Otterbein admissions essay

Aid recipients must be regular students enrolled in an approved degree or certificate program. Financial aid may consist of single or combined offers of non-repayable scholarships and grants, loans and part-time campus employment. The total grant and merit assistance from Otterbein will not exceed tuition.

Federal Grants and Stafford Student Loans are awarded to eligible students during any period of enrollment, including summer.

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University funds need based or scholarships are not available for students attending in the summer, or less than full-time. Financial aid is awarded with the expectation that it will be renewed annually on the basis of funds available, academic progress toward a degree, eligibility, and continued financial need. The suggested timeline for applying for financial aid is between January 1 and April 1 of the year preceding enrollment.

Below is a description of the types of financial aid offered or administered by Otterbein University. Students must be degree-seeking.

Financial Assistance

Otterbein Grants Otterbein Grants are University funds awarded to students on the basis of demonstrated financial need to full-time undergraduate students Completion of the FAFSA is required. Students who are residents of Delaware, Michigan, Pennsylvania, Rhode Island and Vermont may receive state grants which may be used to help meet educational costs at Otterbein University.

Students should contact their high school guidance counselors or state Department of Education for further information. The Federal Pell Grant is available to all levels of enrollment if student is eligible. The expected family contribution produced through the Free Application for Federal Student Aid must be between full-time enrollment.

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Priority is given to students with Federal Pell Grant eligibility. Half-time minimum enrollment is required. Federal Perkins Loan A limited number of students who demonstrate exceptional financial need are awarded the Federal Perkins Loan.

Interest is not charged while the student is enrolled at least half-time 6 credit hours per semester. Student applicants must meet eligibility requirements to receive federal student aid and meet satisfactory academic progress requirements. The Federal Direct Stafford Loans are a form of aid that must be repaid by the student borrower.

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Federal Direct Stafford Loans are either subsidized or unsubsidized. A subsidized loan is awarded based on financial need. The borrower will not be charged interest before repayment begins or during deferment periods.

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An unsubsidized loan is not awarded on the basis of need. The borrower will be charged interest from the time the loan is disbursed until it is paid in full by the borrower. If the borrower chooses not to make interest payments and allows the interest to accrue accumulate while in-school or during other periods of nonpayment, the interest will be capitalized.

This means the interest will be added to the principal amount borrowed and additional interest will be based on that higher amount. Both parent applicants and students must meet eligibility requirements to receive federal student aid, and students must meet satisfactory academic progress requirements. Private loan programs are designed to bridge the funding gap when savings, grants, federal loans, and other resources are not enough or simply not available. Students have the option to borrow private loans directly from a lender. There are many options available to you.

It is important to note that all loans are not equal. Pay special attention to interest rates, fees, credit scoring and co-signing. An online lender comparison list is provided to assist you in reviewing your loan options. Please contact the Office of Financial Aid if you choose not to utilize a lender from the list so that we are made aware of your loan application. Before you look at private loans, make sure that you have exhausted all possibilities for federal and state financial aid programs.

Exploring your options now may save you time and money in the future. If you have specific questions or concerns regarding private loans, we suggest you contact the lender directly. Students are required to return this form to their lenders prior to disbursement of the loan. In order to complete this form you will need to know your Cost of Attendance and Estimated Financial Assistance.

A student may borrow once per calendar year. Loan checks are made payable to the student and are issued only after the student is in classroom attendance at the University. Interest accrues from the date the loan check is issued and continues until the loan is paid in full. Monthly repayment of the loan plus interest begins six months after graduation or withdrawal and may be extended no more than months from date first payment is due. A deferment may be arranged if the borrower returns to school in an accredited program.

To be eligible for a loan, an applicant must have been received into full membership in the Church for at least one year prior to application, be a citizen of the United States or have permanent resident status and have a C grade average or better.

Loans are available to undergraduate and graduate students. Applications may be obtained from the Office of Financial Aid. Additional information may be found at www. Eligibility for the loan is determined by the Financial Aid Special Circumstance Committee and bears an interest rate of five percent. Institutional Loan s Institutional loans are university-based, short-term loans made to students in emergency situations.

Summer employment is Non Federal Work-Study and is determined by the department that is hiring the student. Students may work no more than 40 hours a week during periods of university scheduled breaks. Students are paid the 10th of each month by Direct Deposit.

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Job openings are posted on-line at www. Students should apply for jobs soon after the beginning of classes. Federal College Work-Study Federal Work-Study is funded jointly by the University and the federal government and provides part-time employment to students who demonstrate financial need. Selection of the recipients and determination of the amount each student may earn during the academic year is made by the Office of Financial Aid. Non-Federal College Work-Study Non-Federal Work-Study is funded entirely by the University and provides part-time employment primarily to students who do not demonstrate financial need.

A limited number of jobs are available during both the academic year and the summer on a first-come, first-served basis. The scholarship is renewed annually providing the recipient maintains fulltime enrollment and satisfactory academic progress. Vocational Rehabilitation Benefits Benefits are available to eligible students who have disabilities that are considered a handicap to employment.

Specific information may be obtained by contacting the local State Bureau of Vocational Rehabilitation Office.

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Recipients must notify the Office of Financial Aid annually regarding their eligibility. Veterans Benefits Benefits are available to eligible veterans of the Armed Forces and eligible spouses, widows, widowers and children of veterans who died or are permanently and totally disabled as a result of service in the Armed Forces. Employee Benefits Many corporations and small companies offer financial aid benefits to employees or their children.

Often these sources are overlooked by students and their families.

Applying for Admission

For more information contact the personnel office or supervisor of your employer. The Tuition Exchange Inc. Scholarships Full tuition scholarships may be available to eligible students whose parents work for a college or university that is in good standing with The Tuition Exchange, Inc. Conditions of Financial Assistance The Office of Financial Aid has the right to adjust or void an offer of aid at any time it is found necessary.

Such adjustments may result in the student owing a repayment. This action may be the result of a change in student status, determination that an award was made based on false or outdated information, the availability of federal, state, or institutional funding, the late completion of application materials, conflicting information, or an unintentional processing error on the part of Office of Financial Aid systems or staff.