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   * Transcripts
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   * Application
   * Tuition Overview
   * Financial Aid
 * Contact
 * Apply

 * Home
 * About
   * History
   * Mission and Purpose
   * FAQ
 * Academics
   * Academic Calendars
   * Accreditation
   * Undergraduate Degrees
   * Graduate Degrees
   * Transcripts
   * Faculty Directory
 * Admissions
   * Application
   * Tuition Overview
   * Financial Aid
 * Contact
 * Apply

 * Home
 * About
   * History
   * Mission and Purpose
   * FAQ
 * Academics
   * Academic Calendars
   * Accreditation
   * Undergrad Degrees
   * Graduate Degrees
   * Transcripts
   * Faculty Directory

 * Home
 * About
   * History
   * Mission and Purpose
   * FAQ
 * Academics
   * Academic Calendars
   * Accreditation
   * Undergrad Degrees
   * Graduate Degrees
   * Transcripts
   * Faculty Directory


 * Admissions
   * Application
   * Financial Aid
   * Tuition Overview
 * Contact
   * Transcript Requests
   * Faculty Directory
   * Send Message
 * Apply

 * Admissions
   * Application
   * Financial Aid
   * Tuition Overview
 * Contact
   * Transcript Requests
   * Faculty Directory
   * Send Message
 * Apply


FINANCIAL AID

Learn more about financial aid opportunities

Funding for a college degree can be a major concern for students.  However,
there are programs available that can assist in this area.  Hobe Sound Bible
College is approved to receive Pell Grants and Student Loans which are provided
through the United States Department of Education for eligible students.

Types of Financial Aid



There are two types of financial aid that are available through the US
Department of Education.  Pell Grants are monies given for educational purposes
and do not have to be paid back to the government.  Student Loans are temporary
loans of money but they are not free and will need to be paid back to the
government once the degree has been completed or the student has stopped taking
classes.

Applying



Students seeking financial aid must fill out the Free Application for Federal
Student Aid (FAFSA) at www.FAFSA.ed.gov.  Hobe Sound Bible College’s school code
is 015463. The FAFSA must be completed whether a student is applying for a Pell
Grant or is wanting a Student Loan.  The application is good for an entire
school year (summer, fall, and spring).

Criteria



Once a student is approved for financial aid, two other stipulations need to be
emphasized.

 1. A student must be enrolled in a degree program and must be taking courses
    that will count toward that degree.
 2. A student must maintain a 2.0 (C) grade-point average to continue receiving
    funds.

Disbursement



Each class session lasts seven weeks with two sessions occurring per semester. 
Funding is determined according to each session.  Two courses is considered a
full load and one course is considered part-time.  Funding for Pell is provided
for three semesters, or six sessions.  Considered another way, Pell Grants can
be used for up to twelve individual courses during the year.

Funding for the session is submitted to the government after the drop/add period
which is 2 weeks after the course begins.

Refunds



If a student receives more money than what the courses cost, this money can
either be used for out-of pocket expenses or can be left in the student account
to cover additional future courses not covered by Pell Grants.  If a student 
desires to receive this extra money for personal expenses, it must be requested
from the business office.  However, because of the pay-back policy of the
federal government for withdrawal from courses (determined by how long a student
stays enrolled in a class), no monies will be sent to the student until the
courses have been completed at the end of the session.

Student Loans



To begin the process of acquiring a student loan, go to www.studentloans.gov. 
After you have completed your Master Promissory Note (MPN) and entrance
counseling at www.studentloans.gov, contact the Director of Financial Aid to
apply for your student loan.

Eligibility for Student Loans is based on taking 6 credit hours per semester. 
Taking one class in a session will not qualify for a student loan unless a
second class is taken the next session within the same semester.

Satisfactory Academic Progress (SAP)



In order to maintain financial aid eligibility for Title IV financial aid
programs a student must make Satisfactory Academic Progress (SAP) toward
obtaining a degree. The student must maintain a minimum grade point average
(GPA) of 2.0, meet the unit completion requirements for your enrollment status,
and not exceed the maximum time frame for your program. Failure to do so will
result in a loss of eligibility for future financial aid. SAP Progress is
monitored at the end of each semester.

Minimum Standard Requirements

Qualitative measure (Cumulative GPA)





A student must maintain a minimum cumulative grade point average of 2.0. Grades
below a D (F, I, W and AU) are not considered part of the GPA and may place you
in a credit shortage status.

Quantitative Measure (Credit Hour Progression)





You must complete at least 67% of credit hours attempted each semester to remain
on track. Credit hour progression will be based on a cumulative total of
attempted hours to earned hours. For example, a student who attempted 30 credit
hours but actually completed 19 of them would only have completed 63% of all
credits attempted. This is not satisfactory academic progress. If the same
student completed 22 credits that would be 73% and would be considered
satisfactory academic progress.

Maximum Timeframe to Complete a Degree





The maximum allowable timeframe for receiving aid is equal to 150% of the length
of your academic program. For example, a full-time student who attempts 16
credits in a semester must complete at least 12 credits. Units that are not
completed will count towards units attempted for a degree.
If you are a transfer student, your accepted transfer coursework will be counted
in the maximum timeframe. You can repeat a course, but the credits will be
applied toward the maximum timeframe.
Required remedial coursework will not be counted toward your maximum timeframe
(up to 30 credits).

--------------------------------------------------------------------------------

Financial Aid Warning: Students who have not met the minimum standard
requirements for the previous semester will be placed on a Warning Status.
Students who do not meet Minimum Standard Requirements at the end of their
Warning semester, will be placed on probation for the next term. Students who
are on a Warning Status are required to do the following:

 * Talk with the Academic Adviser to schedule a plan of accountability and
   academic supervision in the area of need.
 * If needed, talk with the professor of each course in which there is a
   problem.
 * Financial Aid Probation: Students who have not met the minimum standard
   requirements (after being placed on warning) will be placed on probation and
   therefore disqualified from receiving Financial Aid. Students who are on
   probation will be required to do the things listed above. 
 * Appeal Process: If extenuating circumstances have affected the student’s
   progress, an appeal may be submitted in writing. To file an appeal, the
   student must contact the Financial Aid Office and submit any requested
   documentation necessary to support his/her claim of mitigating circumstances.
   The student must also explain why he/she failed to make SAP and what has
   changed that will allow him/her to make SAP at the next evaluation.
 * Submitting an appeal does not guarantee approval. Students awaiting a
   response may be responsible for paying their tuition fees by the payment
   deadline specified.

Probation Status: If a student’s appeal is approved, the student will receive a
letter from the Financial Aid Director notifying him/her of the decision. The
student will be placed on “probation” and will retain federal aid eligibility.
If, following the semester of “probation”, the student fails to make SAP, he/she
will lose federal aid eligibility.

Additional Resources


 * fastweb - Free scholarship search database
 * FinAid! - General financial aid information including calculators for
   expected family contribution, loan repayment information, and student aid
   programs
 * nelnet - Financial Aid 101, budget calculators, scholarship search engine,
   FAFSA assistance
 * Florida Student Financial Aid - Answers to your questions about Bright
   Futures Scholarships, Florida grants and other scholarships.

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Hobe Sound, FL 33475
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