Financial Assistance

Northwest University offers scholarships and grants; participates in federal grant, loan, and work programs; and state grant and work programs. Applicants submitting the required documents by December 1^_st will receive priority consideration for available funds. Priority, when awarding these funds, is given to students at full-time enrollment status. If a student is enrolled for less than full-time, their awards may be prorated. Students receiving a Northwest University funded award must comply with guidelines found in the Community Handbook. New Students must sign and return one copy of the Award Terms and Conditions to Student Financial Services within 30 days of receipt. Students must maintain satisfactory academic progress as outlined in the Satisfactory Academic Progress Policy for financial aid, unless additional requirements are noted with the award. Need based awards must be applied for each year. This section contains information primarily applicable to the traditional undergraduate program. (For financial aid information for the College of Adult and Professional Studies  program and Graduate programs, refer to the respective Program’s catalog pages or Student Handbook.)

Institutional Aid

Academic Scholarships

First-time Student

Eligibility and amount for first-time students are awarded based on submitted GPA and test scores. The scholarship is renewable based on meeting the satisfactory academic progress policy stated later in this catalog.

Transfer Student

Eligibility and amount for transfer students (those who have completed 20 semester or 30 quarter credits) are awarded based on the GPA from submitted official transcripts. The scholarship is renewable based on meeting the satisfactory academic progress policy stated later in this catalog.  

• Application – The admission application, academic transcripts and test scores serve as the application for the academic scholarship. Eligibility is determined after the student is accepted to attend the University.
• The scholarships require full-time study

Assemblies of God (A/G) Tuition Credits

• Eligibility – Student must qualify under one of the following
  • A/G Minister or Chaplain, spouse of A/G Minister or Chaplain, or dependent of A/G Minister or Chaplain. (A/G Minister/Chaplain must have been licensed or ordained with the Assemblies of God for one year prior to student’s attendance at Northwest University
  • Full-time administrator/teacher at an A/G Christian school (K-12), spouse or dependent. (Administrator/teacher must have been employed in current position for one year prior to student’s enrollment
• An individual student may not receive more than one Tuition Credit per year.
• Amount – Tuition credits are based upon need
• Renewal – Based on annual review of need and eligibility requirements

Bible Quiz

• Eligibility – Participation through senior year of high school at district level or higher.
  • Full-time study
• Amount – Up to $1,000
• Application – Participation in district, regional, or national competition. Renewable for up to eight semesters of undergraduate enrollment.

District Youth Directors Scholarship

• Eligibility – First Time Freshmen (Contact your Assemblies of God Youth Director for application information.)
• Amount – $1,000 one-year award
• Deadline – Final nomination letter must be mailed to the Admissions Office and postmarked by February 15^th.

Family Tuition Credit

• Eligibility – Student must qualify under one of the following:
  • Spouse of a Northwest University student (Both must be enrolled at the same time, and be eligible for financial aid.)
  • Sibling of a Northwest University student (Both must be dependent, as determined by the FAFSA, enrolled in the Traditional program at the same time, and be eligible for financial aid.)
  • Parent or Child of a Northwest University student (Students must be eligible for financial aid; child must be dependent, as determined by the FAFSA, enrolled in the Traditional Undergraduate program; and both parent and child must be enrolled at the same time.)
• Amount – 15% of tuition to each student
• Renewal – Based on annual review of need and eligibility requirements

International Student Scholarship

• Eligibility – International students who have documented need (A US Sponsor is required to cover additional costs).
  • Full-time study
• Amount – Awards vary based on need.
• Application – Must apply and be accepted by the Admissions Office before International Student Financial Aid Application (I.S.F.A.A.) will be accepted. (The I.S.F.A.A. is available from the Admissions Office.)
• Renewal:
  • Based on good academic and student-life standing
  • Financial need
  • Current F-1 visa status

Ministry Success Award

• College of Ministry Major
• Eligibility – Based upon financial need and academic performance
• Amount – Varies each year based upon need and other awards received
• Deadline – Priority deadline is February 15^th
• Application – Free Application for Federal Student Aid (FAFSA)
• Renewal – Must apply for financial aid and maintain satisfactory academic progress for financial aid. (May receive for up to eight semesters.)

Northwest Athletic Scholarship

• Eligibility – Recognized athletic talent
• Amount – Determined by coach’s talent assessment

Northwest Missionary Tuition Credit

• Eligibility – Full-time Missionary, spouse of Missionary, or dependent of Missionary currently serving under appointment of a recognized Missions Board
• Amount –Tuition credits are based upon need.
• Renewal – Based on annual review of need and eligibility requirements

Northwest University Debate Scholarship

• Eligibility – Recognized speech and debate talent
  • Achieve a 3.0 High School GPA
  • Full-time study
• Amount – Determined by faculty talent assessment
• Renewal – Based on maintaining a 3.0 GPA at Northwest, and participation in the debate program.

Northwest University Grant

• Eligibility – Based upon financial need
• Amount – Varies each year based upon need and other awards received
• Deadline – Priority deadline is February 15th
• Application – Free Application for Federal Student Aid (FAFSA)
• Renewal – Must apply for financial aid and maintain satisfactory academic progress for financial aid. (May receive for up to eight semesters.)

Northwest University Reserve Officer Training Corps (ROTC) Housing Scholarship

• Eligibility – Must be a full time student, taking ROTC classes as an elective, and receiving the ROTC Scholarship.
• Amount – Covers cost of Room and Board for an NU residence hall room (double occupancy), or NU student apartment, cost of room only.
• Application – Receipt of ROTC Scholarship serves as the application for this scholarship.
• Renewal – Based on enrollment and status in ROTC program.

Northwest University Yellow Ribbon Scholarship

• Eligibility – Must receive confirmed eligibility for Yellow Ribbon/Post 911 benefits from the Department of Veterans Affairs.
• Amount – Varies depending on VA contribution and number of credits enrolled.
• Application – Available through the VA Administration www.gibill.va.gov.
• Renewal – Must maintain Satisfactory Academic Progress and remain eligible through the Department of Veterans Affairs. (May receive for up to eight semesters of continuous enrollment.)

President’s Scholar

• Eligibility – First-time Freshmen, High School GPA of 3.75, Minimum SAT of 1300 or minimum ACT of 28
• Full-time study
• Students are selected through the invitational President’s Scholarship Competition, an on-campus two-day event held each spring. Contact the Admissions Office.
• Amount – Up to five 100% tuition scholarships are awarded
• Deadline – February 1^st
  • Renewal – Student must reside on-campus
  • Leadership participation is required; this includes attendance at Scholars Activities and participation as an Orientation Leader. Additional participation options include, but are not limited to, ASNU Office, Resident Assistants, Small Group Leaders, Karisma and Talon staff.
• May not receive with other Institutional Scholarships or Tuition Credits (e.g. any ASNU Student Leadership Awards, Pastors, District Youth Director, Academic, Northwest University Grant Ministry Success, Bible Quiz, Talent or Debate Scholarships).

Reserve Officer Training Corps (ROTC) Scholarships

• Available to – Incoming Freshmen and Transfer students.
• Eligibility – Must be a full time student, taking ROTC classes as an elective.
• Amount – Provides full tuition per year. Additional benefits include a yearly book allowance and a monthly stipend.
• Application
  • Army ROTC - For more information call the battalion’s recruiting officer at (206) 543-9010 or see website at: http://depts.washington.edu/armyrotc/.
  • Air Force ROTC - For more information call the Unit Admissions Officers at (206) 543-2360 or see website at: http://depts01.u.washington.edu/afrotc/drupal/node/44
• Renewal – Based on enrollment and status in ROTC program.

Talent Scholarships

• Eligibility – Recognized talent in music (instrumental or vocal)
• Full-time study
• Amount – Awards vary (May receive for a total of eight semesters.)
• Deadline – February 15th
• Application – Live audition to be held with divisional faculty. (To schedule an audition, contact the Admissions Office.)
• Renewal – Based on participation in relevant campus programs
• Student may receive one talent award per year.

Visit Scholarship

• Eligibility – New students who attend a scheduled visit by February 15 of their senior year.
• Amount - $500
• Renewal – Not renewable, one time award only

Student Participation Scholarships

All participation scholarships are available only to students who have attended Northwest University for at least one semester.

Commuter Activities Representatives

• Eligibility – Selected by the Student Development staff to lead commuter student activities
• Amount varies.

Intramural Coordinator

• Eligibility – Selected to a position on the Intramural Staff
• Amount varies.

Northwest University Student Government

• Eligibility – Elected to positions in student government.
• Amount – Amount varies based upon position held.

Residence Assistants

• Eligibility – Selected by the Student Development staff to serve in the Residence Halls and Student Apartments
• Amount varies.

SOAR Leaders

• Eligibility – Selected by the Student Development staff to lead student activities during the summer SOAR academic registration
• Amount varies.

Student Activities Board

• Eligibility – Selected by the Student Development staff to lead student activities during
• Amount varies.

Talon

• Eligibility – Selected to a position on the Talon Newspaper staff
• Amount varies.

Private Donor Scholarships

Endowed and Restricted Scholarship Funds

Endowed scholarship funds provide financial assistance to qualified students attending Northwest University. Due to an ever-increasing interest on the part of alumni and friends of the University, new scholarship funds are being added each year. When established these scholarship funds are often in memory or in honor of loved ones or a significant person.

Eligibility – Eligibility is dependent upon a student’s enrollment in a program of study, or extended to include academic performance, financial need, a specific major, church affiliation, or home geographical area. Most funding is for continuing students. A first-time freshman’s eligibility for specific scholarships is determined by the Admission Application.

Washington State Aid

Due to state law, Washington State financial aid is not available to students pursuing a major or minor offered by the College of Ministry (including the Ministry Leadership major offered through the College of Adult and Professional Studies programs). 

Washington State Need Grant (WSNG)

• Eligibility - Financial need as determined by the State Need Grant formula
• Washington State resident
• Amount – Washington State Need Grant amount varies from year to year based on the State funding available.
• Renewal – Based on annual review of eligibility, State funding, and State laws

Students who receive Washington State Need Grants must sign the “WSNG Agreement and Directive” in order to receive funds each term from Student Financial Services.

WSNG recipients agree that the Washington Student Achievement Council Board (the Washington State Agency that issues the grant) and Northwest University reserve the right to withdraw, reduce, or modify the grant due to funding limitations or due to changes in circumstances which will affect the student’s eligibility for the Washington State Need Grant.

Federal Aid

Federal Pell Grant

• Eligibility – Financial need as determined by federal methodology
• Amount – The Federal Pell Grant amount varies from year to year based on federal funding available.
• Renewal – Based on annual review of need
• Students may receive Federal Pell Grant for up to six years (12 semesters) of full time attendance

The Federal Pell Grant is available to students who attend at least part time (six credits). In certain situations, however, a student who is enrolled for less than six credits may be eligible for a Pell Grant.

Federal Supplemental Educational Opportunity Grants (FSEOG)

• Eligibility – Priority is given to Federal Pell recipients.
• Amount – Average amount is $500 per year. Amount varies from year to year based on federal funding available.
• Renewal – Based on annual review of need and school allocation

Teacher Education Assistance for College Higher Education Grant (TEACH)

• Eligibility – Accepted into the College of Education
  • Achieved a 3.25 cumulative GPA or score above the 75^th percentile on an Admissions Test
  • Completed Agreement to Serve Application (ATS)
  • Attended yearly TEACH Grant Counseling session
• Amount - determined by the Department of Education
  • Renewal - Maintain 3.25 Cumulative GPA
  • ATS Renewal Application
  • Counseling session
• Terms
  • Agree to serve in a high need, low income school after completion of academic program.
  • If student does not meet requirements, grant becomes an Unsubsidized loan.

Federal Direct Subsidized Loan

• Eligibility – Financial need
• Amount – Varies based upon class standing

• Aggregate Loan Limits Undergraduate
  • Dependent: Federal Direct Subsidized and Unsubsidized - $31,000
  • Independent: Federal Direct Subsidized and Unsubsidized - $57,500

(Students cannot take out a total of more than the above listed aggregate amounts during their lifetime in school.)

• Renewal – Based on annual review of need. Application is required annually.
• Terms – Payment of principal and interest accrual begins six months after the student ceases to be enrolled at least halftime; interest is deferred while the student is enrolled at least halftime; interest rate varies—loan fees are charged according to Federal laws (maximum is 2%). If a student graduates or ceases to attend at least half time, he/she is required to complete exit counseling online.

If you wish to participate in the Federal Direct Loan Program, please sign your Award Letter and return it to Student Financial Services. In addition, first-time borrowers at Northwest University must complete the entrance counseling online which will explain issues, rights, and responsibilities. An official Loan Application (Master Promissory Note) can be completed by the student online at the direct loan website. Students who have already completed the required application (Master Promissory Note and Entrance Counseling) will only need to sign their Award Letter, accepting the loan(s). Federal Directg loan funds are sent to the University through Electronic Funds Transfer (EFT). EFT funds will be credited directly to the student’s account.

Federal Direct Unsubsidized Loan

• Eligibility – Not need-based; based on independent status, dependent student who is not eligible for a Federal Direct Subsidized Loan, or dependent student whose parent was denied for a Federal Direct PLUS Loan.
• Amount – The amounts are the same as the Federal Direct Subsidized Loan, plus an additional $2,000/year. Additional amounts are available for independent students, and dependent students whose parents have been denied for the Federal Direct PLUS Loan:

• Aggregate Loan Limits Undergraduate
  • Dependent: Federal Direct Subsidized and Unsubsidized - $31,000
  • Independent: Federal Direct Subsidized and Unsubsidized - $57,500

(Students cannot take out a total of more than the above listed aggregate amounts during their lifetime in school)

• Renewal – Application required annually
• Terms – Borrowers are responsible for the interest while they are enrolled and during repayment period. Interest payments can be deferred while student is in school and during their grace period. Payment of principle and interest begins six months after the student ceases to be enrolled at least half-time. Interest rates, loan fees, application, and disbursement process are the same as for the Federal Direct Subsidized Loan. If a student graduates or ceases to attend at least half time, he/she is required to complete exit counseling online.

Federal Direct Parent Loan (PLUS)

• Eligibility – Parent of an enrolled dependent student. Parents must have acceptable credit rating.
• Amount – The maximum amount is the student’s estimated budget minus financial aid.
• Renewal – Application is required annually.
• Terms – Repayment of principle and interest begins 60 days after the last disbursement. Disbursement process is the same as for the Federal Direct Subsidized Loan.

To apply for a Federal Direct PLUS loan, one parent must complete the PLUS Authorization Form and return it to Student Financial Services. Application, Promissory Note, and Credit Check can be completed via the direct loan website at:

https://studentloans.gov/myDirectLoan/index.action

REMEMBER – up to 2% of the total amount of the Federal Direct Subsidized Loan, and Unsubsidized Loan, and up to 5% Federal Direct PLUS Loan may be deducted as a guaranty and origination fee.

Work Study

The purpose of the Northwest University Work Study program is to provide financial assistance to needy students by facilitating part-time employment. To participate, you must be awarded “Work Study” as part of your financial aid package. There are Work Study jobs on and off campus.

Federal Work Study

Federal Work Study employees work on-campus and are paid by the University. Students work an average of 12-15 hours per week, but are able to work up to 20 hours (if the supervisor approves).

Federal Work Study Community Service

Federal Work Study Community Service employees work on or off-campus, and are paid by their employer. Students work a variety of hours, up to 19 per week. Students are employed by local school districts to work with elementary school students, or by community service organizations working as job coaches and mentors to High School students with a variety of disabilities.

Washington State Work Study

Washington State Work Study employees work off-campus and are paid by their employer. Washington State Work Study eligible students are encouraged to locate jobs that are related to their academic or career goals. Students work an average of 12-15 hours per week, but are able to work up to 19 hours (if the supervisor approves). Being a Washington State resident is required for participation the State Work Study Program.

Applying for a Work Study Position

On-Campus

The Human Resources Office administers On-Campus Work Study positions. If you are interested in working on-campus, please contact the Human Resources Department. You will be sent an employment application. Completed and returned applications are reviewed by department supervisors who make hiring decisions based on student skills and experience. For more information visit: http://www.northwestu.edu/jobs/student.

Off-Campus

Students pursuing a major or minor offered by the College of Ministry (including the Ministry Leadership major offered through the College of Adult and Professional Studies programs) do not qualify for off-campus Work Study through the State of Washington.

Student Financial Services administers Washington State Work Study positions. Students interested in finding a job off-campus (preferably related to their academic or career goals) should contact the Work Study Coordinator in Student Financial Services. Off-Campus job openings are posted online at http://eagle.northwestu.edu/jobsearch/ Students preparing to interview for an off-campus Work Study position must contact Student Financial Services.

Points to Remember

• An offer of Work Study is not a guarantee of a job.
• Students may not earn more than their eligibility.
• Students may not begin working until the appropriate employment forms are submitted to the Work Study Coordinator.

If a student is not eligible for the Work Study program, they may seek employment through the Job Search Program at Northwest University. This program assists students in locating a job that is best suited for them. Information regarding the Job Search Program can be obtained through the Human Resources Office.

Summer Financial Aid

To be eligible for summer aid, you must have filed a Free Application for Federal Student Aid (FAFSA), and Student Financial Services must have received the results of that application for the current school year. For example, if you are applying for financial aid for the summer of 2018, you must file a 2017/2018 FAFSA by June 30th 2018. Applications for summer aid are available in Student Financial Services by the first week of April.

Summer aid is determined by the number of credits in which a student is enrolled. The minimum number of credits in which you must be enrolled to be eligible for Federal Direct Loans is six credits. The financial aid available for summer is:

• Federal Direct Loans:  This aid is available if you have eligibility remaining. You may borrow a certain amount each school year based upon your class standing and eligibility.
• Pell Grant: This aid is available if you have remaining eligibility.
• Washington State Need Grant: This aid is available if you have remaining eligibility, and NU has remaining funds.
• Federal Direct PLUS Loan: This aid is available if your parent is approved for the loan.
• Alternative Loan: This aid is available if you are approved for the loan.

Tuition Credits are not available for summer (Minister, Missionary, Family, etc.). You are notified as to what financial aid you are eligible for at the beginning of April.

Special Circumstances

Sometimes your family may have a change of employment, additional expenses, or emergency situations. Student Financial Services has a “Special Circumstances Form” which allows you to specify your unique situation. You will need to provide documentation along with this form, and it takes approximately four weeks to process. Only one special circumstance is processed during your time at Northwest University.

Financial Aid Application

Apply for financial aid at Northwest University by submitting:

• an Application for Admission to Northwest University
• a Free Application For Federal Student Aid (FAFSA)

The FAFSA Application is available online at www.fafsa.gov.

Eligibility

To be eligible for federal and/or state financial aid:

• a student must be a U.S. citizen, or a permanent resident of the U.S., or an eligible non-citizen
• in most cases a student must have financial need as determined by the results of a processed FAFSA
• a student must not owe an overpayment on any Title IV educational grant or be in default on a Title IV educational loan, and must maintain satisfactory academic progress
• full-time students receive priority consideration for campus-based funds

Disbursement of Aid

Student financial aid is credited to individual student accounts in equal disbursements by semester. The amount disbursed each semester is indicated on the student’s Award Letter. Most often an award is disbursed in two equal payments, half each semester at the beginning of the semester. For example, a $1000 grant will be disbursed $500 for fall semester and $500 for spring semester. Student financial aid is disbursed after the Add/Drop Period.

Satisfactory Academic Progress (SAP)

All students must make satisfactory academic progress in an eligible degree or certificate program in order to receive financial aid. Financial aid applicants are required to meet the standards described below for all terms of attendance, including terms when no aid is received. Your cumulative grade point average must be:

To remain in satisfactory academic progress, you are required to maintain ongoing completion of at least 67% of credit hours attempted.

If you complete less than 67% of the credit hours attempted, or if your cumulative grade point average falls below the required level, you will be placed on Financial Aid Warning for one semester.

Students who do not successfully meet the credit completion and GPA expectations by the end of the next semester are suspended from further aid and are not eligible for federal, state, or institutional grants, scholarships, Work Study, or Loans. This includes Alternative, Private Bank Loans.

You may appeal Financial Aid Suspension in writing to Student Financial Services. If the appeal is approved, the student will be on Financial Aid Probation and has one additional semester to meet the credit completion and GPA expectations.

Withdrawing from Classes

Students who receive financial aid during the semester in which they withdraw are not considered to be making satisfactory academic progress. Future aid will be cancelled. Students should contact Student Financial Services to determine how to regain eligibility should they choose to return to Northwest University.

The date of withdrawal will be based on the day the student contacts the Registrar’s Office and indicates a desire to officially withdraw, or the last date of documented attendance, whichever is later. For financial aid purposes students who unofficially withdraw from Northwest University (cease to attend classes without notifying the Registrar), will be considered to have withdrawn after 50% of the semester has passed or the last date of documented attendance, whichever is later.

Student Financial Services will determine the eligibility for a refund of charges for the semester based on the withdrawal date. Tuition will be charged according to the chart below based upon the withdrawal date. Tuition is charged based on the highest number of credits registered for during the semester:

According to federal regulations, federal funds must be returned to federal programs based on the percent of the term that a student is no longer enrolled. Student Financial Services will determine how much of a student’s federal aid was “unearned” as defined by the federal regulations, and then return the “unearned” aid in the following order to the programs from which the student received aid:

1. Federal Direct Unsubsidized Loan
2. Federal Direct Subsidized Loan
3. Federal Direct PLUS Loan
4. Federal Pell Grant
5. Federal Supplemental Educational Opportunity Grant (FSEOG)
6. Federal Teacher Education Assistance for College and Higher Education Grant (TEACH)
7. other Title IV Programs

Institutional aid, including but not limited to grants, scholarships, and tuition credits may be removed from the student’s account during the semester of withdrawal.

If you have received federal and/or state aid in the form of cash to assist you with non-institutional charges, you may need to repay up to 50% of the grant funds that you received. This may include:

• Federal Pell Grant
• Federal Supplemental Educational Opportunity Grant (FSEOG)
• Federal Teacher Education Assistance for College and Higher Education Grant (TEACH)
• Washington State Need Grant

For a detailed copy of the refund calculation, please contact Student Financial Services.

Verification

Verification is a federal process which requires Northwest University to check the accuracy of the information you and/or your parents reported when applying for federal financial aid. Information is verified by securing additional documentation. The documents necessary to verify these items are described on your Award Letter. Corrections to the data will be submitted to the United States Department of Education, if necessary. A revised Award Letter of any specific actions needed or changes to your financial aid award will be sent to you. An award will not be disbursed and federal loans will not be originated until verification is complete. If documents are not submitted within 30 days of request, or one month prior to the end of the semester, the offer of financial assistance may be cancelled.