Section Four: Financial Information

Financial Information

Ashford University is committed to helping students understand and manage the financial aspects of obtaining their education. For questions regarding tuition, fees, and payment options for Clinton Campus programs, students should contact the Clinton Campus Business Office. For cost of attendance information for Clinton Campus programs, please visit www.ashford.edu/admissions/campus_financial_services.htm. For questions regarding tuition, fees, and payment options for online programs, students should contact their personal Student Advisor. For cost of attendance information for online programs, please visit www.ashford.edu/admissions/online_financial_services.htm.

Tuition and Fees 2014-2015

Tuition rates and fees may change at any time without prior notice; however, students will not be charged retroactively for tuition and fee increases for coursework already completed or for coursework the student was in the process of completing.

Clinton Campus Programs Tuition & Fees

(2014-2015 Academic Year)

Tuition and Fees:


Full-time per semester (12 to 18 credits) $8,250.00
Part-time (11 credits or less) or in excess of 18 credits (per credit) $480.00
Per credit for audit, senior citizens
(age 60 and over) and high school students (not enrolled in the State of Iowa's Post-Secondary Enrollment Option)
$230.00


Room and Board Fees:


Room and Board (19 meals per week)
per semester (non-refundable)1
$3,150.00
Room reservation
(refundable until June 1)
$100.00


Other Fees:


Books (estimated amount per semester, actual amount may vary) $550.00
Technology fee per semester
(non-refundable)
$210.00
Technology fee for part-time (per credit)
(non-refundable)
$15.00
Activity fee per semester
(non-refundable)
$80.00
Activity fee per credit for part-time (non-refundable) $6.00
Insufficient funds fee $30.00
Graduation fee $150.00
Replacement/Duplicate Diploma $45.00
Replacement ID/Access Card $40.00
Replacement mailbox key $10.00
Additional parking permit $10.00
Official transcript $10.00
CLEP testing fee per exam Cost of exam plus $13.00
Independent study fee (per credit) $150.00
College of Education Transcript Analysis Fee, for non-degree seeking students who are not alumni, pursuing endorsements only in the State of Iowa $100.00
College of Education
credential file request
Between $3.50 and $30.00

 1 Housing contracts are based on a two (2) semester term which equals one academic year

Indirect costs which are not billed directly by the University may be found at www.ashford.edu/admissions/campus_tuition_fees.htm.

Early Termination Fee for New/Incoming Residents

A contract cancelation fee of $1,000.00 will be assessed for terminating a housing contract once the student has taken occupancy. A $100.00 housing prepayment/room reservation is refundable until June 1 for fall semester and November 1 for spring semester unless forfeited due to early cancelation of the housing contract.

Early Termination Fee for Returning Residents

Loss of the $100.00 prepayment and a contract cancelation fee of $500.00 will be assessed for canceling a housing contract before June 1 and $1,000.00 will be assessed for canceling a housing contract after June 1 for the upcoming term(s) still on contract.

Off Campus Housing Request Fee for Returning Residents

Returning residents who submit an Off Campus Housing Request after July 1 and are approved will be assessed a $100.00 fee.

Online Undergraduate Programs Tuition & Fees

The following is a list of tuition and fees applicable to Associate’s and Bachelor’s degree programs and/or undergraduate courses offered through the online modality. Tuition rates and fees may change at any time without prior notice; however, students will not be charged retroactively for tuition and fee increases for coursework already completed or for coursework the student was in the process of completing.

Tuition per credit:  

100- to 400-level Courses $420.00

 

Fees:

Technology Fee (per course)* $50.00
Books, course digital materials** and instructional materials
(average per course)
$100.00
Prior learning assessment: sponsored professional training (per credit evaluated)*** $30.00
Prior learning assessment: experiential learning essay assessment (per evaluation)*** $125.00
Late payment fee $30.00
Insufficient funds fee $30.00
Graduation fee $150.00
Replacement/Duplicate Diploma $45.00
Official transcript $10.00
Education records – Per page $0.50
California Student Tuition Recovery Fund^
$0.50

*The Technology Fee covers access to University systems such as the online classroom, the Student Portal, and other academic resources. The Technology Fee is fully refundable if a student does not attend beyond Week 1 of a course (Week 3 if covered under the Ashford Promise Refund Schedule). After this time, the fee becomes non-refundable. Students are charged the Technology Fee for repeated coursework.

**The Course Digital Materials (CDM) fee is $85.00 and is fully refundable if a student does not attend beyond Week 1 of a course (Week 3 if covered under the Ashford Promise Refund Schedule). After this time, the fee becomes non-refundable. Students are not charged the CDM fee for repeated coursework if previously charged.

***Payment for evaluation does not guarantee that credit will be awarded.

^California law mandates the collection of a Student Tuition Recovery Fund (STRF) fee in the amount of $0.50 per $1,000 of tuition rounded to the nearest thousand to be paid to the state's tuition recovery fund in the event of school closure. The fee is charged to California residents only.

Indirect costs which are not billed directly by the University may be found at www.ashford.edu/admissions/online_tuition_fees.htm.

Online Graduate Programs Tuition & Fees

The following is a list of tuition and fees applicable to Master's degree programs and/or graduate courses offered through the online modality. Tuition rates and fees may change at any time without prior notice; however, students will not be charged retroactively for tuition and fee increases for coursework already completed or for coursework the student was in the process of completing.

Tuition per credit: 

Master of Arts in Education $548.00
Master of Arts in
Teaching and Learning with Technology
$548.00
Master of Arts in
Health Care Administration
$612.00
Master of Arts in
Organizational Management
$612.00
Master of Business Administration $612.00
Master of Public Administration $612.00

 

Fees:


Technology Fee (per course)* $50.00
Books, course digital materials** and instructional materials (average per course) $140.00
Late payment fee $30.00
Insufficient funds fee $30.00
Graduation fee $150.00
Replacement/Duplicate Diploma $45.00
Official transcript $10.00
Education records – Per page $0.50
California Student Tuition Recovery Fund^
$0.50

 *The Technology Fee covers access to University systems such as the online classroom, the Student Portal, and other academic resources. The Technology Fee is fully refundable if a student does not attend beyond Week 1 of a course (Week 3 if covered under the Ashford Promise Refund Schedule). After this time, the fee becomes non-refundable. Students are charged the Technology Fee for repeated coursework.

**The Course Digital Materials (CDM) fee is $85.00 and is fully refundable if a student does not attend beyond Week 1 of a course (Week 3 if covered under the Ashford Promise Refund Schedule). After this time, the fee becomes non-refundable. Students are not charged the CDM fee for repeated coursework if previously charged.

^California law mandates the collection of a Student Tuition Recovery Fund (STRF) fee in the amount of $0.50 per $1,000 of tuition rounded to the nearest thousand to be paid to the state's tuition recovery fund in the event of school closure. The fee is charged to California residents only.


Indirect costs which are not billed directly by the University may be found at www.ashford.edu/admissions/online_tuition_fees.htm.

Schedule of Charges

The following list provides an estimated schedule of charges by online degree program for total charges for a period of attendance, and for an entire educational program.

A period of attendance is defined as four courses or 12 credits for undergraduate students and as three courses or 9 credits for graduate students. Please refer to the Tuition and Fees lists in the Financial Information section for specific dollar amounts used to calculated these charges. Students who receive the Ashford University Military Grant should refer to their specific enrollment agreement tuition and fee lists for this information. 

Program
Name

Period
of Attendance

Entire
Educational Program

AA in Early Childhood Education (67 credits)

$5,640

$31,590

AA in Military Studies (64 credits)

$5,640

$30,180

All Online Bachelor’s Programs
(120 credits)

$5,640

$56,550

MA in Education
(39 credits*)

$5,502

$23,992

MA in Health Care Administration
(36 credits)

$6,078

$24,462

MA in Organizational Management
(33 credits)

$6,078

$22,436

MA in Teaching and Learning with Technology
 (30 credits)

$5,502

$18,490

Master of Business Administration
 (42 credits)

$6,078

$28,514

Master of Public Administration
 (36 credits)

 

$6,078

$24,462

*The Master of Arts in Education program is based off the 15 credit Curriculum and Instruction specialization.

Sales Tax Disclaimer

Ashford University is required to charge sales tax for tuition and/or fees in certain jurisdictions based on state reporting obligations and the taxability of services and digital goods in accordance with local laws on the date of charge. For sales tax purposes, electronically-delivered services and digital goods are considered to be received at the student’s physical address. For specific sales tax charges, students should consult with their Student Advisor (online) or Financial Aid Office (Clinton Campus).

Tennessee Tuition and Fee Guarantee

TN Residents Only

Applicants to an online program who reside in the state of Tennessee (as evidenced by the address on file at Ashford University) will qualify for the Tennessee Tuition and Fee Guarantee under the conditions set forth in this section. The Tennessee Tuition and Fee Guarantee is a commitment that the net cost of tuition and fees will not increase for a 12 month period, beginning on the date the student begins credit-bearing coursework. This benefit is applicable only to students who maintain a physical residence in the state of Tennessee. Upon expiration of the 12 month period, tuition and fee amounts for any such students are subject to adjustment to reflect the rates in effect at that time, and will also be subject to any future adjustments.

Students who relocate to another state are no longer eligible for the Tennessee Tuition and Fee Guarantee, and tuition and fees will be adjusted to reflect the rates in effect at that time, and will also be subject to any future adjustments, starting on the date their address is changed in University records. No retroactive tuition and fee adjustments for past classes are applied at the time of any address update. No retroactive tuition and fee adjustments for current classes are applied at the time of any address update, unless the address change is updated in University records within the first week of a student’s current course.

Students who apply to a new degree program are eligible for the Tennessee Tuition and Fee Guarantee for a new 12 month period beginning on the date the student begins credit-bearing coursework. Students who re-enter the University after being out of attendance for 180 or more days are also eligible for the Tennessee Tuition and Fee Guarantee for a new 12 month period beginning on the date the student begins credit-bearing coursework.

Students who change their program of study are eligible for the Tennessee Tuition and Fee Guarantee for a new 12 month period beginning on the date the student begins credit-bearing coursework only if completed courses from the current payment period do not apply to the new program of study. Students who change programs and do not meet the above condition do not qualify for a new or renewed Tennessee Tuition and Fee Guarantee period.

California Student Tuition Recovery Fund

CA Residents Only

The State of California created the Student Tuition Recovery Fund (STRF) to relieve or mitigate economic losses suffered by students in educational programs who are California residents, or are enrolled in residency programs attending certain schools regulated by the Bureau for Private Postsecondary and Vocational Education.

You may be eligible for STRF if you are a California resident or are enrolled in a residency program, prepaid tuition, paid the STRF assessment, and suffered an economic loss as a result of any of the following:

  1. The school closed before the course of instruction was completed.
  2. The school’s failure to pay refunds or charges on behalf of a student to a third party for license fees or any other purpose, or to provide equipment or materials for which a charge was collected within 180 days before the closure of the school.
  3. The school’s failure to pay or reimburse loan proceeds under a federally guaranteed student loan program as required by law or to pay or reimburse proceeds received by the school prior to closure in excess of tuition and other costs.
  4. There was a material failure to comply with the Act or this Division within 30 days before the school closed or, if the material failure began earlier than 30 days prior to closure, the period determined by the Bureau.
  5. An inability after diligent efforts to prosecute, prove, and collect on a judgment against the institution for a violation of the Act.

However, no claim can be paid to any student without a social security number or a taxpayer identification number.

You must pay the state-imposed assessment for the Student Tuition Recovery Fund (STRF) if all of the following applies to you:

  • You are a student in an educational program, who is a California resident, or are enrolled in a residency program, and prepay all or part of your tuition and fees either by cash, guaranteed student loans, or personal loans, and
  • Your total charges are not paid by any third-party payer such as an employer, government program or other payer unless you have a separate agreement to repay the third party.

You are not eligible for protection from the STRF and you are not required to pay the STRF assessment, if either of the following applies:

  • You are not a California resident, or are not enrolled in a residency program, or
  • Your total charges are paid by a third party, such as an employer, government program or other payer, and you have no separate agreement to repay the third party.

Terms of Billing and Payment

Tuition and fees are billed on a financial aid payment period basis, regardless of payment option. For online undergraduate programs, a payment period is a minimum of 20 weeks of instructional time and 12 successfully earned credits. This is typically four courses taken sequentially during the payment period. For online graduate programs, a payment period is a minimum of 18 weeks of instructional time and 9 successfully earned credits. This is typically three courses taken sequentially during the paymen period. Clinton Campus payment periods align with enrollment terms. Tuition and fees that are associated with future courses are subject to change.

Tuition is due according to the terms and conditions of a student’s selected Payment Option. See the section on Payment Options for more information.

Ashford University reserves the right to cancel the registration of any student whose account is delinquent. Diplomas or certificates will be withheld, graduation participation will be delayed, and transcript of credits will not be forwarded to another institution or potential employer until all accounts with Ashford University are paid in full.

Summer Online Course Payment Policy (Clinton Campus Students Only)

Payment must be paid in accordance with a student’s selected finance option for a summer online course. Clinton Campus students should work with their assigned Finance Planner to determine viable payment options for courses being completed in a non-term format over the summer.

Tuition Benefit Eligibility Requirements

If a University tuition benefit, grant, or scholarship is offered to assist with the program-related fees and charges below, additional eligibility requirements must be submitted and approvals obtained prior to application of these benefits. Benefits will be awarded at the time of disclosing eligibility and submitting any required documents upon request; retroactive adjustments will not be applied to previous coursework or fees.

Excess Credit Account Adjustment

Online undergraduate students who need 0.01-1.00 or 1.01-2.00 credits (1 or 2 credits) in order to meet the total number of credits required to graduate may be issued an excess credit account adjustment. An excess credit account adjustment may be issued to the paying party in the amount of tuition paid in excess of what is required after satisfying the total credit requirement. Partial credit account adjustments will not be issued.

Bankruptcy

A student who has filed for bankruptcy or had a loan discharged for disability may need to give additional documentation before receiving aid. A student interested in using financial aid as a payment option upon re-entry or upon reapplication to the University may be required to do so as a secondary payment option and deferment of tuition and fee payment will not apply. The student may be required to pay any tuition and/or fee balance in full on an as-incurred basis.

Payment Plans

Ashford University offers Payment Plan options in select circumstances to online students with outstanding balances. Students are allowed customizable term lengths up to 36 months, as long as the monthly payment is a minimum of $50. Students are always encouraged to pay any outstanding balances due in full, and only utilize a Payment Plan if needed.

All students must select their payment option type, manual-pay or auto-pay, at the time of payment plan approval. Students must make an initial payment after Payment Plan approval regardless of Payment Plan length or payment type. If the student elects to go on auto-pay, he/she is required to pay one (1) monthly payment amount initially (first payment). However, if the student decides to leverage a manual pay option, he/she must pay 10% of total balance owed or the equivalent of three (3) monthly payments as the initial (first) payment, whichever is greater. Payment Plans should never extend more than six months beyond a student’s estimated graduation date.

If students have difficulty making payments or have questions, they should contact an Accounts Receivable Specialist by dialing (866) 974-5700 and following the appropriate prompts for Finance and payment arrangements.

Clinton Campus students in traditional programs who are in need of a more flexible payment schedule may use the subsequent option (Level-Pay Plan). Arrangements to participate in this plan must be made with the Clinton Campus Business Office at the beginning of each term.

Payment Options

Ashford University offers a variety of options for covering the costs of a student’s education. During the online application process, students select their primary payment option and any secondary payment option(s), if required. Funds are applied in the order received by the University, regardless of designation of primary or secondary.

Students utilizing the Cash Plan, Tuition Reimbursement, and/or Military Veterans’ Benefit Plan may choose to have their tuition and/or fees automatically charged to their credit card (recurring payment).

Ashford University will also accept debit cards that are endorsed by Visa or MasterCard. Students using endorsed debit cards should ensure they have sufficient funds in their account if they choose to use a debit card for automatic payments to avoid overdraft fees through their bank or late payment and/or a credit card decline fees owed to the University.

Endorsed debit cards may also have daily limits that cannot be exceeded. It is the student’s responsibility to understand these limits and ensure any payments on endorsed debit cards will not exceed these limits.

There may be differences in fraud protection features of debit cards and credit cards, particularly because debit card purchases are withdrawn directly from a checking or savings account. Students should be aware of these differences prior to submitting this information to any other entity.

Cash Plan

For online students who have selected the Cash Plan as a primary payment option, 100% of tuition and any applicable fees are to be paid on or before each course start date. Students may choose to have their tuition and/or fees automatically charged to their credit card when Cash Plan is their payment option. Automatic credit card payments are charged on the start date of each course; otherwise, full payment must be received on or before the start date of each course.

When selected as a secondary payment option, any amount not covered by the primary payment option can be applied in any acceptable form of payment.

For Clinton Campus students, the Cash Plan requires that 100% of tuition, room, board and any applicable fees be paid upon receipt of the bill for the term. Students may choose to have all charges paid by credit or debit card.

Students are advised that credit cards are accepted as a convenient method of payment. Credit cards bearing high interest rates should not be used as a long-term financing method for educational costs. Ashford University encourages all students to utilize the free financial aid information that is available in the Financial Aid Office.

For online students, any delay in payment may result in administrative withdrawal of the student from his or her current course during Week One. The student will then be scheduled for a future course and is not permitted to re-enroll in the course from which he or she was removed due to non-payment.

Level-Pay Plan (Clinton Campus Programs ONLY)

The Level-Pay Plan offers students an opportunity to spread the cost of tuition, fees, books, room, and board (whichever are applicable) over the term. Additional details about this program can be obtained from the Clinton Campus Business Office. 

Tuition Reimbursement Plan

The Tuition Reimbursement Plan is available as a primary payment option if students qualify for their employer’s tuition reimbursement program and if their employer reimburses at least 50% of their annual tuition.

Under this plan, tuition payments, excluding fees, are deferred a maximum of 90 days from the course/term start date, regardless of when the student receives disbursement/reimbursement from his or her employer.

Tuition must be paid in full 90 days after the start date of a course/term; otherwise, the student’s credit card will be automatically charged. Applicable fees are due on or before the start date of each course/term.  If fees are not paid in full on or before the start date of a course/term, the student’s credit card will be automatically charged. A declined card will automatically result in a late fee. Students who have two declined credit card payments will be required to comply with the terms of the Cash Plan and will no longer qualify for the Tuition Reimbursement Plan. The conditions of this plan are not dependent upon the receipt of a course grade or completion of the course.

To qualify, prior to the start of the course/term, students must submit a signed Tuition Reimbursement Certification and Authorization form that includes a valid credit card number with authorization to charge the card if the tuition is not paid within the 90-day time frame.

Documentation required for the Tuition Reimbursement Plan includes the following:

  • Student Finance Agreement; and
  • Tuition Reimbursement Certification and Authorization.

Direct Bill Plan (Third-Party Direct Billing)

Ashford University offers Third-Party Direct Billing as a primary payment option to students sponsored by a Third Party Agency with a Direct Bill Memorandum of Understanding on file. The Third-Party Agency must offer a tuition benefit of at least $2,500 annually for a student’s tuition to be eligible for this option. The Third Party Agency is expected to remit payment to Ashford University within 90 days of the course start date. Any amounts not paid by the Third Party Agency are the responsibility of the student. Vouchers, purchase orders, and other approved authorized mediums should be sent to directbill@ashford.edu or faxed to (877) 279-1203 at least five days prior to the start of each course or payment period. Failure to supply vouchers, purchase orders, and other approved mediums in a timely fashion may result in the loss of Third-Party Direct Billing benefits.

Documentation required for Direct Bill Plan:

  • Direct Bill Memorandum of Understanding
  • Student Finance Agreement indicating Direct Bill;
  • Direct Bill Certification and Authorization; and
  • Voucher, purchase order, or other authorized medium approved by Ashford University.

Leader Development Grant

Ashford University offers the Leader Development Grant (LDG) to students selected and sponsored by a participating Third Party Agency. The LDG program is funded by both the Third Party Agency and Ashford University. This grant is intended to help students avoid educational loan debt by funding a recipient’s direct education-related costs. Direct education-related costs include tuition for all eligible courses (limited to two repeated courses), Technology Fee (per course), books, course digital materials, instructional materials, graduation fee, and Prior Learning Assessment (PLA) fees. If both electronic and hard copy course materials are available for the same course, the LDG program will only fund the electronic course materials, and if a student chooses to receive hard copy course materials, the student will be responsible to pay the difference in price and shipping costs. The Leader Development Grant is only available as a primary payment option.

Students who choose to participate in the LDG program are not able to receive funding from the federal student financial aid programs (such as Pell Grant and Direct Loans); this is a condition of participation in the LDG program. The choice to participate in the LDG program is optional and any eligible federal student financial aid is always available to students who choose that payment option in lieu of participation in the LDG program. Students will become ineligible for the LDG program if they choose to receive funds from any federal student financial aid program for the same enrollment period.

Students will become ineligible for the LDG if they receive more than two (2) unsuccessful grades (defined as an “F,” “WF,” “W,” or for General Education Competency courses, below a “C-”) during their program of study or if they violate University policies as outlined in the Ashford University Academic Catalog. Students must also abide by all applicable Undergraduate Program Satisfactory Academic Progress (SAP) Standards or Graduate Program SAP Standards. Students are always expected to understand, meet, and abide by any Third Party Agency requirements in order to continue to receive Leader Development Grant benefits. Ashford University or the Third Party Agency may remove a student from the Leader Development Grant at any time.

Students may appeal the loss of their LDG eligibility to the Leader Development Grant Review Committee, which consists of at least an Ashford representative and a representative from the Third Party Agency. Concurrent enrollment, defined as the enrollment in more than one class in every five (undergraduate) or six (graduate) week module, is prohibited for LDG recipients, unless pre-approved on a case-by-case basis by the Leader Development Grant Review Committee.

All required Leader Development Grant forms (detailed below) must be completed, submitted, and approved prior to application for each new participating student. The Leader Development Grant funds up to ten (10) undergraduate or eight (8) graduate courses per 12-month period; however, Ashford University does not guarantee that ability to take this maximum amount of coursework in any given 12-month period. The LDG must be renewed every twelve (12) months in order for the student to continue to receive LDG benefits. Continuing students must send all required forms to their assigned Student Advisor for verification at least seven (7) days prior to the start of classes in the applicable 12 month period.

The University provides a matching grant in conjunction with the funding provided by the Third Party Agency. The Third Party Agency must supply a qualified tuition benefit for their students to be eligible for the University LDG match. Failure of the Third Party Agency or student to supply any required payment may result in loss of LDG benefits for the grant recipient.

Documentation required for the Leader Development Grant:

     • Leader Development Grant Agreement (executed between the University and Third Party Agency);
     • Leader Development Grant Disclosure and Waiver;
     • Student Leader Development Grant Acknowledgement;
     • Student Finance Agreement indicating Leader Development Grant
     • Authorization to Release Student Records;
     • Leader Development Grant Student Payment Authorization (if applicable); and
     • Net Price Calculator Results, Shopping Sheet, and Data Summary.

Military Veteran’s Benefits Plan

Ashford University is approved by the Department of Veterans Affairs. The Military VA Plan requires that all tuition be paid on or before each course start date, with the exception of the first 60 days in the student’s first academic year. Under this plan, tuition payments are deferred for the first 60 days of continuous enrollment in a degree program, regardless of when the student receives disbursement from the Department of Veterans Affairs. Applicable fees are due on or before the start date of each course/term. To qualify, students must submit a signed Student Finance Agreement, prior to the start of the course/term.

Degree seeking students may choose to place a credit card on file for automatic recurring payment processing. Non-Degree Seeking students will be required to place a credit card on file when selecting this option with authorization to charge the card if tuition is not paid within a sixty (60) day timeframe Questions should be directed to the Veterans Affairs Coordinator at VACertification@Ashford.edu.

VA Classification of Ashford University Online Students: Students enrolled in an online undergraduate program are classified as three-quarter time. The only way to receive the full-time payment rate is to double up on courses after successful completion of two courses with Ashford University. Students enrolled in an online graduate program are classified as full time.

GI Bill Application Procedure: The student must obtain the appropriate form(s) from www.gibill.va.gov under Apply for Benefits. Forms can be submitted online directly to VA. The signature page from the appropriate form(s) will need to be mailed directly to VA at

VA Regional Office
PO Box 33860
St. Louis, MO 63166-6830

Students must double check that their name and Social Security Number appear on the bottom of the signature page. Ashford University requires a signed copy of the appropriate completed form(s), as follows, for the student’s file:

  • 22-1990 (Application for VA Education Benefits) for veteran students who are using their GI Bill for the first time.
  • 22-1995 (Change of Program/Training) for veteran students who have used their GI Bill benefits before.
  • Chapter 35 Dependent/Spouse benefit forms are available for each branch of service on the website subsequently listed.
  • DD-214 (Release from Duty). Ashford University requires a copy of this form for the student’s file if available. This form does not hold up certification.

The University's VA Certifying Official will periodically review and certify the student for courses throughout the year on the VA-ONCE website.

Procedures While Enrolled:

  • After the student receives an award letter from the VA, he or she is required to begin monthly self-verification of enrollment by the 30th of each month. This is accomplished by using the Web Automated Verification of Enrollment (WAVE) or by Interactive Voice Response (IVR).
               WAVE = www.gibill.va.gov/resources/verify_attendance*
               IVR = (877) 823-2378
  •           *Students utilizing Chapter 33 - Post 9/11 GI Bill are exempt from verifying through the WAVE process.
  • Students should allow 10 to 12 weeks after completion of all paperwork to receive the first payment. Certification will begin with the student’s first date of eligible attendance in an Ashford University degree program. The VA Office will process any subsequent payment monthly.
  • Payment of VA benefits may be mailed directly to the student or sent directly to the school, depending on the chapter of benefits the student is utilizing. Students are responsible for paying Ashford University tuition and fees at the start of each course, unless there is alternative, approved financial aid. Payment by Direct Deposit/Electronic Funds Transfer is strongly encouraged. Payments are sent directly to student savings or checking account. To establish or change direct deposit information, students should click on the ‘Direct Deposit Enrollment Form’ link after they have logged into WAVE. Changes and enrollments are usually processed the next business day.
  • The University’s VA Certifying Official will report course drops and withdrawals to the VA on a weekly basis. Course drops may affect eligibility for VA benefits.

Military Tuition Assistance Plan

Ashford University is approved for active duty Military Tuition Assistance. Students are expected to submit Tuition Assistance (TA) vouchers to the Tuition Assistance Administrator prior to the start of each course. Any tuition and applicable fees not covered by the TA program must be paid prior to the start date of each course. TA forms, vouchers, and questions should be directed to MilitaryTA@Ashford.edu. Failure to have a voucher on file with Ashford prior to the corresponding course may result in being administratively removed from the scheduled course.

 

Documentation required for the Military TA Plan:

  • Military Tuition Assistance forms (branch specific); and
  • Student Finance Agreement.

Online Military Tuition Assistance Procedure:

  • Military students must first complete the TA Authorization form;
  • After command approval has been received, the student digitally signs the TA Authorization form and then sends it by fax or email to

Ashford University
Military Tuition Assistance
MilitaryTA@Ashford.edu
Fax: (858) 408-3511

  • The TA Authorization form must be received before the fee waiver or course cost adjustments will be applied. TA vouchers must be received prior to the start of each course.
  • Once the TA Authorization form has been received by the Ashford University Military Tuition Assistance Office, an invoice will be sent to the military. A copy of this invoice may be mailed or faxed to the student upon request.
  • After command approval has been received, the student digitally signs the TA Authorization form and then sends it by fax or email to

Clinton Campus Military Tuition Assistance Procedure:

  • Military students must first complete the TA Authorization form;
  • The TA Authorization form must be received before the fee waiver or course cost adjustments will be applied. TA vouchers must be received prior to the first class date of each term.
  • Once the TA Authorization form has been received by the Clinton Campus Financial Aid Office, an invoice will be sent to the military. A copy of this invoice may be mailed or faxed to the student upon request.
  • After command approval has been received, the student digitally signs the TA Authorization form. The form should be faxed to (563) 242-8684 or delivered to the Clinton Campus Financial Aid Office.

Ashford University Military Grant

Online Undergraduate Students: Students enrolled in an online undergraduate program may be eligible for the Ashford University Military Grant. Eligible students include Active Duty, National Guard, Reservists, spouses of Active Duty, National Guard, and Reservists, students using VA Education Benefits, Department of Defense employees, Veterans Affairs employees, and Civilian employees of the United States Coast Guard. Veterans of the US Armed Forces must be certified for VA benefits through the US Department of Veterans Affairs and by Ashford University. Grants are only applied to an eligible student’s account upon receipt of an approved VA certification. All other eligible students must provide the University with an approved TA Authorization form or appropriate verification of military service.

Grants are applicable to courses for which tuition is in excess of $250 per credit hour. For courses with tuition of $420 per credit hour, the grant is $170 per credit hour. In addition, this grant also covers the Sales Tax, Technology Fees, and course materials required for an eligible student's program of study, including standard shipping costs where applicable, when purchased through Ashford University’s bookstore or textbook partner. The cost of required electronic materials is also covered by the grant. When course materials are available in both electronic format and hard copy, students may opt to purchase a hard copy textbook and are charged the difference in cost plus shipping. Military students who reside in a forward location may opt for a hard copy textbook at no additional charge.

Students who exceed 30 days of consecutive non-attendance and are not on an approved Academic Leave will be asked to recertify eligibility for the Ashford University Military Grant upon return by providing appropriate verification of military service.

Online Graduate Students: Students enrolled in an online graduate program may be eligible for the Ashford University Military Grant. Eligible students include Active Duty, National Guard, Reservists, spouses of Active Duty, National Guard, and Reservists, students using VA Education Benefits, Department of Defense employees, Veterans Affairs employees, and Civilian employees of the United States Coast Guard. Veterans of the US Armed Forces must be certified for VA benefits through the US Department of Veterans Affairs and by Ashford University. Grants are only applied to an eligible student’s account upon receipt of an approved VA certification. All other eligible students must provide the University with an approved TA Authorization form or appropriate verification of military service.

The grant covers the Sales Tax, Technology Fees, and course materials, including standard shipping costs where applicable, required for an eligible student’s program of study and purchased through Ashford University’s bookstore or textbook partner. The cost of required electronic materials is also covered by the grant. When course materials are available in both electronic format and hard copy, students may opt to purchase a hard copy textbook and are charged the difference in cost plus shipping. Military students who reside in a forward location may opt for a hard copy textbook at no additional charge. Grants are only applied to an eligible student’s account upon receipt of an approved VA certification. All other eligible students must provide the University with an approved TA Authorization form or appropriate verification of military service.

Students who exceed 30 days of consecutive non-attendance and are not on an approved Academic Leave will be asked to recertify eligibility for the Ashford University Military Grant upon return by providing appropriate verification of military service.

Clinton Campus Students: Students enrolled in a Clinton Campus program may be eligible for the Ashford University Military Grant. Eligible students include Active Duty, National Guard, Reservists, spouses of Active Duty, National Guard, and Reservists, students using VA Education Benefits, Department of Defense employees, Veterans Affairs employees, and Civilian employees of the United States Coast Guard. Veterans of the US Armed Forces must be certified for VA benefits through the US Department of Veterans Affairs and by Ashford University. Grants are only applied to an eligible student’s account upon receipt of an approved VA certification. All other eligible students must provide the University with an approved TA Authorization form or appropriate verification of military service. Students should contact the Clinton Campus Financial Aid office for additional information.

Military Grant Grandfathering

Students who previously received the Ashford University Military Grant, and who subsequently enroll in another degree program after graduating, are permitted to continue to receive the grant without recertifying eligibility, unless they have been out of attendance more than 30 days.

Ashford University Alumni Tuition Grant

Students who graduate from an Ashford University or University of the Rockies degree program and enroll in an online Ashford University or University of the Rockies degree program qualify for an Alumni Tuition Grant.

Students who qualify for the Alumni Tuition Grant must successfully complete four attempted courses after matriculation into an undergraduate degree program or three attempted courses after matriculation into a graduate degree program. The tuition grant will then be applied to the student’s account in the amount of tuition charged for the fifth or fourth attempted course to apply to the cost of the course, depending on the student’s degree program.

Alumni who paid a one-time Technology Services Fee (between $250 and $1,290) will also have each course’s Technology Fee waived.

Outside Scholarships

Students are encouraged to search for outside funding for their education. Any student who receives additional funds from any source, such as an outside scholarship, before or after receiving financial aid from the University, must report the source and the value of the award to the Financial Aid Office. Additional funds could require an adjustment or cancellation to a portion of the existing financial aid award to avoid an “overaward” as defined by federal and state regulations. Scholarship searches are available at:

Ashford University is not responsible for the content of these websites and does not endorse any particular outside scholarship website. Please beware of sites that ask for payment for scholarship information and/or applications and review all information carefully before applying.

Private Loan

Before considering a private education loan, students are recommended to first apply for available federal student financial aid (Title IV) to ensure any eligible federal grant aid is utilized. If a student wishes to apply for a private education loan, Ashford University will work with any lender participating in a private student loan program from which a student wishes to borrow. Please contact the Financial Aid Office for additional information about all available education funding options.

Financial Aid Plan

The University will provide assistance to all students and families who are eligible for federal student financial aid (Title IV). The University provides a convenient online application process to complete the necessary financial aid documents listed below. All students seeking federal, financial aid must be admitted to an eligible degree program to determine financial aid eligibility. To complete the process for the Financial Aid Plan, students must provide the following:

  • The Institutional Financial Aid Application;
  • The PIN registration at www.pin.ed.gov;
  • The Free Application for Federal Student Aid (FAFSA)*;
  • Entrance Loan Counseling, if applicable;
  • A Direct Loan Master Promissory Note (MPN), if applicable; and
  • All related paperwork and documentation requested by the University.

*Note – New online students enrolled March 1 through June 30 are highly encouraged to complete the current and future FAFSA. Completing both FAFSAs in this timeframe will allow the Financial Aid Office to determine all eligible aid.

Federal Student Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. To be eligible for most types of federal financial aid, a student must:

  • Demonstrate financial need (for most programs);
  • Have a high school diploma or a General Education Development (GED) certificate;
  • Be a US citizen or eligible noncitizen;
  • Have a valid Social Security Number;
  • Register with the Selective Service (if required);
  • Be enrolled as a regular student in an eligible degree program;
  • Maintain satisfactory academic progress once in school;
  • Certify that no federal student loan is in a default status and no money is owed on a federal student grant; and
  • Certify that use of federal student aid is only for educational purposes.

Financial Aid Student’s Rights

As a financial aid applicant or recipient, a student has the right to:

  • Be advised on the different financial aid programs available and how to apply for them;
  • Be advised on deadline dates for submitting applications for each financial aid program available;
  • Be advised on how the student’s financial need was determined;
  • Be advised on how financial aid will be disbursed;
  • Be advised on each of the various programs in the student’s packaging;
  • Be advised on the impacts of withdrawal, such as refunds or repayments of financial aid;
  • Be advised on the requirements for maintaining financial aid eligibility and satisfactory academic progress;
  • Have all application information treated with the highest confidentiality; and
  • Be advised on the names of the organizations that accredit or license the University. 

Financial Aid Student’s Responsibilities

As a financial aid applicant or recipient, a student has the following responsibilities:

  • To apply for financial aid by appropriate deadlines if he or she wishes to be considered for financial assistance;
  • To submit all required forms accurately and completely;
  • To provide documentation, verification of income, corrections and/or any information to complete his or her financial aid file;
  • To notify the Financial Aid Office when additional aid is received from outside sources;
  • To accept responsibility for all forms and agreements he or she signs;
  • To use financial aid only for his or her actual educational expenses; and
  • To complete exit counseling online or to schedule an exit interview with the Financial Aid Office within 30 days of graduating or withdrawing from the University for any reason.

Cost of Attendance

Cost of Attendance (COA) budgets are estimated costs for completing a full academic year and provides students and parents with reasonable projected educational costs associated with full-time attendance at Ashford University. The University uses these costs to develop budgets for awarding federal financial aid. Costs will vary according to the individual student profile; for example, whether the student is an undergraduate or graduate student, living at home with parents, a campus resident or living on his or her own.

The COA includes direct and indirect expenses:

  • Direct expenses for online students include tuition, fees, books, and supplies. Indirect expenses include room and board, books and supplies, as well as allowance for personal expenses.
  • For Clinton Campus resident students, direct expenses include tuition, fees, room and board, books and supplies. Also included in the budget are allowances for personal and travel expenses.
  • For all other students enrolled in the Clinton Campus programs, direct expenses include tuition, fees, books, and supplies. Indirect expenses may include off-campus room and board, travel, and allowance for personal expenses.

Federal Direct Annual Loan Limits

 

Federal Direct Annual Loan Limits:

Dependent Undergraduate Students Independent Undergraduate Students* Graduate Students

First Year Students
On-Campus Programs: 0–30 credits
Online Programs: 0–24 credits

Total: $5,500

Max Subsidized: $3,500
Total: $9,500

Max Subsidized: $3,500
Total Unsubsidized: $20,500

Second Year Students
On-Campus Programs: 31–60 credits
Online Programs: 25–48 credits

Total: $6,500

Max Subsidized: $4,500
Total: $10,500 Max Subsidized: $4,500 Total Unsubsidized: $20,500

Third Year Students and Beyond
(each year)

On-Campus Programs: 61 credits or greater
Online Programs: 49 credits or greater

Total: $7,500

Max Subsidized: $5,500
Total: $12,500

Max Subsidized: $5,500
Total Unsubsidized: $20,500

Students who successfully complete the weeks and credits required in an academic year will be eligible to be packaged for the next grade level for registered coursework following completion of the academic year. Transfer students who are awarded credits equal to or greater than the number required for completion of an academic year are eligible to be packaged for the next grade level, where applicable (e.g., students transferring in 24 credits or greater to an online program are eligible to be packaged as a second year student).

Federal Direct Aggregate Loan Limits*

 

Dependent
Undergraduate Students
Independent
Undergraduate Students**
Graduate Students

Maximum
Total Debt

$31,000
Max Subsidized: $23,000
$57,500
Max Subsidized: $23,000
$138,500
Max Subsidized: $65,500
(includes undergraduate borrowing)

*A borrower who has reached his or her aggregate borrowing limit may not receive additional loans until he or she has reduced his or her aggregate loan amount.
**A dependent student whose parent is denied a PLUS loan is allowed to borrow additional Unsubsidized Direct amounts equal to the amount that independent borrowers are able to borrow.

How to Apply for Financial Aid

Complete an application for admission to the University. A student must be accepted by the University before a financial aid award can be determined. Complete the Free Application for Federal Student Aid (FAFSA), and list the University (School Code: 001881) as a college to receive information. The University recommends students enrolled in Clinton Campus programs apply each year by March 1 for the upcoming academic year. Students enrolled in online programs must apply 90 days prior to the start of each academic year. Complete an Institutional Application for financial aid, a Master Promissory Note (if applicable), and Entrance Loan Counseling (if applicable). The University may also require additional documents to verify aid eligibility (for additional information, please see the Verification for Federal Student Aid Eligibility in this section of the Catalog). It is highly recommended that the student or parent apply for the federal Personal Identification Number (PIN) through the US Department of Education at www.pin.ed.gov. The PIN serves as the student’s electronic signature and can be used to electronically apply for federal student aid and access Federal Student Aid records online. The PIN should be kept in a safe location and should not be shared with anyone.

Free Application for Federal Student Aid (FAFSA)

The FAFSA is available online at www.fafsa.gov. The completed form should be signed electronically with the applicant’s PIN so that the student’s financial need can be evaluated.

Verification for Federal Student Aid Eligibility

 The federal government requires colleges and universities to verify, or confirm, the data reported by students and their parent(s) on the FAFSA. The verification process ensures that eligible students receive all the financial aid to which they are entitled and prevents ineligible students from receiving financial aid to which they are not entitled. A subset of financial aid applications are randomly selected by the US Department of Education for verification. If a student is selected for verification, there is an asterisk next to the Expected Family Contribution (EFC) on the Student Aid Report (SAR). The SAR may be viewed online at www.fafsa.gov under Step 3, “View and Print Your Student Aid Report.”

Applications selected for verification are placed into Verification Tracking Groups (V1 – V5). The SAR indicates with a tracking flag for which group the student has been selected. Items to be verified are based on the specific Verification Tracking Group. If a student is selected for verification, the Financial Aid Office notifies the student of required documentation.

The student (and parent(s) of dependent students), are required to provide appropriate and legible supporting documents to the Financial Aid Office. Depending on the category selected, one or more of the following documents may be requested: 

  1. Verification Worksheet;
  2. IRS Tax Return Transcript or use of IRS Data Retrieval Process;
  3. Documentation of Supplemental Nutrition Assistance Program (SNAP), if applicable;
  4. Documentation of child support paid, if applicable;
  5. Documentation of other untaxed income, if applicable;
  6. Verification of high school completion (or equivalent), if applicable; and,
  7. Identity and Statement of Educational Purpose, if applicable.

Please note that additional documents may be requested at the Financial Aid Office’s discretion.

Participation in the verification process is not optional. Students with verification categories of V1 – V3, and V6, who do not submit the required documentation within 30 days of request may experience financial aid processing delays, and may be administratively withdrawn until all supporting verification documents have been received by the University’s Financial Aid Office. New online students who are selected for the customized verification categories of V4 or V5 must submit the required Identity and Statement of Educational Purpose documentation prior to progressing beyond conditional admission status or they will be administratively withdrawn prior to attending week four of their first course. Any other required documentation must be completed within 30 days of request. Continuing online students who are selected for the customized verification categories of V4 or V5 must submit the Identity and Statement of Educational Purpose within 14 days of notification and any other requested documentation within 30 days.

If clarification is needed on a verification document or the Student Aid Report, an advisor from the Financial Aid Office will contact the student for additional information. Possible corrections may be required on the SAR. If a student’s financial aid award in any way changes as a result of verification, a new award letter is generated and will be available via the portal to view or print. Verification Worksheets can be obtained from the Financial Aid Office or on the Student Portal. Financial aid will not be processed or disbursed if an applicant fails to provide the appropriate and legible verification documentation.

Fraudulent Activity

If Ashford University obtains any credible information indicating that an applicant for federal student financial assistance may have knowingly engaged in fraud or other criminal misconduct in connection with his or her application for federal student financial assistance, that individual will be referred to the Office of Inspector General (OIG) of the US Department of Education. Examples of this type of misconduct may include, but are not limited to:

        (i) False claims of independent student status;
        (ii) False claims of citizenship;
        (iii) Use of false identities;
        (iv) Forgery of signatures or certifications; and
        (v) False statements of income.

Code of Conduct and Federal Student Aid Eligibility

In addition to being referred to the OIG, students suspected and being investigated for Academic Dishonesty and/or knowingly furnishing false, falsified or forged information to the University will be placed on a hold and unscheduled from future courses. For those students utilizing financial aid, this hold will prevent a financial aid disbursement until the issue is resolved through either the appeal process or through a Student Community Standards Formal Hearing. For more information on the code of conduct review process please see that section in this Catalog.

NSLDS Fraud Loan Flag and Federal Student Aid Eligibility

Students who have been convicted of fraudulently obtaining federal loans are no longer eligible for Federal Title IV aid. Students will be flagged on the Student Aid Report (SAR) as comment code 272. Students with this comment codes must refer to the loan holder for resolution. A financial aid hold will be immediately placed on the students account and students will be unscheduled from all future courses. For those students utilizing financial aid, this hold will prevent a financial aid disbursement until the issue is resolved. If a student is still within the first week of their course, or within the Ashford Promise (CAP) period, those students will be removed from their current course as well. Students will be administratively withdrawn from the University after 14 days of non-attendance.

Identity Reject Flag and Federal Student Aid Eligibility

Students who meet certain conditions related to identity issues will be flagged on the Student Aid Report (SAR) as comment code 281 and are no longer eligible for Federal Title IV aid until resolved. A financial aid hold will be immediately placed on the students account and students will be unscheduled from all future courses. For those students utilizing financial aid, this hold will prevent a financial aid disbursement until the issue is resolved. If a student is still within the first week of their course, or within the Ashford Promise (CAP) period, those students will be removed from their current course as well. Students will be administratively withdrawn from the University after 14 days of non-attendance.

This comment code can only be overridden by the Department of Education. Students should contact Federal Student Aid at 202-377-3889 for resolution. The Department will work with students regarding requesting documentation directly to clear the issue. If the comment code is determined to be in error or is resolved, the school will receive a reprocessed ISIR with an override comment code 283.

Unusual Enrollment History and Federal Student Aid Eligibility

Students who are flagged on the Student Aid Report (SAR) as comment code 359 or comment code 360, who did not successfully complete coursework during an academic year in which they also received a Pell grant, may be required to submit a letter of explanation and appropriate college history documentation for review by Ashford. The letter and explanation must show that there were extraordinary or unusual circumstances that occurred which prevented the student from being successful in his or her studies. Requested documentation related to comment code 359 or 360 must be submitted by new students and approved by Ashford University prior to a student progressing beyond conditional admission status or the student will be administratively withdrawn. For continuing students, if any requested documentation related to comment code 359 or 360 is not received or approved by Ashford University within 14 days of request, students are administratively withdrawn from classes. Financial aid will not be processed or disbursed if an applicant fails to provide the requested documentation.

General Financial Aid Reapplication Process

It is the student’s responsibility to reapply for funding as necessary by completing the FAFSA and any subsequent document requested by the Financial Aid Office. Students enrolled in an online program must reapply 90 days prior to the start of each academic year. Students enrolled in a Clinton Campus program are responsible for reapplying for funding each year by March 1. Tardiness in applying could result in disqualification of the Financial Aid Plan and requires compliance with the terms and conditions of the Cash Plan.

If a student does not complete the financial aid process in advance of his or her last date of attendance, he or she forfeits eligibility for financial assistance that might otherwise have been available during that period of enrollment, and becomes fully responsible for all remaining balances. This also applies to Clinton Campus students with institutional scholarships or grants.

Online Undergraduate Programs

Renewed Loan Eligibility: A student enrolled in the online undergraduate program may renew his or her loan for the next academic year once these conditions have been met:

  • If required, submission of a new award year FAFSA and any subsequent documents requested by the Financial Aid Office;
  • The student has completed the initial 40-weeks of instructional time and the loan period has ended;
  • The student has successfully completed 24 undergraduate-level credits; and
  • The student is registered for another course.

Online Graduate Programs

Renewed Loan Eligibility: A student enrolled in the online graduate program may renew his or her loan for the next academic year once these conditions have been met:

  • If required, submission of a new award year FAFSA and any subsequent documents requested by the Financial Aid Office;
  • The student has completed the initial 36-weeks of instructional time and the loan period has ended;
  • The student has successfully completed 18 graduate-level credits; and
  • The student is registered for another course.

Entrance Counseling for Federal Loan Recipients

All first-time Federal Direct loan recipients who have received a Financial Aid Award offer and have accepted the Federal Direct Loan(s) are required to complete online Federal Direct Loan Entrance Counseling and to sign a Federal Direct Loan Master Promissory Note prior to the school receiving the funds. First-time borrowers of federal loans at Ashford University must complete entrance counseling as mandated by federal regulations. This requirement is met by completing an entrance counseling exercise online. Federal loans (Direct Loans and Grad PLUS) cannot be released to a student’s account until this federal requirement is satisfied. Students applying for the TEACH Grant must also complete an Entrance Counseling as well as the TEACH Grant Agreement to Serve (ATS). Students will be provided information on how to complete the required counseling exercises along with their financial aid award information.

Types of Financial Aid

In general, financial aid is provided in the form of grants and loans. Part-time work programs are available for students enrolled in Clinton Campus programs. While some students may qualify for one type of financial assistance, others may qualify for a combination of two or more programs. The “financial aid packaging” process is awarding aid without exceeding the student’s financial need. This “packaging” of financial aid allows Ashford University to assist a larger number of students and to award aid suited to the student’s individual needs. Each student may be expected to make a financial contribution toward educational costs based on family circumstances and ability to pay. The family’s share of the cost and eligibility for aid are determined through the Free Application for Federal Student Aid (FAFSA).

University Awards (for Clinton Campus Programs) 

The University awards institutional aid based on a student’s demonstrated financial need and academic record. For more information, please see the Ashford website at www.chooseashford.com or inquire in the Admissions or Financial Aid Offices.

State Aid Programs

Please visit the Education Resource Organization Directory (EROD) at wdcrobcolp01.ed.gov/Programs/EROD/index.cfm for a list of agencies administering state grants. Students may contact these agencies directly for information regarding state grants that may be available.

Federal Aid Programs (Title IV)

Federal Pell Grants: Federally funded grants for undergraduate students who have not earned a bachelor’s or professional degree. These grants are based on financial need and enrollment status at the University. Pell Grants provide a foundation of financial aid for many students to which other aid may be added. To determine eligibility for Federal Pell Grants, the US Department of Education uses a standard formula to evaluate the information supplied to them from the student. This formula produces an Expected Family Contribution (EFC) amount. The amount a student receives for a Pell Grant depends on a student’s EFC, cost of attendance, status as either a full-time student or part-time student, and whether the student will attend school for a full academic year. Pell Grants are limited each award year in amounts depending upon program funding and a maximum per-student amount. Grants are currently awarded up to a maximum of $5,730 per academic year. The amount of Federal Pell Grant funds a student may receive over his or her lifetime is limited to be the equivalent of six years or 600% of Pell Grant funding.

Federal Supplemental Educational Opportunity Grants (FSEOG): Grants funded by the federal government and the University to aid undergraduate students with exceptional financial need. The University determines who will receive FSEOG based on factors such as need, Pell Grant eligibility, and availability which may vary by payment period. The award amount could be up to $1,500 per academic year at Ashford University based on allocations.

Direct PLUS Loans (PLUS): Long-term, low-interest rate loans made available to eligible parents to help pay student expenses at an approved postsecondary educational institution. These are loans that must be repaid. An eligible parent may borrow up to the student's cost of attendance, minus all other financial aid resources. The lender is the U.S. Department of Education. Repayment begins once the loan is fully disbursed. The parent borrower may contact his or her loan servicer to request a deferment. These loans are subject to credit approval and are available only to aid dependent students.

Direct Graduate PLUS Loans (Available for Graduate Programs Only): Long-term, low-interest unsubsidized loans for graduate students. These are loans that must be repaid. The student may borrow up to the cost of attendance, minus the Unsubsidized Direct Loan (if applicable), all other financial aid received, and any other aid resources. An eligible student may borrow directly from the Federal government. Repayment begins six months after the student ceases to be enrolled at least half-time. These loans are subject to credit approval.

Federal Direct Loans: Direct Loans are low-interest loans for students to help pay for the cost of a student’s education when attending post-secondary education after high school. These are loans that must be repaid. The lender is the US Department of Education. Students may borrow directly from the federal government through the Direct Loan servicer. While the federal government is the lender for Direct Loans, the application and origination process occurs through the University. To be eligible for a Direct Loan, a student must be enrolled in an eligible degree program on at least a half-time basis. The Direct Loan Program offers a lower interest rate than most commercial loans. The federal government pays the interest on a Subsidized Direct Loan* for undergraduate students while attending at least a half-time program or during a period of deferment, as long as the student shows a demonstrated financial need. An origination fee may be deducted from the student’s loan amount that is disbursed. If a student does not demonstrate a financial need or is a graduate student, the Unsubsidized Direct Loan may be available and begins to accrue interest while the student is in school. Please refer to the Federal Direct Annual Loan Limits and Federal Direct Aggregate Loan Limits tables in this section of this Catalog. If a student received federal student financial aid funds, and withdraws from the institution, after review of the student’s account to determine if there are payments in excess of charges, the student is entitled to receive a refund of funds not paid from federal financial aid funds. The standard repayment plan begins six months after the student graduates or is no longer enrolled at least half-time, and up to 10 years may be allowed to repay the loan(s). Students who meet eligibility requirements may request a deferment or forbearance of their loan payment. The following are circumstances under which a student may qualify for a deferment/forbearance: currently enrolled in school on at least a half-time basis; graduate fellowship; rehabilitation training; unemployment; economic hardship; military service; or post-active duty student. Please refer to www.studentaid.ed.gov for more information about current loan interest rates and how to apply for a Direct Loan and other repayment options.

*Beginning with the 2013-2014 Financial Aid year, there is a limit on the maximum period of time (measured in academic years) that a student can receive Subsidized Direct Loans. This applies to first-time borrowers only (or students who had previously borrowed and paid off federal student loans). In general, a student may not receive Subsidized Direct Loans for more than 150% of the published length of his or her program. Students who change programs may have their subsidized eligibility impacted and should contact their Student Advisor for more information.

TEACH Grant (Clinton Campus only): Through the College Cost Reduction and Access Act of 2007, Congress created the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program that provides grants of up to $4,000 per year to students who intend to teach in a public or private elementary or secondary school that serves students from low-income families. In exchange for receiving a TEACH Grant, students must agree to serve as a full-time teacher in a high-need field in a public or private elementary or secondary school that serves students from low-income families. As a recipient of a TEACH Grant, students must teach for at least four academic years within eight calendar years of completing the program of study for which a TEACH Grant was received, complete the FAFSA and have a cumulative Grade Point Average (CPGA) of 3.25 or higher and meet all Title IV eligibility requirements. If the student does not complete the service obligation, all TEACH grants are converted into a Direct Unsubsidized Loan with interest charged from the date the TEACH grant was disbursed and will need to be repaid.

Federal College Work-Study Program (FWS) (Clinton Campus only): Funded by the federal government and the University. To be eligible, a student must be a Clinton Campus student, complete the FAFSA, have a documented financial need and maintain satisfactory progress, as defined for financial assistance. Students may be employed by the University or off-campus federal, state, and local public agencies. They may also be employed by certain private nonprofit organizations. Work-Study awards do not guarantee a student employment with an eligible employer. In addition, funds earned through the FWS program do not automatically count against the student’s billed tuition. Contact the Clinton Campus Financial Aid Office for additional information.

Iraq and Afghanistan Service Grant: Federally funded grants for undergraduate students. Students may be eligible for this grant if the student was not eligible for a Federal Pell Grant on the basis of their Expected Family Contribution but meets the remaining Federal Pell Grant eligibility requirements, and the student’s parent or guardian died as a result of U.S. military service in Iraq or Afghanistan after September 11, 2001; and if at the time of the parent or guardian’s death the student was either less than 24 years old or was enrolled in college.

Other Available Financial Aid

Students should check with their high school, area civic groups, businesses, and churches to determine availability. See Outside Scholarships and Private Loan in this section of the Catalog.

Financial Aid Plan for Online Programs

To select the Financial Aid plan as the primary payment option for enrollment in an online program, at least 50% of a student’s annual tuition and applicable fees must be funded through federal financial aid benefits.

Under this plan when used as a primary payment option for enrollment in an online program, students are expected to submit all financial aid documents prior to their start date. If a student fails to supply all required documents by 11:59 pm in the Pacific Time Zone on Monday of the first week, the student will be withdrawn from his or her current course. Students who are otherwise qualified may restart their program at a later date when all required financial aid documentation is submitted. If a student is unable to qualify for financial aid, he or she must select another payment option and is held responsible for any outstanding balances incurred.

Continuous attendance with no attendance breaks greater than 14 days or approved an Academic Leave greater than 45 days is required to retain eligibility for disbursed federal financial aid funds. The University may schedule periods of non-enrollment during which no courses are scheduled. When this occurs, such as during the annual winter break, the non-enrollment period may extend the 14 day limit to include the break. The University may be required to return the federal funds of students with reduced financial aid eligibility due to attendance breaks or Academic Leaves, leaving the student responsible to the University for any balance on the student’s account. Students who are awarded Title IV aid in an amount exceeding the tuition and fees assessed by the University, and/or students who withdraw before completion of the term or program, may be required to return unearned funds to the Department of Education and/or Ashford University. Students in this situation who received excess funds stipend checks may be required to return those funds to the institution. Students are strongly encouraged to contact their Student Advisor to understand the potential impact attendance changes may have on their financial aid as far in advance as possible.

Financial Aid Specific to Online Undergraduate Programs

Definition of Academic Year

Week = 7 calendar days

Full Academic Year Definition = a minimum of 40 weeks of instructional time and 24 successfully earned credits that apply toward the student’s program of study. Please note: courses are offered 50 weeks in each calendar year. Therefore, students can complete five academic years in four calendar years.

A full Academic Year consists of two (2) increments that may be referenced as payment periods, financial aid payment periods or Satisfactory Academic Progress (SAP) increments.

  • The first payment period in the Academic Year ends when half of the credits and weeks required for a completed Academic Year have been met.
  • The second payment period in the Academic Year ends when the requirements for a completed Academic Year have been met.

Final Academic Year Exceptions:

  • For any remaining portion of a program that is half of an Academic Year or less, the remaining portion is treated as a single payment period.
  • For any remaining portion of a program that is more than half of an Academic Year but less than a full Academic Year, the remaining portion is divided into two payment periods and the first payment period is the period in which the student successfully completes half of the credits and half of the weeks of instructional time in the remaining portion.

Satisfactory Academic Progress (SAP) is evaluated at the end of each payment period.

Loan Disbursement Information

Loan periods for online undergraduate programs are 40 weeks in length. Online undergraduate students can expect two (2) disbursements (one per payment period) each academic year. An academic year for undergraduate students is comprised of eight (8) successfully completed courses. Each payment period is four (4) successfully completed courses. The beginning of the loan period for online programs will coincide with the beginning date of the first course in the student’s academic year. See Financial Aid Specific to Online Undergraduate Programs Definitions in this section of the Catalog for more information about loan periods

First Disbursement: To receive a disbursement, students must have successfully completed the financial aid application process, including verification, if applicable. The first disbursement will be delivered no earlier than the first week a student has posted attendance in the first course. For students who are conditionally admitted with the Ashford Promise, the first disbursement will be delivered no earlier than at the time of matriculation during the 4th week of attendance in the first course. For first-time undergraduate borrowers, the first disbursement cannot be disbursed until 30 days after the first day of the student’s program of study. The first disbursement is intended to be applied toward the first four (4) successfully completed courses and any applicable fees.

Second Disbursement: The second disbursement will be delivered once a student has successfully completed at least 12 undergraduate-level credits and is intended to be applied toward the remaining four (4) successfully completed courses and any applicable fees in the second payment period. A student must also be registered for and start the next class in the second payment period, and at least half of the loan period (20 weeks) must have passed. For students in a final academic year that is less than a full academic year but more than half of an academic year, the second disbursement will occur when the student has completed half the credits and half the weeks of instructional time remaining. In order to be eligible for a Post Withdrawal Disbursement (PWD) or Late Disbursement for a second/subsequent disbursement, a student must have graduated or completed the payment period for which the loan was intended.

Note: Grades of “W,” “WF,” “I,” or “F” do not count toward successfully completed courses. Grades of “D+,” “D,” or “D-” that do not count toward successful completion of required competency courses and thus must be repeated, also do not count toward successfully completed courses. In addition, students who are required or choose to repeat courses will not have the repeated course counted toward successfully completed courses. Once a grade of “I” is successfully completed for a permanent grade as outlined previously, the course will count toward successful completion.

Financial/Financial Aid Implications for Residents of Mississippi and Tennessee: Financial aid may be certified but will not be disbursed until proof of graduation from high school or equivalent has been received by Ashford University. To allow time for receipt of this proof, students choosing the “financial aid” payment option will have their first disbursement of financial aid delayed until the later of eleven (11) calendar weeks post start date or the conclusion of the first six (6) attempted credits. Students whose proof of graduation from high school or equivalent is not received within the time frame described previously will:

  1. be placed on finance hold and unscheduled from future courses until proof of graduation from high school requirements are satisfied and financial aid is certified, or
  2. pay cash to bring their account current and for all courses they take until proof of graduation from high school requirements have been received and financial aid has been disbursed.

Tuition Payment and Financial Aid

Each financial aid disbursement is intended to cover tuition costs for at least 12 undergraduate-level credits. However, students who do not meet the minimum 12 successfully completed undergraduate level credits may be required to pay out of pocket for additional courses, including dropped or failed courses, before a subsequent disbursement can be released. Students who fall below the minimum number of credit hours may have their financial aid funds reduced or prorated.

Students who do not consistently register for sequential courses may not receive their financial aid disbursements.

Online Bookstore Voucher (Online Undergraduate)

Online undergraduate students may be eligible for a voucher to purchase required books and supplies through the University’s online bookstore. Vouchers are automatically generated and emailed to eligible students within the first seven days of the financial aid payment period.

This online bookstore voucher allows the student to purchase required books and supplies with an automated charge posted to his or her student account against anticipated financial aid, and only when the anticipated financial aid is greater than the amount of tuition and fees for the payment period. These voucher purchases will be paid by the student’s financial aid funds once disbursements are posted to the student’s account. In all cases, the student is obligated to reimburse Ashford University in full for the amount of charges incurred when the bookstore voucher is used whether or not sufficient financial aid funds are available on the student’s account. Such a situation may occur, but is not limited to, when:

  • the bookstore charges are not able to be charged against financial aid;
  • the student does not receive the anticipated financial aid; or
  • the student does not receive sufficient financial aid to cover the full amount of the bookstore charges.

Online bookstore vouchers will only be issued to students who:

  • are eligible for a Federal Pell Grant; and
  • are estimated to be eligible for federal aid disbursements in excess of tuition and fee charges; and
  • complete their financial aid file 21 calendar days prior to the start of the financial aid payment period, or have their financial aid package completed 10 calendar days prior to the start of the payment period.

Online bookstore vouchers expire 21 days after the financial aid payment period begins and may only be used at the University’s online bookstore. These vouchers are not transferrable and cannot be redeemed for cash. Only one voucher per eligible student will be issued each financial aid payment period. Students are not obligated to use the voucher to purchase their books. Students may opt out by simply not using the book voucher and purchasing their books using personal funds.

Questions pertaining to the Online Bookstore Voucher should be directed to the student’s Student Advisor.

Financial Aid Specific to Online Graduate Programs

Definition of Academic Year

Week = 7 calendar days

Full Academic Year Definition = a minimum of 36 weeks of instructional time and 18 successfully earned credits that apply toward the student’s program of study.

A full Academic Year consists of two (2) increments that may be referenced as payment periods, financial aid payment periods or Satisfactory Academic Progress (SAP) increments.

  • The first payment period in the Academic Year ends when half of the credits and weeks required for a completed Academic Year have been met.
  • The second payment period in the Academic Year ends when the requirements for a completed Academic Year have been met.

Final Academic Year Exceptions:

  • For any remaining portion of a program that is half of an Academic Year or less, the remaining portion is treated as a single payment period.
  • For any remaining portion of a program that is more than half of an Academic Year but less than a full Academic Year, the remaining portion is divided into two payment periods and the first payment period is the period in which the student successfully completes half of the credits and half of the weeks of instructional time in the remaining portion.

Satisfactory Academic Progress (SAP) is evaluated at the end of each increment.

Loan Disbursement Information

First Disbursement: To receive a disbursement, students must have successfully completed the financial aid application process, including verification, if applicable. The first disbursement will be delivered no earlier than the first week a student has posted attendance in the first course. For students who are conditionally admitted with the Ashford Promise, the first disbursement will be delivered no earlier than at the time of matriculation during the 4th week of attendance in the first course. The first disbursement is intended to be applied toward the first three (3) successfully completed courses and any applicable fees.

Second Disbursement: The second disbursement will be delivered once a student has successfully completed at least 9 graduate-level credits and is intended to be applied toward the remaining three (3) successfully completed courses and any applicable fees in the second payment period. A student must also be registered for and start the next class in the second payment period, and at least half of the loan period (18 weeks) must have passed.

Note: Grades of “W,” “WF,” “I,” or “F” do not count toward successfully completed courses. In addition, students who are required or choose to repeat courses will not have the repeated course counted toward successfully completed courses. In addition, students who are required or choose to repeat courses in which they earned a grade of “C,” will not have the repeated course counted toward successfully completed courses. Once a grade of “I” is successfully completed for a permanent grade as outlined previously, the course will count toward successful completion.

Tuition Payment and Financial Aid

Each financial aid disbursement is intended to cover tuition costs for at least 9 graduate-level credits. However, students who do not meet the criteria listed previously for receipt of loan funds may be required to pay for more than the minimum number of courses before a subsequent disbursement is available. Students who do not consistently register for sequential courses may not receive their financial aid disbursements.

Financial Aid Plan for Clinton Campus Programs

Under the Financial Aid plan for enrollment in Clinton Campus programs, if a student fails to supply all required documents by Friday of the second week at 4 pm in the Central Time Zone, the student will be immediately withdrawn from all courses in that semester. Students who are otherwise qualified may be rescheduled to restart their program at a later date when all required financial aid documentation is submitted or when a different method of payment is selected. If a student is unable to qualify for financial aid, he or she must select another method of payment and is held responsible for any outstanding balances incurred.

Loan Disbursement Information

Loan periods for all Clinton Campus based programs are generally comprised of  two terms (fall and spring). The beginning date of the loan period for Clinton Campus programs will coincide with the start date of the first term in the loan period.

Disbursement Eligibility: The first disbursement will be delivered after the census date in the term. First-time undergraduate borrowers cannot receive their disbursement until 30 days after the first day of the student’s program of study. Clinton Campus programs use a schedule academic year in determining the frequency of annual loan limits. The summer term is considered a trailer to the fall/spring academic year. A student enrolled in a Clinton Campus program gains eligibility for up to the Direct annual loan limit for a scheduled academic year that begins with the fall term. If a student exhausts his or her annual loan limit during the fall/spring terms, he or she is ineligible for additional loan funds for attendance during the summer term. If the student has remaining annual loan limit eligibility after attending the fall and/or spring terms, he or she may receive the remainder of his/her annual loan limit for summer attendance during a loan period that includes only the summer term. The beginning date of the loan period for a summer loan will coincide with the start date of the summer term. The first disbursement of a summer-only loan will be delivered after the census date in the term.

Repeating Coursework (Clinton Campus Students)

Retaking coursework previously passed in Ashford University Clinton Campus programs may impact a student’s enrollment status (e.g., full time, half time, etc.). Courses attempted a third time when the prior two attempts resulted in a passing grade will not be included in the enrollment status calculation for the term. This may affect the student’s eligibility for financial aid funds. Students are encouraged to contact the Financial Aid Office for more information.

Clinton Campus Bookstore Vouchers/Charges

All Clinton Campus students have the option to purchase books and required course supplies with a charge posted to their student account against anticipated financial aid, scholarships, or payments. Vouchers are automatically generated for eligible registered Pell Grant recipients.

Students are obligated to pay Ashford University in full for the amount charged in the bookstore whether or not sufficient financial aid funds are available on the student’s account. Such a situation may occur, but is not limited to, when:

  • the bookstore vouchers/charges are not able to be charged against financial aid;
  • the student does not receive anticipated financial aid or scholarships; or
  • the student does not receive sufficient financial aid to cover the full amount of the bookstore vouchers/charges.

The Clinton Campus Bookstore Vouchers are not transferrable and cannot be redeemed for cash. Only one voucher per eligible student will be issued each financial aid semester. Students are not obligated to charge their books to their student account. Students may opt out by purchasing their books using personal funds.

This option is only available during the first 10 class days of each semester. Questions pertaining to the Clinton Campus Bookstore purchases should be directed to the student’s Finance Planner.

Financial Aid and Satisfactory Academic Progress Requirements

Students are required to make satisfactory academic progress in order to maintain eligibility for Title IV federal financial aid. See the Satisfactory Academic Progress (SAP) policy in the Clinton Campus Programs, Online Undergraduate Programs or Online Graduate Programs section of this Catalog for further details related to SAP review and requirements, and information related to conditions of Academic and Financial Aid Warning, Academic and Financial Aid Probation and Probation-Academic Plan during which students maintain Title IV eligibility.

Note: Grades of “W,” “WF,” “I,” or “F” do not count toward successfully completed courses. Grades of “D+,” “D,” or “D-” that do not count toward successful completion of required competency courses and thus must be repeated, also do not count toward successfully completed courses. In addition, students who are required or choose to repeat courses will not have the repeated course counted toward successfully completed courses. Once a grade of “I” is successfully completed for a permanent grade as outlined previously, the course will count toward successful completion.

Exit Counseling for Federal Loan Recipients

Students who leave the University or whose student status falls below half-time must complete exit counseling for federal loans (Direct and Grad PLUS) within 30 days of separation from the school as mandated by federal regulations. Students will be emailed instructions on how to complete their exit counseling online. Students may contact the Financial Aid Office to receive individual repayment or account information.

Return of Title IV Funds

The Financial Aid Office is required to perform a Return of Title IV Funds calculation when a Title IV recipient withdraws from his or her program. A student may withdraw from the University at any time either verbally or in writing. It is highly recommended that online students speak with their Student Advisor prior to withdrawing. Clinton Campus students who wish to withdraw must notify the Registrar’s Office.

The standard formula for Return of Title IV is calculated on a percentage basis by comparing the total number of days the student completed to the total number of days in the payment period. The calculation determines the amount of Title IV the student is eligible to keep and the amount of Title IV funds which are required to be returned. The Return of Title IV calculation may result in the student owing the University for unpaid tuition and fees and Department of Education grants and Direct Loans.

For Return of Title IV calculation purposes, the payment period for students attending the Clinton Campus programs is defined as the semester from which the student withdraws. Official and unofficial withdrawal dates for Clinton Campus students are defined as the last documented date of academically related activity by the student. For students participating in online classes, a payment period consist of one-half of the credit hours and weeks required for the academic year being attended at the time of withdrawal. For additional information on academic year and payment period, please refer to Definition of Academic Year in this section of this Catalog.

If a return of Title IV funds creates a balance on the student’s account, the student will be responsible for full payment. A student will not be allowed to re-enter, register, or receive an official academic transcript until the outstanding balance has been paid in full or is currently on an approved payment plan. If loan funds need to be returned by the student, the student may pay these funds back under the original terms of the loan. If grant funds need to be returned by the student, the student must pay these funds back to the Federal Grant program. The University will return the unearned Title IV funds in the following order:

  • Unsubsidized Direct Loan
  • Subsidized Direct Loan
  • Direct Graduate PLUS
  • Direct Parent PLUS
  • Federal Pell Grant
  • FSEOG
  • TEACH Grant
  • Iraq and Afghanistan Service Grant

For information regarding the determination of withdrawal date, please see the Withdrawal from the University policy in the General Academic Information and Policies section in this Catalog.

Direct Loan Grace Period

Direct Subsidized and Unsubsidized Loans:
When a student graduates, withdraws or is no longer enrolled at least halftime in an eligible program, he or she will be granted a six-month grace period for his or her Direct Subsidized and Unsubsidized Loans for which the student is not required to make a loan payment. The grace period begins the day after the student stops attending or drops below half time enrollment. At the end of the grace period, repayment begins. For Direct Unsubsidized Loans any interest that accumulates during the deferment period will be added to the unpaid principal.

Direct Parent and Graduate PLUS Loan:
There is no grace period for Direct PLUS loans. However, parent PLUS borrowers, graduate, or professional PLUS borrowers can request to defer repayment for an additional 6 months after the student graduates, withdraws or drops below half-time enrollment. In doing so, any interest that accumulates during the deferment period will be added to the unpaid principal. At the end of the grace period, repayment begins.

Direct Loan Repayment

There are several choices of repayment plans. The loan servicer will notify the student (and/or parent) of the date the loan goes into repayment. If the student does not choose a repayment plan, they will be placed on the standard repayment plan. The longer the loans are in repayment, the more interest that will be accrued. If a student obtains a loan to pay for their educational program, the student will have to repay the full amount of the loan plus interest, less the amount of any funds returned to the lender determined after withdrawal during the Return of Title IV Funds calculation.

Standard Repayment Plan:
The student pays a fixed amount each month until the loan is paid in full. The monthly payments will be at least $50, and up to 10 years repayment. Less interest is paid over time on this plan.

Graduate Repayment Plan:
The payments start out low and will increase every two years. The length of the repayment period will be up to 10 years. More interest is paid over time on this plan.

Extended Repayment Plan:
The student must have more than $30,000 in Direct Loan debt. Under the extended plan the student can take up to 25 years for repayment and two payment options: fixed or graduated. Fixed payments are the same amount each month, while the graduate payments start low and increase every two years.

Pay As You Earn Repayment Plan:
Maximum monthly payments are 10% of discretionary income, the difference between the adjusted gross income and 150% of the poverty guideline for the family size and state of residence. Payments change as income changes. Student (or parent) must have a partial financial hardship. The length of the repayment period will be up to 20 years.

Income Contingent Repayment Plan:
(Not available for parent PLUS Loans)
This plan gives the flexibility to meet the Direct Loan obligation without causing undue financial hardship. Each year the monthly payments are calculated on the basis of the student’s adjusted gross income (AGI, plus spouse’s income, if married), family size, and the total number of Direct Loans. The maximum repayment period is 25 years.

Income-Based Repayment Plan:
The required monthly payment will be based on the student’s (or parent’s) income during any period when he or she has a partial financial hardship. The monthly payment is adjusted annually. The maximum repayment period may not exceed 10 years.

Payment Support

If the student (or parent) has trouble making the loan payment, he or she should contact the loan servicer as soon as possible. There may be options such as changing repayment plan, deferment, or forbearance. Receiving a deferment or forbearance is not automatic. The student must apply for it. If the student is not sure who his or her servicer is, he or she can go to NSLDS at www.nslds.ed.gov and use his or her PIN to access all loan information.

Deferment:
A deferment is a period during which repayment of the principal and interest is temporarily delayed. Depending on the type of loan, the federal government may pay the interest on the subsidized loan during the period of deferment.

A student may qualify for a deferment while he or she is:

  • Enrolled at least half time in an eligible program at an eligible institution
  • Unemployed or meet the rules for economic hardship (limited to 3 years)
  • Based on qualifying active duty service in the U.S. Armed Forces or National Guard.

Forbearance:
If the student cannot make his or her scheduled loan payment and does not qualify for a deferment, he or she may be able to receive a forbearance. Forbearance allows the student to temporarily stop making payments, temporarily make smaller payments, or extend the time for making payments. Interest will continue to accrue on the subsidized and unsubsidized loans (including all PLUS loans).

Some common reasons for receiving forbearance are:

  • Illness
  • Financial hardship
  • Serving in a medical or dental internship
  • Residency

If the student has defaulted on a student loan, he or she is not eligible for a deferment or forbearance.

Consolidation

Consolidation is the process of combining multiple federal student loans into one loan so there is only one monthly payment. Loan consolidation can greatly simplify loan repayment by centralizing loans into one bill and can lower monthly payments by offering up to 30 years repayment. However, by consolidating, the length of the repayment period is increased. Students should understand the advantages and disadvantages of consolidation before submitting an application for consolidation. For more information, please visit www.studentaid.ed.gov.

Consequences for Not Making Loan Payments

If the student (or parent) does not make a loan payment or stops making payments and does not get a deferment or forbearance, the loan could go into default. To default means the student (or parent) fails to make the loan payment as scheduled according to the terms and conditions of the promissory note. Consequences for not making the loan payment could result in one or more of the following:

  • The entire unpaid balance with interest due and payable;
  • Loss of eligibility of deferment, forbearance or repayment plan;
  • Loss of eligibility of future federal financial aid;
  • The account being assigned to an outside credit agency;
  • Loan being reported to the three major credit bureaus, damaging credit ratings;
  • Federal and state income tax being withheld;
  • Student loan debt increasing due to late fees, additional interest, court costs, collection fees, attorney’s fee and any other costs associated with the collection process;
  • Wage garnishment.

For more information regarding Direct Loan Repayment please visit www.direct.ed.gov.

Questions Regarding Financial Aid

Students should call, write, or visit the Financial Aid Office for help in completing forms, answering questions, and explaining the award process. The Financial Aid Office telephone number for Clinton Campus programs is (563) 242-4023; the fax number for Clinton Campus programs is (563) 242-8684. The Financial Aid Office telephone number for online students is (866) 974-5700.

University Refund Policies

The following policies govern refunds to students in case of course drop, withdrawal, or dismissal from the University. Students who do not have federal financial aid will have their charges and financial credits assessed in accordance with the refund policy. Any nonfederal aid will be prorated and refunded using the same percentages in the refund policy. No refund will be made if the student’s withdrawal date occurs after 60% of the enrollment period has passed. For exceptions to this policy, please see specific state refund policies detailed subsequently.

Institutional Tuition Refund Policy

Students who drop or are administratively withdrawn from a course (or the institution) may be eligible for a tuition refund. Tuition refunds are based upon course length. Return of Title IV is based on the length of the payment period.

Online students should refer to the Ashford University Tuition Refund Schedule or applicable state refund policy for specific information regarding tuition refunds. Students whose last date of attendance (LDA) is during the indicated week will receive the tuition credit indicated. If an online student drops on or before the start date of a course, a 100% refund of the total cost of the course will be provided. Clinton Campus students should refer to the Iowa State Refund Policy table for specific information regarding tuition refunds. If a Clinton Campus student drops prior to census date (Friday of the second week of each term), no charges will be due. If a Clinton Campus student drops after census date, only tuition will be refunded in accordance with the Iowa State Refund Policy. Charges for room and board are not refundable except for special circumstances described previously. Charges for any other fees are not refundable.

Clinton Campus terms begin on Monday and end on Friday. Online course weeks begin on Tuesday and end on Monday.

Ashford University Tuition Refund Schedule

The Ashford University Tuition Refund Schedule applies to online students who drop or are administratively dropped from a course or the institution and who are not otherwise covered under a state-specific tuition refund policy.

PROGRAM

Course Length

1st* week

2nd* week

3rd* week

4th* week

5th* week

6th* week

Nonterm-Based Graduate Level Programs
(Online Formats) Refund % by Course LDA

6

100%

50%

0%

0%

0%

0%

Nonterm-Based Undergraduate Level Programs
(Online Formats) Refund % by Course LDA

5

100%

50%

0%

0%

0%

N/A

*Refund percentage applied based on week of last date of attendance (LDA).

Ashford University First Course Refund Schedule (Ashford Promise)

The Ashford University First Course Refund Schedule (Ashford Promise) applies to degree-seeking online students who drop or are administratively dropped during their first course. The Ashford University First Course Refund Schedule (Ashford Promise) is applicable to the first course taken as a degree-seeking student at the undergraduate and graduate level.

PROGRAM

Course Length

1st* week

2nd* week

3rd* week

4th* week

5th* week

6th* week

Nonterm-Based Graduate Level Programs
(Online Formats) Refund % by Course LDA

6

100%

100%

100%

0%

0%

0%

Nonterm-Based Undergraduate Level Programs
(Online Formats) Refund % by Course LDA

5

100%

100%

100%

0%

0%

N/A

*Refund percentage applied based on week of last date of attendance (LDA).

Undergraduate Students Using Military Tuition Assistance Refund Policy

Effective August 20, 2014

The Undergraduate Students Using Military Tuition Assistance policy applies to undergraduate students using military Tuition Assistance for an online course. Military Tuition Assistance users will have tuition refunded according to this policy unless the student resides in a state where that state’s tuition policy is more favorable to the student.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution**:

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 1-7

100%

Day 8

77%

Day 9

74%

Day 10

71%

Day 11

69%

Day 12

66%

Day 13

63%

Day 14

60%

Day 15

57%

Day 16

54%

Day 17

51%

Day 18

49%

Day 19

46%

Day 20

43%

Day 21

40%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

**When the drop meets the requirements detailed under Military Deployment Provisions, students may withdraw from any current course and receive a 100% tuition credit.

California State Refund Policy

The California State Refund Policy applies to residents of California who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

 Day 1-7
100%
 Day 8
77%
 Day 9
 74%
 Day 10
 71%
 Day 11
 69%
 Day 12
 66%
 Day 13
 63%
 Day 14
 60%
 Day 15
 57%
 Day 16
 54%
 Day 17
 51%
 Day 18
 49%
 Day 19
 46%
 Day 20
 43%
 Day 21
 40%
 Day 22+
 0%
*Refund percentage applied based on last date of attendance (LDA).  

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

 Day 1-7
100%
 Day 8
81%
 Day 9
 79%
 Day 10
 76%
 Day 11
 74%
 Day 12
 71%
 Day 13
69%
 Day 14
67%
 Day 15
64%
 Day 16
 62%
 Day 17
 60%
 Day 18
 57%
 Day 19
55%
Day 20
 52%
Day 21
 50%
 Day 22
48%
 Day 23
45%
 Day 24
43%
 Day 25
 40%
 Day 26+
 0%
*Refund percentage applied based on last date of attendance (LDA).  

Georgia State Refund Policy

 The Georgia State Refund Policy applies to residents of Georgia who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

 

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-8

100%

Day 9-17

50%

Day 18+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-10

100%

Day 11-21

50%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

 

The University will refund any unused portion of fees if a student withdraws before completing 50% of the period of instructional time except for: (a) items that were special ordered for a particular student and cannot be used or sold to another student; (b) items that were returned in a condition that prevents them from being used by or sold to new students; or (c) non-refundable fees for goods and/or services provided by third party vendors.

Refunds will be made in full to the student within thirty (30) days of the date of withdrawal.

In the event that students drop or are administratively dropped due extenuating circumstances beyond the student’s control (detailed in the Tuition Credit Request Policy and Procedure in the Student Rights and Responsibilities section of this Catalog), the school will refund a pro rata amount.

In the event the University cancels or changes a program of study or course (time or location) in such a way that a student who has started the program or course is unable to continue, the University will make arrangements in a timely manner to accommodate the needs of each student.

Indiana State Refund Policy

The Indiana State Refund Policy applies to residents of Indiana who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

 

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-8

100%

Day 9-17

50%

Day 18-26

25%

Day 27+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-10

100%

Day 11-21

50%

Day 22-31

25%

Day 32+

0%

*Refund percentage applied based on last date of attendance (LDA).

 

Iowa State Refund Policy

The Iowa State Refund Policy applies to residents of Iowa who are enrolled in online courses and all students enrolled in Clinton Campus programs and courses.

If a student enrolled in an online course drops, or is administratively dropped, from the course and his or her last date of attendance (LDA) in the course is on or before the drop deadline listed in the following table, a 100% refund of the total cost of the course will be provided. If a student enrolled in a Clinton Campus program or course withdraws from the University and his or her last date of attendance (LDA) at the University is on or before the drop deadline listed, a 100% refund of the total cost of the course will be provided.

Course/Term Length (weeks) Drop Deadline
3 Day 3
5 Week 1
6 Week 1
8 Week 1
16 Week 2

If a student enrolled in an online course drops, or is administratively dropped, from the course and his or her last date of attendance (LDA) in the course is beyond the drop deadline, the tuition refund is calculated according to the subsequent formula. If a student enrolled in a Clinton Campus program or course withdraws from the University and his or her last date of attendance (LDA) at the University is beyond the drop deadline, the tuition refund is calculated according to the following formula:

 

Tuition X

Remaining # of calendar days in the course/term

X 90%

Total # of calendar days in the course/term

 

Kentucky State Refund Policy

The Kentucky State Refund Policy applies to residents of Kentucky who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

 

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-8

100%

Day 9-17

50%

Day 18+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-10

100%

Day 11-21

50%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

 

Maryland State Refund Policy

 The Maryland State Refund Policy applies to residents of Maryland who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

 

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-7

100%

Day 8-10

60%

Day 11-14

50%

Day 15-20

20%

Day 21+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-7

100%

Day 8

80%

Day 9-12

60%

Day 13-14

50%

Day 15-16

40%

Day 17-25

20%

Day 26+

0%

*Refund percentage applied based on last date of attendance (LDA).

 

Missouri State Refund Policy

 The Missouri State Refund Policy applies to residents of Missouri who are taking courses in the online modality.

Some fees charged might be non-refundable depending on the student’s last date of attendance. Refunds will be issued to the original payor.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

 

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-7

100%

Day 8-14

50%

Day 15-21

15%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-7

100%

Day 8-14

50%

Day 15-21

25%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

 

New Mexico State Refund Policy

The New Mexico State Refund Policy applies to residents of New Mexico who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-7

100%

Day 8-10

60%

Day 11-14

50%

Day 15-17

30%

Day 18-21

15%

Day 22+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-7

100%

Day 8

75%

Day 9-12

60%

Day 13-14

50%

Day 15-16

45%

Day 17-21

30%

Day 22-25

15%

Day 26+

0%

*Refund percentage applied based on last date of attendance (LDA).

Tuition/fee refunds will be made within thirty (30) calendar days of the University receiving notice of a student’s withdrawal or of the institution terminating enrollment of the student, whichever is earlier. Upon request by a student or the New Mexico Higher Education Department, the institution shall provide an accounting for such amounts retained under this standard within five (5) work days.

Wisconsin State Refund Policy

The Wisconsin State Refund Policy applies to residents of Wisconsin who are taking courses in the online modality.

The following pro rata refund schedule applies when students drop or are administratively dropped from a course or the institution:

If Student Drops or Withdraws on

Refund Percentage for 5-week Courses*

Day 0-7

100%

Day 8-10

70%

Day 11-13

60%

Day 14-17

50%

Day 18-20

40%

Day 21+

0%

*Refund percentage applied based on last date of attendance (LDA).

If Student Drops or Withdraws on

Refund Percentage for 6-week Courses*

Day 0-7

100%

Day 8

80%

Day 9-12

70%

Day 13-16

60%

Day 17-20

50%

Day 21-25

40%

Day 26+

0%

*Refund percentage applied based on last date of attendance (LDA).

The University will make every effort to refund prepaid amounts for books, supplies, and other charges unless the student has consumed or used those items and they can no longer be used or sold to new students, or returned to the University or the supplier. A student will receive the refund within 40 days of the termination date. If a student withdraws after completing 60% of the instruction, and the withdrawal is due to mitigating circumstances beyond the student’s control (detailed in the Tuition Credit Request Policy and Procedure in the Student Rights and Responsibilities section of this Catalog), the school will refund a pro rata amount.

A written notice of withdrawal is not required. The University will honor any valid notice of withdrawal within the three (3) business day cancellation period, and within thirty (30) calendar days after dismissal of the student or receipt of notice of withdrawal, shall refund to the student any amounts due and arrange for a termination of the student’s obligation to pay any sum in excess of that permitted under the refund policy. For students receiving funds under Title IV, the school will comply with federal guidelines concerning constructive notice of withdrawal. All or a portion of the refund will be used to pay sponsors furnishing grants, loans, scholarships or other financial aid in conformity with federal and state law. After any disbursement to financial aid sponsors have been made, the student shall receive the balance, if any, for the amount due under the refund policy. The school will make a “good faith” effort to make a refund, if necessary, by sending certified mail to student’s and parent’s (where applicable) permanent address.

For information regarding the return of federal funds policies, please see the Return of Title IV Funds policy in this section of the Catalog. For information regarding the withdrawal policies, please see the Withdrawal from the University policy in the General Academic Policies and Information section in this Catalog.

Special Circumstances

Students called to active duty in the Armed Forces of the United States or leaving the University because of illness or other causes beyond their control may receive special consideration. Each case will be considered individually based upon the special circumstances involved.

Special circumstances may include, but are not limited to, the following:

  • Loss of Income;
  • Divorce;
  • Death of a wage earner;
  • Experience a natural or catastrophic disaster;
  • Major medical/dental expenses not covered by insurance; or,
  • Dependent Care.

Online students should contact their Student Advisor and on-campus students should contact the Campus Financial Aid Department for additional information.

Dismissal/Expulsion

Students dismissed or expelled from the University are not authorized refunds of any kind other than those provided by the Institutional Tuition Refund Policy in this section of the Catalog.