Students attending the College will be classified by grade level based upon the number of credit hours earned. Transfer credit hours that have been officially accepted by the College will be counted towards a student’s earned hours when determining grade level.

Grade Level Classification:

Freshman Level: 1-30 credit hours earned

Sophomore Level: 31-60 credit hours earned

Junior Level: 61-90 credit hours earned

Senior Level: 91-120 credit hours earned

SPECIAL NOTE: Eligibility for federal, state, and institutional aid will be determined in part by total credit hours earned by the student.

Financial aid is first applied to all outstanding balances owed to the College by the student for each semester. Financial aid funds are applied each semester after the 100% refund period of the semester. The amount of the award applied to tuition costs is determined in part by the amount of registered credit hours for each student in each semester. Student loan proceeds will not be received and disbursed by the College until the student has electronically signed their Master Promissory Note (MPN) and has met all other eligibility requirements.

If financial aid funds are more than enough to cover all outstanding balances owed to the College for the semester then a student may be eligible for a refund of student financial aid funds. Refund checks will be processed on a weekly basis after financial aid funds have been fully disbursed and the student has met all eligibility requirements. Eligible student refund checks will be mailed directly to the student at the address on file with the College, no exceptions.

Any changes to a student’s registered hours in a semester or financial aid record can delay the disbursement of funds and the processing and/or receipt of student refunds. In the event a student receives a refund of financial aid funds and subsequently becomes ineligible for the refund, the student is responsible for repaying the College for the amount they are no longer eligible to receive.

Overview

Any student receiving any type of federal, state or institutional aid is required to maintain Satisfactory Academic Progress to continue to receive financial aid at The Christ College of Nursing and Health Sciences. Federal regulations stipulate that each student’s entire academic record be reviewed for Satisfactory Academic Progress, including terms for which a student did not receive financial aid.

Requirements

a. Eligibility: To be eligible for financial aid at TCCNHS, students must meet all three (3) criteria defined below to qualify for the Satisfactory Academic Progress (SAP) requirement.

b. GPA Requirement: Maintain a cumulative grade point average (GPA) of 2.0 or higher each academic semester or session to meet SAP progress requirements.

c. Credit Completion Requirement (CCR): A student must earn hours equal to at least 67% of the total cumulative hours attempted for after each academic semester in which they are enrolled with grades of “A,” “B,” “C” to remain in good SAP standing. Example: John takes 16 credit hours and fails two courses. Course #1 is a 3-credit hour course, and course #2 is a 1-credit hour course. John would satisfy this component of the satisfactory academic progress requirement because he has earned 12 of 16 credits or 75% of hours attempted (12 ÷ 16 = 75).

d. Maximum Time Limit or Time to Degree: Students must complete their programs of study before they have attempted more than 150% of the published required credit hours for the degree program. This equates to 150% of the total number of credit hours. Students that exceed 150% of the hours attempted will not be eligible for financial aid.

Example One: 71 credit hours are required to obtain the Associate of Applied Science degree in nursing. In this case, 71 total credit hours X 1.50 or 150% = 106.5 hours.

Example Two: Allen is enrolled at TCCNHS for 3 years. Some semesters he has gone full-time (12-19 hours) while others he has dropped below full-time status. After applying for permission to go beyond three years, in the fall semester of his fourth year, Allen will reach 112 hours. Because he has exceeded the allowable limit (106.5 hours), Allen will no longer receive financial aid at The Christ College.

Evaluation of Satisfactory Academic Progress

A student’s Satisfactory Academic Progress (SAP) is reviewed once every academic semester. At each point in time, a student will be assigned one of four designations. Note that these statuses may be in addition to other types of academic or disciplinary probation.

1. Good Standing: Student continues to receive financial aid because he or she has demonstrated satisfactory academic progress.
2. Financial Aid Warning Status: A student will continue to receive financial aid for the next semester, but must complete SAP standards by the end of the semester in which he/she was on warning.
3. Financial Aid Probationary Status: A student who was on “Warning Status” in the prior semester and failed to meet the SAP standards. Student will only be eligible for financial aid after appealing the loss of financial aid and financial aid eligibility being reinstated by the Director of Admissions and Financial Aid.
4. Financial Aid Termination Status: Student will no longer continue to receive financial aid until such time as he or she demonstrates satisfactory academic progress.

Failure to Meet Satisfactory Academic Progress

Actions Taken for Failure to Meet Satisfactory Academic Progress

Students will be notified by the Financial Aid office of actions taken for failure to meet satisfactory academic progress.

1. Financial Aid Warning Status a. Students who do not meet the above criteria after being in good standing will be placed on “warning” and will continue to receive financial aid.
2. Financial Aid Probationary Status a. Students not meeting the above criteria for two consecutive semesters will be placed on Financial Aid Probationary Status (FAPS) and will not have access to financial aid eligibility. After being placed on probation students must appeal to the Director of Admissions and Financial Aid for reinstatement of their financial aid eligibility. If the appeal is granted, financial aid eligibility will be reinstated and the student must meet the SAP criteria and any other stipulations designated by the Director of Admissions and Financial Aid as part of the reinstatement.
3. Financial Aid Termination Status a. Students who fail to meet the above criteria for three consecutive semesters or fail to meet the standards established as part of their probationary reinstatement will no longer receive federal (Title IV), state, and institutional assistance until he or she meets all satisfactory academic progress criteria. Students may appeal their termination status to the Director of Admissions and Financial Aid by following the financial aid appeal process.

Financial Aid Appeal Process

a. Appeal and Reinstatement:

1. Students wishing to regain financial aid eligibility after being placed on “probation status” must appeal their probation status by submitting a Financial Aid Appeal Form within in five (5) business days of receiving the official probation status notification. Only the following documented circumstances will be considered for an appeal: > * Death of a relative > * Injury or illness of the student > * Other special circumstances
2. Once the form and all appropriate documentation have been completed, the student submits the original form to the Director of Admissions and Financial Aid or designee. Students must provide information regarding why they failed to meet the SAP criteria and what has changed in their situation that will allow them to meet the SAP criteria by the next evaluation period. The director or designee provides the students with a time stamped copy for his or her files.
3. The appeal is reviewed by a committee comprised of the following individuals and a decision is made to either accept or reject the appeal: > * Director of Admissions and Financial Aid > * Registrar/Bursar > * College Designee
4. Once the appeal committee has issued its decision, the student has the option of appealing that committee’s decision to the Dean of Enrollment Management within five (5) business days of receiving the notification of the appeal status. The Dean of Enrollment Management will review and communicate whether he or she upholds or rejects the committee’s decision. The decision of the Dean of Enrollment Management is final.

Other Factors Affecting Satisfactory Academic Progress

a. Withdrawals, incomplete courses, repeated courses, and transfer credits count towards a student’s compliance with the CGPA, completion rate and maximum time frame standards of this policy. Re-evaluation of the maximum time frame will be considered for individual situations.

Withdrawal from Class and Return of Funds

When a student who has received federal financial aid funds (Title IV funds) withdraws from the College during a semester, federal regulations require the College to determine the amount of “unearned” funds that must be returned to the federal aid programs. This requirement is effective only if the student completely terminates enrollment (i.e., cancels his/her registration, withdraws, or is dismissed) or stops attending classes before completing more than 60 percent of the semester.

The amount of Title IV funds “earned” is determined by multiplying the total amount of Title IV aid (other than federal work-study) for which the student qualified during the semester by the percentage of time the student was enrolled during the semester. The percentage of time enrolled is determined by dividing the number of calendar days enrolled (through the withdrawal date) by the total number of calendar days in the semester (less any scheduled break of 5 or more days). The difference between “earned” funds and total Title IV funds awarded is “unearned” and must be refunded. Once a student has completed more than 60% of the semester, he or she earns 100% of the Title IV funds awarded for the semester.

The Unearned Amount of Title IV aid must be returned to the applicable Title IV aid programs in the following order:

1. Direct Unsubsidized Loan
2. Direct Subsidized Loan
3. Direct PLUS Loan
4. Pell Grant
5. ACG Grant
6. Other Title IV aid

State and Institutional Refund Policy

State and institutional funds will be adjusted whenever a student drops credit hours or withdraws completely during the semester. Those funds must be refunded to either the State (per regulations) or to the College. Institutional funds will be refunded based upon the Title IV Withdrawal Refund schedule when appropriate.

Ohio College Opportunity Grant Refund Policy

Edited 10/5/16

The purpose of this document is to describe the reimbursement policies campuses are required to follow regarding the Ohio College Opportunity Grant (OCOG) program. The OCOG reimbursement policies go into effect beginning in AY 2006-2007, and are analogous to those used for the Ohio Instructional Grant (OIG) program.

Calculating an OCOG Refund for Students Who Withdraw from All of Their Courses at the Institution

If a student withdraws from the institution during an academic term, the amount of the OCOG refund will be determined by the refund schedule of the institution. The total refund as a percent of the total instructional and general fees charged to the student shall constitute the percent of the OCOG award for the term which is to be refunded to the Ohio Department of Higher Education.

For example, if a student withdraws and is entitled to a refund of 85 percent of the total instructional and general fees charged for the term, the institution must refund 85 percent of the student’s OCOG allotment for the term to the Ohio Department of Higher Education. If a student withdraws and is entitled to a refund of 100 percent of the total instructional and general fees charged for the term, the institution must refund 100 percent of the student’s OCOG allotment for the term to the Ohio Department of Higher Education.

Calculating an OCOG Refund for Students Who Drop Below 12 Credit Hours (or the Equivalent)

If a student reduces his or her enrollment to three-quarters time, one-half time, or less than half-time prior to an institution’s census or “freeze” date, the OCOG allotment for the term must be reduced to the corresponding enrollment level.

If a student drops below 12 credit hours after the institution’s freeze date, but during the institution’s refund period, the amount of the OCOG refund will be determined by the percentage reduction in the student’s actual fee charges.

For example, if a student drops from 12 credit hours with tuition/fee charges of $450 to 8 credit hours with tuition/fee charges of $340, the tuition fee reduction would be $110 or 24 percent. Consequently, the institution would refund 24 percent of the student’s OCOG allotment for that term to the Ohio Department of Higher Education.

The student will be billed and financially responsible for any and all payment(s) due to the College resulting from the above policies.

Examples of Return of Funds calculations are available in the Financial Aid Office.

The Christ College of Nursing and Health Sciences (TCCNHS) together with Joseph-Beth Booksellers have developed the following guidelines and procedures for students who wish to use their anticipated financial aid refund to purchase required and recommended books and supplies. Eligible students may only receive a book voucher at the Financial Aid Office.

Book Voucher Eligibility

To be eligible for a TCCNHS Book Voucher, a student must meet the following requirements:

1. Have a valid FAFSA on file with TCCNHS
2. Have completed verification process with the financial aid office if applicable.
3. Have signed a master promissory note (MPN) for Direct Student Loans if applicable.
4. Have a completed financial aid file.
5. Be in good standing of Academic and Financial Aid SAP policies.
6. Have registered for a minimum of 6 credit hours.
7. Have financial aid in excess of tuition charges for the semester.
8. Have no outstanding balances owed to the College for the current or previous semesters.

Book Voucher Guidelines

1. Only one book voucher per student.
2. Book vouchers are only available for fall, spring and summer semesters.
3. Book vouchers expire at close of business on the final day of the 100% refund period.
4. No book vouchers will be given after the final day of the 100% refund period.
5. Can receive up to $1000 in a book voucher depending on individual eligibility. A minimum of $100 must be available in a pending refund to process a book voucher.
6. Students are not permitted to purchase books or supplies for other students.
7. Only required or recommended books and supplies for the currently enrolled semester will be permitted.
8. Book vouchers must be used at the Joseph-Beth at Christ Hospital store only to purchase required or recommended books and supplies.
9. At time of purchase, student must show Joseph-Beth Booksellers your College ID badge or photo ID.
10. Only the Director of Admissions and Financial Aid or approved college designee are authorized to sign the TCCNHS Book Voucher Form.

Book Voucher Process

1. Book Voucher Forms are available at the Financial Aid Office beginning one week prior to the start of the semester or at designated dates as determined by TCCNHS in conjunction with Joseph-Beth.
2. Book voucher requests will not be processed by email or phone. Requests must be made in person at the Financial Aid Office.
3. A book and supplies fee will be charged to the student account for the amount invoiced by Joseph-Beth Booksellers.
4. The completed book voucher should be considered as cash and if a student misplaces the voucher or loses the voucher, another voucher will not be issued.
5. For your first purchase at Joseph-Beth at the Christ Hospital store, you will be required to give them your Financial Aid voucher. They will set up an account in your name and in return, provide you with a Special Payment Card with the allotted financial aid loaded on the card. Each time you purchase, you will need to pay with this card. This is considered cash and if a student misplaces the Payment Card, another voucher will not be issued.
6. The Joseph-Beth Payment Card can only be used at Joseph-Beth at Christ Hospital and the student must present their College ID or photo ID at the time of purchase.
7. Joseph-Beth Booksellers will reconcile with TCCNHS approximately 30 days after the start of the semesters. Approved book vouchers will expire the day after the 100% tuition refund schedule of the College.

In accordance with the Higher Education Opportunity Act (HEOA), institutions of higher learning are to develop and comply with a code of conduct with regards to the administration of educational student loans. The purpose of this code is to prohibit conflict of interest between the makers of these loans and personnel of the College. The College’s primary commitment with respect to student loans is to ensure that borrower benefits and services are in the best interest of the student and parent borrowers.

The following provisions will serve as a guide in meeting this requirement:

1. The College is prohibited from entering into any revenue sharing arrangement with any lender. Revenue sharing arrangement is defined as an arrangement between a covered institution and a lender under which:

• A lender provides or issues educational student loans to students or families of such students attending the institution; and The institution recommends the lender or loan product of the lender
• and, in exchange, the lender pays a fee or provides other material benefits, including revenue or profit sharing, to the institution.

1. Employees of the financial aid office or others who otherwise have responsibilities with respect to educational student loans must not solicit or accepts gifts from a lender, guarantor, or a loan service provider. The term gift means any gratuity, favor, discount, entertainment, loan, or other item having a monetary value more than a de minimus amount. The term includes a gift of services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after an expense is incurred.
2. Financial Aid personnel or other College personnel who are otherwise responsible with respect to educational student loans must not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit as compensation for any type of consulting arrangement or other contract to provide services to a lender for or on behalf of a lender relating to educational student loans.
3. The College will not assign, through award packaging or other methods, lenders to any first time borrower; or refuse to certify or delay the certification of any loan based on the borrower’s selection of a particular lender or guaranty agency.
4. The College will not request or accept from any lender any offer of funds to be used for private education loans to students in exchange for the institution providing concessions or promises regarding providing the lender with:

• A specific number of educational student loans;
• A specific loan volume for such lender; or
• A preferred lender arrangement for such loans.

1. The College will not request or accept from any lender any assistance with financial aid office staffing.
2. Any College financial aid office personnel or anyone else who has educational student loan responsibilities who serves on an advisory board for a lender or guarantor will not receive anything of value from the lender or guarantor except reimbursement for reasonable expenses incurred while serving on such advisory board, commission or group.

Student Rights:

• You have a right to know the name of a school’s accrediting organization.
• You have a right to know about a school’s program; it’s instructional, laboratory, and other physical facilities and its faculty.
• You have a right to know what the cost is of attending and what the school’s policy is on refunds to students who withdraw from the College.
• You have the right to know what financial aid programs are available at your school.
• You have the right to know the deadlines for submitting applications for each of the financial aid programs available.
• You have the right to know how financial aid will be distributed, how decisions on that distribution are made, and the basis for these decisions.
• You have the right to know how your financial need was determined. This includes how costs for tuition and fees, room and board, transportation, books and supplies, personal and miscellaneous expenses are considered in your budget.
• You have the right to know what resources (parental contribution, other financial aid, your assets) were considered in the calculation of your need.
• You have the right to know how much of your financial need, as determined by the institution, has been met.
• You have the right to request an explanation of the various programs in your student aid package.
• You have the right to know what portion of the financial aid you received must be repaid and what portion is grant aid. If the aid is on a loan, you have the right to know what the interest rate is on the loan, the total amount that must be repaid, the payback procedures, the length of time you have to repay the loan, and when repayment is to begin.
• You have the right to know how the school determines whether you are making satisfactory progress and what happens if you are not satisfactorily completing the requirements.

Student Responsibilities:

• When you sign a promissory note, you are agreeing to repay according to the terms of the note. This note is a legally binding document. This commitment to repay means that, except in cases of cancellation, you will have to pay back the loan–even if you do not complete your education, are not able to get a job after you complete the program, you are dissatisfied with, or do not receive, the educational or other services you purchased from your school.
• You must make payment on your loan even if you do not receive a bill. Billing statements (or coupon books) are sent, as a convenience to the borrower, but not receiving them does not relieve you of your obligation to make payments.
• You must attend an exit interview if you accepted any loans and leave school before graduation.