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GTU Financial Aid Office | Graduate Theological Union

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GTU Financial Aid Office | Graduate Theological Union Skip to main content Students Faculty & Staff Alumni Maps Directory LibraryTimetableContact Search form Search Staff Sign In Toggle navigationWell-nighOverview From the President Our History Quick Facts Administration GTU Logo Staff Directory Campus Maps Jobs at the GTU Accreditation & Effectiveness Policies & Compliance Info & Disclosures GTU and Title IX Campus Crime and Safety Report (Clery Act) Schools & Centers Our Schools and Centers Member SchoolsWonkCenters Affiliate Programs Certificate Programs Admissions & Aid Overview Request Program Information Plan a Visit GTU Near You Applying to GTU Financial Aid Academics Overview Doctoral Program MA Program Departments and Concentrations Our FacultyWonkCatalog 2018-19UndertowSchedule Certificate Programs Community Education The Flora Lamson Hewlett Library Borsch-Rast Prize and Lectureship Student Awards UC Berkeley Life at GTU Overview Berkeley and the Bay Area Student Groups & Committees Student Lounge New Students Current Students News & Events GTU News EventTimetableExhibitions Magazines Insight e-Newsletter Dean's Newsletter Lectures and Addresses Recent Faculty and Alumni Publications Video and Audio Content Giving Overview Donate Now Ways to Give Potterveld Fund Support CJS at 50 CIS 10th Anniversary Bajpai Scholarship Endowment Planned Giving Contact Us GTU Financial Aid Office The GTU Financial Aid Office administers financial aid for students at the GTU and its centers and affiliates. Our fundamental purpose is to squire students to the weightier of our worthiness with misogynist financial aid programs to meet the forfeit of their education and to provide quality service in an accurate, timely and equitable manner. The information on this site will help you understand your financial aid options and how to apply. Financial Aid Priority Deadlines LearnIncreasinglyFinancial Aid Programs and Eligibility LearnIncreasinglyApplying for Financial Aid LearnIncreasinglyFinancial Aid AnnouncementsNewUncontrivedLoan Interest Rates and Origination Fees Click here for important information well-nigh changes to uncontrived loan interest rates, origination fees, and other important information. ReadIncreasinglyFinancial AidImportant Dates and Events See a quick timetable of important upcoming financial aid dates and events ReadIncreasinglyFrequently Asked Questions What is financial aid? Financial aid is monetary assistance offered to eligible students to help meet their educational expenses. Aid can come to two categories.Souveniraid includes grants, scholarships and stipends that do not have to be paid back. Self-help aid is educational loans such as the Stafford and Perkins, which must be paid back, and/or higher work study, which is money earned from employment on campus or in non-profit organizations. Do I have to wield for financial aid every year? New using forms will be posted to this website in early October of each year and the FAFSA will be misogynist online at www.fafsa.ed.gov on October 1.  Member schools may have specific deadlines so pay tropical sustentation to your school or part-way of affiliation's institutional financail aid submission deadlines. I might not have my last year's tax return washed-up by the deadline. Can I use unscientific information? Yes, however, you will need to submit a reprinting of your tax return to the financial aid office as soon as possible. Please note that your financial aid may be modified if there is a large discrepancy. Can I mail forms to the financial aid office as they are ready? Or should I send them all together? We encourage students to send in forms as soon as they are completely filled out. Since we service the financial aid needs for several schools it is important to put your name and school name at the top of all documents. If I withdraw from the program, what happens to the federal aid I've received? To request a withdrawal from the school, a student must make a written request of withdrawal to the school's registrar. The stage of withdrawal will be the stage the registrar receives the written request. Section 484 (b) of the Higher Education Act specifies a formula that requires federal aid recipients to "earn" the aid they receive while enrolled in school at least halftime. The value of Title IV (federal) aid "earned" is unswayable by multiplying the total Title IV aid for which the student qualified by the percentage of time during the term that the student was enrolled. Students who withdraw prior to completing 60% of the semester in which they receive federal student aid may be required to return some of the aid they were awarded. The formula assumes that a student uses Title IV aid (e.g. Stafford or Perkins loans) to pay institutional charges i.e. tuition, fees, rent and unrepealable other institutional charges. Withdrawal prior to completing 60% of the semester for which aid was awarded requires that a pro rata portion of the aid must be returned to the federal government (lender). First, the school will return to the towardly federal fund source a proportional share of institutional charges that were paid. In general, the effect of this "return of Title IV aid" by the institution is to reduce an outstanding federal loan balance. Second, if the value returned by the school is not unbearable to repay the unshortened value not "earned" the student will be required to repay "unearned" Title IV aid to the lender. If a student is entitled to a refund from the school for amounts paid to imbricate institutional charges, any refund due will first be unromantic to the obligation to return "unearned" aid. Thus, portions of institutional refunds may be unromantic to an outstanding Stafford and/ or Perkins Loan. This policy is based on 34 CFR, Section 668.22 of Title IV of the Higher Education Act of 1965, as amended. How do I know if I am eligible for financial aid? Every year students who are U.S. citizens or permanent residents can wield for financial aid by completing the FreeUsingfor Federal Student Aid (FAFSA) form and the school's supplemental application. These forms help determine a student's need for aid by gingerly the applicant's income, assets, and family size to determine how much s/he can contribute towards his/her education. This numbering is referred to as the student contribution. Each year the financial aid office creates a standard student upkeep for all students. The upkeep takes into worth tuition, fees, books and living costs. Financial need is unswayable by subtracting the student contribution from the standard student budget. The difference from these two figures is the student need. I know I need to infringe a student loan. Where do I get a loan application? Once your financial aid eligibility has been unswayable you will receive an ribbon letter stating the value of loan funding you are eligible for as well as information on how to wield for student loans. I may not be worldly-wise to meet the financial aid deadline. Will this stupefy my aid? Yes, this may stupefy your aid. Some schools will not ribbon any grants to students who have not unromantic on time. Both the free using for federal student aid form AND the school supplemental form must be filed surpassing or postmarked by the deadline. In order to be pearly to all applicants in the distribution of our limited funds, students who wield on time will receive priority preference in the ribbon process of financial aid. The standard student upkeep does not imbricate some of my no-go expenses. Can my student upkeep be adjusted in order for me to increase my student loans? Yes. Students who have spare financing such as uninsured medical expenses, higher rents, or single parent childcare can appeal, with towardly documentation, to increase their student budget. I made too much money last year. Should I still wield for financial aid? Yes, you never know what you may qualify for if you don't apply. You may at least be considered eligible for the Stafford unsubsidized loan to help imbricate your educational expenses. GTU Federal SchoolLawmakingThe pursuit information is required in order to well-constructed section G of the FAFSA. Please list each school on the FAFSA to which you will apply. GTU MA students should list the federal school lawmaking for both the GTU and their school of affiliation. School       Federal SchoolLawmakingGraduate Theological Union   G01207 Financial AidRibbonChecklist To winnow a financial aid award, the pursuit steps must be completed: Thoughtfullyread the Financial Aid Rights and Responsibilities.  By urgently unsuspicious institutional and/or federal financial aid, financial aid applicants stipulate to comply with the obligations and conditions listed in the Financial Aid Rights and Responsibilities and all institutional policies and federal regulations. Log in to the GTU NetPartner Student Financial Aid Portal to view and accept your financial aid award.  Reduce andWinnoworRipeninstitutional and/or federal awards for the 2018-2019 wonk year.  Note to Federal student loan borrowers:  You may elect to reduce the value of the loan request for the wonk year but you must do so prior to unsuspicious the loan.  Please note: a full year ribbon must be divided, per federal regulation, into two substantially equal disbursements; fall and spring.  When determining your loan request value (keep in mind that the U.S. Department of Education charges a loan origination fee that changes every October 1), we recommend you use the loan borrowing calculator (see #6). If you visualize receiving an external ribbon or other financial support that is currently not included in your financial aid package, well-constructed the 2018-2019 Verification of External Aid Form to report this information to the Financial Aid Office.  External awards are educational awards not provided directly by the GTU that include but are not limited to private scholarships, grants, denomination support, Vocational Rehabilitation, AmeriCorps, or other resources such as financial assistance from any person other than the student. Federal student borrowers must well-constructed steps 5 through 6 in wing to steps 1 through 3.Well-constructeda Master Promissory Note (MPN) at https://studentloans.gov/ if you wish to infringe federal loans and have not previously borrowed with the William D. Ford FederalUncontrivedLoan program or your MPN has expired.  Select “Complete Loan Agreement (Master Promissory Note)” from the main page to well-constructed the MPN.  Select the option “MPN for Subsidized/Unsubsidized Loans”.  TheUncontrivedLoan MPN is a multi-year promissory note good for a period of ten (10) years.  Select “View My Documents” from the main page to verify your MPN expiration date.Well-constructedthe onlineArchwayCounseling session at https://studentloans.gov if you are borrowing for the first time in either the GTU Master of Arts or Doctoral programs.  This interactive counseling session produced by the FSA Division of the US Department of Education provides useful tips and tools to help you develop a upkeep for managing your educational expenses and helps the student understand their loan responsibilities.  Select “Complete Loan Counseling (Entrance, Financial Awareness, Exit)” from the main page.  Select the option for “Entrance Counseling – (Required)” Well-constructedand submit theUpkeepWorksheet and login to www.studentloans.gov to well-constructed the Loan Repayment Estimator.  Select the “Repayment Estimator” link under the “Tools and Calculators” section on the left navigation bar, then well-constructed the necessary fields and submit a reprinting of the “summary of your repayment information” by email to finaid@gtu.edu by selecting the email icon at the marrow of the page.  You may return the forms electronically or by hardcopy.  Loan funds may not be certified prior to the receipt of your worksheets, if required.  Read the Student LoanBorrowingPolicy for a unravelment of the Financial Aid Office's efforts to squire students in managing student loan debt. Understanding your Financial AidRibbonA student’s financial aid package is a hodgepodge of variegated types of aid from multiple sources and is intended to provide support in order to help fill the gap between one’s worthiness to pay and educational financing associated with the stratum program.  Financial Aid is awarded per wonk school year and in order to determine eligibility students must reapply each year. The information provided in this document is to help you make informed financial aid decisions. As you prepare for the upcoming wonk year, please thoughtfully read and review all contents of your financial aid ribbon package. Additionally, we encourage you visit our website to periodically squint out for any important financial aid announcements and deadlines and to research misogynist funding on our external scholarship database. If you have any questions, please contact us by email at finaid@gtu.edu, via phone at (510) 649-2469, or in-person on the 3rd floor of the 2465 LeConte Avenue building.ForfeitofUbietyare the components of an unscientific student upkeep for the 9-month, 2018-2019 wonk year associated with full-time enrollment at the GTU.  This is the understructure of your financial aid package and includes both uncontrived expenses billed by the institution (Board tried tuition and fees) and unscientific indirect expenses not billed by the school (books and supplies, housing and supplies allowances, solatium for books, supplies, transportation, health insurance, loan fees, and miscellaneous personal expenses) as dictated by federal regulations.  These figures are not intended to represent your tuition snout for the wonk year but is the total unscientific forfeit of peekaboo the GTU for one wonk year.  Your financial aid cannot exceed your total forfeit of attendance. EFC Expected Family Contribution or ‘Student Contribution’: The Graduate Theological Union uses a need wringer formula established by the U.S. Department of Education to determine an applicant’s worthiness to contribute to theForfeitof Attendance.  All financial aid applicants will find an EFC value listed on a financial aid ribbon letter.  For U.S. citizen and eligile non-citizen applicants, the EFC is the result of the information provided on the FAFSA.  The federal methodology numbering of the FAFSA takes into worth unrepealable income and windfall protection, and employment expense solatium based on household size and number in college.  For international applicants, the EFC is the result of the information provided on the GTU Financial AidUsingand supplemental information provided by the applicant.  In both cases, the EFC represents an evaluation of family size, members of your household in college, income, resources and resources. Need: Eligibility for need-based aid is unswayable by subtracting the EFC from theForfeitof Attendance. Demonstration of need does not automatically guarantee a need-based financial aid award, as aid is limited to the availability of funding. GTU Merit-based Scholarships: A limited form of tuition-restricted scholarship aid awarded to students based on strong wonk skills and leadership skills, or other specified criteria.  In most cases, the scholarship sponsor has a set of criteria in order to select the recipient(s) amongst all qualified applicants. Some merit scholarships moreover consider demonstrated financial need, but rewarding worthiness is the primary objective. GTU Need-based Scholarships: Each year, the Graduate Theological Union distributes tuition-restricted scholarship aid to students who demonstrate financial need.  The value is unswayable on the understructure of the number of eligible applicants and the availability of funds.  Scholarship aid is prioritized for students paying tuition in the first two years of full-time enrollment.  Need-based scholarship aid is not typically granted to students who are in the standing relations fee stage of the Doctoral and Master of Arts programs.  NOTE: MA students who have been tried for transfer of credits from flipside institution or member school that count toward the 48.00 unit Tuition/Residency requirement may stupefy need-based institutional aid eligibility. External Resources/Private Funding: External grants and scholarships are educational awards not provided directly by the GTU.  External funding resources include but are not limited to: scholarships, grants, denomination support, Vocational Rehabilitation, AmeriCorps, or other external sources of financial assistance such as payments made to the school from any person other than the student.  All outside resources, with the exception of Veteran’s Benefits and Vocational Rehabilitation, must be factored into the numbering of a student’s eligibility for institutional and federal financial aid.  Please be well-considered that an outside resource may stupefy a student’s financial aid eligibility and, if necessary, the ribbon package will be adjusted to worth for the spare assistance.  Failing to report an external funding source may result in having to repay the school or the federal government all or a portion of any financial aid received.  If the total outside resource listed on your financial aid ribbon package is incorrect, use the Verification of External Aid form or send an email from your GTU email worth to update the Financial Aid Office. Federal Work-Study (domestic and eligible non-citizens): Work Study gives students the opportunity to earn part of what they need to meet indirect educational expenses.  Each year, the GTU offers a limited number of federal work-study awards to new and standing students who have demonstrated financial need in vibrations with federal regulations.  An write-in expresses interest in work-study on question 31 of the FAFSA. (International students are not eligible for federal work study, which is a need-based form of Title IV federal student aid.)  Accepting FWS ribbon does not guarantee a job, you must interview, be offered a position, and be placed on payroll surpassing you can be paid.  Work-study employment for the 2018-19 year may uncork on or without July 1, 2018 in a work-study tried on or off-campus position.  Before starting employment, a federal work-study passport form must be filed with the Financial Aid Office and employment paperwork must be completed with Human Resources.  PLEASE NOTE: If you winnow a FWS ribbon and are not hired for a work-study position by October 31, 2018, the fall portion of your ribbon will be forfeited; however you can maintain your spring eligibility by sending an email to us at finaid@gtu.edu. Scholarship Opportunities:  The Financial Aid Office maintains a Scholarship Database to help support your wonk research and the forfeit of your education.  The scholarship database is an online search site of external funding opportunities for students in theological education.  Visit http://www.gtu.edu/admissions/financial-aid and squint for the “Guide to External Scholarships and Resources” link.  We strongly encourage all students to urgently pursue external/private sources of educational assistance during the undertow of their studies at the GTU. Federal Student Loan Repayment Calculator: Use the federal student Loan Repayment Estimator tool, to explore and view Standard, Graduated, or Extended, REPAYE, PAYE, IBR, or ICR repayment estimates based on your very federal student loan information.  The Repayment Estimator estimates your federal student loan payments under each repayment plan so you can make informed decisions.  NOTE: All TIV federal student loans borrowed default to the Standard Repayment plan unless you otherwise urgently segregate or wield for flipside repayment option. The National Student Loan Data System (NSLDS) is the U.S. Department of Education's (ED's) inside database for student aid. NSLDS receives data from schools, guaranty agencies, theUncontrivedLoan program, and other Department of ED programs to provide recipients of TIV aid wangle to a centralized, integrated view of all federal Title IV student loans and/or grant data borrowed/received that are tracked through their unshortened cycle; from aid clearance through closure.  For information on your loan and/or grant amounts, outstanding balances, loan statuses, and disbursements, you may login to www.nslds.ed.gov using your FSA ID. In-School Loan Deferment: The GTU Registrar’s Office reports enrollment through the National Student Clearinghouse (NSC) on a regularly scheduled understructure throughout the wonk year.  If you have prior federal student loans and wish to underpass the gap between the start of the term and Clearinghouse reporting, you may download an in-school deferment form at: http://gtu.edu/admissions/financial-aid.  The GTU Registrar is the “Certifying Official” and can well-constructed the school certification section of the form on the first day instruction. FEDERAL STUDENT LOANS Loans are a form of “self-help” financial aid that unlike scholarships, grants and work-study, must be repaid with interest.  Educational loans are provided by both the Federal Government and by Private Lenders.  Federal student loans, sometimes calledUncontrivedor Stafford loans whose authorized purpose by federal law is to help to pay for education-related expenses.  These mandated education-related expenses are included in the GTU’s published forfeit of ubiety (COA), which is often referred to as a student budget. All students borrowing a federal student loan for the first time in either the MA or PhD programs at the GTU must well-constructed onlineUncontrivedLoanArchwayCounseling, as outlined on the Financial AidRibbonChecklist. FederalUncontrivedLoanYearlyandVolumeLimits: The yearly maximum of $20,500 represents the total gross value of federal UnsubsidizedUncontrivedLoan a graduate student may infringe based on eligibility for an wonk year.  The lifetime volume student loan borrowing limit of $138,500, includes all combined FFEL andUncontrivedstudent loans borrowed at both the graduate and undergraduate student levels. FederalUncontrivedUnsubsidized Stafford Loan: Domestic students may request to infringe a federalUncontrivedUnsubsidized Loan, a non-need-based form of TIV federal student aid, to meet educational financing not supported with financial assistance, a student’s unscientific unmet cost.  Unsubsidized loans are often eligible for in-school deferment, which ways the student borrower can defer loan repayment until six months without the infringe graduates, takes an tried leave of absence, withdraws, or otherwise drops unelevated half-time enrollment, however, interest begins to stockpile when the loan disburses.  Upon repayment, any unpaid interest that has accrued is widow to the principle wastefulness of the loan.  Loans are disbursed in substantially equal amounts between the fall and spring semesters.  Information well-nigh the FederalUncontrivedLoan program may be found online at http://studentaid.ed.gov.  Students who have not previously borrowed a federal unsubsidized loan or whose FederalUncontrivedLoan Master Promissory Note (MPN) has expired must moreover well-constructed the MPN as listed on theRibbonChecklist.  Once completed, the MPN is a multi-year promissory note good for a period of ten years. Federal Graduate PLUS Loan: Domestic students may request to infringe a federal Graduate PLUS loan to meet educational financing not supported with financial assistance, the student’s unscientific unmet cost.  The borrower is required to pass a credit trammels and moreover meet the unstipulated eligibility requirements for federal financial aid.  For example, you must not be in default or owe a refund to any Title IV federal student aid program.  Interest rate and fee information may be found online at http://studentaid.ed.gov.  Students should review and follow the GTU Graduate PLUS Loan Policy in order to infringe a Grad PLUS Loan. SatisfactoryWonkProgress: The Higher Education Act of 1965 requires institutions of higher education to establish a reasonable SatisfactoryWonkProgress (SAP) policy to determine whether an otherwise eligible student is making SAP in their educational program.  SatisfactoryWonkProgress is required in order to maintain institutional and federal financial aid eligibility and is the standard used to monitor a student’s progress towards successful completion of coursework in the stratum program.  Please review the GTU’s SatisfactoryWonkProgress Policies (SAP) located in the GTU MA and Doctoral Student Handbooks. Financial Aid Appeals: In unrepealable situations, students may request for a reevaluation of their eligibility for financial assistance.  Examples of circumstances that will be considered include: involuntary loss of employment, upper medical financing not covered by insurance, or increased educational expenses whilom the GTU’s standard forfeit of attendance.  Please be prepared to provide well-judged and well-constructed supporting documentation to substantiate your request (i.e. copies of W2’s, tax forms, hospital bills, etc.)  Note: discretionary and non-educational personal expenses will not be considered in the evaluation of your eligibility for financial aid.  Financial aid is limited to the use towards payment of required tuition and fees, books and supplies, and for maintenance financing related to your education and ubiety at the Graduate Theological Union. Return of Title IV Funds: The Higher Education Amendments of 1998 require that the institution summate prorated student aid eligibility for students who withdraw or take a leave of sparsity surpassing completing increasingly than sixty percent of any given wonk term.  Aid awarded to the student and not earned at the time of the constructive stage of withdrawal will be returned to the TIV Federal Student Aid Programs.  The TIV programs include FederalUncontrivedUnsubsidized and Graduate PLUS Loans.  The value of unearned federal financial aid is calculated on a percentage understructure by measuring the total number of days the student completed versus the total number of days in the payment period.  The payment period is specified as the semester from which the student withdraws or takes a leave of absence.  The GTU must return any unearned aid they wonted in payment of charges and must notify the student of their responsibility for returning any unearned aid received as a credit refund without all charges had been paid.  If a return creates a wastefulness due on the student’s account, the student will be responsible for full payment.  The student will not be unliable to reenter, register or receive wonk transcripts until the outstanding wastefulness has been paid in full. Exit Counseling for Federal Loan Recipients: Federal student loan borrowers who graduate, take a leave of absence, fall unelevated half-time enrollment (less than 6.00 units) or withdraw must well-constructed loan exit counseling within thirty (30) days of separation from the school as mandated by federal regulation.  Students will be contacted by email to request completion of online exit counseling at www.studentloans.gov and/or announcements for on-campus exit counseling sessions.  Students can log into the National Student Loan Data System using their FSA ID to retrieve their federal student loan history at www.nslds.ed.gov or www.studentloans.gov.  Students may request increasingly detailed information well-nigh loan repayment options, by visiting the US Department of Education's Federal Student Aid website at: www.studentaid.ed.gov or www.studentloans.gov. Financial Aid Rights and Responsibilities Students who receive financial assistance are like-minded that they have read, understood and will comply with the obligations and conditions listed unelevated and all workable institutional policies and federal regulations. You stipulate to use financial aid self-service functionality to winnow and/or ripen your aid electronically. You may contact the Financial Aid Office regarding volitional methods of communication; and you can rescind your permission at any time. You unclose that all financial aid matters will be communicated by email to your student email account. You understand that an offer of financial aid is for the 2018-2019 nine-month wonk year or four-month wonk term and that offers of financial aid are contingent on the availability of funds. Furthermore, you understand you must re-apply and reestablish eligibility for financial aid each ribbon year. Your ribbon is unswayable based on full-time enrollment for the nine-month wonk year or four-month wonk term.  If you enroll for fewer units than unscientific or waif classes which bring you unelevated full-time enrollment, your ribbon will be adjusted therefrom or withdrawn completely.  Funding is not guaranteed for increased enrollment. You must provide well-judged information. Intentionally misreporting information used to determine financial aid eligibility is a violation of federal law and could be a criminal offense, which may be subject to penalties that include fines, imprisonment, or both under the US CriminalLawmakingand 20 U.S.C. 1097. An ribbon will be made in vibrations with all current laws, regulations and appropriations of the federal government and the institution in effect at the time of the numbering and the availability of funds.  The Financial Aid Office reserves the right to modify, reduce or withdraw an ribbon in the event of changes in your financial status and/or eligibility for aid, if institutional policies or federal laws are amended.  Additionally, financial aid may be cancelled if the aid offered was based on any unintended error. You understand that you must report any spare financial assistance missing on your ribbon notice, such as scholarships, vocational rehabilitation funds, AmeriCorps, fellowships and employer tuition assistance. Spareassistance received may result in an adjustment, receipt or required repayment of an ribbon if spare aid exceeds your demonstrated financial need or forfeit of attendance. You will inform the Financial Aid Office of any changes in your financial circumstances, favorable as well as unfavorable, that occur within the ribbon period.  You may request a recalculation of your financial need if there is a substantial transpiration in your financial circumstances.  However, this may not result in an increase in financial aid. If you are awarded a merit-based scholarship and fall unelevated the scholarship criteria, you may be responsible for repayment of the scholarship. If required, you must provide verification documents requested within two weeks of the time of the request or your ribbon will be subject to delay. An ribbon will be adjusted or canceled if aid eligibility changes as a result of the process. You cannot receive financial aid from two schools at the same time for the same semester. If a Federal Work Study (FWS) ribbon is included in your aid package, surpassing whence employment, a FWSPassportform must be filed with the Financial Aid Office and employment documents must be completed with Human Resources.  Work-study employment is contingent upon availability and is not guaranteed. Recipients of federal student loans must well-constructed the online archway counseling requirement surpassing receiving any funds.  Online counseling may be completed at www.studentloans.gov. You understand that once financial aid funds are misogynist for payment, financial aid will be credited to your student worth to pay for your mandatory tuition/fees and any other outstanding obligations related to your educational expenses for the 2018-19 ribbon year.  If your financial aid disbursement does not imbricate the wastefulness due, you are responsible for payment. Recalculations of your financial aid may rationalization a wastefulness due and you are responsible for reviewing your student worth statements to determine if you owe a repayment of a federalUncontrivedLoan or other type of financial aid. You unclose that a condition to receive financial aid requires that you maintain SatisfactoryWonkProgress (SAP) standards equal to policies established by the institution that are compliant with federal regulations.Equalto federal regulations, if you withdraw or stop peekaboo all classes prior to completing 60% of any semester for which you have received a federalUncontrivedLoan, any credit refund that you have received may be returned to the US Department of Education and your federal loan servicer(s) will be notified of your less than half-time student enrollment status.  Federal regulations require zippy participation in courses in order to be eligible for federal funds.  This may rationalization you to owe a balance. In cases of withdrawal or leave of sparsity prior to the end of a semester, awards may be adjusted in vibrations with the refund policy and you may be required to repay all or a portion of any federal funds disbursed based on the Return to Title IV (R2T4) numbering as required by federal law. Recipients of federal student loans must well-constructed mandatory exit counseling prior to separation either by graduation, less than half-time enrollment, leave of absence, withdrawal or termination. StudentUpkeepThe pursuit upkeep is an unscientific stereotype and reasonable forfeit of completing the 2018-2019 wonk year at the Graduate Theological Union. This upkeep serves as the foundation for determining student’s financial need as well as the value of qualified institutional grant/scholarship and federal student aid that can be offered, and is provided to squire GTU students in estimating their numismatic requirements for the nine (9) month wonk year only.  As these financing are only estimates, individual budgets may vary considerably. We recommend that each student create a personal upkeep using very or projected financing to estimate one’s upkeep and financial need most accurately. While expenses for family members are not factored into the forfeit of ubiety (COA), we suggest subtracting a minimum of $7,000 for a dependent spouse and $4,000 for a dependent child to one’s personal upkeep for the nine-month wonk year. For the purpose of TIV federal student aid, COA figures are established through student surveys and other research and mandated expenses include: tuition and fees, books and supplies, room and board, transportation, health insurance, federal student loan fees, and personal expenses related to school attendance. Financingincurred prior to the start of the wonk year, consumer debt payments, car payments, charitable gifts, legal fees, life insurance, etc., are not considered mandated expenses. The GTU Financial Aid Office may retread the forfeit of ubiety for students on a case-by-case understructure to write individual circumstances as unliable by GTU Policy and the U.S. Department of Education. For information on upkeep adjustments, refer to “Financial AidUpkeepAdjustment Policy” under the Financial Aid Policies section of http://www.gtu.edu/admissions/financial-aid. Program per credit 4-month semester 9-month wonk year Ph.D. and Th.D. in tuition $1,385 $16,620 $33,240 Ph.D. and Th.D. standing relations fee $4,775 $9,550 M.A. in tuition $755 $9,060 $18,120 M.A. standing relations fee $4,530 $9,060        MandatedNon-Tuition Expenses per month 4-month semester 9-month wonk year Books and Supplies $500 $1,000 Housing $1,200 $4,800 $10,800Supplies$330 $1,320 $2,970 Transportation $250 $1,000 $2,250 Health/Medical $1,500 $3,000 Miscellaneous $140 $560 $1,260 Loan Fee $110 $220 Total unscientific non-tuition expenses $1,920 $9,790 $21,500         Total 2018-2019ForfeitofUbiety(sum of tuition and  non-tuition expenses) 4-month semester 9-month wonk year Ph.D. and Th.D. in tuition $46,010 $54,740 Ph.D. and Th.D. standing relations fee $14,565 $31,050 M.A. in tuition $18,850 $39,620 M.A. standing relations fee $14,320 $30,560     Student LoanBorrowingPolicy In an effort to educate borrowers in making informed financial decisions while in school and to help students realize their educational goals with the minimum necessary value of educational debt, the GTU Financial Aid Office has unexplored a Student Loan Borrowing Policy. Listed unelevated are the requirements and options for the Federal student loan borrower. All federal student loan borrowers must well-constructedArchwayCounseling once in the undertow of a program and prior to the first disbursement of loan funds.  To well-constructed online Entrance Counseling go to https://studentloans.gov and sign in and select "Complete Loan Counseling," if you have not previously completed archway counseling for the school with which your latest financial aid ribbon is associated. Prior to graduating, withdrawing or dropping unelevated half-time enrollment, all federal student loan borrowers must well-constructed Exit Counseling. On campus sessions are spoken during the Spring semester.  To well-constructed online federal Stafford student loan Exit Counseling visit www.studentloans.gov. The Financial Aid Office requires the completion of the Budget Worksheet.  Worksheets are due prior to the disbursement of the loan funds.  The purpose theUpkeepWorksheet is to ensure you are choosing a loan value that meets and does not exceed your financial need or your projected worthiness to successfully manage repayment.  It moreover serves two spare purposes: it is used to estimate the yearly forfeit of living solatium included in the annual Cost of Attendance, and it is used as a reference if/when a student appeals for a upkeep increase.  TheUpkeepand Loan Worksheets are due prior to the first disbursement of loan funds. The Financial Aid Office encourages borrowers to shepherd a Financial Aid Workshop or to complete Financial Aid Awareness Counseling at least once in the undertow of a student’s program. A workshop may focus on a specific topic such as scholarship research, budgeting, or loan repayment strategies.  Scheduled financial aid workshops are spoken to all borrowers through the Financial Aid Important Dates and Events, school e-Newsletters and by email. All borrowers are invited to seek Financial Aid/Loan Counseling for personal assistance in understanding misogynist financial aid and loan repayment options. To make an visit with a member of the Financial Aid staff, a student may contact the office by phone or email.  Please visit the Federal Student Aid website at: www.studentloans.gov for wangle to the Loan Repayment Estimator to get an idea of what your monthly loan payment may squint like, depending on the repayment plan you choose.  When it comes time to repay your loans, we suggest a plan that allows you to pay off your loans the fastest.  Remember, the longer you take to pay off your loans, the smaller your monthly payment, but the increasingly you will pay when in total dollars. Voter Registration Schools in most states and the District of Columbia must make a good faith effort to distribute voter registration forms to their students. This voter registration requirement was included in the National Voter Registration Act of 1993. In essence, if a Title IV (Federal Student Aid) participating school is located in a state that requires voter registration prior to referendum day and/or does not indulge the worthiness to register at the time of voting, then the school must make a good faith effort to distribute voter registration forms to its federal student aid eligible students. To meet this requirement, federal student aid recipients peekaboo the member schools of the GTU will receive an yearly reminder via email of the pursuit ways to well-constructed voter registration:  To register to vote in the State of California using the online application, visit http://www.sos.ca.gov/elections/elections_vr.htm. Voter registration forms are misogynist at the Registrar of Voters Office located in the Alameda County Courthouse at 1225 Fallon Street, Room G-1, Oakland, California 94612. Forms are moreover misogynist at all offices of the Department of Motor Vehicles, all municipality clerks offices, public libraries and post offices. Individuals may moreover undeniability the Registrar of Voters at 510-267-8683 or the Secretary of State at 1-800-345-VOTE in order for a registration form to be provided by mail. To successfully register to vote, it is important that the voter registration using be filled out completely and be postmarked or hand-delivered to the county elections office at least 15 days surpassing the election. Helpful LinksUpkeepCalculatorLoan Repayment EstimatorFinAid.org CalculatorsFederal Student Aid Official SiteNational Student Loan Data System (NSLDS.ed.gov)StudentLoans.gov529HigherSavings PlansTax Year 2017 Publication 970 Tax Benefits for EducationSavings forHigher529 Savings PlansTax Year 2017 U.S. Tax Guide for AliensCareerOneStop Scholarship FinderSelective Service System Financial Aid Policies File NameSize 2018-2019 Verification Policy1.09 KB Graduate PLUS Loan Policy193.84 KB GTU MA Program SatisfactoryWonkProgress (SAP) Policy732.38 KB GTU Doctoral Program SatisfactoryWonkProgress (SAP) Policy800.82 KB Financial AidUpkeepAdjustment Policy840.99 KB Financial CircumstancesRequestPolicy883.8 KB Return of Title IV Aid Policy657.14 KB Financial Aid Forms File NameSize 2018-2019 Financial Aid Application1.11 KB 2018-2019 Verification Worksheet264.52 KB Verification of Citizenship Status844.34 KB Verification of Selective Service Status814.8 KB 2018-2019 Verification of External Awards175.66 KB 2018-2019UpkeepWorksheet778.17 KB 2018-2019 Federal Graduate PLUS Loan Request839.22 KB 2018-2019UpkeepAdjustment Request1.17 KB 2018-2019 Financial Circumstances Appeal727.37 KB Physician's Certification and Borrowers Acknowledgement of Obligation756.56 KB Borrower's Acknowledgement of Obligation731.45 KB Overlapping Loan Clearance768.28 KB Direct/FFELP Loan In-School Deferment Form666.31 KB Graduate Fellowship Deferment Request673.87 KB External Scholarships In wing to the financial aid that the GTU and member schools can make directly misogynist to its students, the GTU seeks to squire students in accessing outside scholarships and other resources that may be misogynist to them. Our Guide to External Scholarships and Resources lists a wide range of private grants, scholarship, fellowships, and other funding opportunities that may be misogynist to students of the GTU and its member schools. Contact Our Office Phone: (510) 649-2469E-mail:  finaid@gtu.eduFax: (510) 649-1730In person: 2465 LeConte Ave., 3rd Floor MailingWriteGraduate Theological Union Financial Aid Office 2400 Ridge Road Berkeley, CA 94709 Overview Request Program Information Plan a Visit GTU Near You Applying to GTU Financial AidPriority Deadlines Programs and Eligibility How toWieldAnnouncements Important Dates and Events Tuition and Fees Contacts Denise MoritaDirector of Financial Aid(510) 649-2459dmorita@gtu.edu2465 LeConte Avenue3rd Floor Michelle SimonAssistant Director of Financial Aid(510) 649-2463msimon@gtu.edu2465 LeConte Avenue3rd Floor Virtual Tour Facebook Feed Discover the Future of Religious ScholarshipAbout the GTU Give ASouvenirto the GTUYour souvenir - no matter what size – supports innovative research and teaching, and helps equip tomorrow’s leaders for a world of diverse religions and cultures. 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An institution of higher learning unlike any other, the Graduate Theological Union in Berkeley brings together scholars of the world’s diverse religions and wisdom traditions to whop new knowledge, share inspiration, and interreact on solutions. 2400 Ridge Road Berkeley, California 94709info@gtu.edu +1.510.649.2400 Admissions +1.800.826.4488 GTU Library: Reference sedentary (questions) +1.510.649.2501 Circulation sedentary (renewals) +1.510.649.2500library@gtu.edu or yack from http://gtu.edu/library facebook twitter linkedin youtube googleplus AboutOverview From the President Our History Quick Facts Administration GTU Logo Staff Directory Campus Maps Jobs at the GTU Accreditation & Effectiveness Policies & Compliance Info & Disclosures GTU and Title IX Campus Crime and Safety Report (Clery Act) Schools & CentersOur Schools and Centers Member SchoolsWonkCenters Affiliate Programs Certificate Programs Admissions & AidOverview Request Program Information Plan a Visit GTU Near You Applying to GTU Financial Aid AcademicsOverview Doctoral Program MA Program Departments and Concentrations Our FacultyWonkCatalog 2018-19UndertowSchedule Certificate Programs Community Education The Flora Lamson Hewlett Library Borsch-Rast Prize and Lectureship Student Awards UC Berkeley Life at GTUOverview Berkeley and the Bay Area Student Groups & Committees Student Lounge New Students Current Students News & EventsGTU News EventTimetableExhibitions Magazines Insight e-Newsletter Dean's Newsletter Lectures and Addresses Recent Faculty and Alumni Publications Video and Audio Content GivingOverview Donate Now Ways to Give Potterveld Fund Support CJS at 50 CIS 10th Anniversary Bajpai Scholarship Endowment Planned Giving Contact Us © 2018 Graduate Theological Union. 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