Sep 19, 2020  
Graduate Catalog 2010-2011 
Graduate Catalog 2010-2011 [ARCHIVED CATALOG]

Financing Your Education

Graduate students assume the primary responsibility for their educational costs. Financial aid is available to U.S. citizens and permanent residents in the form of low-interest federal and private educational loans. Repayment of these loans begins after a student drops below half-time status. Some private institutional scholarships and graduate assistantships are available for students in the Master of Business Administration, Education, Counseling, Nursing, and Social Work programs. Students may apply for scholarships and assistantships through the respective schools.

Students receiving Seventh-day Adventist conference assistance for tuition and living expenses may not be eligible for financial aid. International students are not eligible for U.S. federal financial aid.

Federal Stafford Loan Requirements and Disbursements

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

Graduate students may borrow up to $20,500 per year ($8,500 Subsidized, $12,000 Unsubsidized Stafford Loan) or the cost of attendance, whichever is less, at an annual interest rate that will not exceed 6.8 percent. Principal repayment begins six months after the student ceases to be enrolled in a minimum of five credit hours. Students receiving a Federal Stafford Loan must complete and mail the Free Application for Federal Student Aid (FAFSA) and a loan application six to eight weeks prior to registration. Student borrowers may not receive anticipated loan funds unless the amount borrowed exceeds the direct costs, and the funds have been received by Southern. If extenuating circumstances arise, students may appeal to the Financial Appeals Committee.

Ability to Benefit

The federal government 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. Therefore, provisionally accepted students will not receive loan proceeds until an official copy of their undergraduate transcript is submitted to the Graduate Studies office.

Satisfactory Academic Progress Policy for Receiving Federal Financial Aid

Government regulations require financial aid recipients to maintain satisfactory academic progress toward a degree, as measured both qualitatively and quantitatively, in order to receive financial aid, including federal loans. This requirement applies to the entire period of enrollment in a graduate program at Southern Adventist University—including periods during which a student does not receive financial aid. Failure to comply with this requirement may result in ineligibility for financial aid.


To be eligible for receiving financial aid, students must maintain a minimum cumulative GPA of 3.00 and complete a minimum of 67 percent of attempted credit.

Attempted credits are those for which a student registers and attends at least two class periods. Aid is awarded based on these credits. Incompletes, withdrawals, and failed classes count toward the total attempted credits. A repeated course counts as attempted credit each time it is taken.

Completed credits apply to a student’s degree and receive a passing grade. Incompletes, withdrawals, failed classes, and audits do not count as completed credits.

Time Frame for Receiving Financial Aid

The maximum time to receive financial aid is 150 percent of the established course length. A student may receive financial aid for up to two graduate degrees.

Progress Review

Enrollment Services reviews each student’s academic progress at least once per academic semester and sends written notice if satisfactory academic progress in not maintained.

A student whose financial aid has been suspended as a result of failing to comply with this policy, and who believes that unusual and unavoidable circumstances led to this suspension, may appeal to the Financial Appeals Committee. Enrollment Services advises the student in writing of the committee’s decision.

Fees and Charges 2010-2011

Effective May 1, 2010, graduate tuition is $504 per credit hour.

The following special fees and charges are assessed individually as applicable:
  Add/Drop Fee $20.00  
  Application fee 25.00  
  Graduation fee 50.00  
  Insufficient funds check fee and penalty 25.00  
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  
Late registration 50.00  
Parking fee 15.00  
Replacement of ID card 15.00  
Transcript fees:    
  1-5 copies first class mail Free  
  Each additional 5 copies 10.00  
  FEDEX service 25.00  
  International fax service 15.00  
  Validation exam recording fee 35.00  

Payment Plans

Southern Adventist University offers a three-percent discount for students enrolled at least half-time who pay with cash or check their full expenses prior to the start of classes; or a one-percent discount to those enrolled at least half-time who pay by credit card their full expenses prior to the start of classes. Southern offers a monthly payment plan option for any charges that are not paid in full before the semester begins or that are not already covered by federal loans. Students receiving federal loans that are equal to or greater than their tuition expenses and are guaranteed by the lender prior to registration are not required to pay until the loan proceeds are received by Southern.

Financial Aid Budget 2010-2011

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

Estimated Expenses

  (12 mos.) (8 mos.) (4 mos.)  
Tuition (9 credit hrs) $13,608 $9,072 $4,536  
Housing 9,000 6,000 3,000  
Board 3,000 2,000 1,000  
Books and Supplies 1,500 1,000 500  
Personal/Transportation 6,000 4,000 2,000  
Financial Aid Budget* $33,108 $22,072 $11,036  

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


If a student officially withdraws during the course or semester, a refund of tuition for hours dropped is made according to the date on the withdrawal form. All required signatures must be obtained and the form must be filed with the Records and Advisement Office.

Tuition refunds, when a student withdraws from a course, are calculated as follows:

  • during the first two class periods
  • from the third class to course midpoint
  • from midpoint to course ending date







International Student Deposit

In addition to regular University charges, an international student deposit of $3,000 (USD) is required. (Canadians and documented permanent residents of the U.S. are not required to pay the international student deposit.) The deposit must be received by Enrollment Services before an I-20 Form is sent to the prospective student for entry to the U.S. This deposit is held until the student graduates, withdraws from Southern, or is unable to pay his or her student account, at which time the international deposit is applied to the student’s account. If the account has been paid in full, the deposit is refunded after the final statement is issued.

Credit Cards

The Cashier’s Office honors VISA, MasterCard, Discover, and American Express cards for making payments on student accounts. No cash withdrawal service is available from the Cashier’s Office. This service may be obtained from a local financial institution or ATM.

The following information is required for paying an account with a credit card: 1) type of credit card, 2) cardholder’s name, 3) credit card number, and 4) expiration date.

Summer Residence Hall

A refundable deposit of $250 is required of each student. This deposit is held in reserve until the student permanently moves out of the residence hall. Seventh-day Adventist conference-sponsored students enrolled part time in the summer program are exempt from this requirement.

The rental charge per person for dual occupancy is $14 per day. When available, single occupancy is permitted at $21 per day. Room charges are posted monthly to the student account based on the number of days a room is occupied/reserved.

Pets and/or children are not permitted to stay in the residence halls.

Arrangements for summer residence hall housing are made through the Talge Hall office manager (423.236.2990).

University Apartments

The University apartments are available on a first-come-first-served basis. Rental arrangements are made in Financial Administration (423.236.2529). The first month’s rent and a $250 housing deposit is required before a rental agreement is issued. An additional $5 deposit for each key is required before apartment keys are issued. 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. Semester rental charges are posted to the student’s account to be paid monthly. Rates are subject to change without notice.

Books and Supplies

Textbooks, school supplies, and other class materials are available at the Campus Shop.

Release of Transcripts or Diplomas

Transcripts, diplomas, certificates of completion, and other records are withheld if a student has an unpaid or past-due account at the school, any unpaid account for which the University has co-signed, or if a federal loan borrower has not completed a Federal Stafford Loan Exit Interview.

When payment is made by personal check, the transcript is held until the check clears.

Students with an amount that has been written off due to an uncollectible account, settlement, or lost account must pay the written off amount prior to enrolling in any class or being accepted as a graduate student.

Accounts that have not been paid in full due to bankruptcy must be paid in full before acceptance or enrollment unless (1) the student has received a hardship discharge from the bankruptcy court and provides a copy of the same to the University or (2) the student can demonstrate to the satisfaction of the University that his or her account falls outside of the educational benefit discharge exception of Section 523(a)(8) of the Bankruptcy Code.