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The CCU Enrollment Services Office provides assistance with your student finances, including financial aid and student account information. Financing a college education involves careful decision making. Begin the financial aid proces early to ensure that your aid will be in place by the time you are ready to begin school. And when the semester starts, you will be able to focus on your stdies and enjoy the college experience.
Make use of handouts including the New Student Cost Estimate worksheet and the Student Finances Checklist. You are responsible for understanding CCU's policies regarding payment of your student account charges.
The Free Application for Federal Student Aid (FAFSA) establishes your eligibility for financial aid by collecting data about your family's income, assets, size, and number in college. The results of the FAFSA will determine your eligibility for federal and state aid (Federal Pell Grant, Federal SEOG Grant, Federal Work Study, Federal Direct Loans, and Ohio College Opportunity Grant). The FAFSA can be found online at fafsa.gov. The application must be filed annually and it is available each year beginning on October 1.
When you complete your FAFSA online, you will sign the application using your FSA ID comprised of a username and password. Your FSA ID confirms your identify when you access your financial aid information and electronically sign Federal Student Aid documents. Create your FSA ID at fsaid.ed.gov. If you are a dependent student, your parent also will need an FSA ID.
Be sure to include Cincinnati Christian University in the school section of your FAFSA. Our Federal School Code is 003029. This will enable Enrollment Services to receive your FAFSA results electronically from the Federal Processor.
Maintain good records with regard to your financial aid application. Carefully complete all information, and keep a copy for your files.
Should I apply?
Financial aid includes Federal Direct Subsidized and Unsubsidized Loans and PLUS Loans, as well as state and federal grants. You cannot obtain a federal loan unless the FAFSA has been completed. Also, you cannot know your eligibility for federal or state grants for certain unless you file the FAFSA.
Even if you do not plan to take out a loan, it may benefit you to fill out the FAFSA. Occasionally unforeseen situations will arise that create a financial need. By completing your financial aid file early, you will be better prepared for an emergency.
Your Aid Notification
After receiving your FAFSA, the Enrollment Services staff will contact you if additional information is needed to complete your financial aid file. Your Aid Notification Packet will be mailed to you approximately two weeks after your file is complete. The packet will include a letter detailing your financial aid eligibility. It also will include further instructions for completing the financial aid process.
Types of Financial Aid
Scholarships - Free money awarded based on merit, ability or personal characteristics. CCU offers a variety of scholarships to new students. For details visit CCUniversity.edu
Grants - Funds that do not have to be repaid, usually need based.
Federal Direct Student Loans - Low-interest loans available to students who are attending college at least half time. No credit check is required. Repayment on the loan begins six months after you graduate or drop below half time. The government has set annual borrowing limits for students based on the number of credit hours earned toward the student's degree program.
Subsidized loans are available to students who have financial need as determined by the FAFSA. The federal government will pay the interest on your Subsidized Loans while you are in school at least half time and during the six months after your leave school.
Unsubsidized loans are available regardless of family income. You are responsible for paying all interest on your Unsubsidized loans. Although payment of the loan is not required while you are in school, the interest will accrue during this time and increase your indebtedness. You have the option of paying the interest as you go to help keep your loan debt to a minimum.
Federal Direct PLUS Loan - A low-interest federal loan available to the legal parents of dependent undergraduate students who are enrolled at least half time. The PLUS borrower must pass a credit check to qualify for the loan. Repayment of the PLUS Loan begins 60 days after the loan is fully disbursed and generally will continue for ten years. In-school deferment is available, but interest will continue to accrue. If a parent is denied a PLUS Loan due to adverse credit, the dependent student will become eligible to borrow up to the independent student annual loan maximum.
The Federal Student Aid site provides additional information and answers many questions regarding federal aid programs.
Private Education Loans - Families often consider a credit-based, private loan as an additional funding option. Unlike federal loans, private loans may have variable interest rates which are based on the credit score of the borrower or co-signer. typically, students will exhaust their federal loan eligibility before applying for a private loan, but there is no requirement to do so.
You will want to compare the terms of various private loan programs to find the loan that works best for you. Learn more about private loans at FASTChoice, where you also will be able to access a list of lenders that CCU families have used over the past three years.
How do I obtain a Federal Student Loan?
You must complete the FAFSA to begin the Direct Loan process. The FAFSA results enable Enrollment Services to determine your loan eligibility. You will receive an Aid Notification detailing your federal loan eligibility and the exact steps for obtaining a Federal Direct Loan.
How does my parent obtain a Federal Direct PLUS Loan?
You must complete the FAFSA to begin the Direct PLUS Loan process. Additional instructions for obtaining a PLUS Loan will be sent in your Financial Aid Award Packet. If your parent is denied the PLUS Loan due to adverse credit, you will become eligible for additional Unsubsidized Loan funds.
OUTSIDE SCHOLARSHIPS: Community organizations often have scholarship funds available. Check with local civic groups and professional and social organizations. Many churches support students who attend Christian colleges, so be sure to check with your home church to find out whether they have finances available to assist you.
SCHOLARSHIP SEARCHES: Several free scholarship searches are listed on the Outside Scholarships page. You'll need to complete a user profile which will be cross-referenced with databases containing thousands of scholarships. You will receive information regarding scholarships matching your profile. Be wary of any company that charges you money to help find additional funding.
Always inform Enrollment Services as soon as possible of any outside scholarships or grants you are awarded. These outside scholarships may hae an affect on your federal aid eligibility.
FAMILY GRANT: The CCU Family Grant is applicable when more than one dependent student from within a family unit is enrolled as an undergraduate student at CCU. The Grant also applies when a married couple or a parent and dependent child are enrolled as undergraduate students at CCU. (Dependency is based on the FAFSA definition.) Eligible students must submit the Family Grant Application to Enrollment Services for each term of attendance. The application may be downloaded from the Forms and Links section of this site. Additional information and restrictions are listed on the application form.
PARTNER CHURCH SCHOLARSHIP: Churches that agree to support CCU at a specified financial level can participate in the Partner Church Program. If you are a member of a Partner Church, you may be eligible to receive a Partner Church Student Scholarship in the amount of $3000/yr. You will need to complete a Partner Church Student Scholarship Application which is available from your church's liaison. The liaison will certify your membership status and forward the application to CCU. Additional restrictions are listed on the application form. A list of Partner Churches may be found on the CCU website.
Processing of Financial Aid
Financial aid funds will be applied to your student account at various time starting on the first day of the semester, after verification of enrollment and upon receipt of funding from the Department of Education, state or other agency. Most federal grants and loans are applied within the first three weeks of the semester. Institutional grants, scholarships, and discounts are applied after the add/drop period, generally about 4-5 weeks after the start of the semester. State grants may be applied a little later in the semester based on when the funds are received from the state.
If you have borrowed a federal loan, you are required to complete Exit Counseling when you graduate, drop below half-time enrollment, or transfer to a different school.
Estimate your monthly loan repayment amount based on how much you borrow.
Log in using your FSA ID to view your federal loan history.
Search for a private education loan using FASTChoice.
Upon registering for classes at CCU, you incur a financial obligation for the cost of these services and all related charges. Charges are added to your student account. Student-account information (including charges, financial aid and payments) is available to you through CCU's web-based Student Account Center (SAC). The SAC provides real-time updates of all account activity.
All billing is communicated electronically through the SAC, so you will not receive a paper bill in the mail. Each month a reminder will be sent to your university email account when a new billing statement posted to the SAC. You may share account access with parents, spouse or other individuals through the SAC.
Payment Due Date
Bills for Fall 2019 will be posted to the Student Account Center beginning in July. Payment arrangements for Fall 2019 must be completed by August 5, 2019.
A late payment fee of $100 will be added to your account if you have not completed payment arrangements by the due date. Monthly finance charges (1.25% per month; 15% APR) are added to unpaid account balances. In addition, blocks are placed on student accounts with unpaid balances. An account block keeps you from registering for future semesters and prevents you from receiving grades, a transcript, or your diploma.
If your account is delinquent after 90 days, it will be placed with a collection agency. You will be responsible for paying all fees and expenses incurred by CCU in the collection of your account balance.
Financial Aid - includes loans, grants, scholarships
Payment - 529 Savings Plan, online payment (through Student Account Center), office payment (cash, check or credit card)
Monthly payment plan - through Student Account Center
Third-party payment - includes outside scholarship, state vocational assistance, military tuition assistance
Monthly Payment Plan
CCU's monthly payment allows you to pay your bill in smaller, more manageable monthly installments. The cost for the monthly payment plan is a $35 per semester enrollment fee. CCU partners with Tuition Management Systems to offer the monthly payment plan through the Student Account Center. Use the payment plan to pay your entire bill or the balance that remains after financial aid is applied. Payment for all plans is due the 25th of each month.
Fall Semester plans available: Choose 6, 5, 4 or 3 monthly payments. Six-month plans begin in May, with shorter plans beginning in successive months. The final payment is due on October 25 for all fall plans. Enrollment fee is $35.
Spring Semester plans available: Choose 5, 4 or 3 monthly payments. Five-month plans begin in November, with shorter plans beginning in successive months. The final payment is due on March 25 for all spring plans. Enrollment fee is $35.
Students who withdraw from classes will have their tuition, room and board charges refunded according to the CCU Institutional Refund Policy.
The Financial Aid staff must recalculate financial aid eligibility for students who withdraw, are dismissed, or drop out prior to completing 60% of a semester. A student should contact Enrollment Services Office to withdraw from all classes. The student’s notification will initiate the Return of Title IV (Federal) Funds calculation which will be computed by the Financial Aid staff. Refer to Return of Federal Financial Aid for additional information.
Refund of Student Account Credits
All credit balances resulting from the disbursement of financial aid will be refunded to you automatically. No refunds are processed for pending or unposted aid. All student account refunds are processed on a weekly basis.
Your refund may be direct deposited to the bank account of your choice. Enter your bank account information at the Student Account Center. If you do not select the direct deposit method and enter your account information, your refund will be processed as a check which will be mailed to your home address.
A step-by-step guide for using Student Account Center
The Family Eductional Rights and Privacy Act of 1974 (FERPA) is a federal law that protects the privacy of student education records (including academic, financial and disciplinary). CCU cannot release these student records to parents, spouse or any other person with student authorization. Complete and return the FERPA Waiver. Check one of the boxes. If granting permission, initial the spaces for the type of records that may be released. The form will be maintained on file in the Enrollment Services office.