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Plan ahead to meet tuition deadlines.
It is your responsibility as a student to make the necessary arrangements to meet your tuition obligations by the stated deadlines. If you are an incoming student, your program start date can be delayed if you do not meet the 22nd deadline.
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The most important word here is "loan." If you accept federal financial
aid in the form of either a subsidized or unsubsidized Federal Direct Loan,
it is a loan. You will be required to repay this loan once you have completed your
degree program. Even if you withdraw from WGU, you will be required to pay back any loan funds you borrow. Before you apply for aid, consider how you plan
to repay the loans. Interest rates are currently modest, and repayment terms are reasonable. But you must be prepared to repay it whether you graduate or not.
Most WGU students qualify for at least one type of federal aid. To be eligible for
aid, you must be a U.S. citizen or eligible non-citizen with a valid Social Security
Number who possesses a high school diploma, GED, or its equivalent. You must be enrolled or enrolling in an eligible WGU degree program as a full-time student. If you are a
male, you must also be registered with the Selective Service. In addition, you must
not be in default on a previous student loan or owe an overpayment on a grant.
The amount of financial aid you are eligible to receive will be based on:
The determination of your eligibility for federal student aid (FSA) will be based on the cost of attendance. You are only allowed to borrow the annual limit up to the Cost of Attendance (minus other estimated financial assistance) based on your current grade level and dependency status at WGU. There are aggregate and lifetime eligibility limits set by the Department of Education.
Need-based aid (e.g., Federal Pell, Direct Subsidized Loan) is awarded based on your income. Expected Family Contribution (EFC) is the number that is used to determine your eligibility for a need-based aid. This number results from the financial information you provide in your FAFSA.
The following formula is used to calculate your financial need:
Financial Need = Cost of Attendance – Expected Family Contribution
Please see the Cost of Attendance page for more information
Your award letter states the loans and grants for which you are eligible. You should
receive this letter via email from the Financial Aid Office within 2 to 4 weeks
of completing the financial
aid application process. WGU is responsible for disbursing your aid. We
will "draw down" the available funds for tuition and fees within 4 to
6 weeks after you begin your program. Any excess funds are paid directly to you
for supplies, computer technology, and other expenses. If you do not have
enough financial aid funds to cover your tuition and fees, you will be notified
by the Bursar.
You may take a break or time off for one to three months at the end of any six-month term by submitting a Term Break request. We strongly encourage you to work with your lenders and servicers if you decide to take a term break to ensure that your loan payment status remains in the good category. If you return following a three-month break or re-enroll within 6 months following a withdrawal, you will not use your one-time six-month grace period.
When you cease to be enrolled at WGU and you are not attending another eligible institution, a six-month grace period begins. WGU will notify your lenders that you are no longer in active status. The repayment period begins and interest (for a Direct Subsidized loan) begins to accrue the day after the six-month grace period ends.
Note: The Department of Education does not subsidize the interest accrued during the grace period on a Direct Subsidized Loan for which the first disbursement was made on or after July 1, 2012 and before July 1, 2014.
An independent student is one of the following: at least 24 years old, married, a graduate or professional student, a veteran, a member of the armed forces, an orphan, a ward of the court, someone with legal dependents other than a spouse, an emancipated minor, or someone who is homeless or at risk of becoming homeless. Independent students use their own financial information on the FAFSA.
A dependent student is one who does not meet any of the criteria for an independent student and is required to use parental information on the FAFSA.
There is a possibility that you may be able to appeal your award if you have special
circumstances. Appeals for special circumstances are reviewed by a counselor. All appeals must be fully documented in order to meet federal audit
requirements. Approval may mean a change in the type of funds awarded and not an
increase in aid. This process can be lengthy and may require several pieces of documentation from you. For more information, contact the Financial Aid Office via email
Satisfactory academic progress is a federal government requirement. In order to
remain eligible for financial aid, you must be progressing toward your degree at
a reasonable rate. At WGU, your progress will be monitored by your mentor, who will
make sure you are completing WGU competency units on time and are otherwise moving
through your WGU Degree Plan appropriately. Your mentor will conduct a
satisfactory academic progress review every six months, in addition to normal advising
and monitoring. Please review the Satisfactory Academic Progress Policy.
When you withdraw from WGU or drop below full-time status, you may be required to repay part of the financial aid funds received. See the
Return of Title IV Funds policy for more information. If you have a federal student loan and you cease to be enrolled at WGU, a six-month grace period begins. WGU will notify your lenders that you are no longer in “active” status. The repayment period begins and interest (for a Direct Subsidized loan) begins to accrue the day after the six-month grace period ends. Remember, if you receive a Direct Unsubsidized loan, you will be charged interest during the grace period.
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