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Financial Assistance

 

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Current Costs of Enrollment
Students should refer to the Clarion University Student
Financial Services (SFS) website at: www.clarion.ed/finaid
for current costs of enrollment and detailed billing/payment
information.
Student Invoices
Student Invoices (bills) are not mailed to students. Students
are billed each term (i.e. summer, fall and spring) and payment
is expected by the first day of class each semester. Students can
view and print their electronic invoices (bills) via the Student
Service Center (https://myclarion.clarion.edu) approximately
30 days prior to the start of the semester. Winter and summer
session invoices are available approximately 10 days prior to
the start of these sessions.
Monthly Payment Plan
Clarion University offers an alternative to paying your bill
in full via our interest free monthly payment plan. There are
12-month and 10-month payment plan options available to
choose from at https://clarion.afford.com. A small enrollment
fee is the only cost and no credit approval is required.
Interested students may obtain additional information about
the payment plan on the SFS website: www.clarion.edu/finaid.
Financial Aid Refunds
Refunds from excess financial aid are not available to
students until after drop/add is over each semester. The
quickest way to gain access to any financial aid refunds you
may receive from excess financial aid disbursements is to sign
up for direct deposit online on the MyClarion portal. You can
get step-by-step directions on how to do this at: http://clarion.
edu/267166.pdf.
Financial Aid Application
Financial assistance is available to students in the form of
scholarships, grants, loans and student employment. Detailed
information and application forms may be secured from the
SFS Office. Clarion urges all students to complete an annual
Free Application for Federal Student Aid (FAFSA) prior to
May 1st each year via the federal website: www.fafsa.ed.gov.
Please indicate Clarion’s Title IV code (003318) on the FAFSA
form.

Academic Year
At Clarion University, an academic year is comprised of a
Fall and Spring semester, during which time a full-time student
is expected to complete 24 credits. The period of time school
is in session consists of 30 weeks of instruction.

 

 

Financial Aid Programs

Federal Pell Grant
Pell is the foundation of all aid packages. It is only available
to undergraduate students who have not yet earned their first
bachelors degree. Eligible students must demonstrate financial
need, as determined by the FAFSA application. Congress sets
annual minimum and maximum award amounts for Pell Grant
awards.
Federal TEACH Grant
Teacher Education Assistance for College and Higher
Education (TEACH) grants are based on program of study
and cumulative grade point average (3.25 is required) rather
than financial need. In order to qualify for this grant at Clarion,
students must be enrolled in a bilingual education, foreign
language, mathematics, reading specialist, science or special
education degree program and have reached their junior/senior
year grade level. Applicants must also provide documentation
that they have passed their PRAXIS/PAPAS exams.
Interested students should complete a TEACH Grant
Preliminary Application (available in the SFS Office). Once
approved for the grant, students must complete an annual
Agreement To Serve document in which they agree to teach
for at least four academic years within the first eight calendar
years of completing their TEACH eligible degree. NOTE:
TEACH recipients who fail to complete this service obligation
will have their TEACH grants convert to 6.8 percent Federal
Direct Unsubsidized Stafford Loans. Interest will be assessed
retroactive to the date the first TEACH grant disbursed to their
account.
Federal SEOG Grant
Federal Supplemental Educational Opportunity Grants
(SEOG) are need-based, campus based grants awarded by
the SFS Office to Pell eligible students. There is no separate
application for the SEOG grant program but, a current year
FAFSA form must be on file to determine financial need and
Pell grant eligibility. Awards range from $100-$500 per year
and are targeted to students who demonstrate significant
unmet need who also have very small or zero expected family
contributions.
PHEAA State Grant
The Pennsylvania state grant is need based, as determined
by the PHEAA’s methodology, in conjunction with the
federal FAFSA form. Eligible students must be residents of
Pennsylvania who have not yet received their first bachelor’s
degree. Students must have their FAFSA form submitted by
May 1st each year to be considered for this grant. First time
students must also complete a student status form at www.
pheaa.org. Award amounts vary based on funding levels.
Currently students who enroll for more than 50 percent of
their classes online in any given semester are not eligible for
the state PHEAA grant.
Bachelor degree seeking students are limited to no
more than four years of full time funding (eight semesters)
and associate degree students are limited to two years (four
semesters). PHEAA requires full time students to successfully
complete 24 credit hours each academic year in order to qualify
for the grant in future terms. Part time students are required to
pass at least six credits each semester in which they receive a
part-time grant.
Federal Perkins Loan Program
Perkins is a need-based, campus-based loan program
for students enrolled at least half-time who demonstrate
considerable unmet need. Students must have the current year
FAFSA form on file and must also complete a Perkins Loan
Application, available in the SFS Office each year after April
15th. Perkins loan amounts may vary, but $1000 per semester
is the maximum award for most Clarion students.
The five percent interest loan is non-interest bearing while
the student is enrolled at least half-time at the university.
Borrowers have a one-time-only nine month “grace” period,
during which no payment is required, after they leave Clarion.
The standard repayment period of 10 years requires borrowers
to make quarterly (four times per year) payments with interest
accruing at five percent.
Federal Direct Stafford Loan Program
Stafford Loans provide a maximum of $5,500 per academic
year for first-year students, $6,500 for second-year students
(30-59 credits), and $7,500 for third, fourth and fifth-year
students (60 credits and higher) not to exceed an aggregate
undergraduate level of borrowing of $31,000 in total. NOTE:
Students who are determined by their current year FAFSA
to be “independent”, are eligible to borrow additional
“unsubsidized” loan amounts: $4,000 for first and secondyear
students and $5,000 for third and fourth-year (60 credits
and higher). Independent students cannot exceed an aggregate
loan limit of $57,500 during their undergraduate enrollment
at Clarion.
Borrowers who demonstrate unmet financial need may
qualify for a portion of these annual loan amounts to be
subsidized (i.e. interest free) during their enrollment at Clarion.
However new borrowers who reach the 150 percent of the
published length of their educational program, lose their
eligibility for the interest subsidy benefits on all previously
disbursed subsidized loans that they received on or after
7/1/13.
Students must have a current year FAFSA on file, as well
as a Master Promissory Note (MPN) and Entrance Loan
Counseling. The one-time-only MPN and entrance counseling
are completed online at: www.studentloans.gov.
Stafford loan interest rates vary by year and type of loan
(subsidized vs. non-subsidized). However, there is an 8.25
percent maximum interest rate cap on all Direct Stafford Loan

programs. Please check the SFS website at www.clarion.edu/
finaid to determine the current interest rate for these loans.
Repayment for Direct Stafford Loans begins six months
after the student ceases at least half-time enrollment at the
university. During this six month “grace” period, no payment
is required. However, monthly repayments start at the end of
the one-time-only grace period and extend over a ten year
repayment period. Loan deferments are available to eligible
students--students should contact their federal loan servicer
to obtain additional information if they experience financial
hardships during their 10 year repayment period.
Federal Direct Parent Loan for Undergraduate
Students (PLUS)
PLUS loans are available to parents of dependent students
and are not based on financial need. Parents may choose to
borrow up to the student’s cost of education minus any other
financial aid awarded for the year. There are no aggregate loan
limits for this program. The parent who applies for this loan
must be the student’s natural or adoptive parent. A stepparent
can apply only if his/her information is provided on the current
year FAFSA.
Students must have a current year FAFSA on file and
parents must complete both a PLUS loan application and
a PLUS loan Master Promissory Note (MPN) on the www.
studentloans.gov website. Eligible students must be enrolled
at least half time to qualify for this loan. Eligible parents
must demonstrate no adverse credit history in order to qualify
for the loan. NOTE: dependent students’ whose parents are
denied access, based on credit history, to participate in the
Direct PLUS loan program, are eligible for the additional
unsubsidized loan amounts typically restricted to independent
students (see information above under Stafford Loans).
PLUS loan interest rates may vary but there is a nine
percent maximum cap. Please check the SFS website at www.
clarion.edu/finaid to determine the current interest rate for the
PLUS loan.
Parents may request an in-school deferment during the
PLUS application process. This permits them to waive the
requirement to begin repayment no later than 60 days after
the loan is fully disbursed to the student’s account. Parents
have 10 years in which to repay the loan once their deferment
expires and/or the loan is fully disbursed to the student.
Clarion University Revolving Loan
This loan fund may only be utilized for educational
purposes (books, etc.) and is available to Clarion students who
are enrolled on campus at least half time (six credits) and do
not currently have a financial hold on their account. On-line
students are not eligible to participate in this loan program.
Students who wish to borrow money from this fund to
purchase books at the University Book Store must complete a
Promissory Note at the Book store within the first two weeks
of the semester. Students who need funds for other educational
related costs should contact the Director of Student Financial
Services in B-16 Carrier Hall to request funds and/or complete
a Promissory Note. Loan amounts may vary, but are typically
restricted to no more than $350.
The loan is interest-free but must be repaid in its entirety no
later than 30 days from the date of issue. Financial aid funds
can be utilized to cover this outstanding balance. However,
if a borrower does not repay the loan within this time period,
the outstanding balance of any unpaid portion will be posted
to the student’s university account, along with a $25 late fee.
Also, a registration hold will be placed on the student’s account
until such time as the loan balance is paid in full.
Employment
Employment on a part-time basis is available to the
extent that funds are provided by the federal government
and the institution. The assignment of students to on or
off-campus positions is generally based on financial need.
Students interested in student employment should review

the university’s Career Services website at www.clarion.
edu/72668/ to identify employment opportunities.
All student employment programs require eligible students
to maintain a least half-time enrollment (six credits) during
the academic year. Participating students must be paid at least
the current federal minimum wage rate and receive their pay
on a bi-weekly basis.
Federal Work-Study Program
The university participates in the Federal Work-Study
Program which permits students with unmet financial
need to work while classes are in session. Eligible students
must have a current year FAFSA on file. Participating
students typically work no more than 10-15 hours
per week (as determined by the employer) during the
academic year.
State (Institutional) Employment Program
Students participating in this program do not need to
demonstrate unmet financial need nor is a current year
FAFSA required. Hours are typically limited to no more
than 10-15 hours per week during the academic year (as
determined by the employer).
Veterans Benefits
Clarion University is approved to offer training under
the various GI Bills. Students who are entitled under one of
these bills should contact the Veterans’ Counselor, in the SFS
Office, immediately after being accepted for admission to
the university in order to secure additional instruction. This
procedure is necessary to ensure students receive their monthly
benefits. Please contact the SFS Office, B-16 Carrier Hall, at
1-800-672-7171, opt#2 for additional information.

 


Conditions Which Accompany Financial Aid

In order to continue receiving financial aid following initial
enrollment at Clarion University of Pennsylvania, students
must meet certain conditions each year. One such condition
requires students to enroll at least part-time (six credits) for
every aid program but the federal Pell Grant program. Also,
all federal and state aid applicants must reapply for aid using
the FAFSA form each year.
Full time baccalaureate students may receive assistance
from most federal Title IV programs for up to six years of
attendance or 180 semester hours; full time associate degree
students are limited to three years of attendance or 90 semester
hours. State programs provide baccalaureate students with up
to four years of potential funding and associate degree students
with a maximum of two years of funding.
Federal and state regulations require students to maintain
“satisfactory academic progress”. In order to demonstrate
satisfactory academic progress, part-time and full-time
students must successfully complete at least 67 percent of
all cumulative attempted credits to date as measured on an
annual basis. This percentage is calculated and reviewed
each academic year at the end of the spring term, prior to the
student’s receipt of any additional federal financial aid monies
for the future academic year.
Undergraduate students, regardless of enrollment status,
who fail to achieve a cumulative QPA of at least a 2.00, are
normally placed on probation or suspension by the Office of
Academic Affairs. If a student is suspended by the Office of
Academic Affairs, they do not qualify for additional federal
aid until such time as they may be reinstated to the university.
NOTE: If the student appeals the suspension action and is
permitted to return to Clarion, he/she will receive additional
federal financial aid ONLY if he/she also has successfully
earned 67 percent of all cumulative attempted credits.
Full time PHEAA state grant recipients must successfully
complete at least 24 new semester hours each year to be eligible
for additional state grant monies for the upcoming award year.
Part-time PHEAA grant recipients must successfully complete
at least six credits during each semester in which they received
a grant to maintain future award year eligibility.
Federal Direct Stafford Loan recipients must successfully
complete a cumulative total of 30 credit hours to qualify for
“second year” loan limits. In order to qualify for “third/fourth
or fifth year” level loans, recipients must successfully earn a
cumulative total of 60 or more credit hours.

 

 

Appeal Procedure

Students denied financial aid for any reason may appeal the
denial as follows:
1. Write to the Student Financial Services Office (SFS),
Clarion University, 840 Wood Street, Clarion, PA
16214, noting the denial and stating the reasons why
financial aid should not be denied. NOTE: If the student
is appealing a lack of satisfactory academic progress
(SAP) determination, specific directions on the appeal
process are available at: www.clarion.edu/sapp.
2. SFS Office staff will review the denial in terms of
information provided by the student.
3. Following the review, the SFS Office staff will inform
the student of the status of the appeal (granted/declined).

 

 

Refund Policy

Students receiving financial assistance from Clarion
University are subject to the same refund policies as those
who are not aid recipients.
Federal Title IV Regulations dictate the return of federal
aid monies. If a recipient of Title IV funds (Pell Grant, SEOG
Grant,TEACH Grant, Direct Stafford Loan) withdraws from
school after beginning attendance, a portion of the Title IV
funds may have to be returned to the U.S. Department of
Education (USDE). Title IV funds are awarded to a student
under the assumption that the student will attend school for
the entire period for which the assistance is awarded. When
a student withdraws, the student may no longer be eligible
for the full amount of the Title IV funds that the student was
originally scheduled to receive.
If a student withdraws before completing 60 percent of the
semester, the percentage of Title IV funds earned is equal to
the percentage of the semester completed. The university is
required to return the unearned portion to USDE.

The percentage of payment period or term completed up to
the withdrawal date is determined by dividing the total number
of days enrolled up to the date of withdrawal, by the total days
in the “standard” payment period or term. (Any break of five
days or more is not counted as part of the days in the term.)
This percentage is also the percentage of earned aid.
Funds are returned to the appropriate federal program
based on the percentage of unearned aid using the following
formula: aid to be returned = (100 percent of the aid that could
be disbursed minus the percentage of earned aid) multiplied by
the total amount of aid that could have been disbursed during
the payment period of the term.
If a student earned less aid than was disbursed, the
institution would be required to return a portion of the funds
and the student would be required to return a portion of the
funds. Please note, when Title IV funds are returned, the
student borrower may owe a debit balance to the institution.
If a student earned more aid than was disbursed to him/
her, the institution would owe the student a post-withdrawal
disbursement which must be paid within 120 days of the
student’s withdrawal.
The institution must return the amount of the Title IV funds
for which it is responsible no later than 45 days after the date
of the determination of the date of the student’s withdrawal.
Refunds are allocated in the following order:
• Unsubsidized Direct Stafford Loans
• Subsidized Direct Stafford Loans
• Federal Perkins Loans
• Federal Direct PLUS Loans
• Federal Pell Grants
• Federal SEOG Grants
If a student withdraws after completing 60 percent of the
semester, the percentage of Title IV funds earned is 100.
NOTE: Students, who request a 100 percent withdrawal after the
term is completed, will be required to repay all refund amounts they
received from excess financial aid during the term in question. This
repayment must happen before the withdrawal request is finalized.
Students who withdraw after the semester begins or reduce
their credit hour load should contact the Student Financial
Services Office to determine the impact on their financial aid
awards.
NOTE: The university refund policy for tuition and fees is different
from the Federal Title IV regulations.