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Financial aid is a resource for students seeking monetary assistance to help defray the costs of higher education. Eligible students may receive assistance from private entities or from the federal government in the form of grants, loans, and/or scholarship funds. CSU Global is currently eligible to administer the following Federal student aid programs:
Students may obtain more information from Student Financial Services or by visiting CSUGlobal.edu.
Bachelor’s Degrees, Master’s Degrees, and Graduate Certificate Programs
Financial Aid at CSU Global, is processed based on a standard term structure, where an Academic Year is defined as 32 weeks and 24 credit hours for undergraduate students or 12 credit hours for graduate students. Each academic year comprises two payment periods, which are based on the academic trimester. A student's academic year begins with the trimester in which the student takes his or her first course, and includes two consecutive trimesters.
Since our undergraduate certificate programs are less than a full academic year, these programs operate under a non-term structure in which a student’s academic year is 24 weeks and 18 credits in length. Students will have two payment periods, the first payment period covers completion of half the program credits (9 credit hours) and weeks (12 weeks). The second payment period will not begin until the student has successfully completed at least 9 credit hours and 12 weeks.
To be eligible for federal financial aid, students must meet all of the following requirements:
Students should contact Student Financial Services if they have unusual circumstances in order to apply for a professional judgment. A professional judgment allows the Financial Aid Office to review the student's circumstances and determine if an adjustment to their financial aid package can be made. Students should contact their advisor if they have unusual circumstances in order to apply for a professional judgment.
Students who begin attendance in a trimester as less than half-time will not qualify for a financial aid disbursement. To qualify for a financial aid disbursement during that trimester, they must achieve an enrollment status of half-time attendance or higher.
CSU Global Financial Aid Office will complete verification on all students that have been selected by CPS for verification and may be eligible for need-based funding (undergraduate degree programs). We do, however, reserve the ability to select any student that we feel may have submitted incorrect or inaccurate information on the FAFSA application, or if there is conflicting information that must be resolved on the application.
The following are situations in which verification will not be completed at CSU Global, unless there is conflicting data or we choose to complete verification for students on an individual basis.
Students are expected to submit documentation at least 10 days prior to the term in which he or she is applying for aid. Documentation received after this deadline will be reviewed if time permits; however, packaging of aid may be delayed for that term. Students will be notified by email on the day that the ISIR was received, or on the date that the student is enrolled if the ISIR was received prior to admission that their FAFSA was selected for verification. Students will complete the verification process and submit all required documentation through the verification portal. Students are required to use their CSU Global email address and password to log into the verification portal.
Students are asked to submit documentation within five business days. However, they will have up until 10 days before the start of the term to submit the required documentation and still be eligible for timely packaging. We will not award aid, nor will they receive notice of awards until after verification has been completed.
The items that will be verified are based on the group the student was assigned to by the Department of Education in the Federal Register notice published for the award year. CSU Global uses a customized verification portal that will guide students through the correct worksheets and documentation needed based on dependency status and the assigned verification group.
Extensions: Students (spouses or parents) that filed an extension must provide the IRS Form 4868 Application for Automatic Extension of Time to File U.S. Individual Income Tax Return. In addition, students must provide a copy of the Wage and Income transcripts, and any other income documentation that they will use to file taxes, and a signed statement with the amount of their AGI and U.S. income taxes paid.
Filers of joint returns who are no longer married: Students (or parents) who filed jointly but are no longer married due to separation, divorce, or a widow must provide W-2 information for the person whose information is required on the FAFSA.
Amended Taxes: If a student, spouse, or parent is or was required to file an amended tax return, student must submit the Tax Return Transcript from the IRS along with a signed copy of the 1040x form that was filed to amend the return.
Victims of Identity Theft: These individuals are unable to use the DRT and must call the IRS's Identity Protection Specialized Unit (IPSU) at 1-800-908-4490. Once the individual has authenticated his/her identity they can ask that the IRS mail an alternate paper tax return transcript called the Transcript Database View (TRDBV).
In addition to these five elements, the application information will be reviewed for conflicting information. Below are the data elements that will be reviewed for conflicting information during the verification process.
We will report on results through FAA Access to CPS Online for any student that was selected by CPS with a V4 or V5 tracking flag. This will be done at the beginning of each term for students that attend CSU Global.
Our cost of attendance is based on the required components established in the Higher Education Act (Sec. 472), and we use the budget parameters established by the Colorado Commission on Higher Education (CCHE) to determine some of the indirect costs associated with our cost of attendance. Since we only offer 100% online degree programs, we do not include transportation as part of our cost of attendance. We review our student population and costs annually to determine if the costs suggested by the CCHE are still considered reasonable allowable costs for our students.
The cost of attendance includes direct costs, which are tuition, books, and estimated loan fees, as well as indirect costs, which include housing, food, and personal expenses. Students that enroll less than half-time for more than one trimester will have a budget that excludes housing and food. For students that are enrolled less than half-time, their budgets will not include a room and board allowance. Further, students that are living on a military base or who receive Basic Allowance for Housing (BAH) will not have a housing allowance included in their budget. This applies to students where a member of the household (student, spouse, or parent) is receiving BAH during the academic year. Incarcerated students will only have tuition, books, and fees included in their budgets.
Tuition and books are calculated on a per-credit-hour basis, whereas the other elements (housing, food, personal expenses, and loan fees) are calculated on a per-month basis. Original budgets and packaging is based on the assumption that students would attend the same number of credits per term based on their current registration at the time of packaging. For students that begin a new program or academic year in the middle of a trimester (C or D terms), they will have a budget based on six months of attendance since they would not have the opportunity to attend the first portion of the trimester. The calculation for each component is described below and is followed by a chart of amounts for each element.
Students may request a professional judgment if they have special circumstances related to their cost of attendance. Items, such as a need for a computer or childcare costs, may be considered on a case-by-case basis.
|Elements Based on Program Level||Undergraduate Programs||UG Cert programs||Graduate Programs|
|Tuition (Per Credit hour)||328||328||480|
|Books (Per Credit Hour)||32||32||26|
|Loan Fees (per month)||11.25||11.25||24|
|Elements based on Housing status||Off Campus||With Parent||Active Military|
|Housing (per month)||858||223||0|
|Food (per month)||453||280||433|
|Personal Expenses (per month)||156||139||156|
*Active military students, spouses, and dependents that receive BAH will have housing excluded fromtheir cost of attendance.
|Cost of Attendance Component||Undergraduate Full-Time||Undergraduate 3/4 Time||Undergraduate Half-Time||Graduate Full-Time||Graduate 3/4 Time||Graduate Half-Time||Undergraduate Certificate Program|
|Credit Hours Expected AY||24||18||12||12||9||6||18|
|Number of months for AY||8||8||8||8||6||4||6|
|Total Cost of Attendance|
Note: Housing is not included for Active Duty Military students
Students will receive a notification within 30 days of direct loan disbursements posting to their student account, and have up to 14 days from the date of the notification to cancel any funds. Further, students may request cancellation of funds at any time during their academic year. Requested refunds and cancellation of funds disbursed cannot be processed after 120 days from the date of the disbursement.
All students using Direct Stafford Loans at CSU Global will be required to complete the online entrance counseling through StudentAid.gov.
Any student that withdraws, graduates, or drops below half-time will receive an email asking the student to complete the online exit counseling through StudentAid.gov. In addition students will receive the Direct Loan Exit Counseling Guide to both their school address as well as their personal address on file to ensure that they receive the Exit Counseling materials.
Students that are re-entering the university, are placed on SAP warning, or those who are getting close to their aggregate loan limits during their program are asked to complete the Financial Aid Awareness Counseling through StudentAid.gov prior to additional loans being processed. This ensures that students have a clear understanding of their total indebtedness and ability to complete their program.
Financial Aid disbursement occurs when funds have been received from the Title IV program by the school and have been posted to a student’s account. Disbursements are scheduled to be processed on or after day 10 of each term. For standard term programs, financial aid awards are scheduled each term within the trimester to coincide with financial charges. For non-term programs, disbursements are scheduled to be processed on or after day 10 of the student’s first course, and the second disbursement will be processed once the student has successfully completed half of the program credits (9 credits) and half of the weeks of instructions (12 weeks). Disbursement amounts and dates are subject to change based on changes to a student's enrollment status, credit load, and/or cost of attendance. Disbursements (posting of the aid to a student’s account) will not occur until after the census date of each term. A student will not receive a Direct Loan disbursement during a payment period unless they are attending or have successfully completed courses and would be considered half-time.
Students admitted under conditional or provisional admission status without all official transcripts cannot receive financial aid disbursements until all official transcripts have been processed. Conditional Admit students must be fully admitted into the program before they will become eligible for a financial aid disbursement. Students will be responsible for all tuition charges for any term(s) in which they are not eligible to receive financial aid.
In order for a student to be eligible for a disbursement of Federal Direct and Federal Direct PLUS loans, the student must have a valid ISIR on file; have completed a Master Promissory Note and Entrance Counseling; be attending at least half-time for the payment period. For standard term programs, a student’s enrollment status for the payment period is comprised of all courses the student is currently attending plus any courses that were successfully completed (grade of D or better) during the payment period. If a student decides to take a term off within a trimester, aid eligibility will be reviewed to determine the amount of aid the student may still qualify for in the payment period.
In order for a student to qualify for a Federal Pell Grant disbursement, the student must have a valid ISIR on file, have submitted all required verification or clearance documents, and meet the enrollment status based on courses attended for the payment period.
In the event that financial aid exceeds all the expenses for a term, a credit balance is created in the amount due back to the student. Credit balances are released within 14 days of the credit appearing on the student's account. CSU Global uses a third-party service to process all credit balance requests. Students should visit RefundSelection.com and use their personal code to select a refund preference. Students who do not select a preference automatically receive a paper check in the mail 21 days after the refund was processed through the third-party service. It is the student's responsibility to ensure that their mailing address on file is accurate.
Students who are eligible to receive Title IV funds and are expected to have a credit balance, who have submitted all required documentation, and are registered ten days prior to the start of each term will be eligible to receive a Book Allowance Voucher. The book allowance voucher is a tool that allows Title IV recipients to charge the purchase of their books to their student account, and can obtain their books within the first week of the term prior to financial aid disbursements. Students who choose to use the book voucher to obtain books are providing authorization to have the book and shipping charges posted to their student account and the student assumes all responsibility for payment of the charges. Use of the book voucher does not guarantee that you will have enough Financial Aid to cover all charges; it is a tool to assist students in receiving their books before financial aid is processed. Students are not required to use the book voucher and may choose to opt out of this method and obtain books from other sources at their own expense. Issuance of a Book Allowance Voucher does not guarantee financial aid funds will cover the cost of the books. Students are responsible for all book costs charged to their accounts.
Recipients of Title IV Federal Student Aid have options regarding how their funds are applied to their Student Account by CSU Global, including but not limited to authorizing funds be utilized for fees associated with SSA and PLA alternative credit options and book vouchers for Non-Pell eligible students. Students must complete the Financial Aid Authorization form to authorize the university to apply these additional Title IV funds to their account. Students may request to rescind or grant these authorizations at any time by submitting a new authorization form or other written notification. For compliance purposes, CSU Global must assume any blank response or failure to submit the form implies that authorization has not been granted. Authorizations or changes become effective on the date the written notification is received and cannot be applied retroactively.
After you graduate, withdraw, or drop below half-time enrollment status, you will have six months before you begin monthly repayments. This is your grace period. During the grace period for all Direct Loans (subsidized and unsubsidized) disbursed after July 1, 2012, interest will accrue.
The Direct Loan Program offers you a choice of repayment plans. You have the option to change the repayment plan.
Failure to repay a loan according to the terms agreed to when you signed the promissory note will result in a status called default. In many cases, default can be avoided by submitting a request for deferment, forbearance or cancellation and by providing the required documentation before you reach the point of default.
The consequences of default are severe. Action may be taken to recover the money, including notifying national credit bureaus of your default. This may affect your credit rating for up to seven years. The Internal Revenue Service (IRS) might withhold any U.S. individual income tax refund and apply it to the amount that is owed. Additionally, the agency holding your loan may ask your employer to deduct payments from your paycheck. If you decide to return to school with an active default on your account, you will not be eligible for any additional federal student aid until your loan has been repaid or satisfactory payment arrangements have been made.
For more information regarding repayment please visit https://studentaid.gov/manage-loans/repayment
Students who have loans from prior schools may choose to complete the In-School Deferment Form (obtained from their lender) and submit it to their Student Success Counselor. An in-school deferment request will not be certified until the student is enrolled at least half-time for the trimester.
Enrollment statuses are reported to NSLDS every 30 days. Students who are not attending courses during a trimester are reported as less than half-time for that trimester. Enrollment status reporting through NSLDS can affect eligibility for in-school deferments and grace periods on federal Direct loans.
All Title IV student loan and grant information is reported to the National Student Loan Data System. Students have access to review their information by visiting nsldsfap.ed.gov. This system can be accessed by guaranty agencies, eligible lenders, and eligible institutions of higher education for legitimate program operations, such as the need to verify the eligibility of a student or potential student, or parent for loans. The system does prohibit non-governmental researchers and policy analysts from accessing personally identifiable information. For more information about the information that is collected, how it is used, and how it is protected, visit nsldsfap.ed.gov
Students who unregister for classes during the drop period within each term will receive a 100 percent tuition refund for that term. Financial Aid eligibility will be calculated for students that attend during the add/drop week but then drop the course before census. Students will be notified of any eligibility for financial aid funds during this week. Students will be notified of any post-withdrawal eligibility through their CSU Global email account, and students must notify the Financial Aid Office in writing of the amount they wish to accept within 14 days of the notification. Students who withdraw after the drop period for each term will incur tuition charges, regardless of eligibility for financial aid funds (Military students and their families who are residents of Iowa should contact Student Accounts regarding refunds and compliance with Iowa Code Section 261.9(1)g).
Students who are Title IV funds recipients are considered to be withdrawn for financial aid purposes and are subject to the Federal Return of Title IV funds calculation if one of the following conditions applies:
The Return of Title IV funds calculation determines the amount of aid the student earned based on the percentage of time the student participated in coursework during the trimester and is completed within 30 days of the date of determination. If it is determined that the student has not earned the full amount of the financial aid that was disbursed, CSU Global will return the unearned portion of funds to the U.S. Department of Education within 45 days from the date of determination. This may create a balance of unpaid charges with the university for which the student is responsible.
The law specifies how CSU Global must determine the amount of Title IV program assistance students earn if they withdraw from school. The Title IV programs offered by CSU Global that are covered by this law are Federal Pell Grants, Iraq and Afghanistan Service Grants, Stafford Loans, and PLUS Loans.
The Return to Title IV calculation is based on the student’s last date of attendance.
Students who withdraw for the term or trimester are considered "official" withdrawals for financial aid purposes, and the withdrawal date for the calculation will be the date that the school was notified of the student's intent to withdraw or the date the student withdraw themselves from all courses within the term or trimester. The calculation for official withdrawals is based on the percentage of time attended in the payment period prior to the date of withdrawal. For students who officially withdraw, and receive grades of W for all courses within a term or trimester, the amount of assistance earned is determined on a pro rata basis using the last date of academically related activity. For example, if a student completed 30 percent of the trimester, they earn 30 percent of the assistance originally scheduled to receive. Once more than 60 percent of the trimester is completed, the student earns all the assistance scheduled to receive for that period.
Students who earn all grades of W or WA for a term or a trimester are considered to have ""unofficially"" withdrawn. F grades are considered completed credits for Title IV purposes because they are earned grades at CSU Global; therefore, students who earn all F grades will be considered to have completed the courses and will not be treated as unofficial withdrawals. The last date of academically related activity is used to determine the percentage of aid earned during a term or trimester for all unofficial and retroactive withdrawal. If a student (or school or parent on the student's behalf) received less assistance than the amount earned, the student may be able to receive those additional funds. If more assistance was received than earned, the excess funds must be returned by the school and/or the student.
If the student did not receive all of the funds earned, they may be due a post-withdrawal disbursement. If a post-withdrawal disbursement includes loan funds, the student must give permission before the funds can be disbursed. The student may choose to decline some or all of the loan funds so that additional debt is not incurred. Students will receive a letter providing the amount of loan funding they qualify for and must return the signed form within 14 days from the date of the letter in order to receive the post-withdrawal disbursement of loan funds. If a student qualifies for a post-withdrawal disbursement of grant funds, CSU Global will automatically apply these funds toward tuition and fees; student permission is required to use the post-withdrawal grant disbursement for all other school charges. If the student does not provide permission, the funds will not be processed. It may be in the student's best interest to allow CSU Global to keep the funds and reduce their debt to the school.
Some Title IV funds scheduled for disbursement may not be disbursed once the student withdraws because of other eligibility requirements. For example, if a student is a first time borrower and has not completed the first 30 days of their program before withdrawal, the student will not receive any Direct Loan funds that would have normally been received if enrolled past the 30th day. Another example is if a student has already received a disbursement of Direct Loans within the payment period the student would not qualify for a subsequent disbursement of funds.
If a student (or school or parent on the student's behalf) receives excess Title IV program funds that must be returned, the school must return a portion of the excess equal to the lesser of:
The school must return this amount even if it didn't keep this amount of Title IV program funds. Funds that are returned to the federal government are used to reimburse the individual federal programs from which a student has received the aid. Financial aid returned (by CSU Global and/or the student or parent) must be allocated, in the following order, up to the net amount disbursed from each source:
If CSU Global is not required to return all of the excess funds, the student must return the remaining portion. Returned loan funds from the student (or parent for a PLUS Loan) must be repaid in accordance with the terms of the promissory note with scheduled payments to the holder of the loan over a period of time.
Any amount of unearned grant funds that the student must return is called an overpayment. The maximum amount of a grant overpayment that must be repaid is half of the grant funds the student received or was scheduled to receive. Students do not have to repay a grant overpayment if the original amount of the overpayment is $50 or less. Students are responsible to make arrangements with CSU Global or the Department of Education to return the unearned grant funds.
The requirements for Title IV program funds when a student withdraws are separate from any refund policy of the school. Therefore, the student may still owe funds to CSU Global to cover unpaid institutional charges and may also be charged by CSU Global for any Title IV program funds that the school was required to return.
Students who have questions about Title IV program funds should call the Federal Student Aid Information Center at 1-800-4-FEDAID (1-800-433-3243). Text Telephone (TTY) users may call 1-800-730-8913. Information is also available on Student Aid at www.studentaid.ed.gov.
Federal and state regulations require that all students receiving Title IV federal financial aid at the university meet standards for satisfactory academic progress to maintain eligibility for their financial assistance. Satisfactory Academic Progress (SAP) applies to all students and denotes successful completion of coursework towards a degree in each payment period. Students who fail to achieve minimum standards for grade point average and/or course completion rate (CR) in a Maximum Time Frame (MTF) will face loss of eligibility Title IV federal financial aid. SAP is calculated after grades post for the last term of the trimester. Students who are not meeting SAP are notified by email of the status and how it impracts their Title IV financial aid funding. The following table outlines Title IV fund eligibility based on a student's academic status:
Eligibility for Title IV Funds
Good Academic Standing
Academic Issues Hold
SAP FA Termination
SAP Academic Suspension
* Financial aid students in Academic Probation status will be moved to a Financial Aid SAP Termination status, and are not eligible for Title IV funds unless a student appeal has been approved by the institution. The university will only approve a financial aid appeal if it determines that the student should be able to meet the minimum standards for Satisfactory Academic Progress during the next trimester or if the student is placed on an academic plan developed by the institution.
Students must meet the following minimum qualitative and quantitative standards of SAP in order to be eligible for Financial Aid.
Qualitative - Cumulative Grade Point Average (GPA):
Quantitative - Completion Rate (CR) & Maximum Time-frame (MTF):
Satisfactory Academic Progress requirements are reviewed on a trimester basis, regardless of the number of credit hours attempted during the trimester.
Students who do not meet the SAP minimum requirements will be placed on a financial aid warning status for the following trimester in which they attempt credits. If at the end of the warning trimester the student still has not met the minimum SAP requirements, the student is no longer eligible for financial aid and their SAP status will be updated to SAP FA Termination. A student may appeal a SAP FA Termination status in order to regain eligibility for one additional trimester (or the length of the academic plan).
Students may appeal their Financial Aid Termination if an extenuating circumstance that was beyond the student's control occurred and prevented the student from successfully completing their coursework. Examples of extenuating circumstances include documented health issues that unexpectedly occurred, a death of a family member, or a natural disaster. Other circumstances may be considered if documentation is provided to the committee and the student demonstrates that the circumstance was outside of the student's control.
In order to appeal, the student must (1) submit an appeal of the termination, stating the reasons for the appeal, and (2) be able to reasonably meet SAP within the following trimester. If the student cannot meet SAP in one trimester, he or she may be eligible to have two trimesters with an appeal and a specific, approved academic plan on file.
CSU Global retains student records in compliance with state and federal authorities. All records are securely maintained in an electronic format through the university's Student Information System (CampusVue).
CSU Global retains the following types of student financial aid records for at least the minimum duration listed:
This policy applies to all employees in Student Financial Services and all other CSU Global employees who have responsibilities related to education loans or other forms of student financial aid. Agents of the university with responsibility for education loans or other student financial aid are also expected to abide by the terms of this policy.
Institutional Policy Regarding Education Loans and Student Financial Aid
Employee Code of Conduct
Violations of this Policy may result in disciplinary action, up to and including dismissal.
In the event that an employee is found to have violated this policy, a meeting will be held with Human Resources to determine the course of action to be taken.