2015-2016 Undergraduate & Graduate Catalog

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Costs and Financial Aid

Tuition is based on the classification of the student and the course: undergraduate or graduate, lower or upper division, resident or nonresident of Michigan.

Tuition rates and fees are set by the Board of Trustees. The rates listed here are for the 2015-2016 academic year. Additional tuition may be added for students taking classes that require special equipment, consumable supplies, or extraordinary overhead. For more information about special course charges, go to www.gvsu.edu/tuitionExt.htm/.

Tuition for lower division (0-54 credits) undergraduate students who are Michigan residents taking anywhere from 12 to 15 credit hours is the same, a total of $5,539 per semester. Tuition is $462 per credit hour for fewer than 12 credits and for each credit over 15. Tuition for upper division (55 or more credits) undergraduate students who are Michigan residents taking anywhere from 12 to 15 credit hours is the same, a total of $5,824 per semester. Tuition is $486 per credit hour for fewer than 12 credits and for each credit over 15. Tuition for masters resident students ranges from $580-$634 per credit hour depending on program, see gvsu.edu/financialaid/coa/. Tuition for doctoral students is $712 per credit hour.)

For lower division (0-54 credits) nonresident undergraduate students, tuition is $7,872 total per semester for anywhere from 12 to 15 credits and $656 per credit for fewer than 12 credits and for each credit over 15. For upper division (55 or more credits) nonresident undergraduate students, tuition is $8,172 total per semester for anywhere from 12 to 15 credits and $681 per credit for fewer than 12 credits and for each credit over 15. Nonresident masters tuition ranges from $770-824 per credit hour depending on program, see gvsu.edu/financialaid/coa/. Nonresident tuition for doctoral students is $933 per credit hour. )

The previously listed tuition rates apply to all students registering for credit courses, including guests, visitors, and all categories of students who are not pursuing a degree at Grand Valley State University. Rates for noncredit courses in special programs apart from the regular university curriculum are published with the announcements of such programs.

Rates of tuition and fees are those in effect at the time of publication of the Grand Valley State University Undergraduate and Graduate Catalog. They are subject to change at any time by Grand Valley's Board of Trustees.

Parking

Students wishing to park on either the Allendale or Robert C. Pew Grand Rapids Campus must purchase a parking permit. Permits can be ordered electronically at www.gvsu.edu/publicsafety/. The permit costs $180/semester for full-time students and $93/semester for part-time students. A student is considered part-time if they are taking 6 or fewer credits each semester. The permit costs will be charged to their student account and billed on their regular tuition bill.

Residency

Because students normally come to Grand Valley State University for the primary or sole purpose of attending the institution, rather than establishing a domicile in Michigan, those who enroll as nonresident students will continue to be classified as such throughout their attendance unless they demonstrate that they have permanently abandoned their previous home and permanently established Michigan residency. See Michigan Residence Requirements for Grand Valley's policy for determining residency.

Fees

Late registration (allowed only in the first five days of the semester) requires a $50 late fee. Fees for resident and nonresident are the same.

Schedule revision, or drop/add, is held concurrently with all registrations. A student may drop or add any course for which prerequisites have been met and capacity permits. Additional tuition charges are due when a student adds a credit. Under exceptional circumstances a student may be allowed to add a course after the deadline. The completed transaction, accompanied by support from the instructor, department chair, and collegial dean, must include a $25 late add fee and any additional tuition. Specific dates and times for all registrations are set by the registrar and listed in the schedule of courses. For more information on financial regulations regarding late registration and dropping or withdrawing from classes, click on the Policies section on the Financial Aid website.

Tuition and Fees Refund Policy

Students who reduce their number of credit hours or withdraw from Grand Valley may be eligible, upon application to the Office of the Registrar, to receive a refund of tuition. The amount of refund will be based on the following schedule:

1. Students withdrawing before the start of the semester and during the first week of classes are eligible for a full (100 percent) refund of the applicable credit hours assessed. All financial aid awarded to the student will be reduced based on the required Federal Return to Title IV (R2T4) calculation. Students should expect to have a portion of their financial aid returned. (See Financial Aid and Complete Enrollment Withdrawal section.)

2. Students withdrawing during the second week of classes in a shortened session (spring or summer) and in the second, third, and fourth weeks of classes in a full session are eligible for a 75 percent tuition refund of the applicable credit hours assessed.

3. Students withdrawing after the second week of classes in a shortened session (spring or summer) and the fourth week of classes in a full session are not eligible for a tuition refund.

4. Students who withdraw completely and are eligible for a 100 percent refund of tuition will be eligible for a full refund of their assessed credit hours and other mandatory fees. Students withdrawing completely during the 75 percent refund period will be eligible for a 75 percent refund of their assessed credit hours and other mandatory fees. There will be no refund of these fees after the last date for a 75 percent refund as stated in the Annual Class Schedule online.

Students who have financial aid should talk to the Financial Aid Office before dropping/withdrawing from classes to understand how their aid will be affected.

A specific schedule of refunds, with qualifying dates, is published each semester in Grand Valley's official Annual Class Schedule.

The refund is based on the date of receipt of the completed class drop or withdrawal form in the Office of the Registrar. If a course does not begin during the first week of the start of the semester, refunds will be based on the date of the first class meeting.

When Grand Valley State University cancels a course or when it is determined that a student has registered for a course he or she was not eligible to take, a full refund will be made regardless of the date.

In cases in which financial aid was used to pay for all or part of tuition, the refund will be used to repay the sponsor first and then the student, when appropriate. Refer to the Repayment of Unearned Federal Student Aid section of this catalog for details of this procedure.

Tuition Refund Appeals

Student applications for refund of tuition are reviewed weekly by the Tuition Refund Appeals Committee. The applicant is notified in writing following the meeting. Approved refunds will follow the normal refund process returning federal and institutional funds as dictated by policy.

Financial Aid and Complete Enrollment Withdrawal from University/Repayment of Unearned Federal Student Aid

Federal regulations require that the recipients of federal grants and loans who completely withdraw from an institution during an enrollment period must repay any unearned portion of the loan or grant funds that were or could have been disbursed for that enrollment period. The statute makes clear that federal funds are awarded to a student under the assumption that the student will attend for the entire period for which the assistance is awarded. When a student ceases academic attendance before the end of that period, the student has not earned all of the federal financial aid and therefore may not be eligible for the full amount of the federal funds awarded. The amount of federal funds earned by the student is determined by multiplying the percentage of the enrollment period completed by the total amount of federal loans and grants disbursed. If a student completely withdraws before 60 percent of the semester is completed, the student may be required to repay a portion of the federal financial aid. If the percentage of the enrollment period completed is more than 60 percent, the student has earned 100 percent of the aid. Students who completely withdraw will be billed for any institutional charges that remain as well as the amount of the unearned federal student aid that has been given to them.

Students who withdrawal during the 100 percent refund period will be required to repay funds previously advanced to them. These students will be billed. Failure to provide repayment will result in a hold being placed on both the student's transcript and registration and ineligibility for further financial aid funding until such funds are repaid.

Students who stop attending but do not officially go through withdrawal procedures are considered to have unofficially withdrawn. In cases of unofficial withdrawals, the last recorded day of known academic activity will be used as the date of withdrawal.

Receiving Financial Aid for Repeated Courses

The Financial Aid Office is required to monitor and adjust a student's enrollment level for federal student aid if, or when, they repeat coursework for credit that they have already earned. Students can retake courses and receive federal aid if they had previously failed a course, but can only receive financial aid twice for a course that has been previously passed. A passing grade is defined as D- or better. Please note that the repeat course policy for financial aid is separate from institutional academic polices regarding repeat courses.

The policy allows a student to receive financial aid in the following situations:

• To repeat any failed course until a passing grade is received.
• To repeat one time any course in which a passing grade was previously received.

Please note: A student may not receive financial aid for a course in which he/she has already earned a passing grade and attempted a second time, regardless of the outcome of the second attempt.

Financial Aid for Students

At Grand Valley State University in 2013-2014, 94 percent of dependent full-time students received some type of financial aid. Financial aid includes grants, scholarships, loans, and work study. The average award is approximately $13,276.

Even though Grand Valley believes that the responsibility for financing a college education rests with students and their families, large amounts of aid are available. A student who receives a scholarship or grant may need to be willing to borrow and work to cover the remainder of his or her educational costs. In fact, because no one program can cover all college expenses, aid programs are usually combined in "packages" suited to the student's needs. This means that students receive aid in a variety of forms. Rarely would a student receive all one type of aid - for example, a grant - but may receive a mixture of grant, scholarship, student employment, and loan.

To be considered for aid, a student must be admitted as a degree-seeking student. The financial aid a student receives is based on his or her enrollment status each semester. Financial aid awards will be adjusted based on the number of enrolled credits. The majority of financial aid programs require at least half-time enrollment (6 credits a semester for undergraduate students and 4.5 credits a semester for graduate students).

The graduation rate, as defined in the federal IPEDS Graduation Rate Survey, for students entering Grand Valley State University as new full-time, degree-seeking freshmen during the fall of 2008 was 65 percent. The cohort includes students who may have stopped, dropped out, reduced loads to become part-time students, or transferred to other institutions. The students in this cohort who remained at Grand Valley as full-time students for the first four complete academic years had a graduation rate of 93 percent.

To maintain and renew aid, students must make satisfactory academic progress. For most federal and state aid, need must be demonstrated by submitting a Free Application for Federal Student Aid (FAFSA). Students are encouraged to visit www.fafsa.gov to file the FAFSA online. Contact the Financial Aid Office if you need assistance in obtaining or completing this form.

Application Procedure

All financial aid is awarded for the academic year beginning with the fall semester. Students must reapply for financial aid every year.

We encourage students to file the FAFSA for the following academic year by the Grand Valley State University priority deadline of March 1. Students who file after March 1 may not receive full grant funds (see application dates in the next section). An individual must be a degree-seeking student to be eligible to receive financial assistance. Most aid is awarded to students attending at least half-time (six or more credit hours for undergraduate students), although students attending less than half-time may be considered for the Federal Pell Grant program. Continuing education students (part-time, nondegree-seeking students) are not eligible for federal financial aid; however, they may apply for and receive some types of alternative loan programs. These students, and all others, can also utilize the Grand Valley State University tuition payment plan offered by the Student Accounts office. For additional information on alternative loan programs, contact the Financial Aid Office. Financial aid for international students is limited based on federal guidelines.

Additional aid may be awarded for the spring/summer session depending on the availability of funds. If you are seeking a spring/summer award, you must complete the spring/summer application, which is available on the Financial Aid Office website each February, www.gvsu.edu/financialaid/.

If you wish to be considered for financial aid, please refer to the deadline dates listed below and follow the four basic steps outlined here.

1. If you are a new student, you must submit application forms for admission to Grand Valley. It is recommended that you apply for admission by December 31 for the fall semester.

2. A Free Application for Federal Student Aid (FAFSA) form must be completed by you and/or your parents and/or your spouse. Applying online at www.fafsa.gov is the fastest and most accurate means of filing. You should list Grand Valley State University among your choice of schools. Our federal school code is 002268. The Free Application for Federal Student Aid (FAFSA) is the only application for aid Grand Valley requires.

3. In some cases you or your parent may be required to submit additional information to the Financial Aid Office to
verify the accuracy of your financial aid application. The Financial Aid Office may request additional information if,
upon reviewing data you have presented, we believe further clarification of your financial situation is needed. Such
additional information may include information about your household size, assets, or income.

4. Award notifications for new students will be mailed to your permanent address beginning mid-March. Returning students will receive their award notification in June through myBanner.

Application Dates to Remember

If a student plans to enroll for fall semester, the following dates are important:

December 31: Incoming freshman applicants must submit a completed admission application by this date to be considered for the major scholarship programs offered by Grand Valley.

January 1 to March 1: All students who want to receive financial aid must submit the Free Application for Federal Student Aid (FAFSA) and list Grand Valley as a college choice. Our federal school code is 002268.

March 1: Incoming community college transfer applicants must submit a completed admission application by this date to be considered for the major scholarship programs offered by Grand Valley.

Mid-March: Entering freshman and transfer students receive notification of their financial aid award.

Early June: Returning upperclass and graduate students receive notification of their financial aid award through myBanner.

If a student plans to enroll beginning with winter semester, the following dates are important:

October 1: Entering freshman, graduate, transfer, renewal aid applicants, and upperclass students: submit the Free Application for Federal Student Aid (FAFSA). List Grand Valley as a college choice. Our federal school code is 002268.

November 1: Students receive notification of their financial aid award.
If a student plans to enroll beginning with the spring/summer session, the following dates are important:

Mid-March: All students interested in receiving aid for the spring/summer must also file the Spring/Summer Supplemental Financial Aid form. This form is available online at www.gvsu.edu/financialaid/.

April 1: Students receive notification of their financial aid award.

Cost of Attendance and Student Budgets

Before applying for financial aid, students and parents should assess all of the costs associated with attending Grand Valley. The following tables estimate the typical nine-month (two-semester) academic year expenses for single residents (living anywhere on or off campus except with parents or relatives) and commuting undergraduate students (living with parents or relatives). Some of the expenses below are discretionary (personal and miscellaneous, transportation, books, and supplies), therefore an average is used to determine the costs associated for such expenses. For more information regarding costs for graduate and doctoral level students, please visit www.gvsu.edu/financialaid/budgets/.

Residential Students(	Freshman	Upperclass
Tuition and fees* (Michigan resident)(	$ 11,360	$ 11,360
Books and supplies(	$ 700(	$ 700(
Personal and miscellaneous(	$ 470	$ 470(
Room and board*(	$ 8,774	$ 6,400
Transportation(	$1,320(	$1,320(
Total	$22,774	$20,300

Commuting Students (

Tuition and fees* (	$11,360
Books and supplies(	$ 700(
Living expenses	$ 1,200(
Transportation/Personal(	$ 1,320
Total(	$15,100
Out-of-State Students	Freshman	Upperclass
Tuition and fees* (Non-Michigan resident)(	$16,168	$16,168
Books and supplies(	$ 700(	$ 700(
Personal and miscellaneous(	$ 470	$ 470
Room and board*(	$ 8,874	$6,400
Transportation(	$ 1,320(	$ 1,320(
Total	$27,582	$25,108

*Estimated tuition and fees and room and board charges. Actual charges are determined by the Grand Valley State University Board of Trustees. The rates listed here may change for the 2015-2016 academic year.

Financial Aid for Study Abroad

Financial aid is available to assist in financing the cost of approved study abroad programs. Students may receive assistance for Grand Valley summer programs, as well as full year and one-semester programs through exchanges and other individualized programs.

Students participating in study abroad programs receive financial aid in the amount they normally would receive if remaining on campus; however, students are generally able to borrow loan funds to cover the additional costs. Limited scholarships and grants are available for some study abroad programs. Meeting with a financial aid counselor is highly encouraged. This helps facilitate discussions to ensure your study abroad is fully covered.

Students interested in a study abroad experience must contact the Padnos International Center regarding available program options and are encouraged to apply early for financial aid.

Financial Aid Programs

At Grand Valley, financial aid includes scholarships, grants, loans, and student employment. This aid is usually combined in a "package" to offer the student flexibility in meeting their educational costs. This includes a combination of the various types of aid - loans, jobs, scholarships, and grants - put together for an award rather than just one of these sources. If you wish to apply for or renew financial assistance, you should review the following information on the types of available financial aid.

1. Programs not based on need. Each program requires different application procedures. Eligibility is determined jointly by the Financial Aid Office and the agency or department funding the program.

2. Programs based on need. These require students to complete the Free Application for Federal Student Aid (FAFSA). Eligibility is determined by the Financial Aid Office.

3. Special programs. These require students to apply directly to the agency or department responsible for determining eligibility and funding.

Programs Not Based on Need

Grand Finish

The less time you spend in college, the less money you'll spend on your degree. Grand Valley's Grand Finish grant will help you achieve that goal.

Every new, full-time student can take advantage of the Grand Finish grant. Complete 90 credit hours within three years of enrollment and we'll pay you $1,000 over the next two semesters of study. If you transfer to Grand Valley, you're eligible for a $500 grant once you've earned 90 credit hours, with an average of 30 credit hours per year at Grand Valley in the year(s) following your transfer.

Dual enrollment and advanced placement credits earned prior to your first semester at Grand Valley count toward the 90-hour requirement, speeding your time to graduation.

Scholarships

Scholarship eligibility criteria indicated below are for students entering in the 2015-2016 academic year as freshman or transfer. Scholarship information for the future academic years may be found on our scholarship webpages at www.gvsu.edu/scholarships/. Grand Valley offers a merit-based scholarship program. We determine initial eligibility for these scholarships at the time of admission, although final award decisions and the amount of some scholarships are made by the scholarship committee after the student has completed all required application materials. To be considered for the incoming freshman and incoming transfer scholarships, the Admissions Office must receive the students completed admissions application and all supporting documents by December 31 for fall admission for incoming freshman and by March 1 for fall admission for incoming transfer scholarships.

Complete applications consist of an application for admission, official transcripts, results of the ACT or SAT test, and a $30 application fee. The merit-based scholarships are described below.

1. Awards of Distinction. This group of scholarships includes Grand Valley's highest merit-based scholarships, ones that many students aspire to receive. They generally require high academic achievement and top scores on the ACT or SAT. Additional amounts of up to $2,000 are awarded to students who are National Merit Finalists.

a. Presidential Scholarships. To be considered for a Presidential Scholarship you must have a 3.80 high school grade point average, a minimum 32 composite ACT for Michigan residents or SAT of 1420 for nonresidents based on the critical reading and math combined scores, and attend a scholarship competition. Awards range from $4,000-$7,000. Awards are made up to $6,000-$9,000 in combination with the Award for Excellence. Grand Valley must be the first institution you attend after graduation from high school. This award is renewable for three consecutive additional years (eight total semesters) provided you continue to maintain a 3.5 or better grade point average and meet the Financial Aid Satisfactory Academic Progress
Standards.

b. Faculty Scholarships. To be considered for a Faculty Scholarship, you must have a 3.60 high school grade point average, a minimum 30 composite ACT for Michigan residents or SAT of 1340 for nonresidents based on the critical reading and math combined scores, and attend a scholarship competition. Awards range from $1,000-$3,000. Awards are made up to $3,000-$5,000 in combination with the Award for Excellence. Grand Valley must be the first institution you attend after graduating from high school. This award is renewable for three consecutive additional years (eight total semesters) provided you maintain a 3.5 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

2. Awards for Excellence.

a. Awards for Excellence Scholarship. This scholarship provides awards of $2,000. You must be a graduate of a high school in Michigan and Grand Valley must be the first college you attend after graduation. All admitted freshman students will be considered for this scholarship. Students who receive this award have a grade point average of 3.5 or better and a minimum ACT composite score of 26. This scholarship is renewable for three consecutive additional years (eight semesters total) provided you maintain a 3.25 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

b. Out-of-State Awards for Excellence. This scholarship provides awards up to an amount equal to the differential between non-Michigan and Michigan resident tuition plus $2,000. Grand Valley must be the first college you attend after high school graduation. All admitted freshman students will be considered for this scholarship. Students who receive this award have a grade point average of 3.5 or better and minimum ACT composite scores of 26 or SAT scores of 1190, based on the critical reading and math combined scores.

This scholarship is renewable for three additional consecutive years (eight semesters total) provided you maintain a 3.25 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

c. Awards for Excellence Transfer Scholarship. This scholarship provides awards of $2,000. You must have only attended an accredited community college in Michigan and completed 30 college credit hours at the time of application review. All admitted transfer students with a completed admission application by March 1 will be considered for this scholarship. Students who receive this scholarship have at least a cumulative collegiate 3.5 grade point average.

This scholarship is renewable for one additional consecutive year (four semesters total) provided you maintain a 3.25 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

3. Laker Scholarship. This scholarship provides awards of $1,000. Students who receive this award have a grade
point average of 3.5 or better and ACT scores of 23, 24, or 25 for Michigan residents or SAT scores between 1070
and 1150, based on the critical reading and math combined scores. The scholarship is renewable for three additional consecutive years (eight semesters total) provided you maintain a 2.85 grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

4. Early Awareness Scholarship. Recipients of this $3,000 scholarship will have at least two years of participation in one of the following programs: The Detroit Compact, Wade H. McCree, Jr. Incentive Scholarship, Introspect Youth Services, Inc., Ada S. McKinley Community Services, Inc., TRiO Upward Bound, TRiO Talent Search, or GEAR UP while in high school. Additionally, students must have a 3.30 cumulative high school grade point average and a 21 ACT composite score. Nonresidents of Michigan may also qualify with a 990 on the SAT on the critical math and combined science score. Students must have a completed admission application submitted by December 31 for the following fall semester. This scholarship cannot be combined with the Urban Schools Scholarship or a Native American Grant. This scholarship is renewable for three consecutive years (eight consecutive semesters) provided the student maintains full-time attendance and a 2.50 cumulative grade point average and meets the Financial Aid Satisfactory Academic Progress Standards.

Transfer students who have participated in one of the programs listed above for two years can also receive this scholarship if they have a 3.0 cumulative community college grade point average and 45 college credits earned. They must have a completed admission application by March 1 and transfer directly from the community college. Transfers can renew for one additional consecutive year (up to a total of two years) provided they maintain a 2.50 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

5. Urban Schools Scholarship. This $3,000 scholarship is specifically for students graduating from the following high schools: Michigan high schools: Grand Rapids Public Schools, Detroit Public Schools, Arthur Hill, Detroit High School of Fine and Performing Arts, Detroit University Prep Academy, John Pershing, JW Sexton, Northwestern, Pontiac Central, Pontiac Northern, Southfield Lathrup, Southfield Senior High, University Prep Science and Math High School, and Western International. Non-Michigan high schools include: Chicago High School Agricultural, Curie, Gwendolyn Brooks, Hillcrest, Hyde Park Academy, John Hope College Preparatory, Jones College Prep, Kenwood Academy, Lane Tech, Morgan Park, Percy Julian, Proviso East, Proviso West, Thornridge, Thornwood, and Whitney Young. In addition to graduating from one of the above high schools, students must also meet minimum grade point average and standardized test scores. Michigan residents must have a 3.30 cumulative grade point average and a 21 ACT composite score. Nonresidents of Michigan must also have a 3.30 cumulative grade point average and score a 990 on the SAT based on the critical math and science combined scores or have a 21 ACT composite score. Students must have a complete admission application submitted by December 31 for the following fall semester to qualify for this scholarship. This scholarship cannot be combined with the Early Awareness Scholarship or a Native American Tuition Grant. Students must be enrolled full time, achieve a minimum 2.50 cumulative grade point average, and meet the Financial Aid Satisfactory Academic Progress Standards. This scholarship is renewable for three successive years (eight semesters).

Transfer students who graduated from one of the high schools listed above can also receive this scholarship if they have a 3.00 cumulative community college grade point average and 45 college credits earned. They must have a completed admission application by March 1 and transfer directly from the community college. Transfers can renew for one additional consecutive year (up to a total of two years) provided they maintain a 2.50 or better grade point average and meet the Financial Aid Satisfactory Academic Progress Standards.

6. Community College Distinguished Graduate Scholarships. Grand Valley provides two $1,000 Community College Distinguished Graduate Scholarships to all Michigan community colleges. The respective community colleges select the recipients. Students must have a 3.50 cumulative grade point average, be completing the associate's degree, matriculate directly to Grand Valley, and apply for admission by March 1. To be renewed for one additional consecutive year, students must have a 3.25 cumulative grade point average and meet the Financial Aid Satisfactory Academic Progress Standards. The scholarship will take the place of any other merit scholarships awarded by Grand Valley.

7. Phi Theta Kappa (PTK) Scholarships. New entering transfer students who are members of the PTK Honor Society at Michigan community colleges are eligible to apply for this scholarship. Applicants must possess a 3.50 cumulative grade point average, be a member of the PTK Fraternity, be admitted to Grand Valley, and enroll as a full-time student. Applicants must apply for admission by March 1. Scholarship applications are submitted through the online scholarship portal called myScholarships (www.gvsu.edu/myscholarships). Applicants include a letter of application indicating their educational and career goals, a letter of recommendation from their PTK chapter advisor, and a resume. The scholarship is renewable for one additional consecutive year provided the student maintains a 3.50 cumulative grade point average and meets the Financial Aid Satisfactory Academic Progress Standards.

The previously listed scholarships are only for use in fall and winter semesters. The Financial Aid Office will review each scholarship recipient at the end of winter semester for renewal for the next academic year. If a student fails to meet the renewal requirements, the scholarship will be canceled for the following academic year. A student can petition for reinstatement once they again meet the minimum requirements. The appeal for reinstatement form is available online at the Financial Aid Office website (www.gvsu.edu/financialaid).

8. Robert C. Trotter Tri-County Scholarships. Each high school in the counties of Kent, Muskegon, and Ottawa are allotted two $500 scholarships to Grand Valley to award to students of their own choosing. Students must have a 3.2 cumulative grade point average, a minimum ACT composite score of 22, and not be the recipient of other merit scholarships* offered by Grand Valley. Entering freshmen wishing to be considered should contact the counseling office in their high school. Complete admissions application must be submitted by December 31 for fall admission.

9. Alumni Heritage Scholarship. This is an $800 scholarship awarded to a child of a Grand Valley alumni. One or both parents must have graduated from GVSU with a bachelor or master's degree. Students who have step-parents or grandparents who are alumni are not eligible. Must be entering as a freshman with GVSU being the first college or university attended after high school, have a 3.3 high school grade point average, full time enrollment and must not be the recipient of merit scholarships* offered by Grand Valley. A formal application is not required. To be considered for an award, students must indicate their parent's alumni status on their admissions application. Complete admissions application must be submitted by December 31 for fall admission.

*Merit Scholarships offered by GVSU are classified as the Laker, Award for Excellence, Faculty and Presidential Scholarships.

10. Upperclass Honor Scholarships. A limited number of scholarships up to $1,000 are awarded annually to upperclass students not receiving scholarships from other sources. Students must be full-time undergraduates, have a 3.50 cumulative grade point average, and have completed at least 40 semester hours at Grand Valley, or if a transfer student, must have completed at least 15 hours at Grand Valley. Students are supported by academic departments and are requested to submit applications and personal essays. Selection of upperclass honor award recipients are made by the Grand Valley Scholarship Committee. These scholarships may be renewed for one consecutive year for students who enroll full-time, maintain a 3.25 grade point average, and meet the Financial Aid Satisfactory Academic Progress Standards. Students must apply by the March 1 deadline through the myScholarships online application database (www.gvsu.edu/myscholarships).

11. Athletic Scholarships. Scholarships are given to students participating in varsity sports. Awards are determined by the coaches. Athletic scholarships are awarded in all men's and women's varsity sports. Men: baseball, basketball, cross-country, football, golf, swimming and diving, track, and tennis. Women: basketball, cross-country, golf, lacrosse, softball, soccer, swimming and diving, tennis, track, and volleyball. If you think you would be eligible for athletic aid assistance, you should contact the appropriate Grand Valley coach for more information.

12. Music and Dance Scholarships. Talent awards are available to outstanding instrumentalists, pianists, singers, and dancers attending Grand Valley State University and participating in various performance groups, regardless of financial need or academic major. Contact the chair of the music department for more information.

13. Fine Arts Scholarships. These scholarships are for students majoring in the fine arts program at Grand Valley. Information and application forms for these scholarships are available from the departmental offices. Selection of scholarship winners is made by a committee of fine arts faculty members.

14. Other Grand Valley State University Scholarship Programs. Grand Valley State University offers an ever-increasing number of endowed, departmental, and annually funded scholarships. Please refer to our scholarship website at www.gvsu.edu/scholarships for more information or to apply through myScholarships, our online application database. Following is a list of GVSU scholarship programs currently awarded to students attending Grand Valley.

A Grand Day at a Time Scholarship

A. Scott and Ruth Koeze Graduate Business Scholarship

Aaron M. DesRocher Memorial Chemistry Scholarship

Accounting Alumni Scholarship

Ada Council for Arts Rebecca Vogelsang Memorial Scholarship

Ada Council for the Arts Vogelsang Memorial Scholarship (Dance)

Albert S. and Ella D. Koeze Art Scholarship

Alexander Calder Honor Scholarship

Alt-Marsiglia Scholarship

Alumni Heritage Scholarship

American Photo Marketing Entrepreneurship Scholarship

American Production and Inventory Control Society Scholarship

Amos Nordman Foundation Scholarship

Ann M. Dilley Jewelry/Metalsmithing Scholarship

ARAMARK Student Excellence Endowed Scholarship

Archie A. Blood, Jr. '79, '83 PATHWAYS Scholarship

Arend D. and Nancy Lubbers University Honors College Scholarship

Arlene Treanor Native Plants Internship

Art and Design Scholarship

Arthur C. Hills Music Scholarship

Association of Information Technology Professionals Scholarship

Autocam Engineering Scholarship

Baldwin Foundation Scholarship Endowment

Barbara H. Padnos Scholarship for Study Abroad

Barbara L. Flaschenriem Endowed Classics Scholarship

Barbara Waddell Native Plants Research Scholarship

Barry Castro Business Ethics

BDO Seidman International Accounting Scholarship

Becker CPA Course Scholarship

Becky Eckstrom Environmental Sciences Scholarship

Benjamin Mutnick Mettle Award for HTM

Berkowitz Scholarship for Handicapped Students

Bernard J. and Camille Cebelak Foundation Scholarship

Berthold Price Memorial Endowment Scholarship

Bill and Diana Wipperfurth Annis Water Resources Institute Student Research Scholarship

Blinkhorn/Donk First Generation Student Scholarship

Boand & Rowe Endowment for Advancement of Women in Sport & Physical Activity

Branstrom Fine Arts Scholarship

Breen Scholarship Fund

Brian C. Walker Scholarship

Brooks College Endowed Scholarship for Study Abroad

Brooks Family Minority Scholarship

Building Owners and Managers Association Scholarship

Candace Otte Scholarship for Nursing

Capital Region Community Foundation Scholarship

Caprice R. Wagner Memorial Scholarship Fund

Career Services Internship Award

Carl & Claudia Bajema Endowed Scholarship

Carl and Delores Arendsen Golf Scholarship

Carlton Radiologic and Imaging Sciences Undergraduate Scholarship

Charles H. and Florence Irwin Scholarship Endowment

Charles L Toot Memorial Golf Scholarship

Charlotte Gierst and Salome Egeler Music Scholarship

Children's Enrichment Center Scholarship Fund

Clarke and Nancy Borgeson Science, Technology, and Mathematics Endowed Scholarship

College of Education Future Teacher Scholarship

College of Liberal Arts and Sciences Endowed Scholarship

Colliers International Endowed Scholarship

Computer Science and Information Systems Scholarship

Corky Meinecke Scholarship

Crawley Japanese Studies Scholarship Fund

Crowe Horwath Scholarship

Dance Scholarship

Daniel Kemp Alumni Leadership Scholarship

David A. Bergsma Scholarship

David Daniels Memorial Scholarship

David G. and Mary L. Annis Education

David G. and Mary L. Annis Graduate Teacher Certificate

Dematic Engineering Scholarship

Detroit Compact Scholarship

Dewitt Barrels Inc. Environmental Science and Natural Resources Scholarship

Dirk Koning Film and Video

Don and Diane Paton Family Entrepreneur Scholarship

Don Klein Graduate Scholarship in Accounting

Don Williams Sr. Dean Emeritus Multicultural Business Education (MBEC) Scholarship

Donald and Barbara VanderJagt Mathematics and Athletics Scholarship

Donald and Wilma VanderZwaag Business Scholarship

Donna K. Brooks Presidential Scholarship

Doug and Linda Woods Excellence in Athletic Training Scholarship

Douglas K. and Ellen Chung Asian Social Work Graduate Scholarship

Dr. Andrew M.C. Brown Memorial English Scholarship

Dr. Faite R-P Mack/Thomas Jackson Urban Teacher Education Scholarship

Dr. George I. and Helen Z. Quimby Scholarship

Dr. James D. Hoffman Scholarship

Dr. Nancy K. Mack Scholarship Fund

Dr. Ronald Ward Scholarship

Dr. Roy and Pat Olsson Jr. Health Professions Scholarship

Drs. Esther and Enrico Sobong Nursing Scholarship

Duke Tanaka Jr. Anatomy Scholarship

DV Alpha Scholarship

Earl Harper Management Scholarship

Economics Department Faculty Endowed Scholarship

Edith Blodgett Piano Scholarship

Edward L. Tremba Geology Scholarship

Elizabeth K. Sherwood Memorial Scholarship

Empowering Haiti Through Education Fund

English Study Abroad Award

Eric A. Andres Live, Laugh, Love, Learn Scholarship

Eric Jon Gillette Memorial Scholarship

Eric Maino Community Technology Award

Ernst-Young Senior Accounting Excellence Scholarship

Esther Padnos Nursing Scholarship

Esther Rehm Stotz Nursing Scholarship

Eugene and Lillian Pawl Scholarship

Excel Business Scholarship Fund

Faculty Scholarship for New English Majors Scholarship

Felix V. and Gladys A. Zukaitis Athletic Scholarship

Felix V. and Gladys A. Zukaitis Scholarship Trust

Finance Advisory Board Scholarship

Finance Department Faculty Endowed Scholarship

First Generation Urban Schools Scholarship

First Robotics Engineering Scholarship

Florence Cowan Ward Scholarship for Nursing

Folds of Honor Scholarship

Frances Anne Kelleher Memorial Scholarship

Fred A. Bell Business Scholarship

Fred M. and Bernadine Keller Diversity Scholarship

Fred M. Keller Engineering

Fred Meijer Diversity Scholarship

Frederick A. Chapman Endowed Memorial Public Relations Scholarship

Frederick S. Singer Memorial Veteran's Endowed Scholarship

Frederik Meijer First Generation Honors College Scholarship

Gail and Scott Haebich Nursing

General Dynamics Land Systems Engineering Scholarship

Geology Field Study Scholarship

Geology Scholarship

George & Georgia Breur Memorial Scholarship

George and Marianne Stein Endowed Memorial Scholarship

Gilbert and Patricia Davis Scholarship for Full- or Part-time English Majors

Gilbert R. and Patricia K. Davis Theatre Scholarship: Remembering Shakespeare

Glenn A. and Betty Niemeyer History Scholarship

Graduate Teacher Certification Scholarship

Grand Forum Scholarship for Continuing Education

Grand Valley Annual Pathway Scholarship

Grand Valley Lanthorn Merit Scholarship

Grand Valley State University Symphony Orchestra Endowed Scholarship

Grand Valley UAW Region 1-D

Green Family First Generation College of Education Scholarship

Greta and Arthur DeLong Education Scholarship

Greta and Arthur DeLong Psychology Scholarship

GV in DC Scholarship

GVSU Community Leadership Scholarship

GVSU Web Team Scholarship

H. James and Carole Lynn Campbell Williams Business Scholarship

H. James Williams Endowed Scholarship

Helen Claytor Minority Scholarship

Helen DeVos Presidential Scholarship

Henry and Juanita Dungey School of Public and Nonprofit Administration Excellence Award

Hilda C. Holder Scholarship for Women in Business

Hispanic Scholarship Fund

Holliday-Willey Psychology Scholarship for the Study of Pervasive Developmental Disorders

Hong Chen Memorial Scholarship

Honor the Badge Scholarship

Hosford Family Excellence in Academics & Athletics Scholarship

Hospitality and Tourism Management Club Scholarship

Howard and Rose Stein Endowed Biology

Hugo Salazar Memorial Scholarship Fund

Huizenga Biology/Education Scholarship

Hungerford, Aldrin, Nichols & Carter Accounting Scholarship

Hyatt Place Grand Rapids - South Hospitality and Tourism Scholarship

Ilene I. Schooley Biomedical Science Scholarship

International Merit Scholarship

International Relations Scholarship

International Student Scholarship

Ira Brad Scholarship

J Allegrina Nontraditional Student Scholarship

J. Patrick Sandro Education Scholarship

J.C. Huizenga Business Scholarship

Jack J. Korff Seidman College of Business Finance Scholarship

Jacob Mol Athletic Scholarship

Jean Enright Women and Gender Studies Scholarship

Jean Martin Doctor of Nursing Practice Scholarship

Joan Boand Athletic Endowment Scholarship

Joan Panopoulos Scholarship

Joe E. Reid Memorial Scholarship

John and Barbara Gracki Football Degree Completion Scholarship

John Batchelder Political Science Scholarship

John C. Heerspink Scholarship

John J. and Marjorie E. Shepard Communications Scholarship

John Shontz Native Plants Biology Scholarship

John W. and Virginia M. Reifel Economics Scholarship

Johnny C. Burton Scholarship

Johnson Leadership Scholarship Endowment

Joseph and Elizabeth Godwin Scholarship

Joseph E. Appelt P.E. Engineering Scholarship

Joseph Spruit Engineering Scholarship

Joyce Hecht Distinguished Scholarship

Judith S. Pratt Nontraditional Nursing Scholarship

Jurries Family Scholarship

Justice and Society Endowed Scholarship

Kathleen B. Vogelsang Seidman College of Business Scholarship for Women

Kaufman Family Scholarship Honoring L. William Seidman

Kemp Faculty Scholarship

Kendal J. DenBleyker Endowed Scholarship

Kenneth and Irene Fridsma Special Education Scholarship

Knights and Ladies of Peter Claver and Ladies Auxiliary Scholarship

Kurt Kimball Scholarship

L.V. Eberhard Business Scholarship

Lacks Enterprises Scholarship

Laker Baseball Alumni Leadership Award

Laker Marching Band Scholarship

Laura Sakoski Memorial

Lesbian, Gay, Bisexual, and Transgender Scholarship

Leslie Eitzen Voice Scholarship Fund

Lois Searles Hospitality and Tourism Award

Louis Padnos Iron and Metal Co. Employees Scholarship

Lt. James W. Parmelee Memorial Scholarship

Lt. William Zimmerman Memorial Scholarship

Lynn Kraemer Memorial Scholarship

Mack-Jackson African American Teacher Scholarship (Fall)

Macomb County Student of the Week Scholarship

Marcia and Jonathan White Honors College Endowed Scholarship

Margaret 'Peggy' Boyce Nontraditional Student Scholarship

Margaret F. Ward Art and Design Scholarship

Margaret F. Ward Music Scholarship

Margaret Proctor School of Communication Scholarship

Marilyn and Budge Sherwood Scholarship

Mark A. Warren Memorial Scholarship

Mark and Elizabeth Murray International Travel Scholarship

Marlene Kenneway Love of Dance Scholarship

Marney Houseman MacAdam Voice Scholarship

Marvin G. DeVries Endowed Scholarship

Mary and Wilhelm Seeger Scholarship Fund

Mary Jane Dockeray Science Scholarship

MaryBeth Koeze Art Scholarship

MaryBeth Koeze Endowed Scholarship in Memory of Dr. Thomas Henry Koeze

Mathematics Scholarship

McFadden Picciuca International Child Welfare Scholarship

Metro Detroit Alumni Scholarship

Michael and Susan Jandernoa Scholarship Endowment

Michigan Garden Club Scholarship - Winter

Michigan Office Solutions Seidman College of Business Scholarship

Michigan Society of Professional Engineers Scholarship

Milhilesh and Jitendra Mishra Foreign Student and Faculty Scholarship

Mi-Light Photonics Scholarship

Movement Science Student Excellence Endowed Scholarship

Mullendore Legal Studies and Criminal Justice

Nathan M. Hurwitz Memorial Scholarship

Nedra Smith Otis Art and Design Scholarships

Nichols Sustainability Scholarship

Occupational Safety and Health Management Scholarship

OMA Study Abroad

Orgulloso de Ser "Proud to Be" Scholarship

Owen Bieber Scholarship

P. and J. Versluis Endowed Scholarship

Padnos College of Engineering/MSPE Engineering Scholarship

Pathways to Recovery Scholarship

Paul A. '72 & Janete M. (Nickless) '71 Royce PATHWAY Scholarship

Paul and Margaret Potter Scholarship

Paul and Sue Spindler Accounting Study Abroad Scholarship

Paul Brian and Margaret Susan Brooks Endowed Memorial Scholarship

Paul C. Miller Scholarship

Paul Henry Foundation Congressional Internship Scholarship

Paul Springer Crew Scholarship

PCEC Padnos College of Engineering and Computing Graduate Scholarship

Peace and Justice Award

Peter P. and Patricia R. Renucci Medical Lab Sciences Scholarship

Peter P. Renucci Family Medical Lab Sciences Scholarship

Pew Faculty Teaching and Learning Center Minority Scholarship

Pew Faculty Teaching and Learning Center Women's Scholarship

Phi Theta Kappa Scholarship

Pioneer Class Endowed Scholarship

Plant Services Personnel Scholarship

Plante Moran Accounting Scholarship

PNC Early Childhood Education Scholarship

Positive Black Women Scholarship/Endowment

Price Heneveld Engineering Scholarship

Professional Support Staff (PSS) Scholarship

Professor Charles Knop Chemistry Scholarship

Ram Singh Social Work Scholarship

Rauch Family Leadership Endowed Scholarship for Portage Schools

Redfield Financial Group Business and Baseball Endowed Scholarship

Reister Family Memorial Scholarship

Renaissance Church of God in Christ African American Academic Achievement Scholarship

Rev. Darld and Joyce Black Doctor of Physical Therapy Scholarship in Memory of Robert Klein

Richard E. Flanders/University Club Scholarship

Richard Giles Scholarship

Richard M. DeVos Presidential and Faculty Scholarship

Rick K. Hamlin Endowed Memorial Scholarship

Robert and Barbara Wood Entrepreneur

Robert and Linda '89 Rynbrandt Sociology Scholarship

Robert Bosch Fuel Systems Engineering Scholarship

Robert L. Chamberlain Memorial Scholarship

Robert W. Fletcher Memorial Scholarship

Rodney Mulder Social Work

Ross W. Perry Bachelor of Science/Core Sciences Major Scholarship

Russel H. Kirkhof Engineering Scholarship

Ruth Chamberlain Global Issues Scholarship

Ruth M. Perry Doctor of Physical Therapy Scholarship

Ryan Short Memorial Scholarship

Salski Biology Scholarship

Scholarship for Disadvantaged Students

School of Accounting Faculty Endowed Scholarship

School of Communications Scholarship

School of Engineering/MSPE Engineering Scholarship

School of Engineering/SAE Engineering Scholarship

School of Social Work Scholarship Endowment

Scott Flahive Police Academy Scholarship

Scott M. Dykstra Oliver Products Company Engineering Scholarship

Seidman College of Business Commercial Real Estate Scholarship

Seidman College of Business Study Abroad Scholarship

Seidman Deans Advisory Board

Seymour and Esther Padnos Engineering

Shakespeare Scholarship

Shawn D. Wiersma Criminal Justice Memorial Scholarship

Small Family Scholarship

Social Work Minority Scholarship

Spectrum Health Diversity Scholarship

SPX Corporation Engineering Scholarship

Statistics Scholarship

Steelcase Foundation Scholarship

Steelcase Inc. Seidman College of Business Diversity Scholarship

Steele A. and Mary D. Taylor Pathway to Education Scholarship

Student Legacy Scholarship

Study Abroad Photography Scholarship

Subar Family-Model Coverall Service Scholarship

Sullivan Scholarship Trust Fund

T.J. Maciak Give Life Endowed Scholarship

TEI Accounting/Tax Scholarship

Telephone Pioneers Scholarship

Teri Linn (Houghton) Marsh Endowed Memorial Nursing Scholarship

The Coopersville Scholarship

The Malinoski Family Pre-Dental Scholarship

The Norman and Helen Gibson Geology Field Study Scholarship

The Pamela and Daniel G. DeVos Musical Theatre Scholarship

The People Space Scholarship

The Right Place Inc. Manufacturers Scholarship

The Thompson Working Family Scholars Program

Theresa McKee Occupational Therapy

Thomas A. & Ceryl L. '91, '98 Butcher Nontraditional Student Scholarship

Thomas and Joyce Wisner Engineering Fellow for New Product Development

Thomas J. and Marcia Haas Laker Marching Band Scholarship

Thomas Seykora Alumni Leadership Scholarship

Thompson Foundation UPA Award

Todd Jager Memorial Athletic Training Scholarship

Tony Pfenning Baseball Commitment Award

UFCW Local 951 Foundation Scholarship

Valerie Eggert Distinguished Scholarship in Philanthropy

Veazey Graduate Academic Scholarship in Accounting Scholarship

Village at 48 West

Volkhardt Family Nursing Scholarship

Volkhardt Family Physical Therapy Scholarship

Walsh VIP Scholarship

Walton B. Koch Scholarship

Warren Reynolds Scholarship

Washington Campus

West Shore Aware Scholarship

Westerman Nursing Scholarship

WGVU LZ Michigan Scholarship Endowment

WGVU-TV Scholarship

Whitney Young Village Outreach Engineering Scholarship

William Hegarty Scholarship

Windstream Enterprise Resource Planning Scholarship

Windstream Technology Scholarship

Wisner Doctor of Physical Therapy Scholarship

Wisner First Generation Engineering Scholarship

Wisner Nontraditional Student Engineering Scholarship

Women's Center Scholarship for Nontraditional Students

Writing Department Scholarship

Programs Based On Need

Grants

The programs listed below are considered "gift" assistance and do not require repayment.

1. Grand Valley Need-based Grant Programs. These grants are available to full-time undergraduate students based on financial need and availability of funds. To apply, you must complete the FAFSA.

a. Grand Valley Grant. This is a $3,000 award for new students who have an estimated family contribution of $2,000 or less as determined by filing the FAFSA. Priority given to students who file their FAFSA by March 1 each year. This award is renewable provided the student files the FAFSA by March 1 each year, the expected family contribution is $2,000 or less and meets satisfactory academic progress. Additional grant amounts of up to $2,000 are available to all undergraduates who have exceptional unmet need after all other financial aid is awarded.

b. Grand Valley Freshman Grant. This need-based grant award amount is up to $2,000 for new first-time freshman students who have exceptional unmet need Priority given to students who file their FAFSA by March 1.

c. Grand Valley Second-year Grant. This need-based grant award amount is up to $2,700 for returning second-year students who have exceptional unmet need and have passed all credits attempted in their first year at GVSU. Priority given to students who file their FAFSA by March 1.

2. Federal Pell Grant. This program is the main source of need-based federal financial aid grant funds. To apply for a Pell Grant, you must submit the FAFSA and indicate on this form that you wish Grand Valley State University to receive your application. You will then receive a notification form called the Student Aid Report (SAR). The Financial Aid Office in turn will notify you of the exact amount of the grant, which is determined from a payment schedule published by the U.S. Department of Education. No specific GPA is required for renewal; however, students must be making satisfactory academic progress to remain eligible.

3. Federal Supplemental Educational Opportunity Grants (SEOG). These federal grants are awarded to undergraduate students with exceptional financial need. No specific GPA is required for renewal; however, students must be making satisfactory academic progress to remain eligible. Priority is given to students who qualify for the Federal Pell Grant Program.

4. Michigan Competitive Scholarship. The Michigan Higher Education Assistance Authority (MHEAA) offers scholarships on an annual, renewable basis. You must (1) fill out the Free Application for Federal Student Aid (FAFSA) by March 1, (2) demonstrate financial need as determined by the FAFSA, (3) qualify as a result of your performance on the American College Test (ACT), (4) be a continuous resident of Michigan for 12 months preceding the examination date, (5) be a high school graduate with no previous college training, and (6) comply with all other provisions of Public Act 208 and regulations adopted by the MHEAA. As a scholarship winner, you are eligible to have your scholarship renewed if you are making satisfactory academic progress, have a cumulative GPA of 2.0 or higher, and continue to demonstrate financial need. You must reapply for the scholarship each year by filing the FAFSA before March 1. You must also satisfy other regulations adopted by the state authority. Awards from this program are subject to state funding.

5. Federal TEACH Grant. The Teacher Education Assistance for College and Higher Education (TEACH) grant program provides grants of up to $4,000 per year to students who intend to teach in specified content areas in a public or private elementary or secondary school that serves students from low-income families. Contact the Financial Aid Office for more information.

6. Native American Tuition Benefit. Students who are certified by the Michigan Intertribal Council to be a member of a federally recognized tribe and a Michigan resident are eligible for a tuition benefit equal to their tuition costs. Students who believe they are eligible Native Americans can contact the Michigan Intertribal Council at (800) 562-4957 for an application and additional information. Student must be degree-seeking and must meet financial aid SAP standards to receive this benefit.

1. Federal Perkins Loans. This federal loan program is for students who have financial need, are U.S. citizens, meet the satisfactory academic progress requirements of Grand Valley, and are not in default on previous federal loan programs. No interest accrues and no repayment is required while you carry at least a half-time load in most institutions of higher education. Repayment at a minimum of $40 per month is required within a 10-year period following the termination of your student status. Because of limited funds, loans are made for up to a maximum of $2,000 per year at Grand Valley. Students must complete the Free Application for Federal Student Aid (FAFSA). Eligible students will be notified by the Grand Valley Financial Aid Office.

The interest rate is a simple annual 5 percent on the unpaid balance with repayment beginning nine months after the student is no longer enrolled at least half-time (six credits for undergraduate students).

2. Federal Direct Subsidized Loan. This federal loan program operates through the U.S. Department of Education and provides loans to students to help meet their educational expenses. Interest rates are fixed at 4.66 percent for 2014-2015. The interest rate changes each year on July 1. The federal government deducts a 1.073 percent origination fee from the total amount of the loan. If you are eligible for a subsidized loan, the federal government will pay the entire interest charge while you are in college. Students must demonstrate financial need to qualify. A student can borrow up to $3,500 for the freshman year of study; $4,500 for the sophomore year; and $5,500 for the junior and senior years, although the total borrowing plus other available resources cannot exceed the calculated financial need of the student to attend Grand Valley. Students must complete the Free Application for Federal Student Aid (FAFSA). First-time borrowers on or after July 1, 2013 will not be eligible to receive subsidized direct loans if the period during which the borrower has received such loans meet or exceeds 150 percent of the published length of the program. Eligible students will be notified by the Grand Valley Office of Financial Aid.

3. Nursing Loans. These federal loans are for students who are accepted into the nursing program at Grand Valley. Nursing loan criteria closely follow those of the Federal Perkins Loan Program.

Educational Loans Not Based on Need

1. Federal Direct Unsubsidized Student Loan Program. The unsubsidized loan is not based on need. Eligibility is determined by taking the cost of education to attend Grand Valley and subtracting any financial aid the student has been awarded. The interest rate is fixed at 4.66 percent for undergraduate students and 5.41 percent for graduate students for 2014-2015. The interest rates change each year on July 1. Under the Unsubsidized Federal Direct Student Loan Program, however, the interest accrues on the loan while the student is enrolled in school, during the grace period, and during any periods of deferment or repayment. Students may pay on the interest while in school. Students not paying on their accruing interest should be aware that their loan principal will increase based on the amount of that unpaid interest. The federal government deducts a 1.073 percent origination fee from the total amount of the loan. Repayment of the loan principal begins six months after the student is no longer enrolled at least half-time. To be considered for the Unsubsidized Federal Direct Student Loan, students must first complete the Free Application for Federal Student Aid (FAFSA) and list Grand Valley as a college choice.

2. Federal Direct Parent Loan for Undergraduate Students (PLUS). Parents of dependent students may borrow funds under the parent loan program. The program makes loans of up to the full cost of educational charges without regard to financial need. The interest rate is fixed at 7.21 percent for 2014-15. The federal government deducts a 4.292 percent origination fee from the total of the loan. Funds are made available through the Federal Direct Plus Loan Program. Grand Valley, not local banks, will originate these loans for parents.

3. Alternative Loan Programs. Alternative loans are nonfederal loans to supplement financial aid for credit-worthy students and their families. A student may borrow an amount up to the cost of education minus other financial aid already awarded. Both fixed and variable interest rates are available. Interest rates may vary depending on the student's decision to pay on the loan while in school versus deferring repayment until after graduation.

Contact the Financial Aid Office or visit our website www.gvsu.edu/financialaid for more information.

Student Employment

The Student Employment Office assists students in obtaining employment that will help finance their education and develop valuable work skills needed for their future careers. The office is a resource for students seeking employment job opportunities while attending GVSU. The staff works directly with on-campus departments and off-campus employers. LakerJobs is our online database that contains both student and professional jobs in one convenient place, including on-campus, off-campus, work-study, part time, internship, co-op, and full time career opportunities.

Visit the LakerJobs site at www.gvsu.edu/studentjobs to search for current job postings as jobs are posted daily. For more information please contact the Student Employment Office at (616) 331-3238. The office is located at 105 Student Services Building.

1. Student Employment: Any student wishing to work on-campus can apply for job opportunities through the LakerJobs website and seek assistance from the Student Employment office. It is important to follow the procedures outlined on the website to be informed of available employment opportunities and events.
2. Federal College Work-study Program: Work study is a form of need based financial aid that provides funding for on-campus part-time jobs to students. Neither work study funds nor employment is guaranteed and students must search and apply for jobs through the LakerJobs site after accepting work study funds.

MoneySmart Lakers

MoneySmart Lakers is a financial education program on campus specifically focused on educating students about basic financial skills for their future. It is the goal of the program to provide students with the tools and resources to help them understand their finances, and to help develop or define their money management skills. MoneySmart Lakers provides interactive seminars, on-demand presentations, and individual appointments to address the needs of the community.

Some of the topics addressed by MoneySmart Lakers:

1. Creating a spending plan
2. Learning how to build and maintain good credit
3. Understanding loans
4. Financing your education
5. Setting financial goals

For more information, please visit the MoneySmart Lakers site at www.gvsu.edu/moneysmart, email [email protected], or call the office at (616) 331-3238. The office is located at 105 Student Services Building.

Additional Payment and Student Options

1. Grand Valley Short-term Loans. For a small service fee, short-term loans of up to $500 are available for books and other emergencies. Repayment dates are determined by the Financial Aid Office at the time of application but do not exceed 60 days or the end of the semester (whichever comes first). Students need to be in good standing with the institution to apply for this loan. Applications and general policies regarding short-term loans are available at the Financial Aid Office.

2. Grand Valley Deferment Plan. The deferment plan allows students to pay their tuition in four installments for a small processing fee each semester. Applications and general policies regarding the deferment plan are emailed with the initial tuition billing each semester and are also available online through the myBanner system. Contact the Student Accounts Office for more information at (616) 331-2209 or toll-free (800) 789-1923.

3. Company Loans. Employees from participating companies that have a tuition reimbursement program are eligible to apply for a deferred tuition loan. Under this program, students may defer payment of their tuition until they receive reimbursement from their employers. Applications for this loan are available online through the myBanner system. Contact the Student Accounts office for more information at (616) 331-2209 or toll free (800) 789-1923.

Special Programs

The Veterans Readjustment Benefits Act (G.I. Bill) provides educational benefits for servicemen and women who have served on active duty. You can obtain further information from the Veterans Administration office nearest your home or by calling them. They also have a website you can go to for more information, visit www.va.gov/.

Michigan Public Act 245 provides partial tuition payment to students from Michigan who are children of veterans who died in service or were totally disabled because of service causes. You can request an application and review further information at www.michigan.gov/mistudentaid/.

Michigan Works! provides financial assistance designed to prepare individuals for entry into the labor force. Go to www.michiganworks.org to find out more about these funding options and the steps necessary to receive this financial assistance.

Veterans Administration Benefits may be available to children of deceased or totally disabled veterans if the cause is service-connected. You can obtain an application from the Veterans Administration, 477 Michigan Avenue, Detroit, Michigan 48226, or any Veterans Administration office.

Vocational Rehabilitation. The Michigan Department of Education, Bureau of Rehabilitation Services, provides services and financial assistance to students with certain disabilities. You can obtain information by calling your local Bureau of Rehabilitation office or writing to Michigan Rehabilitation Services, Box 30010, Lansing, Michigan 48909 or calling (517) 373-3390. For a listing of district offices call (800) 605-6722. To renew Vocational Rehabilitation assistance, you must submit the necessary financial aid forms each year and make arrangements for a review of your case with your vocational rehabilitation counselor.

Tribal Grants. Financial assistance may be available for Native American students who are affiliated with a tribe. For more information on requirements and application materials, contact your tribal higher education officer.

Private Scholarships. A limited number of scholarships are available from private sources. Contact organizations in your community that may provide scholarships, especially those in which you and/or your parents are active. Your local high school guidance office is also a source of this information. Scholarships may have deadlines beginning as early as October 1 for the following year, so it is important to begin your search as early as possible.

Enrollment Requirements for Disbursement of Aid

Your financial aid award is based on full-time enrollment, regardless of the plans you indicated on the FAFSA. Specific funds, however, have enrollment requirements and will apply toward your bill and be backed off your bill as your enrollment changes (i.e. as you drop and add credits).

The following funds will pay on your bill as long as you are enrolled for at least one credit:

• Some private (nonfederal) loans
• Some private scholarships

The following funds will pay on your bill as long as you are enrolled at least half-time (6 or more credits as an undergraduate; 4.5 or more as a graduate):

• Federal Direct Subsidized Loans
• Federal Direct Unsubsidized Loans
• Federal Direct PLUS Loans
• Some private loans

The following funds will be prorated based on your enrollment:

• State Competitive Scholarship

Prorated for three-quarter time enrollment of 9-11 credits
Prorated for half-time of 6-8 enrollment credits

• Federal Pell Grant
• Federal TEACH Grant

Prorated for three-quarter time enrollment of 9-11 credits
Prorated for half-time enrollment of 6-8 credits
Prorated for less than half-time enrollment of 1-5 credits

The remaining funds require full-time enrollment of 12 or more credits to pay on your bill:

• Federal Perkins Loan
• Federal Nursing Loan
• Federal Supplemental Opportunity Grant
• Grand Valley grants
• Grand Valley scholarships
• Some private scholarships

Satisfactory Academic Progress (SAP)

Federal regulations governing federal funds require institutions to monitor the academic progress of financial aid recipients. Grand Valley State University's policy is to provide financial aid only to students capable of remaining in good academic standing and who make adequate progress toward a degree. Adequate academic progress required to remain eligible for financial aid is defined below.

Undergraduate Students

• Achieve a minimum 1.5 cumulative GVSU grade point average after 24 credits
• Achieve a minimum 1.8 cumulative GVSU grade point average after 54 credits
• Achieve a minimum 2.0 cumulative GVSU grade point average after 55 credits
• Complete and pass a minimum of two-thirds of all GVSU credit hours attempted
• Complete all degree requirements within 150 percent of the minimum number of credits hours required to graduate (based on 120 credits for undergraduate students)

Second Undergraduate Students

• Maintain a minimum 2.0 cumulative GVSU grade point average
• Complete and pass a minimum of two-thirds of all GVSU undergraduate attempted hours
• Complete all additional requirements within 150 percent of the minimum number of credit hours required to complete an additional program. An additional 60 credits will be allowed for subsequent undergraduate work (based on 120 + 60 credits for second undergraduates).

Graduate Students

• Maintain a minimum 3.0 cumulative GVSU grade point average
• Complete and pass a minimum of two-thirds of all GVSU graduate credit hours attempted
• Complete all degree requirements within 150 percent of the minimum number of credit hours required to graduate (based on 60 credits for graduate students)

Doctoral Students

• Maintain a minimum 3.0 cumulative GVSU grade point average
• Complete and pass a minimum of two-thirds of all GVSU credit hours attempted
• Complete all degree requirements within 150 percent of the minimum number of credit hours required to graduate (based on 120 credits for doctoral students)

General Provisions and Information

• Transfer credits will not be included in calculating the two-thirds completion rate. Transfer credits are included in the 150 percent of required credits limit for all students.
• Satisfactory academic progress will be determined at the end of each semester for all enrolled students regardless of whether or not financial aid was received that semester.
• Students in good financial aid academic standing who fail to meet the requirements in the subsequent semester will be placed on financial aid warning to allow them one semester to regain eligibility. If students are not meeting the overall satisfactory academic progress requirements after one semester of warning, they will no longer be eligible for aid.
• Students who were placed on a SAP warning status who were unable to meet the minimum requirements will be given the option of appealing to the SAP Appeals Committee to request an exception to receive financial aid for one probation semester. While on probation a student must meet the following requirements to maintain financial aid eligibility:
  • Earn a 2.5 semester GPA or a 2.0 cumulative GPA.
  • Complete all credits the student is still registered for at the end of the drop/add period.
• All credit hours attempted through international programs and through concurrent enrollment agreements count in the SAP calculation.

Students meeting financial aid probationary requirements will be continued on financial aid academic plan until they again meet standard academic progress requirements. Failure to meet the financial aid probationary GPA and/or credit completion requirement while on financial aid probation will result in the loss of eligibility for continued financial aid.

• Students may regain financial aid eligibility by achieving a minimum accumulative GPA of 2.0 and/or successfully completing a minimum of 67 percent of cumulative attempted credit hours at their own expense.
• Repeat classes increase the total attempted hours, but do not increase the total number of credits completed.
• Grades of W, NC, F, or I do not count in the GPA or credit completion requirement; however, these grades do count as attempted credits.
• Credits hours earned by testing or other nonstandard means are counted in the satisfactory academic progress calculations as both hours attempted and hours earned.
• All credit hours attempted through international programs and through concurrent enrollment agreements count in both attempted and earned calculations.

• Students who fail to meet the above academic progress standards may appeal the loss of financial aid eligibility. Appeals must be submitted to the Financial Aid Office with appropriate documentation of the circumstances which prevented the student from meeting the SAP requirements. The deadline for submission of an appeal for any semester in which aid is denied under this policy is the last day of the fourth week of classes.

NOTE: Refer to the Academic Policies and Regulations for the Academic Review Policy. These are separate from and different than the financial aid satisfactory academic progress requirements discussed above.

Terms and Conditions Governing Acceptance of Award

Grand Valley State University's Financial Aid Office makes every effort to provide timely and accurate information in your award notification. The university also reserves the right to change without notice any award due to federal, state or university changes in policies, procedures or regulations.

In accepting your financial aid award offer, you are stating that you have met and will continue to meet all the following conditions of acceptance set by federal regulations and Grand Valley policies:

• The information submitted on your aid application is correct and complete.
• You will notify Grand Valley's Financial Aid Office (FAO) if you receive assistance not originally on your award notification (i.e. an outside scholarship). A reduction of other aid may be necessary even if funds have already been disbursed.
• You will use the financial aid awarded to you only for payment of tuition, books, housing costs, transportation, and other related educational expenses.
• You agree that financial aid awarded to you may be used as a credit toward payment of all tuition, fees, room, board, and all other charges that may be due or past due on your student account.
• You will maintain sufficient academic progress toward your degree according to the policy of the Grand Valley Financial Aid Office.
• You will maintain the minimum credit hour(s) that you have registered for after 100% refund each semester. Your award will be based on full time attendance and will be adjusted after the 100% tuition refund period each semester. If you drop below the number of credit hours upon which your award was based or withdraw completely from your courses, you may be expected to repay all or part of your award.
• You will notify the Financial Aid Office if you do not plan to enroll in a semester for which you have been awarded aid.
• You are not in default on educational loans and do not owe a balance as a result of returned aid for any federal funds received at Grand Valley or elsewhere.
• You must meet all the requirements regarding registering for selective service, citizenship status, and drug conviction status.
• You will respond promptly to any requests for additional information. Failure to do so may result in you being billed for a portion or all of the aid disbursed to you or will delay additional disbursements.
• You will immediately notify the Grand Valley Registrar's Office if you withdraw from the university. You may be billed for part or all of your financial aid. The bill will depend on the date of your withdrawal and the percentage and amount of institutional refund to be received.
• You agree to repay to Grand Valley any financial aid funds disbursed to you in error. If a mistake was made, whether by you, Grand Valley, or another, agency federal regulations require that the mistake be corrected and funds be billed back as necessary.