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    Southern Adventist University
   
 
  Sep 25, 2017
 
 
    
Graduate Catalog 2016-2017 [ARCHIVED CATALOG]

Financing Your Education


Student Finance Mission Statement

In a spirit of Christ-likeness, Student Finance makes every effort to contact, recruit, enroll, and financially work with academically qualified students who commit to Southern’s learning community.

Financial Aid

Students must register for and attend a minimum of five credit hours per semester to receive a Federal Direct Loan. The first half of the loan amount is credited to the student’s account when part-time attendance has been verified.

Southern Adventist University provides financial aid for students in the form of scholarships, graduate assistantships, and loans. The source of these funds is Southern Adventist University, private groups, donors, corporations, and Title IV funds from the United States Government. Financial aid applicants will not be denied assistance on the basis of sex, race, color, national origin, religion, or ethnicity. The Student Finance office follows established procedures and practices which will assure equitable and consistent treatment of all applicants.

Students are urged to contact the Student Finance Office, P.O. Box 370, Collegedale, TN 37315-0370, phone 1.800.SOUTHERN, or go to our website www.southern.edu for information about and applications for financial aid.

Financial Aid Applications

The Free Application for Federal Student Aid (FAFSA) must be submitted annually to apply for the federal, state, and institutional aid programs. This application needs to be completed online at www.fafsa.ed.gov. 

Applications received by the priority deadline of March 31 will be given preference. To meet this deadline, the FAFSA should be submitted no later than March 1. Applications received after March 31 will be processed as long as time and funds permit. Southern Adventist University’s TITLE IV code is 003518.

Southern strongly encourages selecting the automatic IRS Tax Return Data Match when completing the FAFSA to ensure accuracy of financial information and avoid potential verification delays.

Financial Aid Available

Federal Direct Loans

Federal low-interest loans made to students attending college at least half-time. These loans are insured by a guarantee agency and reinsured by the federal government. A borrower must repay this loan.

Direct Unbsubsidized Loans

Direct Unsubsidized Loans are awarded regardless of need/financial status. The student is responsible for paying the interest, which accrues while enrolled in school. The student must sign a master promissory note and complete entrance counseling online at studentloans.gov before the loan is released onto their account.  Repayment of the loan begins six months after the student graduates, leaves school or drops below half-time enrollment.

Direct Unsubsidized Loan interest rates are set each year, in June, by Congress at a fix rate not to exceed 8.25%. In addition, a Federal origination fee of up to 1.072% of the loan principal is deducted proportionately from each disbursement made; the origination fee is subject to change. For additional information on Direct Loan interest rates, please visit studentaid.ed.gov.

Direct PLUS Loans

Federal loan made available to graduate or professional degree students who have satisfactory credit histories. A borrower must repay this loan.  Students must be enrolled at least half-time. The yearly loan limit is the cost of education minus any estimated financial aid that the student is eligible to receive. 

Direct PLUS loan interest rates are set each year, in June, by Congress at a fix rate not to exceed 10.5%. In addition, a Federal origination fee of up to 4.288% of the loan principal is deducted proportionately from each disbursement made; the origination fee is subject to change.  For additional information on Direct PLUS Loan interest rates, please visit studentaid.ed.gov.

Federal law requires the US Department of Education to send the loan proceeds to the school in at least two payments. Payments will be sent either by electronic transfer or by check made co-payable to the school and to the student.  Monthly principal and interest payments begin 60 days after the loan disbursement. Those enrolled in school on at least a half-time basis will be eligible for an in-school deferment (postponement of payments) until the student graduates or drop below half-time status.  Post deferment grace of 6 months is also given when a student graduates or drops below half-time status. The interest on the loan is not deferred during the time of the deferment, although the organization that holds the loan may allow the interest to accumulate until the deferment ends. In such a case, however, the interest will be added to the principal, increasing the amount of principal that will need to be repaid.

Graduate Assistanships & Scholarships

Graduate assistantships are available for students in the following programs: Masters of Business Administration, Computer Science, Counseling, Education, Nursing and Social Work.  Students may apply for scholarships and assistantships through their respective schools.

Financial Aid Eligibility Requirements

General Requirements

Financial aid awards are made for one academic year to students who are accepted for admission, and are enrolled for at least five credit hours. Recipients of government aid must hold U.S. citizenship or a permanent resident visa. Students desiring aid must reapply each year and continue to make satisfactory academic progress toward a degree to receive financial aid.

The federal government also requires that the university have an official copy of the baccalaureate undergraduate transcript from an accredited institution prior to disbursement of federal financial aid to graduate students. Provisionally accepted students will not receive loan proceeds until an official copy of their undergraduate transcript is submitted to the Graduate Studies office.

WARNING: If a student purposely gives false or misleading information on the federal aid application, s/he may be fined $20,000 by the US Department of Education, sent to prison, or both.

Academic Progress Requirements and Standards

Academic Progress Policy

Government regulations require all financial aid recipients to maintain satisfactory academic progress (SAP) toward a degree as measured both qualitatively and quantitatively in order to receive financial aid. This requirement applies to the entire enrollment at Southern Adventist University, including periods during which a student does not receive financial aid. Failure to comply with this requirement may result in a student becoming ineligible for financial aid.  This policy defines the minimum standards for eligibility for state and/or federal financial aid.

Academic Progress Qualitative Standards

Students must maintain a minimum cumulative GPA of 3.00

Academic Progress Quantitative Standards

Students must complete and pass a minimum of 67 percent of attempted credit hours toward a degree to be making satisfactory progress. Incompletes, withdrawals, and failed courses count toward the total attempted credit hours. A repeated course counts as attempted credit hours each time it is taken.

Time Frame for Receiving Financial Aid

The above maximum time frame to receive financial aid is based on 1.5 times the number of credit hours to attain a degree. A student may receive financial aid for up to two graduate degrees.

Progress Review

A financial aid recipient’s progress at Southern Adventist University will be reviewed at the end of each semester and will be based on the number of attempted hours a student completes during each semester of an academic year and the cumulative grade point average (GPA).

Students who do not meet the above satisfactory GPA or completion requirements will be placed on financial aid warning. If the cumulative GPA or the completion rate is below the required level at the end of the warning period, the student will be ineligible to receive financial aid and may file an appeal with the Financial Appeals Committee.

Students may enroll for the summer sessions or subsequent terms at Southern without financial aid assistance or attend another accredited institution to fulfill the progress requirements. Academic progress for these students will be reviewed prior to the release of financial aid for the following term in which the student reaches the necessary academic standard.

Students accepted to Southern Adventist University on conditional standing will be eligible for financial aid for the first semester in attendance. Financial aid thereafter is based on the guidelines set above.

Procedure for Appeal and Reinstatement of Financial Aid

Students who are found to be ineligible for financial aid based on progress will be notified in writing from the Student Finance Office. If unusual circumstances occur that include, but are not limited to, personal or family illness, injury, or death in the family, students may appeal in writing to the Financial Appeals Committee for continuation of financial aid. Students will receive a written notification as to the committee’s decision. If approved, the student will be placed on financial aid probation and must sign the SAP Appeal Response Certification form before financial aid is reinstated.

Financial Aid Award & Disbursement Procedures

A financial aid award letter will be sent to each accepted applicant after the Student Finance Office receives the FAFSA results (electronically received from the federal processor). To confirm and reserve the funds offered, students should return the signed acceptance of the offer within ten days of receipt. It will be assumed that students are accepting the full award amounts if the award letter is not signed and returned within the allotted time.

When financial aid recipients receive additional resources not included in the financial aid award letter, it is the student’s responsibility to report these funds to the Student Finance Office. Federal regulations prohibit overawards. Therefore, when the total of all resources exceeds the allowable student budget, financial aid awards must be adjusted. When financial aid funds have already been credited to the student’s statement, any adjustments due to overawards will be charged to the student’s account.

Financial Aid Verification

The following documents must be submitted only if you have been selected by the government for verification. The Student Finance Office will notify you if these documents are needed.

  • The Federal Verification Worksheet
  • Copies of student’s IRS Tax Transcript
  • Supplemental Nutrition Assistance Program (SNAP) documents
  • Child support documents
  • Statement of Identity and Educational Purpose

Financial Aid Disbursement Procedures

Financial aid awards are disbursed based on enrollment status each semester. The disbursement will show as a credit on a student’s account. Loan funds received from the federal loan programs will in most cases be automatically credited to the student’s account after the semester’s census date and once the master promissory note (MPN) and entrance counseling requirements are met. In the cases where the funds are received in the form of a check, the check will be available for signing in the Accounting Office. It is the student’s responsibility to notify the Student Finance Office if they do not plan to return.

Financial Aid Refund Policy

Financial aid is considered to be used first for direct educational costs (tuition, fees, room, board, and books), therefore, when a student withdraws from classes and under the refund policy receives a refund of these charges, any credit will be used to reimburse financial aid programs first, and any remaining credit will be refunded to the student.

According to federal regulations, refunds due to Federal Title IV programs will be allocated according to the following priority:

  1. Unsubsidized Federal Direct loans
  2. Federal Direct PLUS loans
  3. Other Title IV aid programs

Amount of Title IV Aid Earned

To calculate the amount of Title IV aid earned, the percentage of Title IV aid earned (as figured by the withdrawal date) is multiplied by the aid that has been disbursed as well as the aid that could have been disbursed.

Amount of Title IV Aid to Return

To calculate the amount of Title IV aid to return, the amount of Title IV aid earned (as figured above) is subtracted out of the aid that was disbursed as well as the aid that could have been disbursed.

For further explanation, please contact a Student Finance Counselor.

Financial Aid Repayment Policy

There are specific repayment policies for students who withdraw completely from Southern and have received financial aid in excess of their incurred educational costs. An example would be the student who received a Federal Direct Loan and did not use the full amount for educational costs. An amount owing to any federally funded student aid program will be covered by Southern and then charged to the student’s account.

Student Financial Responsibility

Student Responsibility for University Expenses

The Student Finance Office will assist students in their financial planning. Financial aid is available to qualified recipients in the form of scholarships, assistantships, and loans. However, responsibility for payment of University expenses rests with the student, regardless of any assistance which may be expected or received from federal financial aid, Southern Adventist University, employers, or any other source.

Before registering, each student must submit a payment contract to the Student Finance Office signed by the student indicating acknowledgment of this responsibility. A signed payment contract must be on file before registering for a 2nd or future semester.

Information on student costs and means of paying those costs is given throughout this “Financial Policies” section of the Catalog to assist students in financial planning. Student financial responsibility includes awareness of this information and the willingness to seek assistance from their Student Finance Counselor when help is needed.

Tuition and Fees

Tuition for a doctorate program is $820 per credit hour. The following tuition and fees apply only to graduate students. Effective May 1, 2016, graduate tuition is $615 per credit hour.  Information concerning tuition and fees for undergraduate students is available in the Undergraduate Catalog.

The following special fees and charges are assessed individually as applicable:
  Add/Drop Fee $25.00  
  Application Fee - online 25.00  
  Application Fee - paper 40.00  
  Global Community Development Program Fee 3,200.00  
  Insufficient funds check fee and penalty 25.00  
  Online Learning Fee (per semester hour) 150.00  
  School of Religion Thesis Continuation Fee 100.00  
  Validation Exam 50.00  
  Validation Exam Recording Fee/Credit 40.00  
 
Lab fees:
  Lab fee 1 10.00  
  Lab fee 2 15.00  
  Lab fee 3 20.00  
  Lab fee 4 30.00  
  Lab fee 5 60.00  
  Lab fee 6 90.00  
  Lab fee 7 120.00  
  Lab fee 8 150.00  
  Lab fee 9 180.00  
  Lab fee 10 210.00  
  Lab fee 11 240.00  
  Lab fee 12 300.00  
  Lab fee 13 325.00  
  Lab fee 14 350.00  
  Lab fee 15 400.00  
  Lab fee 16 500.00  
  Lab fee 17 600.00  
  Lab fee 18 700.00  
  Lab fee 19 800.00  
  Lab fee 20 900.00  
  Lab fee 21 1,000.00  
  Lab fee 22 1,100.00  
  Lab fee 23 1,200.00  
  Lab fee 24 1,300.00  
  Lab fee 25 1,400.00  
  Lab fee 26 1,500.00  
  Lab fee 27 1,600.00  
  Lab fee 28 1,700.00  
  Lab fee 29 1,800.00  
  Lab fee 30 1,900.00  
  Lab fee 31 2,000.00  
  Lab fee 32 2,500.00  
  Lab fee 33 3,000.00  
     
ID Card Replacement Fee 20.00  
International Student Deposit 3,000.00  
Parking fee 15.00  
     
Transcript fees:    
  Processing Fee 2.25  
  Electronic Option Fee 4.00  
  FedEx Service (U.S. and Canada destinations only) 25.00  

Estimated Program Length

Degree Programs Program Length (# of months/acad. yr.)
Business and Management (all emphases)   12
Computing (all emphases)   12
Education and Psychology    
  • Counseling emphases
  • Education emphases
  • Outdoor Education emphasis
  12
  12
  12
Global Community Development   12
Nursing (all emphases)   12
Nursing DNP   12
Religion (all emphases)    4
Social Work (all emphases)   12

Estimated Student Budget

  (12 mos.) (8 mos.) (4 mos.)  
Tuition (9 credit hrs) $16,605 $11,070 $5,535  
Housing 9,990 6,600 3,300  
Board 3,750 2,500 1,250  
Books and Supplies 1,800 1,200 600  
Transportation 3,600 2,400 1,200  
Personal/Medical 3,600 2,400 1,200  
Financial Aid Budget* $39,345 $26,170 $13,085  
         
DNP Tuition (9 credit hrs) $22,140 $14,760 $7,380  
Books and Supplies 1,500 1,000 500  
Financial Aid Budget* $23,640 $15,760 $7,880  

 

*Estimate: Figures are estimated and will vary, depending upon individual needs and number of credit hours for which the student has enrolled.
 

Bank/Check Cashing

Students are encouraged to use their home bank or a local area bank for their personal financial services. Southern Adventist University does not cash personal checks. For the convenience of students and/or their financial sponsors, no-fee banking is available at the Collegedale Credit Union located in Fleming Plaza on the University campus. Service is provided six days each week. With a $50 savings account, students can open a no-fee checking account with no minimum balance. Several commercial banks close to the campus community also provide similar opportunities.

Books

Books may be charged to the student’s account at the Campus Shop. Students may not charge items from the Adventist Book Center or other book stores to their student accounts.’

International Student Deposit

In addition to the regular University costs, international students must pay an International Student Deposit of $3,000 (USD). This applies to all international students except documented permanent residents of the U.S. or residents of Canada, the Bahamas, and Bermuda. The deposit must be received before a U.S. Immigration Form I-20 is sent to the prospective student for entry to the U.S. Because mail service from many foreign countries takes time, this deposit should be sent at least six weeks prior to enrollment. This deposit will be refunded once the student graduates, withdraws from Southern, or finishes his or her Optional Practical Training, at which time the international deposit will be applied to the student’s account and used to cover any remaining balance before any credit is returned.

Insurance

Student Health Insurance

Southern offers students an affordable nationwide Platinum level health insurance plan from United Healthcare (UHC). As a graduate student at Southern, you are strongly encouraged to have health insurance. Enrolled in at least one on-campus class or living in University housing makes students (along with their spouse and dependents) eligible to purchase health insurance from UHC.

Students living in University housing are required to show proof of health insurance that is compliant with the Affordable Care Act. Those who do not submit proof will be automatically enrolled with UHC. Students registered for online classes only are not eligible to purchase this insurance.

For more information please visit the Risk Management’s website. To enroll  with UHC or to provide proof of coverage, visit www.southern.edu/forms. For policy information on benefits, terms, and limits, visit www.uhcsr.com/southern and select 2016-3 Brochure.

Personal Effects Liability

When determining what to bring to campus, students should remember that Southern Adventist University is not responsible for the personal effects of any student, even though such effects may be required by Southern for student use, or required by Southern to be stored in a designated location. Southern Adventist University-carried insurance does not insure the personal effects of any individual. Southern Adventist University recommends that students consider carrying insurance against possible losses.

Campus Housing

University-owned apartments & houses may be rented by students who are enrolled at least half-time per semester. They are available on a first-come-first-served basis. Apartments range in size from one bedroom to three bedrooms and are rented unfurnished (furniture rental available). An online application can be found at southern.edu/housing. Rental arrangements are made in Financial Administration (423.236.2816). Approval must be obtained through the Student Finance Office for the rent to be billed on the student account, and a $250 housing deposit, is required before a rental agreement is issued.

Rent is charged by semester. Charges are based on the date of issue and return of keys and proper check-in/out procedures.  Additional keys are available for $5/key deposit and will be billed on the student account. These deposits are fully refundable unless there are unpaid rental charges, cleaning charges and/or unreturned keys. Additional charges are assessed if the deposit is insufficient to cover these costs. Rates are subject to change without notice.

No refunds are made for vacation periods or absences from the campus. When a student withdraws, a prorated portion of the semester charge will be refunded, based on date of check-out. Failure to check-out properly may cause additional charges and fees.

Refund Policies

Refund for Dropping a Class or Complete Withdrawal

A student who withdraws completely or partially during the semester will receive tuition and fees refund based on the date the completed withdrawal form, with all required signatures, is filed with the Records and Advisement Office.  Financial aid received will also be adjusted based on the refund amount that a student receives. 

FALL SEMESTER REFUND

WEEK REFUND PERCENTAGE
1st week 100%  
2nd and 3rd weeks 80%  
4th and 5th weeks 60%  
6th - 9th weeks 40%  
10th week through end of term 0%  
     

WINTER SEMESTER REFUND

WEEK           REFUND PERCENTAGE     
1st week 100%  
2nd and 3rd weeks 80%  
4th and 5th weeks 60%  
6th - 10th weeks 40%  
11th week through end of term 0%  
     

FULL SUMMER SESSION REFUNDS

WEEK REFUND PERCENTAGE
1st week and 2nd weeks 100%  
3rd and 4th weeks 80%  
5th and 6th weeks 60%  
7th and 9th weeks 40%  
10th week through end of term 0%  

SHORTENED SUMMER SESSION REFUNDS

WEEK REFUND PERCENTAGE
1st week 100%  
2nd week 50%  
3rd week through end of session 0%  

Refund of Credit Balances

Credit balances are refundable, upon request, 30 days after the monthly statement is received for the last month the student was enrolled, in order to be certain that all charges have been processed. For example, if a student graduates in December, a full credit refund would not be made until after the January statement is prepared during the first week of February. When the credit balance is large, a portion may be refunded earlier upon request to the Student Finance Office.

If the student has a credit balance caused by a financial aid over-award, the necessary credit will be applied to the financial aid funds, according to the Financial Aid Refund Policy. If any credit remains, the refund will be credited back first to any credit card that was used to make payment within 90 days of the refund. If the refund involves a credit card payment exceeding $2,000, the refund will be credited back first to the credit card regardless of the date of payment.  Two hundred dollars per month remaining in the semester will be kept on-account for any additional charges that may occur.

Returned Check Policy

If a check is returned by a bank for insufficient funds, account closed, or any other reason, a $25 returned check fee will be assessed to the student’s account. This also forfeits the privilege of paying by check for any future payments.

Payment Plans

Default: Semester Balance

Students are expected to pay the semester balance, less any financial aid, before the beginning of classes.

Monthly Payment Plans

If a student is unable to pay the semester expenses upfront, Southern Adventist University offers various payment plans through the TouchNet Student Account portal at southern.edu/payment.

Once a student registers, their account will be charged for tuition, lab fees, and housing, as applicable. After the charges have been posted, students and/or authorized users can sign-up for a plan at southern.edu/payment. Payments due dates are specified to the payment plan. In order to help lower the average monthly cost and spread the fall semester payments over additional months, students can sign up early for a payment plan in July.

Students whose accounts have been reported to a credit bureau or have filed for bankruptcy discharge are not eligible for monthly payment plans and should be prepared to pay their semester balance before classes begin.

Payment Methods

Students and other authorized users can make payments in person, via mail, or online through the TouchNet Student Account portal at southern.edu/payment. Students must grant access to authorized users within the system before authorized users can view or make payments to the student’s account. Students use their Southern’s username and password to access the system.

Credit Card Payments

Southern Adventist University honors VISA, MasterCard, Discover, American Express and debit cards for making payments on a student’s account. No cash withdrawal service is available from these cards (this service may be obtained from a local bank).

When using a credit/debit card to pay on an account, the following information must be supplied:

  1. Type of Card
  2. Cardholder’s name
  3. Cardholder’s billing address
  4. Credit card number
  5. Expiration date
  6. CVV/CSC (3-digit code on back of card; American Express Cardholders: 4-digit code on front of card)
  7. Student’s name and ID number
  8. Amount to be charged

Any refund will be credited back first to any credit card payments that were made within 90 days of the refund. The 90 day limitation does not apply when payments made by credit card exceed $2,000. In these cases, the limitation will be the entire school year.

Automatic credit card payments can be setup when the student and/or authorized user sets up a payment plan through the TouchNet Student Account portal at southern.edu/payment.

Personal Check Payments

Payments made to a student’s account through mail or in person by personal check should have the student’s 6-digit ID number written on the check. If the ID number is not written on the check when it is received, it will be written on the check by a Southern Adventist University employee for posting purposes.

Payment via electronic check can be made online at southern.edu/payment.

Collection Policies and Procedures

Current Account Collection Policies

First Fall 2016 Semester Payment: Must be Paid or Classes Dropped on August 29

Starting in July, all registered students for Fall 2016 will be billed (as applicable) for tuition, fees, and housing.

A student must have their account balance, less any eligible financial aid, paid in full or be current on a fall monthly payment plan within the TouchNet Student Account portal (southern.edu/payment), by August 22, 2016, otherwise classes will be dropped on August 29, 2016 (the last day for a 100% refund).  Students who have not paid by the 22th of August, will be communicated by email and/or phone calls, letting them know their classes will be dropped. If payment is not received Monday, August 29, 2016 by 4pm, the classes are dropped and a financial hold is placed on the account.

Once the student’s classes are dropped, he/she can only have them reinstated if the account is paid in full, the payment plan is brought current or a different financial agreement is approved by the Financial Appeals Committee. If a student cannot reach an financial agreement by Monday, September 5, 2016 (the census date), he/she will be asked to stop attending classes and if applicable, will be given one week to move out of campus housing.

Students who register for their classes August 1, 2016 or later, will be e-mailed a letter stating the need to pay their semester balance less any eligible financial aid or sign-up for an eligible payment plan, which includes making the first payment amount, otherwise classes will be dropped as with the policy listed above.

First Winter 2017 Statement: Must be Paid or Classes Dropped on January 17

Eligibility for returning students to register for Winter 2017 will be based on the student having their account balance paid in full or current on their monthly payment plan.

Starting in November, all registered students for Winter 2017 will be billed (as applicable) for tuition, fees, and housing.

A student must have their account balance, less any eligible financial aid, paid in full or be current on a winter monthly payment plan within the TouchNet Student Account portal (southern.edu/payment), by January 9, 2017, otherwise classes will be dropped on January 17, 2017 (the last day for a 100% refund).  Students who have not paid by the 9th of January, will be communicated by email and/or phone calls, letting them know their classes will be dropped. If payment is not received Tuesday, January 27, 2017 by 4pm, the classes are dropped and a financial hold is placed on the account.

Once the student’s classes are dropped, he/she can only have them reinstated if the account is paid in full, the payment plan is brought current or a different financial agreement is approved by the Financial Appeals Committee. If a student cannot reach an financial agreement by Monday, January 23, 2017 (the census date), he/she will be asked to stop attending classes and if applicable, will be given one week to move out of campus housing.

Students, who register for their classes December 1, 2016 or later, will be e-mailed a letter stating the need to pay their semester balance less any eligible financial aid or sign-up for an eligible payment plan, which includes making the first payment amount, otherwise classes will be dropped as with the policy listed above.

Eligibility to Register for Summer or Fall 2017

Eligibility for returning students to register for Summer or Fall 2017 classes will be based on the student having their account balance paid in full or current on their monthly payment plan.

Statements and Vendor Charges

Statements will be sent out no later than the 5th business day of each month. Miscellaneous department charges not on the vendor system should be submitted by the 25th of the month to be charged on that month’s statement in order to accomplish getting statements out in a timely fashion.

Late Payments and Consequences: Late Fees, Collection Letters, Work Earnings Reset, and Charging Privileges

For an individual not on a monthly payment plan, each statement has a consistent due date, which is the 24th of the following month. If payment is not made by the end of that particular month, a $25 late fee is charged and a collection email is sent to the student, and parent(s) if applicable. The email will ask that payment be made immediately or a loan be acquired to clear the account balance.

Students on a monthly payment plan will receive a monthly statement detailing any new charges, however the payment amount and payment due date will defer to the online payment plan. An automated reminder email will be sent two days before the payment due date and if necessary, a second email is sent once the payment is late. A $25 late fee will be charged fifteen days after the payment plan due date.

If a student has already registered for classes for a particular semester, but the semester has not yet begun, and the student has become delinquent after they have registered for classes, the student will be sent notification that if their account is not brought current by the last day of the 100% refund period, their classes will be dropped and can only have them reinstated if the account is paid in full, the payment plan is brought current or a different financial agreement is approved by the Financial Appeals Committee.

When a non-current student account is brought current, and has previously been reported to the credit bureau, it must continue to be reported until the account is paid in full and has had no activity for six months. Current students whose accounts are being reported to the credit bureau are not eligible to sign up for a monthly payment plan through TouchNet.

Non-Current Account Collections Policies

Students completing or terminating their studies with Southern Adventist University should pay their account balance in full prior to leaving. If a student is no longer enrolled and has not paid off their student account in full, the account will be designated as non-current. A finance charge of one percent per month will apply to all non-current accounts.  If a non-current account holder is owed any money, for any reason, from Southern Adventist University (does not include payroll), up to 90% of the money owed will be applied to their non-current account with the remaining funds given to the non-current account holder. 

Credit Bureau Reporting

When a student account designation has been changed from current to non-current, a collection letter will immediately be sent to notify the student that adverse information will be reported to the credit bureau if satisfactory payment arrangements are not made. Once an account is reported to the credit bureau, it must continue to be reported until the account is paid in full and has had no activity for six months or is transferred to a collection agency.

Collection Agency Collection Policies

At day 120, after the designation from a current to a non-current account, if account is not paid in full or satisfactory payment arrangements have not been made, the account will be transferred to a collection agency and/or attorney.

If Southern Adventist University deems it necessary to employ a collection agency and/or attorney to collect defaulted accounts, all charges for these services, including collection and/or court, will be added to the unpaid account.

Bankruptcy Policies

Recognizing that the discharge of a debt through bankruptcy proceedings prohibits a creditor from subsequently pursuing the collcollection of the debt, Southern Adventist University, upon notification by the court of such filing, will comply with this legal prohibition. No further services will be extended. The bankruptcy of a financial sponsor in no way changes the underlying financial obligation of the student to pay their student account and/or student loans.

Transcript and Diploma Requests

Under U.S. Department of Education regulations, Southern Adventist University will withhold official academic transcripts, diplomas, certificates of completion, and other records if a student has an unpaid or past due student account, has any federal or institutional student loans that are past due or in default and/or has not completed exit counseling for ALL federal or institutional student loans. Exit counseling is required for each type of loan when a student graduates, leaves school, or drops below half-time enrollment.

For non-enrolled students, official academic transcripts will be released once the student account is paid in full. For currently enrolled students, exceptions may be considered when the account is current except for the pending disbursement of a Federal student loan.

When payment is made by personal check, the transcript will be held for ten working days to allow the check to clear. TO EXPEDITE THE RELEASE OF THESE DOCUMENTS, THE STUDENT SHOULD SEND A MONEY ORDER, CASHIER’S CHECK OR PAY BY CREDIT OR DEBIT CARD TO COVER THE BALANCE OF THE ACCOUNT.