance in full or be current on their monthly payment plan.

Students that have registered for the Winter 2016 semester must have paid their account balance less any financial aid or be current on a winter semester monthly payment plan with the TouchNet Student Account Portal by January 18, 2016, otherwise their classes will be dropped on January 18, 2016 (the last day to receive a 100% refund for the Winter 2016 semester).

Eligibility to Register for Summer or Fall 2016

Eligibility for returning students to register for any Summer or Fall 2016 classes will be based on them having their account balance paid in full or be current on a monthly payment plan within the TouchNet Student Account portal.

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).

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 paid or current on a monthly payment plan. 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 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.

Non-Current Account Collections Policies

Students completing or terminating their studies with the university are required to pay their balance in full prior to leaving. Once a student is no longer actively enrolled in current or future classes and has not paid off all of their expenses, the account will be designated as non-current. 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 Adventist University (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.

Credit Bureau Reporting

When a student account designation has been changed from current to non-current, a collection letter will immediately be sent to notify the student that adverse information will be reported to the credit bureau if satisfactory payment arrangements are not made. Once an account is reported to the credit bureau it will continue to be reported until their account is paid in full and has no activity for six months or is transferred to a collection agency.

Collection Agency Collection Policies

At day 120 after the conversion to a non-current account, if payment in full or satisfactory arrangements have not been made, the account will be transferred to a collection agency and/or attorney.

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

Transcript and Diploma Requests

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 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.

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 filing, 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.