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    Scripps College
   
 
  Dec 17, 2017
 
 
    
2015-2016 Academic Catalog THIS IS AN ARCHIVED CATALOG. LINKS MAY NO LONGER BE ACTIVE AND CONTENT MAY BE OUT OF DATE!

Financial Aid



Financial aid at Scripps College provides admitted students various types of financial assistance to enable them to enroll. The College continues this financial commitment to continuing students in the same manner that entering first-year students are offered aid: based on the College's annual determination of each student's financial aid eligibility and analysis of each family's specific circumstances. The calculation of the annual cost of education less a family's expected contribution results in a student's financial aid eligibility.

Annual Cost of Education

Educational expenses for the academic year include actual charges for tuition, standard fees, room, board, and an estimated allowance for books and supplies, personal expenses, and possible fees associated with student loans.

Estimated 2015-2016 costs for residential students:

Tuition and Fees $49,152
Room $8,232
Board $6,876
Books and Supplies $800
Personal Expenses $1,000
Total Costs $66,060

Application Process

Scripps College determines a family's expected contribution toward educational costs based on information provided on the Free Application for Federal Student Aid (FAFSA), the CSS/Financial Aid PROFILE form, and additional documents as requested. Parents are expected to contribute to a student's educational expenses (including the non-custodial parent, if applicable) and may be required to complete the Non-Custodial Parent PROFILE form (NCP). Students are also expected to contribute a portion of summer earnings and other personal assets.

Scholarships and Grants

To meet the financial aid eligibility of each student, Scripps College provides an award package that typically consists of scholarships, grants, student employment, and student loans. To be eligible for any federal aid (grant, work-study, or loan), students must be U.S. citizens or eligible non-citizens, demonstrate financial eligibility, meet specific enrollment criteria, and consistently achieve satisfactory academic progress toward a degree.

A first-time, full-time freshman is eligible for eight full-time semesters of financial aid in which to complete the degree provided they meet the financial and academic eligibility requirements. Students normally complete the degree by the end of 4 years of full-time study. Students who require additional semesters to complete their degree may be eligible for federal aid but are not eligible for state funds or Scripps College scholarships and grants.

Transfer students are eligible to receive Scripps College Grants based on their academic standing at the time of admission to Scripps limited to the number of full-time semesters remaining for successful completion of the Scripps degree after transfer credit is awarded. This determination is made during the transfer student's first semester of enrollment at Scripps.

For less than full-time students, institutional grant and scholarship funds will be adjusted based on the reduced tuition and fees as long as the student is enrolled three-quarter time (2.5 courses) or more. Institutional grants and scholarships are not available to half time students.

Private (Outside) Scholarships: These awards include funds from sources such as local civic and philanthropic organizations, National Merit awards, and similar sources.

Private (outside) scholarships are included in a student's financial aid award package, as required by federal regulations. A student must inform the Office of Financial Aid, in writing, of any awards from National Merit, local or civic organizations, tuition grants from employers, etc. Loan amounts may  be reduced by the amount of aid received.  Student employment awards and Scripps grant may be reduced if the total of all outside grants and scholarships excedd loan amounts.

Federal and State Grants:

Federal

Federal grants include the Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (FSEOG), and other smaller grants.

State

Cal Grants A and B, and other state funds are available to residents of California who are eligible and submit the FAFSA and the Cal Grant Grade Point Average (GPA) Verification form by March 2 (the deadline) to the California Student Aid Commission.

Student Employment

Students eligible for Federal Work-Study or Scripps campus employment may earn up to $2,200 per year. 

Scripps College strongly urges caution about the amount of time spent in on or off campus employment. A job should not interfere with the demands of academic course work. Scripps encourages 15 hours per week of employment or less.

Loans

Low-cost loans enable borrowers to defer a portion of the cost of college until after graduation or withdrawal from school, and are generally expected to be repaid over a 10-year period. The terms of repayment vary depending upon the type of loan.

Types of loans available:

(1) The federal Perkins Loan is awarded to undergraduate students with exceptional financial need. This is a campus-based loan program, with Scripps acting as the lender using a limited pool of funds provided by the federal government and loan collections from former Scripps borrowers. It is a subsidized loan, with the interest being paid by the federal government during the in-school and 9-month grace periods.

(2) Undergraduate Direct Subsidized/Unsubsidized Loans. Federal Direct Subsidized/Unsubsidized Loans disbursed after July 1, 2014 are fixed-rate loans (4.66%) available to undergraduate students attending accredited schools at least half time (6 credits/semester). 

(3) Scripps Private Loan funds are available through donations from several foundations, including the Joseph Drown Foundation and the Ralph N. Parsons Foundation.

4)  Federal Direct PLUS Loans for Parents are federally sponsored, fixed-rate (7.21%) loans for parents of undergraduate students attending school. The Direct PLUS Loan for Parents may be a better financial option than an alternative student loan from a private lender.

More information

Most loan principal payments plus interest begin six or nine months after leaving the College or dropping below half-time status. Sample repayment schedules are available in the Office of Financial Aid or at www.finaid.org.

Information about student loan programs may be found at http://www.scrippscollege.edu/finaid/ and at www.studentloans.gov.

International Students

Limited financial assistance is available for international students and competition is strong. International applicants are also considered for Scripps merit scholarships and grants. The College Board International Student Certification Finances or, if applying for need-based aid, the CSS/Financial Aid PROFILE is required by February 1 of the year prior to enrollment.

Study Abroad and Global Education

Scripps College assists students who pursue a Study Abroad and Global Education (SAGE) program, provided they are enrolled full time and their plans have been approved by SAGE.

If a student participates in a College-approved SAGE program, their Federal Work-Study award is converted to additional student loan, plus an additional $500 in loan per semester of a SAGE program to help defray additional expenses associated with studying abroad.

How to Apply for Financial Aid

Students interested in only receiving federal and state grant and loan assistance need only complete the Free Application for Federal Student Aid (FAFSA). The CSS/Financial Aid PROFILE is required to be considered for Scripps College institutional grant assistance.

New Entering Scripps students must file:

  • CSS / Financial Aid PROFILE and
  • The Free Application for Federal Student Aid (FAFSA) and
  • Additional documents as required by the financial aid office. These documents are submitted to IDOC at https://idoc.collegeboard.org

Application deadlines may be found at:  http://www.scrippscollege.edu/finaid/2015-first-year-requirements-and-deadlines

Returning students must file:

  • The Free Application for Federal Student Aid (FAFSA) and
  • The Scripps College Supplemental Data Sheet
  • Any additional documents, as required by the financial aid office

Application deadlines may be found at: http://www.scrippscollege.edu/finaid/2015-16-renewal-application-process.

Financial Aid Regulations

The demonstrated financial need of all aid recipients is calculated and reviewed and all forms must be submitted annually. If the applicant fails to meet the satisfactory academic progress standards that have been set by the College, or if the demonstrated need for financial aid ceases, Scripps College reserves the right to discontinue financial aid in any form. The College also reserves the right to correct any award at any time.

Financial information provided by the family to the Office of Financial Aid will be kept confidential.

The financial aid eligibility of all aid recipients is calculated and reviewed annually. If the applicant fails to meet the satisfactory academic progress standards set by the College, or if the eligibility for financial aid ceases, Scripps College reserves the right to discontinue financial aid from any source. The College also reserves the right to correct any award at any time.

Financial information provided by the family to the Office of Financial Aid is kept confidential.

Satisfactory Academic Progress Policy for Financial Aid Recipients

Eligibility for all federal student financial aid programs is dependent on meeting satisfactory academic progress standards (SAP). This determination must be made before funds for the subsequent semester are disbursed. 

1. Maximum time frame to earn the degree for federal financial aid recipients: 

The maximum time frame to earn a degree and receive financial aid cannot exceed 150% of the published length of the program.  Since 32 courses are required to graduate from Scripps College, the maximum time frame  is 48 attempted courses (32 X 150% = 48). Students forfeit their eligibility to participate in financial aid programs after 48 courses (including attempted courses) whether or not they have earned their degree.

2. The quantitative requirement is the academic pace at which a student must progress through the educational program to ensure completion within the required time frame.

    To meet satisfactory academic progress a student must complete:

-a minimum of six courses by the end of two semesters,

-14 courses after four semesters,

-22 courses after six semesters,

-and a total of 32 courses

 

  Normal Completion to advance grade level Minimum completion  Percent of normal completion
At end of two semesters 8 courses 6 courses 75%
At end of four semesters 16 courses 14 courses 87.5%
At end of six semesteres 24 courses 22 courses 91.6%

 

1. A student is generally expected to complete four courses per semester to graduate in four years. Enrollment at less than four courses per term does not assure graduation within four years.

2. The qualitative measurement requires a 6.00 cumulative GPA by the end of the second academic year (4 semesters).

Consequences of Failure to Maintain Satisfactory Academic Progress

The student's record is reviewed at the end of each semester to determine if the qualitative and quantitative standards are met.

A student who fails to meet the qualitative and/or quantitative standards will be assigned one of the following SAP Status designations.

Financial Aid Warning

A student is placed on "Financial Aid Warning" when they fail to achieve either the quantitative or qualitative standard. Students may receive financial aid for only ONE semester while in "warning" status. Students who fail to achieve SAP standards by the end of the Financial Aid Warning term are ineligible to receive further federal, state, or institutional financial aid.

Loss of Eligibility and the Right to Appeal

A student may appeal a financial aid suspension by submitting a written appeal to the Director of Financial Aid within 30 days of notification or after a semester begins (whichever comes first). An appeal is normally based on extenuating situations or conditions which prevented the student from meeting SAP standards.

Appeal Approval: An appeal will be approved if it is determined that the student will be able to meet Satisfactory Academic Progress standards by the end of the subsequent semester. An "academic plan" is required that will ensure the student is able to meet Satisfactory Academic Progress standards required to graduate in time.

A student whose appeal is approved will receive aid on a conditional basis for ONE semester. The student's record is reviewed at the end of the semester to determine their status for the following semester.

Appeal Denial: A student whose appeal is denied may be able to regain financial aid eligibility for future semesters by enrolling at Scripps without the benefit of federal, state, or institutional financial assistance and achieving SAP standards.

Financial Aid Probation

A student who successfully appeals their loss of financial aid eligibility will be placed on Financial Aid Probation

 If the student meets the terms of probation, they are eligible for federal financial aid consideration for the next semester.  A student who does not meet the terms of financial aid probation will lose eligibility for all federal, state, and institutional financial aid programs.

Loss of Eligibility

A student who has lost SAP eligibility to participate in federal, state, and institutional financial aid programs may regain eligibility by enrolling at Scripps at their own expense and meeting SAP standards. The passage of time alone will not restore financial aid eligibility.

Students dismissed from Scripps for academic reasons but who are subsequently readmitted are not automatically eligible to participate in federal, state, or institutional aid programs and will be placed on financial aid warning. Please note that Admissions decisions are independent from funding decisions.

Financial Aid Awards

A conditional financial aid offer is used for planning purposes prior to each student's first year at Scripps College. Award offers are conditional until all necessary documentation has been received by the Office of Financial Aid and verification of information is complete. Students returning for their second, third, and fourth years will receive an official award only after their aid eligibility has been determined.

Verification

Scripps College verifies application information for all new entering financial aid applicants, and selected returning students.

Required Documents for Verification:

1. The appropriate (dependent or independent) Scripps College Verification Worksheet.
2. Signed copies of the parent's federal tax return including W-2 forms as well as all schedules and attachments:

a. Signed copy of the student's federal tax return including W-2 forms, schedules, and attachments.

b. Any other documents required by the Financial Aid Office.

3. Those selected for Federal Verification are required to complete the IRS Data Retrieval process. This is a FAFSA tool that provides the ability to automatically transfer family income and tax data from the Internal Revenue Service (IRS) into the FAFSA.

Financial Aid Disbursement

The Office of Student Accounts sends billing statements for the fall semester two months before the first day of class. If the financial aid award has been finalized, aid from Scripps College grants and scholarships are shown as a pending credit toward tuition and fees and other direct Colleges expenses including but not limited to room and board.

Scholarships and grants from outside organizations are credited as expected aid until funds are received.  Students are required to provide the Office of Financial Aid with information pertaining to these scholarships (expected dates of payment and contact information for the scholarship organization) and to bring scholarship checks to the Office of Financial Aid for proper handling.

Loan funds are credited to a student's account once the College has received completed and signed forms (and the pre-approval form in case of PLUS loans). For the first two bills of the fall semester, Federal Direct Stafford, Federal Parent (PLUS), and Federal Perkins loans, as well as other loan proceeds, are credited as "expected aid" in anticipation of receiving the appropriate application items and promissory notes.

A refund check will be issued if disbursed financial aid funds create a credit balance. A credit balance created only by federal funds will be automatically released to the student within 14 days. If the credit balance is created by institutional funds the balance must be requested in writing by the responsible billing party. 

Federal Work-Study (FWS) and Scripps student employment earnings are paid biweekly directly to the student. Students must contact Student Accounts (909-621-8259) about using work-study student employment earnings to cover any balance due to the College.

A student's annual fees, minus financial aid, can be paid in eight equal installments, or four per semester using the Scripps College Installment Payment Plan. A non-refundable service charge of $50 per semester is added to the total charges. For more information, contact Student Accounts at (909) 621-8259.

Revision of Award

Scripps College reserves the right to revise an award due to changes in federal, state, or Scripps College regulations or funding levels, and/or changes relevant to student financial eligibility determination as supported by documented information.

If a student receives financial aid or additional financial resources from any other source after the FAFSA and/or CSS Financial Aid/PROFILE has been filed, or after Scripps College has made a financial aid offer, the student must notify the Office of Financial Aid. An adjustment will be made in the College's financial aid offer so that it will not exceed the financial eligibility of the student (as required by federal and state regulations). The self-help portion (e.g., loan and part-time employment) may be reduced when a student receives outside (non-state, federal, or institutional) grants or scholarships.

If family financial changes arise after an aid award has been made, the student should contact the Office of Financial Aid for guidance on how to request reconsideration of the financial aid award. Each case is reviewed individually. When greater financial eligibility is determined (and the student continues to meet other eligibility criteria), the award will be adjusted based on availability of funds.

Refunds and Repayments

A student who withdraws from all courses during the semester may need to return a portion of financial aid to the funding source (Scripps College, federal government, state grant agency, other aid provider, and/or a lender) based on the percentage of the semester completed.

Financial aid recipients will have their financial aid reevaluated according to the mandated federal formula and funds will be returned as appropriate.

Further details on the calculation of refunds and repayments at the time of withdrawal are outlined in the Scripps College Catalog Expenses  section.

A student withdrawing from the College during the semester may be eligible for a tuition refund based on the schedule outlined in the Scripps College Catalog Expenses  section.

Appeals

Students and their parents may request a reevaluation of the basis of their financial aid eligibility prior to April 1 of the award year. Requests for reconsideration are considered only if there has been a change in the family's financial circumstances since the submission of that year's FAFSA and/or PROFILE.  Types of appeals considered are:

  • Request to change a student loan to additional student employment up to the maximum allowable (or vice versa),
  • Request for reevaluation based on a major change in family circumstances (i.e. loss of employment, extraordinary medical expenses, etc.).

All appeals require documentation to substantiate the requests.

Renewal of Financial Aid Awards

Financial aid is not renewed automatically. An annual application is required by May 1 to renew financial aid for the following academic year.  Students participating in study-abroad programs, living off-campus, or taking a leave of absence must stay informed of financial aid application deadlines and requirements while away from Scripps.

Financial Aid Code of Conduct and Code of Ethics

Scripps College adheres to a Financial Aid Code of Conduct and a Code of Ethic found at:  http://www.scrippscollege.edu/finaid/code-of-ethics and http://www.scrippscollege.edu/finaid/code-of-conduct

Financial Aid Recipient Rights

Financial aid recipients have the right to:

  • have their eligibility for financial aid determined in a manner consistent and impartial for all applicants.
  • privacy. All records and data submitted for financial aid will be treated confidentially, subject to legal requirements concerning disclosure of such information.
  • a complete explanation of the award process. If aid recipients do not understand their financial aid award or feel their application has not been evaluated fairly, please contact the Office of Financial Aid.
  • be notified of cancellation or withdrawal of aid and to be told why this action is being taken.
  • appeal. The appeal process reviews requests for financial aid reconsideration. Submit a letter of appeal, with appropriate supporting documentation to the Office of Financial Aid.
  • apply for emergency or short-term loan based on emergency or unexpected expense.
  • be informed of available financial aid programs.
  • be informed of the estimated annual cost of attendance.
  • be informed of financial aid application procedures and deadlines.
  • be informed of student loan repayment and other terms and conditions.

Financial Aid Recipient Responsibilities

Financial Aid Recipients have the responsibility to:

  • use financial aid funds only for educationally related expenses such as tuition, fees, room, board, books, supplies, and living costs.
  • report on their federal tax return any amount of grants and scholarships that exceeds the total cost of tuition, fees, books, and supplies.
  • respond to requests from federal, state, and College officials and auditors.
  • keep copies of all correspondence regarding their financial aid from Scripps College, governmental agencies, or outside lenders or grantors.
  • repay loans on time so that funds will be available for other students.
  • attend a Loan Entrance Interview before receiving a student loan for the first time.
  • attend a Loan Exit Interview before leaving Scripps College (due to graduation, leave of absence, transfer or withdrawal) if they have received any student loans while attending.
  • report changes in their financial status and receipt of additional funds, benefits or resources from any source (such as employment or scholarship) before or after they are awarded financial aid.
  • report changes in address, name or marital status, dropping below full-time status, taking a leave of absence, withdrawing from the College, or making any other changes that affect financiall circumstances.

Scholarships

All Scripps students with demonstrated financial need, who have submitted an annual Scholarship Recipient Form, are identified and matched with the need-based scholarships by the Stewardship Office. All eligible students will be considered for general scholarship funds.

Students must complete an an online Scholarship Recipient Form before the beginning of the academic year.

Annual Fund Scholarships

For current list of Annual Fund Scholarships with full descriptions, please refer to the Scripps College website at www.scrippscollege.edu.

For More Information

For further information, applications, or assistance in selecting a particular plan or program, please contact:

Scripps College
Office of Financial Aid
1030 Columbia Avenue, PMB 1293
Claremont, California 91711-3905
Office (909) 621-8275
Fax (909) 607-7742