2015-2016 Dixie State University Student Financial Aid Handbook

Welcome to Dixie State University! Our office is here to assist you in financing your education. This handbook contains information about various financial aid programs available at Dixie State University (DSU) including summaries of important policies and procedures.

We offer a comprehensive and varied program of financial aid. The purpose of financial aid is to help eligible students bridge the gap between what they and their families can be expected to pay and what it will cost to attend Dixie State.

Financial aid is awarded on the basis of “need” and other eligibility criteria established by the U.S. Department of Education and other state agencies. There is no discrimination based on race, color, religion, age, sex, national origin, pregnancy-related condition, disability, or status as a veteran. All such regulations and policies are subject to change without notice.

To be eligible to receive financial aid, students must meet the required DSU Satisfactory Academic Progress (SAP) standards. See the Satisfactory Academic Progress in the Policy section below for full details.

If you have questions or need information not found in this handbook please call, write or come into the Financial Aid Office and visit with us. We are located on the first floor of the Holland Centennial Commons Building. Our contact information:

Address:
Dixie State Financial Aid & Scholarships
225 South University Ave.
St. George , UT 84770

Phone: 435-652-7575

E-mail: finaid@dixie.edu

Fax: 435-879-4087

Office Hours: 8:00am – 5:00pm, Monday – Friday

All financial aid forms and information are located on this website.

Applying for & Receiving Financial Aid at Dixie State University
Read this before you apply for aid:

Apply early! Because of complex federal requirements, it can take four to six weeks to process an accurate application. Errors will delay your award even more. Campus-based funds are awarded to the earliest applicants according to need. Once these limited funds have been awarded, applicants will be considered for Federal Pell Grants and Federal Direct Student Loans only. Make sure you apply in time to meet financial aid deadlines. Remember, it is your responsibility to ensure any balance owed for tuition and fees is paid in full. There are no guarantees that financial aid will cover your total balance or that it will be paid by the due date. By applying early, most unforeseen issues can be resolved in time to transfer funds to your account by the first day of the semester.

Apply for admission. You cannot be awarded financial aid until you have paid your DSU admission fee and completed the admissions process and are fully admitted as a degree seeking student.

Check your D-mail. You are assigned a D-mail account during the admissions process. We will notify you through your D-mail account if you have unmet requirements. This is also where you will be notified of your financial aid award and any other important information you will need to know concerning financial aid.

Be Aware of Privacy Restrictions: You must complete the DSU Release of Student Information form if you want your parents, spouse, or a third party to have access to your financial aid information. If this form is not completed, we will only communicate pertinent financial aid information with the student.

How To Apply

  1. FAFSA : Complete the “Free Application for Federal Student Aid” (FAFSA). Submit it to the Federal processor at least 8 weeks before the semester you want to receive aid. Dixie State University’s school code is 003671.
  2. Admission : Be sure the Admissions Office has an active application for admissions. To be eligible for financial aid your record must show:
  • You are admitted with a high school diploma, or GED.
  • You are seeking a degree, and you are in an eligible major. Contact the Records & Registration Office or Academic Advising if you have any questions concerning this process.
  1.  Check your MyDixie account : Remember to check your MyDixie account 4-5 business days after you have submitted your FAFSA. You will find information concerning any additional documentation the DSU Financial Aid Office needs to complete your file in your D-mail account.
  2. Loan Counseling : This is required once. It is to be completed when you receive your first Federal Direct student loan at DSU. Students who receive Federal Perkins loans will need to complete the Loan Counseling here.
  3.  Current Address & Phone numbers: Check your MyDixie account and ensure your address and phone numbers are correct so that we can contact you if needed.
  4. Other Requirements: Submit all required information to the Financial Aid Office as soon as possible. A delay in receiving the required documents will postpone disbursement of aid to your student account. We will send notifications to your D-mail account if we are missing any information.
  5. MyDixie : Regularly check your MyDixie account for your application requirements, award notifications, revisions, and updates. Check this often!
  6. Award: Once the Financial Aid & Scholarship Office has reviewed your file and determined your aid eligibility, you will be notified of your award through your D-mail account.

After You Are Awarded

  1. Reply: Review grants/accept your loans & Federal work-study online through your MyDixie account.
  2. Register: Register for your classes. Remember, there are no credit hour adjustments for financial aid after the third week of each semester. If you are enrolled for 11 credits at the end of the third week (Federal Pell grant census date), your Federal Pell grant award will be locked at three-quarter time. (See the Financial Aid Credit Enrollment chart below) If you add a block class after the end of the third week, we CANNOT adjust your Federal Pell grant award for the semester to include the additional credits. It would be your responsibility to pay any additional tuition and fees.
  3. Federal Direct Student Loan : If you are awarded a Federal Direct Student Loan (subsidized, unsubsidized) and you are a first-time Federal Direct Loan borrower, you will be required to complete Entrance Loan Counseling and the Master Promissory Note (MPN) before you are eligible to receive the loan funds. These can be completed at StudentLoans.govPLEASE NOTE: Freshman students, who are first-time borrowers, must wait 30 days into their first semester before they are eligible to receive their student loan funds.
  4. Federal Perkins Loan: If you are awarded a Federal Perkins Loan, contact Lisa Howard at (435) 652-7607 or lisa.howard@dixie.edu to set up an appointment to complete the Federal Perkins Loan promissory note loan counseling.
  5. Federal Work-study: If you are awarded Federal work-study, you must accept the award on your MyDixie and then fill out the on-line job application here beginning July 13, 2015.

If you have remaining funds, after your tuition and fees are paid, you will receive information from the DSU Business Office concerning how you can receive your remaining funds. Your refund will be available by the first day of the semester or 3-5 days after your funds have been released, whichever is later. Check your Dmail often as this is where any information concerning your money will be sent.

Financial Aid Credit Hour Enrollment

Full time: 12+ credits
Three quarter time: 9-11 credits
Half time: 6-8 credits
Less than half time: 1-5 credits

The number of credit hours which you enroll will affect the amount and types of aid you are eligible to receive each semester. Please check with the DSU Financial Aid Office if you have any questions concerning this matter. Students must be seeking a letter grade in the course for the credits of that course to count toward their total financial aid hours.

Types of Financial Aid

There are three types of financial aid:

  • Gift aid, does not have to be repaid; includes grants and scholarships.
  • Loans, of course, must be repaid; some become immediately repayable, while others offer deferred repayment.
  • Federal Work-study provides a wage for part-time employment offering valuable experience.

Grants

FEDERAL PELL GRANTS provide non-repayable aid for eligible students. Federal Pell grant awards range from $581 to $5,775 for the 2015-16 award year. The amount of the award is based upon the expected family contribution (EFC), the number of credit hours the student is enrolled in each semester, the cost of attendance, and a payment schedule issued by the U.S. Department of Education.

  • FEDERAL PELL GRANT LIFETIME LIMIT: In December 2011, President Obama signed into law the Consolidation Appropriations Act, 2012 (Public Law 112-74). This law has significantly impacted the Federal Pell Grant Program. Beginning in fall semester 2012, students are now limited to 12 full time semesters (or 6 full years) of Federal Pell grant eligibility during their lifetime. This change affects all students regardless of when or where they received their first Federal Pell grant. THERE ARE NO EXCEPTIONS TO THIS FEDERAL REGULATION.
  • FEDERAL PELL GRANT YEARLY MAXIMUM ELIGIBILITY: If you receive your full Federal Pell grant for both fall and spring semesters and attended full-time, 12 or more credits both semesters, you will not have any Federal Pell grant eligibility remaining for the summer semester. You may have remaining Federal Pell eligibility for summer semester if you only attended one semester or attended part-time during fall and/or spring semester.
  • FEDERAL PELL GRANT & REPEAT OF COURSES: Per federal regulation, Federal Pell grants may not be used to pay for more than one repeat of a previously passed course (class) in which you received a grade A through D-. Here is an example: A student takes Math 1010 and receives Federal Pell grant for the course; the student gets a grade of D. The student takes the course again, and receives Federal Pell grant again; this time the grade received is a C-. If the student wants to take the course yet again in order to improve the grade, he or she would NOT be able to receive Federal Pell grant again for this course. The credit hours for the course would be subtracted from the overall total credits attempted for the semester when determining the Federal Pell grant award for the semester. There are NO exceptions to this federal regulation.

FEDERAL SUPPLEMENTAL EDUCATIONAL OPPORTUNITY GRANT (FSEOG or SEOG) is an additional Federal grant funds available to students with unusual need. This grant is usually combined with other forms of aid and is also non-repayable. DSU has very limited funds, so you should apply early to be considered for this grant.

UTAH HIGHER EDUCATION STUDENT SUCCESS STIPEND is limited to eligible Utah residents only; these stipends are usually awarded to DSU students in the form of work-study funds. DSU has very limited funds, so you should apply early to be considered for this stipend.

Loans

****IMPORTANT INFORMATION FOR FRESHMAN FIRST-TIME LOAN BORROWERS:

PLEASE NOTE: Freshman students, who are first-time borrowers, must wait 30 days into their first semester before they are eligible to receive their student loan funds.

IMPORTANT INFORMATION FOR FIRST-TIME LOAN BORROWERS:

Effective July 1, 2013, the Moving Ahead for Progress in the 21st Century Act established a new provision to Federal Direct Loan statutory requirements that limits a first-time borrower’s eligibility for Federal Direct Subsidized Student Loans to a period not exceed 150 percent of the length of the borrower’s educational program (the 150% limit). A first-time borrower is a student who has no outstanding balance of principal or interest on a Federal Direct or FFEL student loan as of July 1, 2013. Congress wants to encourage students to obtain undergraduate degrees within a reasonable time frame. Students who change majors multiple times or, drop classes excessively or retake classes excessively are most likely to be affected by Public Law 121-141. The Government will no longer provide interest rate deferments for students taking an exceptional amount of time to obtain an undergraduate degree. The interest rate expense will now be passed along to the student in such cases.

Students borrowers who exceed 150% limit will no longer be eligible for a Federal Direct Subsidized Loan or loan interest subsidy. Once the student has exceeded the 150% of the published length of the student’s current educational program, the student will only be eligible to receive Unsubsidized Student Loans. Below are examples of the 150% maximum eligibility periods for Dixie State University degree and certificate programs:

Program Length/Maximum Eligibility Period
4-year bachelor degrees – x 1.5 – 6.0 years
2-year associate degrees – x 1.5 – 3.0 years
1-year certificate programs – x 1.5 – 1.5 years

A borrower who loses eligibility for additional subsidized loans as a result of reaching the maximum eligibility period also loses the interest subsidy on subsidized loans received on or after July 1, 2013 for all periods if the student did not complete the program in the 150% time frame and continues enrollment in the same program or enrolls in another program of the same or shorter length. The loss of the interest subsidy would be effective on the date of the continued or new enrollment. Additional information can be found here and here.

Please Note: The determination of the 150% limit on Federal Direct Subsidized Loan eligibility is not the same as DSU’s standard of Satisfactory Academic Progress (SAP) maximum time frame of 150% for completion of a degree or certificate program. The financial aid standard of Satisfactory Academic Progress maximum time frame is based on 150% of the program length as determined by total attempted credits.

FEDERAL DIRECT SUBSIDIZED LOANS are part of the Federal Student Loan Program. The funds are received directly for the U.S. Department of Education. The subsidized amount that may be borrowed depends on the borrower’s need and year in school. The interest rate is a maximum of 6.8%. The minimum monthly payment, which begins 6 months after the borrower ceases to be enrolled at least half-time, is $50 (subject to change). Students must be enrolled at least half time to be eligible to receive a loan. PLEASE NOTE: Any Federal Direct Subsidized Loan originated and disbursed after July 1, 2012 will be subject to new rules governing the 6 month grace period. The Federal Government will NOT pay any interest accrued during any grace period.

FEDERAL DIRECT UNSUBSIDIZED LOANS are another Federal Student Loan Program. They are available to any students enrolled at least half time who meet the general eligibility criteria. Subject to annual limits, the unsubsidized loan may not exceed the cost of education minus financial aid. The interest rate is a maximum of 6.8% and accrues during in-school, grace and deferment periods. Interest may be paid monthly, quarterly, or added to the principal amount of the loan (capitalization). Students must be enrolled at least half time to be eligible to receive a loan.

FEDERAL DIRECT PARENT LOAN for UNDERGRADUATE STUDENTS (PLUS) is a Federal Student Loan Program alternative specifically designed for parents to borrow to assist their undergraduate students education expenses. Parents of dependent students enrolled at least half-time may borrow from the U.S. Department of Education. The maximum interest rate is 7.9%. Not based on need, the amount of the PLUS may never exceed the student’s cost of attendance (as determined by the University) minus the student’s financial aid. Repayment of principal (unless deferred) and interest begins 60 days after the loan is disbursed. Students must be enrolled at least half time to be eligible to receive a loan.

FEDERAL PERKINS LOAN is an excellent long-term loan for those students who demonstrate exceptional need. Although the money must be repaid, no payments are required and no interest is accrued until nine months after the borrower ceases to be enrolled at least half-time. When interest begins to accrue it is at the rate of 5% per year (subject to change). A minimum monthly payment of $40 (subject to change) is required. Under special circumstances payment may be temporarily deferred for a time. Online loan counseling is required yearly for every student who receives this loan. Federal Perkins loan can be forgiven for some recipients who work in specific jobs. Please contact the financial aid office for details. Students must be enrolled at least half time to be eligible to receive a loan.

TUITION PAYMENT PLAN will allow eligible students to pay their tuition and fees in payments over the course of the semester. An application fee is charged to all short-term loan applications.

2015-2016 Student Loan Interest Rates:

Undergraduate Subsidized & Unsubsidized Direct Loans – 4.29%
Direct PLUS Loans – 6.84%

Student Loan Information

Entrance Federal Direct Student Loan Counseling: Any student who wishes to receive a Federal Direct Student Loan must complete the Entrance Federal Direct Student Loan Counseling when you apply for student loans at Dixie State University. This is only required once while attending DSU.

Exit Federal Direct & Federal Stafford Student Loan Counseling: When you are no longer enrolled at least half time at Dixie State University and have borrowed from the Federal Direct or Federal Stafford Student Loan programs, you are required by law to complete Student Loan Exit Counseling. The information in this module will provide you with critical information about your loans and how to repay them. Failure to complete Exit Loan Counseling will result in holds being placed on your DSU student file.

Entrance Federal Perkins Loan Counseling: You will need to complete the Entrance Federal Perkins Loan Counseling each year you receive a Federal Perkins Loan at Dixie State University. Contact Lisa Howard at, lisa.howard@dixie.edu or call (435) 652-7607. You will need to set up an appointment to sign your Federal Perkins Loan promissory note. Her office is located on the first floor of the Holland Centennial Commons Building.

Exit Federal Perkins Loan Counseling: When you are no longer enrolled at least half time at Dixie State University and have borrowed from the Federal Perkins Loan program, you are required to complete exit loan counseling. Please contact Lisa Howard at, lisa.howard@dixie.edu or (435) 652-7607 to complete this federal requirement. Failure to complete Exit Loan Counseling will result in holds being placed on your DSU student file.

Steps to Receiving a Student Loan

Applying for a Student Loan

As with all federal student aid, you apply for Federal Direct Loans by filling out the Free Application for Federal Student Aid (FAFSA). The information on your FAFSA is transmitted to Dixie State University and will be used to determine your financial need and eligibility for all federal and state student aid.

The award package

Federal Direct Loans are awarded as part of an award package which may contain other types of aid as well. Loans are to help you meet the costs of attending DSU.

The Federal Direct Loan Program offers the following types of loans:

  • Subsidized: these loans are awarded to those students with demonstrated financial need, as determined by federal regulations. No interest is charged while a student is in school at least half-time. However, all subsidized loans received after July 1, 2012 will be subject to new regulations which effect the interest during the grace period. The government will no longer pay the interest on a subsidized loan during the 6 month grace period. This includes taking a semester off such as summer semester. Students will be responsible for all interest accrued for any time they are not enrolled at least half time in school.
  • Unsubsidized: not based on financial need; interest is charged during all periods, even during the time a student is in school and during grace and deferment periods.
  • PLUS: credit based, unsubsidized loans for the parents of dependent students. PLUS loans help pay for education expenses up to the cost of attendance minus all other financial assistance. Interest is charged during all periods. Loans repayment begins 60 days after the last disbursement of the award year.
  • Consolidation: Eligible federal student loans can be combined into one Federal Direct Consolidation Loan.

Student borrowers are not required to begin making payments until 6 months after they drop below half-time attendance. Be advised, all loans only receive one, 6 month grace period. See ”When you graduate or leave school” for more information.

DSU will tell you how much you may borrow and the types of loans you are eligible to receive through your award notification that will be sent to your Dmail upon the completion of all financial aid requirements. The information below will give you an idea of how much you may be eligible to receive.

Note: PLUS loan borrowers cannot have an adverse credit history (a credit check will be done).

Accepting a loan

DSU will notify you of the loan amounts that are being offered via a notification to your D-mail account. You should evaluate the aid offer carefully. In the case of loans, keep in mind that whatever amount you borrow must be paid back with interest. If your living expenses are not as high as the standard allowance projected by DSU, you may choose not to borrow as much as the amount in the award letter.

To get an idea of your monthly loan payments after you graduate, take a look at this repayment calculator.

To get an idea of your educational expenses, please use this budget calculator.

You have the right to decline the loan or to request a lower loan amount. Your award letter will explain how to do this.

After you accept your Federal Direct Student or Federal Perkins loans, you must complete a few more steps:

  • Enroll in at least six credit hours and in a degree-seeking program.
  • Complete loan Entrance Loan Counseling. You will need to do this once at DSU.
  • Complete the Master Promissory Note (MPN).
  • Federal Perkins Loans: If you were awarded a Federal Perkins loan and need to sign a promissory note with DSU, please contact Lisa Howard at 435-652-7607 or lisa.howard@dixie.edu.

Parent/Graduate PLUS Loans

Your parent(s) must submit a DSU Parent Federal Direct PLUS application. Even if your parents are pre-approved for a Federal Direct PLUS loan, you must complete this form and submit it to our office.

When your parents apply for a Federal Direct PLUS Loan, the Department will check their credit history. To be eligible to receive a Federal PLUS loan, they must not have an adverse credit history. If it is determined that they have an adverse credit history, they may still receive a Federal Direct PLUS Loan if they obtain an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the Federal Direct PLUS Loan if your parents do not repay the loan. If you are a parent borrowing on behalf of your dependent student, the endorser may not be the student on whose behalf a parent obtains a Federal Direct PLUS Loan.

Private Education Loans (Alternative Loans)

If the federal programs are not sufficient to cover all of your school-related expenses, you may also consider a private education loan. Please contact the DSU Financial Aid Office for more details of these loans.

Aggregate loan amounts for the Federal Direct Student Loan Program:

Year
Dependent Student
Independent Student
Freshman Year 0-29.9 credits
$5,500 - No more than $3,500 can be subsidized
$9,500 - No more than $3,500 can be subsidized
Sophomore Year

30-60 credits & students who have NOT matriculated into a bachelor degree program.
$6,500 - No more than $4,500 can be subsidized
$10,500 - No more than $4,500 can be subsidized
Junior & Senior Year 60+ credits for those students who are matriculated into a bachelor degree program.
$7,500 - No more than $5,500 can be subsidized
$12,500 - No more than $5,500 can be subsidized
Maximum Total Debt from Federal Direct Student Loans
$31,000 - No more than $23,000 can be subsidized
$57,500 - No more than $23,000 can be subsidized
The Master Promissory Note

To receive a Federal Direct Loan for the first time, you must complete a Master Promissory Note (MPN). The MPN will be provided by the U.S. Department of Education. DSU offers the option of completing the MPN electronically. Once you have accepted your loan(s), you can complete the MPN on the Federal Direct Loans Master Promissory Note website. The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the Department. It also explains the terms and conditions of your loan(s).

In most cases, once you’ve submitted the MPN and it’s been accepted, you won’t have to fill out a new MPN for future loans you receive. You can borrow additional Federal Direct Loans on a single MPN for up to 10 years. You will receive a disclosure statement that gives you specific information about any loan that DSU plans to disburse under your MPN, including the loan amount, fees, and the expected disbursement dates and amounts. Please ensure that you keep your current address up to date with the DSU Records Office.

How the loans are disbursed (paid out)

Generally, your loan will cover a full academic year. DSU will make at least two disbursements to you. This generally happens at the beginning of fall/spring or spring/summer semesters. DSU will disburse your loan money by crediting it to your school account to pay (tuition, fees, on-campus room, board, and other authorized charges). If the loan disbursement amount exceeds your DSU charges, the school will disburse to you the remaining balance of the disbursement directly to your HigherOne account. Your refund will be available by the first day of the semester or 3-5 days after your funds have been released, whichever is later. A notice will be sent to your D-mail account each time we disburse any part of your loan money as well as information about how to cancel all or part of your disbursement if you find you no longer need the money. You will also receive a notice from us confirming the disbursement. You should read and keep all correspondence received concerning your loan.

Using the loan for education expenses

You should use the loan money you receive to pay for your education expenses while attending DSU. Education expenses include school charges such as tuition & fees, room and board and indirect expenses such as books, supplies, equipment, dependent child care expenses, transportation and rental or purchase of a personal computer. Budgeting your money so that it will last the full semester is very important. You can learn more about how to budget your money here.

Enrollment status & other changes

It’s important to keep the Federal Direct Loan Servicing Center informed of any changes in your status, so that your loan information is up-to-date. This is your responsibility.

You must notify the Federal Direct Loan Servicing Center if you:

  • Change your local address, permanent address or telephone number
  • Change your name (for example, maiden name to married name)
  • Do not enroll at least half-time for the loan period certified by the school
  • Do not enroll at the school that certified your loan
  • Stop attending school or drop below half-time enrollment
  • Transfer from one school to another school
  • Graduate

Until you graduate or leave school, you must also keep the DSU Record Office informed of the changes listed above.

A scheduled break in enrollment, such as the summer semester, is not considered an interruption in your enrollment. If you are planning to return to school during the next regularly scheduled enrollment period, you do not need to contact DSU or the Department of Education.

When you graduate, drop below half-time, or withdraw from your academic program, you will receive a six-month grace period for your Federal Direct Subsidized and Unsubsidized Loans. Once your grace period ends, you must begin repaying your loan(s). For more information about grace periods and your obligations after you have left school, please see When you graduate or leave school for more information.

Paying interest while in school

You may choose to pay interest on your Federal Direct Unsubsidized while you are in school. If you choose not to pay the interest while you’re in school, the Department of Education will add any accrued interest to the unpaid principal amount of your loan. This is called “capitalization,” and it can substantially increase the amount you are required to repay, especially if you are receiving multiple loans for a multi-year program. Capitalization increases the unpaid principal balance of your loan, and the Department of Education will then charge interest on the increased principal amount.

It will save you some money in the long run if you pay the interest as it accrues on your loan while you’re in school or during the grace period. This is also true if you pay any interest that accrues during periods of deferment or forbearance after you leave school.

If you’ve already taken out at least one Federal Direct Loan, you can check your interest statements and  use this online calculator to find out how much you’ll pay over the life of the loan if the in-school interest is added to your loan balance.

Repaying Your Student Loans

Estimated Monthly Repayment Amount*

Loan Interest Rate

Total Amount Borrowed
4.00%
5.00%
6.00%
7.00%
$1,000
$50.00
$50.00
$50.00
$50.00
$2,000
$50.00
$50.00
$50.00
$50.00
$3,000
$50.00
$50.00
$50.00
$50.00
$4,000
$50.00
$50.00
$50.00
$50.00
$5,000
$50.00
$53.03
$55.51
$58.05
$6,000
$60.74
$63.64
$66.61
$69.67
$7,000
$70.87
$74.25
$77.71
$81.28
$8,000
$80.99
$84.85
$88.82
$92.89
$9,000
$91.12
$95.46
$99.92
$104.50
$10,000
$101.24
$106.07
$111.02
$116.11
$11,000
$111.36
$116.67
$122.12
$127.72
$12,000
$121.49
$127.28
$133.22
$139.33
$13,000
$131.61
$137.89
$144.33
$150.94
$14,000
$141.74
$148.49
$155.43
$162.55
$15,000
$151.86
$159.10
$166.53
$174.16
$20,000
$202.49
$212.13
$222.04
$232.22
$25,000
$253.11
$265.16
$277.55
$290.27
$30,000
$303.73
$318.20
$333.06
$248.33
$35,000
$354.35
$371.23
$388.57
$406.38
$40,000
$404.98
$424.26
$444.08
$464.38
$45,000
$455.60
$477.29
$499.59
$522.49
$50,000
$506.22
$530.33
$555.10
$580.54
$55,000
$556.84
$583.36
$610.61
$638.59
$57,500
$582.15
$609.87
$638.36
$667.62

*Estimated monthly repayment based upon a
10 year repayment period

Leaving school: graduating, withdrawing, or dropping below half-time

Once you are no longer enrolled at least half time in an eligible program, you’ll receive a 6-month grace period (see below) on your Federal Direct Subsidized and Unsubsidized Loans during which you are not required to make loan payments. You must begin repayment at the end of your grace period.

If you have an in-school deferment on a Federal Direct Subsidized or Unsubsidized Loan that entered repayment at an earlier date before you returned to school and you graduate, drop below half-time enrollment, or withdraw from school, you will be required to immediately begin making payments on the loan because the 6-month grace period has already been used up; there is no second grace period.

Make sure that DSU and the Federal Direct Loan Servicing Center know that you are no longer enrolled. If you don’t begin making payments when required, there is the possibility that you will lose repayment incentives you may have received or even go into default.

DSU is required to ensure that you complete Exit Counseling once you graduate or withdraw. You can complete your Federal Direct Exit Loan Counseling here. Until this requirement is completed, a hold will be placed on all student files restricting access to grade transcripts.

Grace periods

When you graduate, drop below half-time, or withdraw from your academic program, you will receive a six-month grace period for your Federal Direct Subsidized and Unsubsidized Loans. Your grace period begins the day after you stop attending school on at least a half-time basis. Once your grace period ends, you must begin repaying your loan(s).

If you re-enroll in school at least half time before the end of your 6-month grace period, you will receive the full 6-month grace period when you stop attending school or drop below half-time enrollment.

There is no grace period for Federal Direct PLUS Loans. The repayment period for each Federal Direct PLUS Loan you receive begins 60 days after your school makes the last disbursement of the loan.

Remember, if you choose to defer payment on a Federal Direct PLUS Loan, any interest that accumulates during the deferment period will be added to the unpaid principal amount of your loan. This is called “capitalization,” and it increases your debt because you’ll have to pay interest on this higher principal balance.

Reservists Called to Active Duty

If you are called or ordered to active duty for more than 30 days from a reserve component of the U.S. Armed Forces, the period of your active duty service and the time necessary for you to re-enroll in school after your active duty ends are not counted as part of your grace period. However, the total period that is excluded from your grace period may not exceed three years. If the call or order to active duty occurs while you are in school and requires you to drop below half-time enrollment, the start of your grace period will be delayed until after the end of the excluded period. If the call or order to active duty occurs during your grace period, you will receive a full 6-month grace period at the end of the excluded period.

If you are a reservist called to active duty with the U.S. Armed Forces for more than 30 days, contact the Federal Direct Loan Servicing Center to let them know your status.

Choosing a repayment plan

You will have the choice of several plans, and the Federal Direct Loan Servicing Center will notify you of the date your first payment is due. If you do not choose a repayment plan, the Department of Education will place you on the Standard Repayment Plan. Most Federal Direct Loan borrowers choose to stay with the Standard Repayment Plan, but there are other options for borrowers who may need more time to repay or who need to make lower payments at the beginning of the repayment period.

Consolidation

If you have multiple federal education loans, you can consolidate them into a single Federal Direct Consolidation Loan. This may simplify repayment if you are currently making separate loan payments to different loan holders, as you’ll only have one monthly payment to make. There may be tradeoffs, however, so you’ll want to learn about the advantages and possible disadvantages of consolidation before you consolidate. To learn more, visit our Federal Direct Consolidation Loan website.

While you’re in repayment

Generally, you’ll have from 10 years to repay your loan. You may request an extended repayment plan which would allow you to have up to 25 years to repay your loan, depending on which repayment plan (there are several) you choose.

The Federal Direct Loan Servicing Center will notify you of the date your first payment is due. If you do not choose a repayment plan, the Department of Education will place you on the Standard Repayment Plan, with fixed monthly payments for up to 10 years. Most Federal Direct Loan borrowers choose to stay with the Standard Repayment Plan, but there are other options for borrowers who may need more time to repay or who need to make lower payments at the beginning of the repayment period.

You can change repayment plans at any time by going to the Federal Direct Loan Servicing Center’s website and logging in to your account.

Automated payments (electronic debit)

When the Department of Education sends your first bill, they will tell you how to you can sign up for their electronic debit account (EDA) option and have your bank automatically make your monthly loan payments for you from your checking or savings account. You won’t have to write checks, use stamps, or worry if your payment will get to them by the due date. In addition, Federal Direct Loans offers a 0.25% reduction in the interest rate on your loans during any period when your payments are made through EDA.

Trouble making payments

If you’re having trouble making payments on your loans, contact the Federal Direct Loan Servicing Center as soon as possible. The Federal Direct Loan Servicing Center staff will work with you to determine the best option for you. Options include:

  • Changing repayment plans.
  • Deferment, if you meet certain requirements. A deferment allows you to temporarily stop making payments on your loan.
  • Forbearance, if you don’t meet the eligibility requirements for a deferment but are temporarily unable to make your loan payments. A forbearance allows you to temporarily stop making payments on your loan, temporarily make smaller payments, or extend the time for making payments. Read more about deferments and forbearance here.

If you stop making payments and don’t get a deferment or forbearance, your loan could go into default, which has serious consequences.

Your loan first becomes “delinquent” if your monthly payment is not received by the due date. If you fail to make a payment, the Department of Education will send you a reminder that your payment is late. If your account remains delinquent, the Department of Education sends you warning notices reminding you of your obligation to repay your loans and the consequences of default.

If you are delinquent on your loan payments, contact the Federal Direct Loan Servicing Center immediately to find out how to bring your account current. Late fees may be added, and your delinquency will be reported to one or more national consumer reporting agencies (credit bureaus), but this is much better than remaining delinquent on your payments and going into default.

Consequences of default

If you default:

  • The Department of Education will require you to immediately repay the entire unpaid amount of your loan.
  • The Department of Education may sue you, take all or part of your federal and state tax refunds and other federal or state payments, and/or garnish your wages so that your employer is required to send part of your salary to pay off your loan.
  • The Department of Education will require you to pay reasonable collection fees and costs, plus court costs and attorney fees.
  • You may be denied a professional license.
  • You will lose eligibility for other federal student aid and assistance under most federal benefit programs.
  • You will lose eligibility for loan deferments.
  • The Department of Education will report your default to national consumer reporting agencies (credit bureaus).

For more information and to learn what actions to take if you default on your loans, see the website for the Department’s Default Resolution Group.

Loan cancellation (forgiveness or discharge)

Under certain conditions, you can have all or part of your loan cancelled or discharged. Read more about loan cancellation.

What’s next?

Stay in touch with the Federal Direct Loan Servicing Center. Let them know if you’ve changed your name or permanent address, and make sure that they know when you’ve completed your educational program or transferred to another school.

Federal Work-Study

Dixie State University has limited funds for the following work-study programs. Please speak with a DSU Financial Aid Advisor for details and possible work-study job opportunities.

FEDERAL WORK-STUDY (FWS): these funds provide opportunities for students who can demonstrate need and want to work part-time. The total amount a student may earn is determined on the basis of need with a maximum annual limit, not to exceed 20 hours per week. Some Community Service jobs are available.

UTAH HIGHER EDUCATION STUDENT SUCCESS STIPPEND (UHESSS): these funds are for eligible Utah residents who can demonstrate need and are usually combined with other financial aid funds. The total amount a student may earn is determined on the basis of need with a maximum annual limit, not to exceed 20 hours per week.

Dixie State University Federal Work Study Program

Dixie State University is an Affirmative Action/Equal Opportunity/Equal Access Employer.

  • Federal Work-study funds are part of a student’s financial aid package and cannot be awarded unless they have submitted a FAFSA and have documented need.
  • Federal Work-study funds are awarded on a first-come, first-served basis.
  • Because of limited funds, you should apply for financial aid early if you wish to participate in the Federal work-study program.
  • A Federal work-study award generally allows you to work approximately 15-20 hours a week. The starting salary is $7.50 per hour
  • Federal Work-study usually only occurs during the Fall and Spring Semesters; there are generally no positions available during the Summer semester.

The Federal Work-Study Program is authorized and funded by the Federal Government. The UHESSS Work-Study Program is authorized and funded by the Utah State Legislature. Only the DSU Financial aid Office may award work study funds. Eligible students will receive their work-study award as part of their “total” financial aid award.

If work-study is not part of your financial aid award and you are interested in working on campus, please contact the DSU Work-study Advisor, Dexter Humphries, at (435) 652-7580 or dexter.humphreys@dixie.edu. If you did not receive a work-study offer, and you qualify, we will consider you for any positions still available beginning September 14, 2015.

I HAVE A WORK STUDY OFFER ON MY AWARD LETTER – WHAT DO I DO NEXT?

  • Accept your Work-study award and complete the Work-Study Application for Employment no later than July 13, 2015. Be sure to complete each item; especially a current phone number where you can be reached. Once you submit the application, it will be forwarded to the DSU Financial Aid Office.
  • View and Select the Work-Study Positions you are interested in applying for by reviewing the position listings. All available positions will be posted on July 15th of the current school year.
  • Once we receive your Work-Study Application, Selection of Positions, and you have a work-study award, we will forward your application material to the department(s) you have selected for their consideration. If you are selected by the department to be interviewed, you will be contacted by the department’s work-study supervisor who will set up an interview appointment.
  • A work-study award is not a guaranteed job. The responsibility of obtaining a job is up to you.
  • For additional information regarding Work-study (funding, notification of work awards, necessary information to complete before first day of work; pay periods, etc.), log on to The Employment Handbook.
  • No new work-study positions will be awarded after February 1st of each year. Exceptions to this can only be made by the Executive Director of Financial Aid & Scholarships.

Scholarships

Dixie State University scholarships are based on merit, academic performance, and/or talent. We have an excellent scholarship program. Academic scholarships are awarded upon admission to DSU. Detailed information on all our scholarships and our deadlines are available here.

Eligibility

Eligible Students

Only an “Eligible Student” may apply for and receive Federal financial aid. Federal regulations and institutional policy define an eligible student as one who:

  • Is a citizen, a national, or an eligible permanent resident non-citizen of the United States, and
  • Is admitted to Dixie State University with a high school diploma, or with a GED certificate, and
  • Has been accepted for enrollment or is enrolled in an eligible program, seeking a degree or certificate, and
  • Is in good standing at the Institution and maintaining satisfactory academic progress, and
  • Has completed the FAFSA and received a calculated Expected Family Contribution (EFC) number, and
  • Is not in default on any Federal Perkins, National Direct/Defense, Guaranteed, or Federal Family Education Loan, and does not owe a payment on any Federal grants previously received, and
  • Is registered with the Selective Service if a male at least 18 years old, and
  • For loans, you must be enrolled at least half time, and
  • Meets all other federally prescribed eligibility criteria.

Eligible Non-Citizen

Students who are in the United States on an F1 or F2 student visa, a B1 or B2 visitor visa, a J1 or J2 exchanges visitor visa, and other series visa are NOT eligible for Federal student aid. To be eligible for federal and most college financial aid, a student must be a U.S. citizen, national, or eligible permanent resident non-citizen. An eligible non-citizen is one who:

  • Is a conditional permanent resident (I-151C);
  1. Has an Arrival-Departure Record (I-94) from the U.S. Immigration and Naturalization Service showing any one of the following designations:Refugee
  2. Asylum Granted
  3. Cuban-Haitian Entrant
  4. Indefinite Parole
  • Is a citizen of the Freely Associated States–Republic of the Marshall Islands, Federated States of Micronesia, and the Republic of Palau (may receive only Federal Pell Grant, FSEOG and FWS); or provide acceptable documentation from DHS that he or she is in the U.S. for other than a temporary purpose with the intention of becoming a citizen or permanent resident.

Eligible non-citizens must clear the Department of Homeland Security/Social Security Number matching system or will be required to document their status with the Student Financial Aid Office. A copy of the documentation papers will be sent to the DHS for confirmation and clearance before the application for aid will be processed.

Students who fall under Deferred Action for Childhood Arrivals (DACA) DO NOT qualify for federal or state financial aid programs.

Budget & Cost Information

The following information is an explanation of the direct expenses you will have each semester. This information is to assist you in planning for the 2015-16 school year. These amounts may not accurately reflect the actual tuition and fees for all students:

Direct Costs: Direct costs include tuition and student fees. The charges that will be applied to the students account each semester are as follows:

* Resident Tuition

$1954
(full-time enrollment 12 - 20 credits)
* Base Student fees

$ 356

*TOTAL
$2310

* Non Resident Tuition

$6247
(full-time enrollment 12 - 20 credits)
* Base Student fees

$ 356

*TOTAL
$6603

Students who will be residing in the Dixie State University housing (Nisson Towers or Shiloh Hall) will also have direct room and board charges each semester. The charges that will be applied to the student's account are as follows:

* Cafeteria Plan
$1449
(Average yearly plan, cheaper plans are available)
* Shiloh Hall
* Chancellor Apts
* Nisson Towers
$1125
$1600
$895

Single, per semester (men only dorm)
Private,  $1300  Shared
Shared  ($1225 Private, women only)

*These charges are estimates only.

Indirect Costs: Indirect costs include off campus room and board, text books, supplies, transportation, and personal expenses for a semester. These items are not charged directly to the students account. The amounts will vary based upon the choices the students make such as; sharing their apartment or living on the own, living close to campus to reduce transportation costs, eating out or fixing meals at home. Each of these decisions will affect the overall cost of attending school,

The DSU Financial Aid Office estimates the “Cost of Attendance.” Because Congress feels student aid funds should not be used to pay living expenses for a spouse or dependents, nothing is included in the costs for other family members. Financial Aid is not meant to fund a lifestyle; it is to be used wisely to pay for your necessary expenses while you are attending school.

Things which are included in the cost of attendance:

  • Tuition & fees
  • Room & board
  • Text books & supplies
  • Transportation
  • Personal expenses
  • Allowance for child care (Additional documentation needed)
  • Expenses related to a personal or family handicap (Additional documentation needed)

Each student’s budget may vary depending on whether the student lives with parents/relatives and commutes (Commuter Budget) or live on your own (Resident Budget). These budgets are an average for all students and may not reflect the actual cost the student incurs. Many costs are based upon the student’s personal choice such as their housing and lifestyle. Dixie State University uses statistics from the U.S. Department of Labor to determine an adequate livable amount for our students. Reminder, Financial Aid is not meant to fund a lifestyle; it is to be used wisely to pay for your necessary expenses while you are attending school. Students should budget their financial aid funds to ensure they have sufficient funds to complete each semester they are enrolled.

The following budgets are bases upon full-time attendance for both Fall & Spring semesters for the 2015-2016 school year.

Resident Student Budget
Tuition & Fees
$4620
Books & Supplies  (estimated)
$900
Room & Board  (estimated)
$5615
Personal Expenses  (estimated)
$5048
Transportation  (estimated)
$2960
Total
$19143
Resident Commuter Student Budget
(student living with parents)
Tuition & Fees
$4620
Books & Supplies  (estimated)
$900
Room & Board  (estimated)
$2098
Personal Expenses  (estimated)
$3028
Transportation  (estimated)
$2960
Total
$13606
Non-resident Student Budget
Tuition & Fees
$1206
Books & Supplies  (estimated)
$900
Room & Board  (estimated)
$5615
Personal Expenses  (estimated)
$5048
Transportation  (estimated)
$2960
Total
$27729

Resources

Students and parents must first assume the responsibility to pay the costs of attending college. For that reason, students and parents are expected to contribute from savings and earnings. If you are an independent student, by the Department of Education standards, your parents are not expected to help with your college costs. Other resources include scholarships, G.I. Bill, tribal grants, etc.

In estimating how much of the educational costs you and your family are expected to pay, the following are some of the items which are taken into account:

  1. Annual adjusted gross income
  2. Non-taxable income and benefits
  3. Number of family members in the household
  4. Amount required for family members’ living costs
  5. Number of family members in college
  6. Assets

This information is reported on the FAFSA and the result is the expected family contribution (EFC).

Using the information submitted in your FAFSA, the Financial Aid Office will determine how much of the budgeted costs you should be able to meet from your personal and family income and resources. Students may appeal their cost of attendance allowance, but they must be prepared to document their additional educational expenses.

First time, full-time attending freshmen can use our Net Price Calculator to help estimate their price of attendance and estimate the amount of aid they may be eligible to receive.

Policies

Return of Title IV Aid

If you receive federal student aid and then withdraw, stop attending without an official withdrawal and receive all WF grades, or get expelled from school, you may owe money back to the federal student aid programs. The amount of repayment will be calculated by dividing the number of days you were enrolled by the number of days in the semester. The number of days enrolled will be determined by federal regulations beginning with the first day of scheduled instruction and ending on the students date of official withdrawal or last documented date of attendance. If we cannot determine that you began attending classes at DSU, all your financial aid for that semester will be cancelled. If you received a disbursement of federal money and did not attend any classes, all of the funds must be returned. You are not eligible for federal, state or institutional funds if you are not attending school.

As part of our federal regulations, once we calculate “return of funds,” you may be required to pay back part of the money you have received. DSU may also be required to return funds from the tuition, fees, and room and board that may have been paid with your federal funds. The amounts required to be paid back by the institution will be calculated and distributed to the federal accounts in the following order: Federal Direct Unsubsidized Loan, Federal Direct Subsidized Loan, Federal Direct PLUS Loan, Federal Perkins Loan, Federal PELL Grant and FSEOG. You may be billed back for the funds you owe the school, as we are required to pay back funds for you.

Any additional refund the school may owe you upon withdrawal will be used: first, to repay other agencies that paid money on your behalf, and second to pay the amount you may owe to the federal accounts and/or scholarship accounts. Any remaining balance will be yours. A full copy of the Federal Student Aid Return of Funds Policy is available from the Office of Financial Assistance.

Return of Federal Title IV Aid Examples:

Student A - Earned 56.3% of the money they received.
Title IV money - $1780.00, grants
Tuition & fees - $1389.00
Withdrew after 45 days
Institution refund - $0.00
Federal return of funds - $1018.00
Student repayment - $0.00
Student B - Earned 10% of the money they received.
Title IV money - $1700.00 grants & $1625.00 loans
Tuition & fees - $900.00
Withdrew after 8 days
Institutional refund - $900.00
Federal return of funds - $807.00
Student repayment - $0.00
Student C - Earned 100% of the money they received.
Title IV money - $2675.00, grants
Tuition & fees - $1524.00
Withdrew after 77 days
Institutional refund - $0.00
Federal return of funds - $0.00
Student repayment $0.00
Complete Withdrawal from Dixie State University

A student is registered until officially withdrawn through the Admission’s Office. Dropping all classes by phone does not officially withdraw you from the university. If you do not officially withdraw, you will receive F grades. If you wish to withdraw, you must do the following:

  1. Contact the DSU Records & Registration Office to complete a withdrawal form.
  2. Surrender student I.D. card.

Note: No withdrawals allowed after 12th week of classes. The date of withdrawal will be the date the Admission’s Office is contacted. A withdrawal does not affect GPA, but will affect percentage of credits attempted and earned in our Satisfactory Progress Policy.

Verification

Approximately one third of FAFSA applicants are selected by the Federal Processor to have their application information reviewed by the financial aid office. This process is called verification. The DSU Financial Aid Office is required to verify the accuracy of data in these selected files. There are three reasons for doing so: first, to reduce errors; second, to prevent mistakes that may result in either the student or the institution having to repay Federal or State funds; third, to ensure that the limited dollars available for financial aid are offered to students who are truly eligible for the aid. If selected, you will be required to provide to the Financial Aid Office the forms and documents needed to complete in the verification process. Errors cause considerable delay, so make sure to accurately report information when you complete your FAFSA.

DSU reserves the right to select any students FAFSA for verification even if the Federal Processor did not select them for verification.

Satisfactory Academic Progress

The maintenance of Satisfactory Academic Progress (SAP) is an eligibility criterion for all students who receive financial aid. SAP requires students to maintain satisfactory progress in their course of study (according to the standards and practices of the institution in which he or she is enrolled) in order to receive aid under the student financial assistance programs authorized by Title IV. Neither the Secretary of Education nor an institution has the authority to waive this requirement for any student or group of students.

In statute and regulation, Dixie State University is required to establish standards for measuring whether a student, who is otherwise eligible for Federal financial aid, is maintaining satisfactory academic progress. Particular elements, which in some cases include specific minimums that must be met or exceeded by the institution, are addressed in the regulations.

This procedure outlines the minimum standards that must be met by students receiving Federal, State or Institutional financial aid from Dixie State University.

Good Standing

To receive financial assistance a student is also required to be enrolled and in good standing. To be in good standing, a student must be eligible to continue attendance and must be in compliance with the accepted and/or approved enrollment and behavior standards and practices of Dixie State University and the Financial Aid & Scholarship Office.

Requirements for Satisfactory Academic Progress (SAP)

An eligible student, enrolled in an eligible program may receive aid for a maximum of 30 attempted credit hours of necessary remedial/developmental course work. The remedial/developmental credits are included in the respective maximum limit of attempted credit hours.

The federal financial aid regulations require that each school develop a Satisfactory Progress Policy to ensure that students receiving federal aid are making satisfactory progress in their education and progressing in a timely manner towards a degree. To remain eligible to continue to receive financial aid at Dixie State University, a student must maintain satisfactory academic progress.

In order to maintain satisfactory progress and retain full eligibility for financial assistance, a student must follow the requirements in areas of Grade Point Average, Completion of 67% of ALL Attempted Credits as Earned Credits and Maximum Allowable Credits (Time Frame) listed below:

Grade Point Average

In order to retain eligibility for federal financial aid, a student must maintain a cumulative grade point average of at least a 2.000 (C or better) each semester.

Completion of 67% of Attempted Credits as Earned Credits

As satisfactory progress is checked at the end of each semester, a student must have completed 67% of the total number of credits he/she has attempted. That is, if a student has attempted a total of 60 credits, the student must have completed or earned a minimum of 40 credits (60 x .67 = 40). Earned credits are those that are completed with a grade of D- or better. Earned credit does not include credits recorded as W, F, I, AU or WF.

Maximum Allowable Credits (Time Frame)

All students on federal financial aid must be admitted into an eligible program of study. A student is eligible to attempt a maximum of 150% of the allowable credit hours required to complete his/her program of study. Example: If an Associate of Science degree requires 60 credit hours to complete the program, a student is allowed 150% or 90 attempted credit hours in which to complete that program. This includes any credits in which the student was or was not paid federal student aid. Developmental and transfer credits are also included in the calculation.

If a student has completed less than the maximum number of allowable credit hours in the program of study, he/she may receive aid for one more term even if the total hours exceed the limit.

Attempted credit hours includes all hours the student has enrolled in — including all credits which receive a grade above a “D-“, F and WF grades, repeated classes, withdrawals, pass/fail classes, audited classes, CLEP credit, advanced placement credit, transfer credits, and classes from which the student has tested out.

New Applicants

Incoming students with no previous postsecondary experience are assumed to be making satisfactory academic progress at the time of application.

Continuing students, applying for the first time, must have maintained reasonable Satisfactory Academic Progress during previous terms of enrollment. The cumulative GPA must be at least 2.000 (C). All attempted credit hours will be counted toward maximum time frame.

As all transfer credits will be counted toward the maximum time frame, cumulative GPA and completion rate. Students transferring to DSU will have their SAP eligibility checked as transfer credits are received. Students who do no not meet the SAP terms will be placed directly onto Probation Warning status.

Special Considerations

  • Degree Audit: A student may request a Degree Audit if they have met the maximum credit hour limit or it has been determined that they will go over the limit before completing their degree. Once the evaluation has been completed by an academic counselor, any allowable credits will be added to the student’s record. This may allow students to receive financial aid during that time frame. Students are only eligible to submit one Degree Audit at the Bachelor Degree level. PLEASE NOTE: A student may only complete one degree audit at the bachelor degree level. Students will be required to sign an audit appeal. Once the appeal is signed, they are only eligible to take the courses listed on their appeal. The student cannot receive any W, F, AU, NG or WF grades. If they do, they will no longer be eligible for federal student aid at Dixie State University. If a student receives an “I” grade, their aid will be held until they receive and passing grade and the grade is posted in Banner.
  • Probation Warning: A student who fails to complete the required number of credit hours, or who fails to maintain a cumulative GPA of 2.000 (C) or higher or is nearing maximum allowed credits for the enrolled program of study will be placed on financial aid probation for the following academic semester in which the student is registered. A student is eligible to receive federal financial aid during the probation period.
  • Suspension: Students who fail to meet the cumulative GPA of 2.000 or higher and/or fail to meet the 67% credit hour completion rate and/or withdraw from a semester while receiving federal aid and/or receive a semester GPA of 0.000 will be placed on financial aid suspension. No additional financial assistance will be paid. Those who have reached the maximum number of credits for the program of study are also suspended from receiving financial aid. Any student suspended from financial aid has the right to appeal their standing.
  • Appeal: A student may appeal their suspended status. Appeal forms are located here. A decision of the appeal will be made by the Financial Aid Office. If the appeal is approved, the student must follow the guidelines of the appeal, which may require the student to ad hear to stricter GPA and/or credit hour completion requirements. If the appeal is denied, the student has the right to have their appeal reviewed by the Financial Aid Appeals Committee. Contact the Financial Aid Office if you would like to appeal to the committee.
  • Remedial/Development Classes: An eligible student, enrolled in an eligible program may receive aid for 30 attempted credit hours of necessary developmental/remedial course work. The developmental credits are added to the respective maximum limit of overall attempted credit hours.

The full Satisfactory Academic Progress policy is available at the Financial Aid & Scholarship Office upon request.

Professional Judgment

To determine your financial aid eligibility, the Federal processor uses your prior year’s income. For the majority of the financial aid applicants this is the case. However, there are special circumstances when the past year doesn’t reflect your financial ability to pay for college. Circumstances such as a loss of job, death in a family, parental divorce, or loss of untaxed income are situations where a student may need to request a Professional Judgment.

If you believe that your situation warrants consideration for a Professional Judgment, you must first complete the FAFSA. After your application is received, you can request a Professional Judgment. Print the “Appeal for Special Circumstances” form from our website. Once you have the required documentation, please bring these items to the DSU Financial Aid Office. You may want to meet with a Financial Aid Advisor to have your request reviewed. This will help to ensure all the required documents have been submitted.

If your request is approved, we will make the necessary corrections to your application. A “Professional Judgment” that is approved by our office is only valid at Dixie State University.

Information for Parents

Incoming students are automatically considered for an academic DSU scholarship as part of the admissions process. For a general overview of what other aid might be available to your student, please read about the various federal, state, and institutional programs found in this handbook. The following information may be of particular interest to parents:

Q. Why do I need to provide my financial information for my child to apply?

Federal financial aid is based on the premise that families hold the primary responsibility for paying for college. Federal law specifies who can be considered independent for the purposes of financial aid. If your son or daughter can truthfully answer yes (and can provide documentation to verify their answer) to any of the following questions, they will be considered independent and parental information is not required:

  • Were you born before January 1, 1992?
  • As of today, are you married?
  • At the beginning of the 2015-16 school year, will be working on a master’s or doctorate program (MA, MBA, MD, JD, PhD, EdD or graduate certificate)? Note: Dixie State University does not offer any of these types of degrees.
  • Are you currently serving on active duty in the U.S. Armed forces for purposes other than training?
  • Are you a veteran of the U.S. Armed Forces?
  • Do you have children who will receive more than half of their support from you between July 1, 2015 and June 30, 2016?
  • Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2016?
  • At any time since you turned 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
  • Are you or were you an emancipated minor as determined by a court in your state of legal residence?
  • Are you or were you in legal guardianship as determined by a court in your state of legal residence?
  • At any time on or after July 1, 2014, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2014, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2014, did the director of a runaway of homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?

If none of the above applies to you (the student), federal law requires you to supply your parent(s) financial information on the FAFSA application – even if you no longer live with your parent(s); and/or your parent(s) no longer claim you on their taxes; and/or you consider yourself financially independent.

We do not share financial information with anyone outside the financial aid office.

Q. Can I call you about my student’s financial aid?
Federal privacy law requires us to protect students’ information. Your student can give us permission to discuss their aid with you by submitting a signed FERPA form.

Q. How do I obtain a Federal Direct Parent Loan for Undergraduate Students (PLUS) loan?

All dependent students who apply for federal aid at Dixie State University will be offered a PLUS loan. If the parents decide to borrow the PLUS loan, they must complete the PLUS Loan Information Form.

Helpful Hints to a Successful Financial Aid Application

Apply early! In order to have your money by the first day of class you must submit a Free Application for Federal Student Aid (FAFSA) approximately 8 weeks prior to the beginning of the semester in which you would like to receive aid.

Make sure that you use the school code 003671 (Dixie State University) on the FAFSA.

The Free Application for Federal Student Aid (FAFSA) is only part of the required application materials. Verification worksheets, tax returns and other documentation may also be required.

Read all instructions carefully, especially anything you sign.

Make sure everything you submit to the Financial Aid and Scholarship Office has your name and Dixie student ID on it.

Double check your social security number on your FAFSA before you submit it. If it is wrong, you must start the application process over again.

Make sure the Dixie State University Records & Registration Office has your current address and phone number. Keep it updated.

Keep copies of everything you submit.

Check your D-mail account and financial aid requirements often. You can access these through MyDixie. This is how we communicate with you.

If you have any questions, PLEASE check with the DSU Financial Aid & Scholarships Office. We are here to help you through the financial aid & scholarship processes.

Frequently Asked Financial Aid Questions

Q. How will I get my aid money?
Financial Aid funds are automatically applied to your institutional charges. Any remaining balance is given to the student to use for their needed educational purposes. Your refund will be available by the first day of the semester or 3-5 days after your funds have been released, whichever is later. You must complete the “Authorization to Credit Accounts” form (only required once) before we can disburse your financial aid. Remember, you must be enrolled in at least six credits to receive any loan funds.

Q. You are requesting a copy of my federal tax transcript to complete verification of the FAFSA. What should I do?

You can contact the IRS to request a Tax Transcript or go back and correct your FAFSA and complete the IRS Data Match. If selected for verification, we will need this form unless you completed the IRS data match and did not change any of the income & tax information on your FAFSA.

Q. I just completed my FAFSA, when will I receive my money?

It generally takes three to six weeks to complete the full financial aid process. Check your MyDixie account to follow your FAFSA progress. If you are selected for verification, you will be required to submit additional documentation before we can complete your financial aid file. We send your award notification to your D-mail account. Please check this account frequently.

Q. Can I fill out the FAFSA without using my parent’s income information?

You are required to provide your parent’s income information until you meet the Department of Education’s criteria to become an independent student. You must be able to answer ‘Yes’ to one of the following items to be deemed independent from your parents:

  • 24 years of age (born before January 1, 1992 for the 2015-16 award year)
  • Married as of the date you first began to fill out the FAFSA
  • At the beginning of the 2015-16 school year, will be working on a master’s or doctorate program (MA, MBA, MD, JD, PhD, EdD or graduate certificate). Note: Dixie State University does not currently offer any of these types of degrees.
  • Have dependents other than your spouse
  • You are an Orphan or Ward of the Court
  • You are a Veteran of US Armed Forces
  • Do you have children who will receive more than half of their support from you between July 1, 2015 and June 30, 2016?
  • Do you have dependents (other than your children or spouse) who live with you and who receive more than half of their support from you, now and through June 30, 2016?
  • At the time you turned age 13, were both your parents deceased, were you in foster care or were you a dependent or ward of the court?
  • Are you or were you an emancipated minor as determined by a court in your state of legal residence?
  • Are you or were you in legal guardianship as determined by a court in your state of legal residence?
  • At any time on or after July 1, 2014, did your high school or school district homeless liaison determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2014, did the director of an emergency shelter or transitional housing program funded by the U.S. Department of Housing and Urban Development determine that you were an unaccompanied youth who was homeless?
  • At any time on or after July 1, 2014, did the director of a runaway of homeless youth basic center or transitional living program determine that you were an unaccompanied youth who was homeless or were self-supporting and at risk of being homeless?

Q. Why did my Federal Pell grant adjust?
Federal Pell grants pay according to your enrollment status. For example, a full-time student received the full amount and a half-time student receives half. Your Federal Pell grant is based on the credits that appear on your transcript, which are the classes you are enrolled in on the last day to add. Dropping below 12 credits will require immediate repayment of these grants.

Q. How do I sign a Master Promissory Note (MPN)?
Your MPN will be available for your electronic signature here. It will be available approximately 24-48 hours after you accept your Federal Direct Student Loans on the DSU website. Remember, if this is your first Federal Direct Student Loan at DSU, you must complete Entrance Loan Counseling . You need to complete Entrance Loan Counseling only once for you Federal Direct Student Loans at DSU. You will generally only need to sign the MPN once unless you defaulted on previous student loans or have declared bankruptcy after you signed your MPN. Make sure you keep your current mailing address updated with the U.S. Department of Education once you have signed your MPN.

Q. What if my financial aid is not available by the tuition payment deadline?
Remember, it takes approximately four to six weeks to fully process your financial aid. You are responsible for payment of your tuition, fees and all other debts at the time they are due. If you do not have the finances to pay your tuition, DSU works with an outside agency to provide a tuition loan. Please refer to the DSU Tuition Payment Plan .

Q. What is the difference between a Federal Direct subsidized and unsubsidized student loan?
A Federal Direct subsidized student loan is interest free while you are enrolled in school at least half time. You also have a six month grace period once you graduate or stop attending school, before you begin repaying the loan, note: interest will accrue during your grace period. The Federal Direct unsubsidized student loan begins to accrue interest at the time the loan is disbursed. Unless you make the quarterly interest payments, the interest will capitalize which will cause your loan payments to be larger once you begin to repay your loan. For more information, refer to the Federal Student Guide.

Q. I just got married. Can I change my application?
Yes, you are allowed to change your marital status from single to married. If have questions concerning this rule, please feel free to contact the DSU Financial Aid office. You will be required to submit some required documentation.

Q. What happens if I withdraw from school and financial aid has paid my tuition?
If you withdraw from Dixie State University before the semester begins and financial aid has not paid your tuition, no fund will transfer to your account. If you withdraw from school before or after school starts and financial aid has been posted to your account, the financial aid office is required to perform a Return to Title IV funds (See Policy section) calculation on your account. Once this calculation has been performed, you may owe money back to DSU. Remember, it is important that you must officially withdraw from your DSU courses. If you fail to officially withdraw, you will receive WF grades on your transcript.

Q. Can I get aid for summer semester?
Some students may be eligible to receive aid during the summer semester. Please contact the DSU Financial Aid office to enquire about your eligibility.

Q. Can I have my parents or spouse deal with your office on my behalf?
The law (FERPA) requires us to protect your information. If you would like us to speak about your aid to your parents, spouse, or anyone else, you can give them permission by submitting a Release of Student Information form. We can then release your information only to those individuals listed on the form.

Q. Who handles Federal Perkins loans?
Lisa Howard, lisa.howard@dixie.edu or (435) 652-7607. Please contact her to set up an appointment to complete loan counseling and to sign your promissory note. Her office is located on the first floor of the Holland Centennial Commons Building.

Student Online Budgeting Tools

Start budgeting – Mapping your Future

Save money – Mapping your Future

Use your credit cards wisely – Mapping your Future

Manage your student loan debt – Mapping your Future

More on Managing Your Money – Mapping your future

Budget Calculator – US Department of Education

What will my loan payments be? – Utah Higher Education Assistance Authority

Other Useful Financial Aid Sites and Tools

Financial Aid Calculators – (includes an EFC estimator, various financial aid calculators, and more)

NSLDS – National Student Loan Data System

StudentLoans.gov – Everything for federal student loans

UHEAA – information about Utah student financial aid programs

The U.S. Department of Education – includes the latest Student Guide, FAFSA on the Web, title IV codes and more

Mapping Your Future – information about choosing a career, paying for your education, and more

UtahFutures.org – Career, College, and Financial Aid Planning

Currency Convertor – xe.com

Student Right to Know