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    Southern Adventist University
   
 
  Nov 22, 2017
 
 
    
Undergraduate Catalog 2017-2018

Financing Your Education



Student Finance Mission Statement

In a spirit of Christ-likeness, Student Finance makes every effort to contact, recruit, enroll, and financially work with academically qualified students who commit to Southern Adventist University’s learning community.

Financial Aid Available

Renewable 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.

Freshman Academic Scholarship - Eligibility 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. The scholarship amount will not exceed the 12-16 credit hour tuition rate.

Freshman Leadership Scholarship - Students who have served in the following leadership positions during their senior year of high school may qualify for $10,000 Freshman Leadership Scholarship (awarded $2,500 per year for four years).

  • Student Association President, Vice President or Pastor
  • Senior Class President, Vice President or Pastor

Freshman State Replacement Scholarship - Students from Alabama, Florida, Georgia, Kentucky, Mississippi, North Carolina, or South Carolina and have a minimum cumulative high school GPA of 3.0 may qualify for $12,000 Freshman State Replacement Scholarship (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.

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 $8,000 Freshman Lightbearer Scholarship (awarded $2,000 per year for four years) provided to encourage Adventist education.

Freshman National Merit Scholarship - Students who are finalists in the National Merit Scholarship Competition, National Achievement Scholarship Program for African Americans or National Hispanic Recognition Program may qualify for a full tuition scholarship. This scholarship amount will be capped at the 12-16 credit hour tuition rate.
Please Note: The first step for entering the National Merit Program is for students to take the PSAT test their junior year of high school. Students who qualify as a National Merit Semi-Finalist or a PSAT Commended Scholar will be notified by the National Merit Scholarship Corporation. The list of qualifying students is published and sent to U.S. colleges and universities. Semi-finalists may advance to finalist status by taking the SAT during their senior year and by meeting other requirements outlined by the National Merit Scholarship Corporation.

General Eligibility & Renewal/Regain Criteria for Freshman Scholarships
  • Students must be enrolled full time each semester to renew their scholarships. Students who are in their final semester before they graduate and are below full time status, will have their scholarships renewed and prorated based on the number of hours enrolled divided by 12. These scholarships cannot be combined with the Transfer Scholarships.
  • Students can receive these scholarships for a maximum of 8 semesters.  Semesters missed due to loss of eligibility will not extend the maximum length. Student Finance may grant a one semester extension. Requests for additional extensions will be reviewed by the Financial Appeals Committee.
  • Students enrolled below full time will continue to be eligible in future semesters (based on full time enrollment).  Each semester below full time enrollment will count against the maximum number of semesters of eligibility.
  • Students must maintain a minimum cumulative 3.0 GPA to qualify for these scholarships each academic year. Renewal eligibility is determined after the completion of a student’s first semester in attendance. Once eligibility is determined for the following year, the student would receive the award for two semesters (Exception for summer AS Nursing students) even if their GPA falls below minimum requirements during the same academic year.
  • Students will lose scholarship eligibility if they are not enrolled for two consecutive semesters. Students attending Adventist College Abroad (ACA) or participating in the Student Missions or Medical Technology programs will be considered enrolled.

Renewable Transfer Academic Scholarships

Students who have earned more than ten hours of college credit may qualify for a Transfer Academic Scholarship. This scholarship is renewable and is based on the 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.   Students can continue to 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 calculate eligibility for the Transfer Academic Scholarship, use Points Formula below:
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
*To convert a SAT score to an ACT score, call 1-800-SOUTHERN for an Admissions Counselor.

TOTAL POINTS SCHOLARSHIP YEARLY AMOUNT
4,800-5,700 Bronze Scholarship $2,000
5,701-6,600 Silver Scholarship $4,000
6,601-7,300 Gold Scholarship $6,000

Transfer students that do not have an ACT score can qualify for a scholarship based on their cumulative GPA only. This scholarship is renewable. Students can continue to receive this scholarship each year by maintaining their 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.

CUMULATIVE GPA SCHOLARSHIP YEARLY AMOUNT
3.00-3.39 Bronze Circle Scholarship $1,000
3.40-3.79 Silver Circle Scholarship $2,000
3.80 & higher Gold Circle Scholarship $3,000
General Eligibility & Renewal Criteria for Transfer Scholarships
  • Students must be enrolled full-time each semester to renew their scholarships. Students who are in their final semester before they graduate and are below full-time status, will have their scholarships renewed and prorated based on the number of hours enrolled divided by 12. These scholarships cannot be combined with any Freshman Scholarships.
  • Students can receive the Transfer Academic Scholarship for a maximum of 8 semesters. Semesters missed due to loss of eligibility will not extend the maximum length. Student Finance may grant a one-semester extension. Requests for additional extensions will be reviewed by the Financial Appeals Committee.
  • Students enrolled below full-time will continue to be eligible in future semesters (based on full-time enrollment). Each semester below full-time enrollment will count against the maximum number of semesters of eligibility.
  • Students must maintain a minimum cumulative 3.00 GPA to qualify for the Transfer Academic Scholarship each academic year. Renewal eligibility is determined after the completion of a student’s first semester in attendance. Once eligibility is determined for the following year, the student would receive the award for two semesters (exception for summer AS Nursing students) even if their GPA falls below minimum requirements during the same academic year.
  • Students will lose scholarship eligibility if they are not enrolled for two consecutive semesters. Students attending Adventist Colleges Abroad (ACA) or participating in the Student Missions or Medical Technology programs will be considered enrolled.

Institutional Scholarships and Grants

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 Student Finance 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.

Literature Evangelism Scholarship - Scholarship amount is determined by the amount of summer earnings from LE that is placed on the student’s account.  Southern will match earnings at 50%, with a max of $2,000.

Summer Camp Scholarship - Scholarship amount is determined by the number of full weeks worked. Students may qualify for $170 per week, with a max of $2,000. To apply for this scholarship, the camp director must submit the number of weeks worked, based on the camp contract, to the Student Finance Office.

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 enrolled 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 Honors Program Scholarships

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

SCHOLARSHIP YEARLY AMOUNTS
Participation in Honors Program for 2nd year $1,500
Participation in Honors Program for 3rd year $2,500
Participation in Honors Program for 4th year $3,500

For more information, contact Dr. Mark Peach at 423.236.2743 or peach@southern.edu.

Student Missionary/Task Force Scholarship

This scholarship is $1,500 and is available to qualified students who attend Southern the year following their term of service. For more information, call the Chaplain’s Office at 423.236.2787. Not available to freshmen or those with less than eight months of service.

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

General Scholarship Awarding Policies

  • Applicants for admission and financial aid will be awarded scholarships on a first-come, first-served basis until scholarship funds are depleted. Priority deadline is November 30.
  • All scholarships are divided and distributed equally over the fall and winter semesters. Scholarships are not applicable for summer sessions.
  • For students who apply and qualify for federal financial aid, determination of the total amount of scholarships given is guided by federal guidelines. Southern Adventist University 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 (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 institutional scholarships and awards.
  • The total scholarship/grant cost to Southern Adventist University will 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 towards their first undergraduate degree at Southern Adventist University’s main campus in Collegedale, TN.
  • All scholarship offers are contingent on the student enrolling during the 2017-2018 school year and are not transferable to a future semester or year.
  • Southern Adventist University reserves the right to change or amend any of the scholarship policies at any time.

Institutional Grants

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 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. Awards are made on a fund available basis. Notification to eligible recipients will be listed on the Financial Aid Award Letter. Recipients must complete a thank you note for the donors upon request by Advancement.

General 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 (ACA), and off-site campus classes are not eligible for institutional funds, and do not count toward the six credit hours. Students who have been awarded funds based on full-time enrollment, but enroll below full -time, will have an adjustment made (up to the total loss of the funds awarded) after census date (last day to add as listed on the academic calendar). Please consult with the Student Finance Office if you plan to enroll in less than 12 hours in any semester.

Federal Loans and Grants

Direct Loans

Federal low-interest loans made to students attending college at least half-time. These loans are insured by a guarantee agency and re-insured by the federal government. A borrower must repay these loans.

Direct Subsidized Loans are based on financial need/financial status according to the FAFSA.  The US Department of Education pays the interest on the loan as long as the student is enrolled in school at least half-time. The student must sign a master promissory note (MPN) and complete entrance counseling online at studentloans.gov before the loan is released onto their account. Repayment of the loan generally begins six months after the student graduates, leaves school or drops below half-time enrollment. 

Direct Unsubsidized Loans are awarded regardless of need/financial status. The student is responsible for paying the interest, which accrues while enrolled in school. The student must sign a master promissory note (MPN) and complete entrance counseling online at studentloans.gov before the loan is released onto their account.  Repayment of the loan generally begins six months after the student graduates, leaves school or drops below half-time enrollment.

Dependent undergraduate students–Amounts borrowed are based on the criteria below with $31,000 total maximum in Direct Loan debt.

QUALIFICATIONS YEARLY AMOUNT
First-year students enrolled in a program of study that is a full academic year $5,500 max
Completed at least 24 credit hours and remainder of program is a full academic year $6,500 max
Completed at least 55 credit hours and remainder of program is at least one academic year $7,500 max

Independent undergraduate students OR dependent undergraduate students whose parents do not qualify for PLUS loans–Amounts borrowed are based on the criteria below with $57,500 total maximum in Direct Loan debt, with no more than $23,000 in subsidized loans.

QUALIFICATIONS YEARLY AMOUNT
First-year students enrolled in a program of study that is a full academic year (At least $6,000 of this amount will be in unsubsidized Direct Loans) $9,500 max
Completed at least 24 credit hours and remainder of program is a full academic year (At least $6,000 of this amount will be in unsubsidized Direct Loans) $10,500 max
Completed at least 55 credit hours and remainder of program is at least one academic year (At least $7,000 of this amount will be in unsubsidized Direct Loans) $12,500 max

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 Student Finance Office.

Direct Loan interest rates are set each year, in June, by Congress. A federal origination fee is deducted proportionately from each disbursement made; the origination fee is subject to change. For additional information on Direct Loan interest rates, please visit studentaid.ed.gov.

Direct PLUS Loans

Federal loan made available to parents of dependent undergraduate students who have satisfactory credit histories. A borrower must repay this loan.  Students must be enrolled at least half-time. The yearly loan limit is the cost of education minus any estimated financial aid that the student is eligible to receive. Parents must apply 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.  Parents will be notified in writing, with a full explanation if such a circumstance should arise.

Direct PLUS loan interest rates are set each year, in June, by Congress. A federal origination fee is deducted proportionately from each disbursement made; the origination fee is subject to change. For additional information on Direct PLUS Loan interest rates, please visit studentaid.ed.gov.

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.

Perkins Loans

Low-interest federal student loans, made by Southern Adventist University, available for undergraduate students. Students may borrow up to $5,500 per year from the Federal Perkins Loan Program through Southern Adventist University.  A borrower must repay this loan. Funds are dependent on student’s financial need and the availability of funds.  Borrowers must be awarded the yearly max in Direct Loans (subsidized and unsubsidized) before Perkins can be given. Students must sign a master promissory note (MPN) and complete entrance counseling online before the loan is released onto their student account. Interest rates for Perkins Loans is five percent. Repayment of loans begins nine months after student graduates, leaves school, or drops below half-time enrollment.

Nursing Student Loans

Low-interest federal student loans, made by Southern Adventist University, available to undergraduate students, who are pursuing a course of study leading to a BS Nursing degree. Students may borrow up to $3,000 per year. The amount can be increased to $5,200 per year if in final 2 years of BS degree.  A borrower must repay this loan. Funds are dependent on student’s financial need and the availability of funds.  Students must sign a promissory note and complete entrance counseling online each academic year before the loan is released onto their student account. Interest rates for Nursing Student Loans is five percent. Repayment of loans begins nine months after student graduates, leaves school, drops below half-time enrollment or is no longer pursuing a BS Nursing degree.

Pell Grants

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 congressional 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.

Supplemental Educational Opportunity Grants (SEOG)

This grant is awarded to students with exceptional need when funds are available from the federal government.

Federal Work Study

This program is 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 maximum of 24 hours per week during the fall and winter semesters, including vacation periods. They can work a maximum of 38 hours a week during the summer. 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 a method of payment. It is not additional funding on top of the student’s earnings. Further information is available from the Student Finance Office.

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.

Institutional Waivers and Discounts

High School Student Tuition Program

Eligible high school juniors and seniors may take up to six credit hours on Southern Adventist University’s main campus at one-half the current tuition rate per hour. They may also take up to six credit hours on Southern Adventist University’s online campus at the rate of $150/hour. The tuition discount does not apply to lab fees or other charges that may be in addition to tuition. Students eligible for denominational subsidy will receive subsidy based on the actual tuition charged.

Lights Volunteer Tuition Waiver

Lights Volunteers who have achieved a cumulative total of 200+ hours of service 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 benefit. Please contact the Lights Volunteer office if you plan to enroll in a course.

SALT: Soul-Winning and Leadership Training Fees

Students interested in the SALT program must contact the program coordinator or go to 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 tuition rates apply and scholarships and financial aid are available. For non-credit participants, audit tuition will be a flat fee for the semester.

Senior Citizen Tuition Waiver

Students, 65 years of age and older 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 benefit. Individuals must submit a non-degree application to Admissions and then register for the class through Records and Advisement.

SmartStart Tuition Waiver

Southern Adventist University offers 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.

Student Missionaries & Task Force Workers Tuition Waiver

Students, who serve as Student Missionaries or Task Force Workers and are enrolled in NOND 227 /NOND 228  Christian Service I /II, will receive a waiver to cover 90% of the 6 credit hours of tuition for these classes.  They will also receive a waiver for 100% of the General Fee.  Students enrolled in COMM 291 /COMM 391 , Communication Practicum, will be given a partial tuition waiver.  All students serving as Student Missionaries or Task Force Workers must have their student account paid and be cleared by the Student Finance Office prior to registering for NOND 099  or NOND 227 /NOND 228 

Summer Evangelist Waiver

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

Financial Aid

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 Student Finance Office follows established procedures and practices which will assure equitable and consistent treatment of all applicants.

Students are urged to contact the Student Finance Office, P.O. Box 370, Collegedale, TN 37315-0370, phone 1.800.SOUTHERN, 423-236-2535, or go to our website www.southern.edu for additional information.

Financial Aid Application

The Free Application for Federal Student Aid (FAFSA) must be submitted annually to apply for the federal, state, and institutional aid programs. This application needs to be completed online at www.fafsa.ed.gov. Southern Adventist University’s TITLE IV code is 003518.

Applications received by the priority deadline of November 30 will be given preference. To meet this deadline, the FAFSA should be submitted no later than November 1. Applications received after November 30 will be processed as long as time and funds permit.

Southern Adventist University strongly encourages selecting the automatic IRS Data Retrieval Tool when completing the FAFSA to ensure accuracy of financial information and avoid potential verification delays.

Transfer Student Financial Aid Application

Financial aid for students transferring from other institutions will be determined by their academic standing, which will be calculated on all hours Southern Adventist University 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 Application

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

Eligibility for 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 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. 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 (SAP) 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 up to $20,000 by the US Department of Education, sent to prison, or both.

Academic Progress Requirements and Standards

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, including 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.

Academic Progress Qualitative Standards

CUMULATIVE CREDIT HOURS ATTEMPTED CUMULATIVE GRADE POINT AVERAGE
0 - 23 1.50 or above
24-54 1.75 or above
55 or above 2.00 or above

Academic Progress Quantitative Standards

Students must complete and pass a minimum of 67 percent of attempted credit hours toward a degree to be making satisfactory academic progress (SAP). 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

DEGREE PROGRAM DEGREE MAX. TIME TO RECEIVE 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 Adventist University’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 Adventist University without financial aid assistance or attend another accredited institution to fulfill the progress requirements, subject to approval in accordance with transfer credit policies. 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 by the Student Finance 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 Award and Disbursement Procedures

Financial Aid Award & Overaward Procedures

A financial aid award letter will be sent to each accepted applicant after the Student Finance Office receives the FAFSA results. 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 the following:

  • Federal, State, Private, or Institutional Scholarships & Grants
  • Federal Work-Study
  • Federal Student Loans

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 Student Finance 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 account, any adjustments due to overawards will be charged to the student’s account.

Financial Aid Verification

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

  • The Federal Verification Worksheet
  • Copies of parents’ IRS Tax Transcript
  • Copies of student’s IRS Tax Transcript
  • Supplemental Nutrition Assistance Program (SNAP) documents
  • Child support documents
  • Statement of Identity and Educational Purpose

Financial Aid Disbursement Procedures

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 counseling requirements are met.

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
  6. Federal Supplemental Educational Opportunity Grant
  7. Other Title IV aid

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 the Student Finance Office.

Financial Aid Repayment Policy

There are specific repayment policies for students who withdraw completely from Southern Adventist University 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 Adventist University and then charged to the student’s account.

Student Financial Responsibility

Student Responsibility for University Expenses

The Student Finance 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.

Each year, before registering, each student must sign the Financial Responsibility Agreement indicating acknowledgment of this responsibility.

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 Finance Office when help is needed.

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 12 to 20 hours a week.

Student Labor Regulations

Although Southern Adventist University cannot guarantee a student employment, there are multiple work opportunities 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. 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 documents, such as their Social Security card, passport, driver’s license, or original birth certificate, in order to legally complete the hiring process. 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.

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 Workers’ Compensation Insurance

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

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 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 Adventist University.

Tuition and Fees

Effective May 1, 2017, the following tuition and fees apply only to undergraduate students. Information concerning tuition and fees for graduate students is available in the Graduate Catalog. Visit www.southern.edu/graduatestudies.

Tuition and General Fee

Tuition per credit hour (1-11 hours) $ 870.00  
Tuition for 12-16 credit hours (flat fee) 10,350.00  
Tuition per credit hour over 16 675.00  
Summer Tuition per credit hour 675.00  
Tuition for high school students per credit hour (on-campus) 435.00  
General Fee per semester* 425.00  
Audit Tuition per credit hour:    
  If taking 9 or more undergraduate hours for credit FREE  
  If taking 8 or less undergraduate hours for credit 435.00  
  SALT Certification (non-credit) (flat fee) 3,915.00  
Nursing Consortium Tuition per credit hour 348.00  

Other Charges and Fees

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

Add/Drop Fee   $  25.00  
Application Fee - online (non-refundable) 25.00  
Application Fee - paper (non-refundable) 40.00  
Continuing Education Units 10.00  
Examination Fees:  
  Challenge or waiver 50.00  
  CLEP 80.00  
  Credit Recording (per credit hour) 40.00  
  TOEFL 25.00  
  Exam Rescheduling Fee 100.00  
Insufficient funds check fee and penalty 25.00  
Insurance** (Estimate Only):    
  Student 1,570.00  
  Spouse 1,570.00  
  Child 1,570.00  
  All Children (2 or more) 3,140.00  
  All Dependents 4,710.00  
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  
Meal Plans:    
  Bronze Plan 1,250.00  
  Silver Plan (default) 1,450.00  
  Gold Plan 1,650.00  
Medical Laboratory Science Recording Fee (senior year) 55.00  
Music Lesson Fee (per credit hour) 175.00  
Online Learning Fee (per credit hour) 150.00  
RN Update Fee 440.00  
Packing and Moving Fee Actual Cost  
Parking Permit Fee (per semester) 45.00  
Residential and Campus Housing (based on double occupancy per semester):      
  Residence Hall*** 2,125.00  
  Southern Village 2,300.00  
  Spalding Cove 2,405.00  
  Upper Stateside 2,300.00  
Transcript fees:  
  Printed Transcript (per destination) 2.25  
  Electronic PDF Transcript (per destination) 4.00  
  FedEx Overnight Delivery Service (U.S. and Canada destinations only) (per destination) 27.25  

 *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.
***See Residence Hall/Campus Housing Charges for further explanation of rent charges.

Deposits

Commitment Deposit $  250.00  
International Student Deposit 3,000.00  
Nursing Deposit 200.00  

Estimated Student Budget

  Residence Hall Student Non-Residence Hall Student
  Semester    Year Semester    Year
Tuition (12-16 credit hours)    $10,350   $20,700   $10,350   $20,700  
General Fee  425   850   425   850  
Residence Hall Rent** 2,125   4,250          
Meal Plan 1,450   2,900          
Books and Misc. Supplies 550   1,100   550   1,100  
Total Estimated Costs* $14,900   $29,800   $11,325   $22,650  

(Health insurance, parking permits, 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.
**See
Residence Hall/Campus Housing Charges for further explanation of rent charges.

Adventist Colleges Abroad

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

  1. Obtain an ACA application from the Modern Languages Department or online at http://aca-noborders.org
  2. Complete and return the ACA application to the Student Finance Office
  3. Before leaving, students must:
  • Have student account paid in full (does not include pending ACA charges)
  • Complete all necessary paperwork for federal financial assistance and receive a financial aid award letter before August 1, if relying on financial aid.  Please note that Institutional Aid is not available for ACA students.
  • Set-up a payment plan or pay ACA charges in full for the upcoming school year.
  • Register online for ACA 050.

Bank/Check Cashing

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

Books

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.

Deposits

Commitment Deposit

All undergraduate degree-seeking students must pay (or have on account) a $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/campus 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 as of 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 of their intent to discontinue enrollment, starting one month after the end of the last semester in attendance. If the student has an account balance, the deposit will be used to cover the remaining balance before any credit is returned.

The Commitment Deposit also allows students to reserve a room or apartment. 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 May 1 or after for fall semester and November 1 or after for winter semester.

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

**Residence hall/Campus Housing students: Students who live in 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.

International Student Deposit

In addition to the regular University costs, international students must pay 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 before a U.S. Immigration Form I-20 is sent to the prospective student for entry into 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 will be refunded once the student graduates, withdraws from Southern Adventist University, or finishes their Optional Practical Training (OPT), at which time the international deposit will be applied to the student’s account and used to cover any remaining balance before credit is returned.

Insurance

Health and Accident Insurance

Southern Adventist University policy requires most 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 Southern Adventist University housing will be required to have Southern Adventist University’s health and accident insurance, unless a signed waiver is submitted each semester. Students who have signed a waiver may later request plan enrollment at any time. A refund of the premium is allowed through the first day of the semester, subject to certain restrictions.

For policy information on benefits, terms, and limits visit southern.edu/risk.

Personal Effects Liability

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

Meal Plans

Residence Hall Students

Meal Plan Amount per Semester   Food Service Fee ** Available Balance t Purchase Discount tt Buying Power ^ Possible Refund ^^
Bronze $1,250   $450 $800 40% $1,333 $50
Silver * $1,450   $450 $1,000 40% $1,667 $250
Gold $1,650   $450 $1,200 40% $2,000 $450

Students living in Talge, Thatcher, and Thatcher South will automatically be enrolled in Southern Adventist University’s Silver meal plan with the option of changing to a Bronze or Gold plan, representing lower and higher balance options. The meal plan allows students to purchase food from the Dining Hall, KR’s place, the Kayak, Village Market Deli, and vending machines on campus. Meal plan purchases are exempt from sales tax.

Meal plan options are provided to assist students in establishing their desired monthly payment plan amount and do not change the actual costs incurred by students over the course of the semester. Students can change their meal plan level through census, the last day to add a class, each semester. In addition, at any point in the semester, students can add value in $100 increments as necessary. Each time a meal plan’s Available Balance drops below $20, the meal plan will automatically be increased by $100 to ensure students have continued access to food services.

All meal plan purchases-with the exception of prepackaged foods, bottled drinks, and vending machine items-will receive a 40% discount at the register.

All plans have a possible refund based on the remaining portion of the Available Balance (see above).  In addition, for students who have added value ($100 increments), the unused portion of the increments are 100% refundable.

For students that withdraw from Southern Adventist University, the unused portion of the Available Balance will be refunded at 100%. The Food Service Fee will be refunded based on the tuition refund schedule (see Refund Policies section of catalog).

Grocery purchases at the Village Market are not a part of the meal plan, but can be purchased from the Prepaid Campus Account (see Prepaid Campus Account).

* Silver, Default Plan All Residence Hall students will automatically be billed the Silver meal plan.
** Food Service Fee Each meal plan includes a $450 Food Service Fee that assist in covering the fixed cost associated with food preparation.
t Available Balance The available balance represents the amount students have left in their account for food purchases.
tt Purchase Discount All food purchases-with the exception of prepackaged foods, bottled drinks, and vending machine items-will receive a 40% discount at the register. This allows students with a $1,450 meal plan to purchase $1,667 worth of non-prepackaged food.
^ Buying Power This is the effective purchasing power of the available balance when used on food purchases-with the exception of prepackaged foods, bottled drinks, and vending machine items- at a 40% discount.
^^ Possible Refund Maximum refund available per level for unused portion of available balance. This does not include added $100 increments, which are 100% refundable.

Non-Residence Hall Students

Students not living in the residence halls may sign up for a meal plan starting at $250. Those not on a meal plan must pay via cash, credit, or debit card when making food purchases. Students that reside in University-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.

Purchases made on the $250 plan will receive a 20% discount at the register. Prepackaged foods, bottled drinks and vending machine items are not eligible for the discount. At any point in the semester, a student can add value in $100 increments as necessary. Unused portions of the Available Balance will be fully refunded at the end of the semester.

Additional Information

Each semester the meal plan will reset. Meal plan sign-up opens during early registration and can be changed through census (the last day to add classes) each semester. After census, the plan level cannot be changed, but Non-Residence Hall students can still add a meal plan. Students may change (Residence Hall) or add (Non-Residence Hall) a meal plan by completing the Meal Plan and Prepaid Campus Account Contracts found at southern.edu/card.  To select an add-on amount, students need to complete the Meal Plan and Campus Account Add-on form found at southern.edu/card.

The meal plan for the summer begins May 8, 2017, and ends August 15, 2017, fall semester begins August 16, 2017 and ends on December 31, 2017, and winter semester begins January 1, 2018, and ends on May 6, 2018.

Prepaid Campus Account

Students have the option of purchasing items at the Village Market (non-deli), Campus Shop (non-books), and other places on campus, through their Prepaid Campus Account. Funds can be added during the semester at southern.edu/card and the amount will be billed to their student account.

At the end of the semester any unused portion will be refunded to the student’s account. Students will not be able to use their ID card to make these types of purchases if there are no funds available in the Prepaid Campus Account. Other payment options include cash, debit cards, or credit cards.

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

Residence Halls/Campus Housing

Resident Halls

Residence Hall rates are based on double occupancy (two students occupying one room).  Charges are made on a semester basis. A student may, upon approval, be allowed to room alone. Single room occupancy is 1.5 times the normal rate. Non-suite rooms (Talge Hall only) are charged $40 less than regular rooms.  No refunds are made for vacation periods or absences from the campus. The Housing Fair is held each spring in order to facilitate room reservations for the following academic year. When a student moves out of the residence hall, a prorated portion of the semester rent will be refunded, based on date of check-out.  Failure to check-out properly may cause additional charges and fees.

Campus Housing

University-owned apartments and houses may be rented by students taking a minimum of six hours each semester (preference is given to married students). They are available on a first-come first-serve basis. Apartments range in size from one bedroom to three bedrooms and are rented unfurnished (furniture rental available). Additional information and housing application can be found at southern.edu/housing.

Rates range from $470-$900 per month and are subject to change without notice. Rent is charged in full, each semester. Approval must be obtained through the Student Finance Office for the rent to be billed on the student account. Charges are based on the date of issue/return of keys and proper check-in/out procedures. Additional keys are available for $5/key and will be billed on the student account. Key charges are fully refundable unless there are unreturned keys.

No refunds are made for vacation periods or absences from the campus. When a student withdraws, a prorated portion of the semester charge will be refunded, based on date of check-out. Failure to check-out properly may cause additional charges and fees.

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 NOND 099 , Student Missions Orientation, 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. 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.

Refund Policies

Refund for Dropping a Class or Complete Withdrawal

A student who withdraws completely or drops a class during the semester will receive a refund of tuition and fees based on the date the completed withdrawal/drop form (including required signatures), filed with the Records and Advisement Office. Financial aid received will also be adjusted based on the refund amount that a student receives.

FULL SEMESTER REFUND

WEEK REFUND PERCENTAGE
1st week 100%  
2nd and 3rd weeks 80%  
4th and 5th weeks 60%  
6th - 9th weeks 40%  
10th week through end of term 0%  

SHORTENED SUMMER SESSION REFUNDS

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

Refund of Credit Balances

Credit balances are refundable, upon request, one month 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 graduates in December, a full credit refund would not be made until after the January statement is processed during the first week of February. When the credit balance is large, a portion may be refunded earlier upon request to Student Finance - Billing and Collections Office.

If the student has a credit balance caused by a financial aid overaward, the necessary credit will be applied to the financial aid funds, according to the Financial Aid Refund Policy. If any credit remains, the 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.  Two hundred dollars will be kept on-account for any additional charges that may occur.

Returned Check Policy

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

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

If a student is unable to pay the semester expenses upfront, Southern Adventist University offers various 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. After the charges have been posted, students and/or authorized users can enroll for a plan at southern.edu/payment. Payment due dates are specific to the payment plan. In order to help lower the average monthly cost and spread the semester payments over additional months, students can sign up early for a payment plan. The monthly payment may be automatically increased to cover additional charges, in addition to tuition and fees, that are incurred over the course of the semester.

Students whose accounts have been reported to a credit bureau are not eligible for monthly payment plans and should be prepared to pay their semester balance, in full, before classes begin.

Payment Methods

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 user name and password to access the system. Students and/or authorized users can make payments in person, via mail, or online at southern.edu/payment.

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/debit card to pay on an account, the following information must be supplied:

  1. Type of Card
  2. Cardholder’s name
  3. Cardholder’s billing address
  4. Credit card number
  5. Expiration date
  6. CVV/CSC (3-digit code on back of card; American Express Cardholders: 4-digit code on front of card)
  7. Student’s name and ID number
  8. Amount to be charged

Automatic credit card payments can be setup when the student and/or authorized user enrolls in a payment plan 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 6-digit ID number written on the check. If the ID number is not written on the check when it is received, 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

If a student is eligible for tuition assistance, Southern requests that a Tuition Assistance form be filled out each academic school year to verify third party billing information.  While Southern does assist in the process of third party billing, it is the responsibility of the student and/or parents to ensure that tuition assistance is paid by their employer and/or outside agency.  If a student receives an award letter that does not include tuition assistance, but the student’s parent is eligible for tuition assistance, please notify the Student Finance Office as the award letter must be adjusted.

Collection Policies and Procedures

Current Account Collections Policies

Each semester, students must have their account balance, less any eligible financial aid, paid in full or be current on a monthly payment plan otherwise classes will be dropped on (the last day for a 100% refund).  Once classes are dropped, students can only have them reinstated if the account is paid in full, the payment plan is brought current, or a financial agreement is approved by the Financial Appeals Committee. Students who cannot reach a satisfactory financial agreement by the census date (last day to add a class), will need to stop attending classes and, if applicable, will be given one week to move out of campus housing.

Eligibility for returning students to register for future semesters will be based on having their account balance paid in full, less any eligible financial aid or current on their monthly payment plan.

Statements will be sent out no later than the 5th business day of each month. Payment is due on the 24th of the following month, unless enrolled in a monthly payment plan. If payment is not made by the end of that particular month, a $25 late fee will be charged.

Students enrolled on a monthly payment plan will receive a statement detailing any new charges, however the payment amount and payment plan due date will defer to the online payment plan. An automated reminder email will be sent two days before the payment due date and if necessary, a second email is sent once the payment is late. A $25 late fee will be charged fifteen days after the payment plan due date.

When a non-current student account is brought current, and has previously been reported to the credit bureau, it must continue to be reported until the account is paid in full and has had no activity for six months. Current students whose accounts are being reported to the credit bureau are not eligible to sign up for a monthly payment plan.

Non-Current Account Collections Policies

Students completing or terminating their studies with Southern Adventist University should pay their account balance in full prior to leaving. If a student is no longer enrolled and has not paid their account in full, the account will be designated as non-current. A finance charge of one percent per month (or the maximum allowed by law, if lower) will apply to all non-current accounts. Southern Adventist University reserves the right to withhold payment, for services rendered, to satisfy a non-current account.

Non-current accounts are reported to the credit bureau 60 days after the account is designated as non-current. Once an account is reported to the credit bureau, it must continue to be reported until the account is paid-in-full and has had no activity for six months or is transferred to a collection agency.

If non-current accounts are not paid in full or satisfactory payment arrangements have not been made within 120 days, the account will be transferred to a collection agency and/or attorney. If Southern Adventist University deems it necessary to employ a collection agency and/or attorney to collect defaulted accounts, all charges for these services, including collection fees and/or court costs, will be added to the unpaid account.

Bankruptcy Policies

Non-current accounts are considered educational debt per Southern Adventist University’s Financial Responsibility Agreement and constitute a student loan which is generally not dischargeable under the U.S. Bankruptcy code at 11 U.S.C. §523(a)(8). Recognizing that the discharge of a debt through bankruptcy proceedings prohibits a creditor from subsequently pursuing the collection of the debt, Southern Adventist 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 their student account and/or student loans.

Transcript and Diploma Requests

Under the U.S. Department of Education regulations, Southern Adventist University will withhold official academic transcripts, diplomas, certificates of completion, and other records if a student has an unpaid or past due student account, has Perkins, Nursing or Institutional loans that are past due or in default and/or has not completed exit counseling for ALL federal or Institutional loans. Exit counseling is required for each type of loan when a student graduates, leaves school, or drops below half-time enrollment.

For currently enrolled students, exceptions may be considered when the account is current except for the pending disbursement of financial aid. For non-enrolled students, official transcripts and/or diplomas will be released once the student account is paid in full, current on Perkins, Nursing, or Institutional loans, and all exit counseling’s have been completed.

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.