Dec 09, 2018  
2018-2019 Catalog 
    
2018-2019 Catalog

Student Financial Planning



Students’ financial plans are developed based on the students’ current financial circumstances. An array of financial choices for meeting the students’ financial needs are considered, and eligible students may choose the best options to support meeting their educational goal.

The most common elements of financial planning are:

  1. Setting an academic goal
  2. Establishing a path to graduation
  3. Identifying the financial resources required to meet the academic goal
  4. Matching financial need with the available financial options

Financial resources and payment options include:

  1. US government federal financial aid
  • Loans are the most widely used tool for financing education and provide a low-cost alternative and a wide array of financing options.
  • Grants are available to undergraduate students who demonstrate financial need and are US citizens or eligible noncitizens.
  1. Golden Gate University is eligible to participate in the California Chafee Grant for foster youth and the California National Guard Education Assistance Award Program.

Federal Financial Aid

GGU strongly encourages all students to apply for financial aid as part of a financial plan to finance educational costs. The Financial Aid Office provides guidance throughout the financial aid application process.

Eligibility Requirements for US Government Federal Aid Programs

All students must meet the following criteria:

  • Be a US citizen or eligible noncitizen of the United States.
  • Be a permanent resident of any state except the following: Alabama, Arkansas or Wisconsin; GGU is not authorized to offer online education to students who reside in these states. Therefore, GGU is not able to offer federal financial aid and/or GGU scholarships, grants or discounts to students who reside in these states.
  • Have earned a high school diploma, GED or state certificate, or have completed homeschooling at the secondary level as defined by state law.
  • Be admitted (excluding provisional admission) and matriculated in a degree program at GGU; certificate programs in open enrollment are ineligible.
  • Be enrolled in courses with at least half-time enrollment status at GGU per trimester (minimum 15-week period), with the following exception: Eligible undergraduate students may receive the Federal Pell Grant with less than half-time enrollment status; if repeating a course (that the student previously passed) in order to earn a better grade, the student’s first repeat attempt only may be included in the enrollment status calculation.
  • Maintain satisfactory academic progress (SAP) as required by the financial aid policy.
  • Not be in default on a federal student loan or owe a federal grant overpayment.
  • Disclosing to the Financial Aid Office that you plan to receive financial aid at another institution at the  same time.
  • Males must be able to provide proof of registration with the Selective Service upon request. Registration with Selective Service must have occurred between the ages of 18 and 25.

Application Process Steps

  • Student completes the Free Application for Federal Student Aid, commonly known as the FAFSA. The application is available online at www.fafsa.ed.gov; the student should include GGU’s Title IV school code 001205 in step six of the FAFSA (students should not use forms from other websites as fees might be charged).
  • FAFSA information is processed and results are sent to the institution(s) and to the student (average time 2-4 business days). GGU reviews the FAFSA information and may request other required documents.
  • Student must also complete the GGU financial aid application. The application is required and is available at www.ggu.edu. The form may be found by searching for “financial aid application” in the search box.
  • GGU reviews the financial aid application and prepares a financial package for eligible students. Note: Students may be required to submit additional paperwork and forms after the application review.
  • GGU prepares a financial aid award letter and makes it available to the student via GGU4YOU at www.ggu.edu. The type and amount of the awards are dependent upon the student’s grade level, anticipated enrolled units and trimesters, and aid program eligibility requirements.
  • The student accepts loans offered on the award letter via GGU4YOU at www.ggu.edu; the student may choose to reject some or all of the loans offered.
  • GGU originates accepted loans with the US Department of Education.
  • Eligibility is verified and financial aid is disbursed to a student’s account. The timing of the disbursement is dependent upon the date the student accepts the awards as well as the date the loans are originated.
  • Once financial aid is disbursed to a student’s account, if a credit balance results, the Finance Office transmits the amount to the student’s bank account by direct deposit or mails a paper check to the student; the Finance Office remits the credit balance within 10 business days after it appears in the student’s GGU account.

Calculation of Financial Aid

A general budget is created based upon an average cost of housing, food, books/supplies, transportation, personal expenses, tuition and fees. The tuition expenses are based upon the total unit enrollment the student indicated on the GGU Financial Aid Application. This budget is called cost of attendance (COA).

Standard financial aid policy requires that students and/or students’ families contribute a portion of financial resources to pay for the cost of education. The contribution amount is calculated by the information provided by the student on the FAFSA or after further verification occurs and it is called expected family contribution (EFC).

The student’s financial need may be calculated by taking the COA and subtracting the EFC - the remainder is the financial need. The Financial Aid Office calculates program awards based on the criteria for each program for which the student may be eligible.

In some instances, financial aid awards are not sufficient to finance total tuition expense. Additional financing options, such as the installment payment plan, are described in this section of catalog, or students may contact the Financial Aid Office or Student Accounting Services for further assistance.

Types of Federal Financial Aid

Grants based upon student financial need

Federal Pell Grant

The Federal Pell Grant is available to undergraduate students who are pursuing their first bachelor’s degree and have high financial need (low EFC), as calculated by the FAFSA formula. The US Department of Education will notify the student about Pell Grant eligibility by sending a Student Aid Report (SAR) to each student who files the FAFSA. For 2018-19, Federal Pell Grants maximums is $6,095 per academic year and are awarded based upon the student’s financial need (EFC) and verified enrollment status.

Federal Supplemental Educational Opportunity Grant (FSEOG)

FSEOG awards are offered to undergraduate students who are pursuing their first bachelor’s degree and who demonstrate high financial need (have the lowest EFCs), and are enrolled at GGU for at least six units per trimester and who are Federal Pell Grant recipients. Awards for the academic year are dependent on the federal funding allocation for that year. Once the funds are allocated for the year, no further funds can be awarded. Currently, the maximum award for FSEOG is up to $750 per trimester. However, amounts may be lowered once funding has been allocated.

Loans

William D. Ford Federal Direct Loan Annual Borrowing Limits*

Academic Level

Dependent Students**

Independent Students**

Freshmen (29 or fewer units)

$ 5,500

$ 9,500

Sophomores (30-59 units)

$ 6,500

$ 10,500

Juniors/Seniors (60 or more units)

$ 7,500

$ 12,500

Graduates (have bachelor’s degree)

not eligible

$ 20,500

* The amounts shown represent the total combined eligibility for subsidized and unsubsidized direct loans as of July 1, 2008.

**Dependent or independent status is determined by the US Department of Education criteria on the FAFSA.

Direct Subsidized Loans

Direct Subsidized Loans are awarded only to undergraduate students who meet the financial need criteria established by the US Department of Education. Students must be enrolled at least half-time per trimester. The US Department of Education pays the interest on the loans while students are enrolled in school, at least half-time, and for the first six months after dropping below half-time, withdraw from school or graduating. Typically, half-time status for undergraduate students requires enrollment in six or more units. Important note: Interest rates are subject to change each July 1. Interest rates on Subsidized Direct Loans for 2018-19 are 5.05%. ONLY undergraduate students are eligible for Subsidized Direct Loans.

Direct Unsubsidized Loans

Direct Unsubsidized Loans are non-need based loan awarded to both Undergraduate and Graduates. Students must be enrolled at least half-time per trimester. A student may pay the interest while in school or allow the interest to accrue and the interest will be added to the principal amount of the loan.

The interest rate for 2018-19 is 5.05% for undergraduates and 6.6% for graduates and is subject to change each July 1. Students must begin repaying the loan, principal and interest six months after graduation or when a student ceases to be enrolled at least half-time. Half-time status for undergraduate students requires enrollment in six or more units per semester. Half-time status for graduate students requires enrollment in four or more units per semester. The US Department of Education may charge an origination fee, which the student must repay. This fee is deducted during disbursement and is included when repayment begins.

Loan entrance counseling is required by the US Department of Education before federal loans are disbursed to first-time borrowers. Entrance loan counseling will advise students of their responsibilities, loan information and the requirement that the loan must be repaid. Visit www.studentloans.gov for more information.

Loan exit counseling is required for GGU borrowers who drop below half-time status or graduate. Loan exit counseling is required by the US Department of Education to ensure that students understand their rights and obligations and repayment processes and requirements. Visit www.studentloans.gov for more information.

Federal Parent Loans for Undergraduate Students (PLUS)

PLUS loans are available to parents or stepparents of dependent undergraduate students. Parents may borrow up to the cost of attendance, minus any other aid their dependent may receive. Parental applicants for this program must be creditworthy as assessed by the US Department of Education. PLUS loans are not subsidized by the US Department of Education.

The interest rate is variable, adjusted each year on July 1, and maximized at 9 percent. The interest rate for 2018-19 is 7.6% and is subject to change each July 1. Interest accrues from the date the loan funds are disbursed and until the loan is repaid in full. The US Department of Education may charge fees, which will be paid at the time loans repayment commences. Students are required to file a FAFSA but financial need is not a factor in the parental application process.

Graduate PLUS (Grad-PLUS)

Graduate students may apply for the GradPLUS loan. Graduate students who attend at least half-time per trimester may be eligible. To calculate a GradPlusloan, subtract all financial aid from the student’s cost of attendance (COA). An example is shown below.

Cost of Attendance

$25,000

Minus Scholarship

- $500

Minus Stafford Loans

- $20,500

Amount of G-PLUS

$ 4,000

The interest rate for 2018-19 is 7.6% and subject to change each July 1. Graduate applicants to this program must be credit worthy with the US Department of Education. GradPLUS loans are always unsubsidized. Students may pay the interest while in school. Students are required to file a FAFSA but financial need is not a factor. A separate loan application is required and there may be additional fees. For more information, visit www.ggu.edu and search for “Graduate PLUS.”

Federal Work Study

Federal Work Study (FWS) is a need based fund available from the Department of Education. Students must complete a FAFSA (answer “yes” to question 31 on the FAFSA) and must be eligible to work in the US and provide documents to substantiate employment eligibility. FWS jobs may be located on or off campus. Pay rates are competitive and vary depending on the position and skills required. FWS jobs are limited to the total amount shown on the award letter. Awards for the academic year are dependent on the federal funding allocation to GGU for that year.

Scholarships and Grants

GGU scholarships and grants cover a portion of tuition costs. Typically, applicants and students receive partial scholarships/ grants and are eligible to receive one scholarship or grant.

For 2018-19, the following GGU Scholarship and Grants are offered. Information about the scholarship and grants are available online at www.ggu.edu and from the Financial Aid Office.

  • Degree Completion Scholarship
  • EMBA Corporate Fellowship Scholarship
  • FPA Scholarship
  • International Welcome Scholarship
  • Jump Start Grant
  • Phi Theta Kappa Scholarship
  • Personal Leadership Grant

Endowed and Gift Scholarships

Endowed and gift scholarships are funded through the generosity of GGU alumni, friends, foundations and corporations. Typically our Special Scholarship Applications are available during the late summer and awarded for the following academic year. Information is posted on our website at www.ggu.edu and an invitation to apply will be emailed to our current and new students.

Scholarships and grants amounts vary and may depend upon merit and academic achievement, financial need, enrolled units per trimester and funds availability. Scholarships are applied toward a portion of GGU tuition expense only and are not transferable. International students (F and J Visa) are eligible provided they meet the requirements above. US citizens and permanent residents must have a completed FAFSA. Students may complete the FAFSA online at www.fafsa.ed.gov.

The following scholarships are Special Scholarships that are offered annually. Information about the requirements for each scholarship is available on line at www.ggu.edu and the Financial Aid Office:

  • Alumni Association Endowed Scholarship
  • Bita Darybari Scholarship
  • William Enderlein Endowed Scholarship
  • Graduate Community Leadership
  • Gurmehar Foundation Scholarship
  • Handlery Endowed Scholarship
  • Z.M. Giles Huguenot Scholarship
  • Masud Mehran Endowed Scholarship
  • Lois Myers Endowed Scholarship
  • Nagel Miner Scholarship
  • Robert J. Shaw Scholarship
  • TEI Scholarship
  • Tritasavit Accounting Scholarship

GGU Community Tuition Assistance Grants

These tuition grant programs are available to eligible employees, graduates of GGU and their families. Students must meet the grant eligibility criteria and be admitted to a program of study in the school of business, accounting, taxation or undergraduate studies or otherwise be eligible for open enrollment. Programs offered by the School of Law are not included. Grants are applied to tuition only and are renewable providing the student continues to satisfy the eligibility criteria. Students who accept the GGU Employee Educational Assistance Remission or any other GGU grant or scholarship are not eligible. Students who become ineligible during a term will be permitted to complete the current term but will not be eligible for future terms. Students will be required to submit a separate tuition grant application at www.ggu.edu to the Financial Aid Office.

The categories and requirements of the GGU Community Assistance Grants are:

Regular Full-time Faculty and Staff Family Tuition Grant

Members of the immediate family defined as a spouse, domestic partner, child, stepchild, grandchild, parent, grandparent or sibling of regular full-time faculty and staff and who do not qualify for or choose to decline the GGU Employee Educational Assistance program are eligible for a 40 percent tuition grant (GGU Board of Trustees members and their families are eligible for this grant). The grant is not retroactive. Tuition assistance grant forms must be received by the last day of the semester for which the grant is requested.

Regular Adjunct Faculty Family Tuition Grant

Members of the adjunct faculty’s family defined as a spouse, domestic partner, child and stepchild are eligible for a 30 percent tuition grant. Regular adjunct faculty are defined as active adjuncts who have taught a minimum of three class-sections in the previous three academic years. Active, for the purposes of this grant, means eligible to continue to teach. (Adjunct faculty, themselves who do not qualify for or choose to decline the GGU Employee Educational Assistance program are eligible for this grant). The grant is not retroactive. Tuition assistance grant forms must be received by the last day of the semester for which the grant is requested.

Graduates’ Tuition Grant

Graduates of GGU degree programs are eligible for a 30 percent tuition grant. For the purpose of this grant, a graduate is defined as an individual who has received a degree from GGU. Students who have received only a GGU certificate are not eligible. The grant is not retroactive. Tuition assistance grant forms must be received by the last day of the semester for which the grant is requested.

Graduates’ Family Tuition Grant

Members of a graduate’s family defined as a spouse, domestic partner, child or stepchild are eligible for a 20 percent tuition grant. For the purpose of this grant, a graduate is defined as an individual who has received a degree from GGU. The grant is not retroactive. Tuition assistance grant forms must be received by the last day of the semester for which the grant is requested.

Public Employees Tax Class Discount

Full-time employees of US federal, state, county or city governmental entities may receive a 40 percent discount on tuition costs for any tax course offered at GGU. Only courses with the prefix TA are eligible for the discount. Employment will be verified. Additional criteria: satisfactory Academic Progress; discount is not applicable for repeating a course; and you may only apply one discount, grant or scholarship per semester. Public employees include federal, state, county, city employees and active duty military. The grant is not retroactive. Public Employees Tax Class Discount Forms must be received by the last day of the semester for which the grant is requested.

GGU Scholarship and Grant Policy

Eligible students who are US citizens and permanent residents or other eligible noncitizens are required to submit a Free Application for Federal Student Aid (FAFSA) to be considered for scholarships and grants. In step six of the FAFSA, students must indicate Golden Gate University’s Title IV code 001205 in order for the FAFSA information to be received at GGU. The FAFSA must be completed and be on file at GGU at the beginning of the trimester. International students are exempted from the FAFSA requirement.

To be eligible, undergraduate scholarship and grant recipients must:

  • Maintain a minimum half-time enrollment status (typically, six units minimum in a trimester term, or three units in each of the eight-week terms)
  • Earn a minimum of six units in each enrolled term or three units each in consecutive eight-week term that are scheduled within a trimester term
  • Maintain a cumulative GPA of 2.0

To be eligible, graduate scholarship and grant recipients must:

  • Maintain minimum half-time enrollment status (typically, four or more units per trimester)
  • Earn a minimum of four units each term
  • Maintain a cumulative GPA of 3.0

For all scholarship and grant recipients:

  • Students in the last term of enrollment (graduation candidates) will have the scholarship or grant prorated in the event that half time enrollment status is not required for graduation.
  • Scholarships and grants are not awarded for repeated classes.
  • Students who interrupt enrollment or who fail to earn the required minimum units forfeit the scholarship or grant. However, students may appeal for reinstatement of their grant or scholarship with their financial aid advisor.
  • Typically, a student will be awarded one scholarship or grant. Students who demonstrate exceptional need that is not met by the financial aid package and have already received one scholarship or grant may be awarded an additional scholarship or grant. The additional scholarship or grant will be awarded for one year and may be renewed upon appeal.
  • Students receiving other grants, scholarships or other financial assistance intended for tuition costs (i.e., other grants, tuition remission) will have their scholarships or other grants prorated. Total scholarship or grant and/or tuition remission amount cannot exceed the total tuition cost.
  • Satisfactory academic progress (SAP) must be maintained to remain eligible.
  • Scholarships and grants may not exceed the total cost of tuition in a trimester or other term.
  • GGU scholarships and grants are applied towards tuition costs. No award shall exceed amount of tuition.
  • GGU scholarship and grants are credited to the student’s account at the end of September, January and/or June.
  • Most scholarships and grants are awarded for duration of the academic program; however, some are awarded for one year or one time only.
  • The total amount of scholarships and GGU grants are dependent on yearly contributions, budgets and other funding issues and are subject to change.
  • Scholarships and grants are subject to budget control and/or donor contributions.

Alternative/Private Loans

GGU has a list of lenders who offer loans to students as an alternative to Direct Loans. These loans can supplement the gap between the cost of attendance minus all financial aid awards. Participating lenders have their own criteria for loan eligibility. Typically, students must be US citizens or permanent residents and demonstrate creditworthiness. Repayment may be required to begin immediately; interest rates and deferment options will differ from lender to lender. GGU recommends that students compare the variables and options of each lender before making a decision to pursue an alternative/private loan. Visit www.ggu.edu for further information.

International Students Loans

A limited number of lenders offer loan programs to international (F and J visa) students. These loans are private or alternative loans. International students are required to have a US citizen or permanent resident as a cosigner. Deferment, repayment, loan limits and other options vary from lender to lender. If approved, the loan amount may not exceed the cost of attendance for an academic year. Lenders reserve the right to make changes to these loans without prior notice. Visit www.ggu.edu for further information.

Obligation for Payment

Enrollment constitutes a financial contract between the student and the University. Students’ rights to university services and benefits are contingent upon their making all payments as agreed upon. If payments of amounts owed to the University are not made when they become due, GGU has the right to cancel a student’s registration and/or administratively withdraw the student from the current term; withhold grades, transcripts, diplomas, scholastic certificates and degrees; and impound final exams. Failure to maintain good financial standing with the University will cause students to become ineligible for any deferred payment plans and/or some forms of financial aid. In addition, balances due the University are reported to the credit agencies, which may impact students’ credit ratings.

Prior to registering for a new term, students must pay any outstanding balances from any preceding terms. Students who do not pay their outstanding balances or make payment arrangements satisfactory to the University will not be permitted to register. This policy applies to any outstanding balances with Golden Gate University, including those with the Golden Gate University Bookstore, or any other company that operates a concession or service contracted by the University.

Payment Due Date

To complete the enrollment process, students must pay all registration charges (tuition and fees) by the payment due date for the term as published in the applicable academic calendar or qualify for an alternative payment option by the payment due date for the term. Failure to do so will result in the cancellation of the student’s registration. Each term’s payment due date is published in the academic calendar, which appears on p. 116 of this catalog. The University accepts payment in cash, personal check in US dollars only, traveler’s checks in US dollars only, debit card, credit card (MasterCard/Visa/American Express/Discover), wire transfers, and electronic check. In addition, the University offers the following payment plans, some of which require verification of eligibility prior to registration:

Installment Payment Plan

Tuition Management Systems (TMS) is the exclusive payment plan provider for Golden Gate University. Plans are available to students with satisfactory financial standing. Students have the option to elect an automatic debit from their checking account or credit card payment. Eligible students must register with TMS by calling 800-722-4867 or go to www.afford.com/ggu and pay a $55 nonrefundable processing fee per enrollment term. The balance is due in two to five equal installments over the course of the term. The number of installment payments is based upon the date of registration. Installment payments are due to TMS on the first of each month. In all cases, final payment is due on December 1 for fall term, May 1 for spring term and August 1 for summer term. TMS sends statements directly to the student.

Payments should be sent to Tuition Management Systems, Payment Processing Center, PO Box 645113, Cincinnati, OH 45264-5113.

Late payments incur an additional $40 late fee per occurrence. International students (F and J visa) are not eligible for the installment payment plan in their first term at the University.

Corporate Direct Pay and Corporate Reimbursement Plan

Golden Gate University offers a corporate reimbursement plan through payment plan management provider Tuition Management Systems (TMS) to students in good financial standing. To be eligible for this plan, the student’s employer must be a third party other than the student and agree prior to registration to pay for tuition and/or fees.

An authorization form can be obtained from the Student Accounting Services Office. This form must be completed each term and submitted along with the business card of the authorizing officer to the Student Accounting Services Office. In addition, in order to participate in this plan, the student must sign up with TMS by calling 800-722-4867 or go to www.afford.com/ggu and pay a $100 nonrefundable processing fee each term. Payment is due on February 5 for the fall term, July 5 for the spring term, and October 5 for the summer term. A statement is sent by TMS, and all payments should be mailed to Tuition Management Systems, Payment Processing Center, PO Box 645113, Cincinnati, OH 45264-5113.

The University is not responsible for billing the company. If, for any reason, the employer fails to pay the University, the student remains responsible for payment of the full tuition and fees. A late payment fee of $40 will be assessed if payment is not received by the final due date indicated on the authorization form and a 1.5 percent finance charge per month after 30 days past due.

Corporate/Agency Direct Bill Plan

If the student’s employer agrees to pay tuition and/or fees upon registration and without grade or course completion limitations, the University will bill the student’s employer directly for all authorized costs. Payment in full is due 30 days after billing. To be eligible for this plan, the employer must be a third party other than the student; Golden Gate University and the student’s employer must execute a contract agreeing to payment terms prior to completing registration. A standard contract agreement is available from the Student Accounting Services Office and must be submitted and approved prior to registration. If the company authorizes less than 100 percent payment of registration charges, the student will be required to utilize one of the University’s other payment plans for that portion of the total charges not covered. If, for any reason, the employer fails to pay the University, the student remains responsible for payment of the full tuition and fees. Golden Gate will assess the account a late payment fee of $40 if not paid within 30 days of billing.

After reviewing the student financial planning components, students will be able to build their own plan to cover educational costs. Should any student want or need further assistance with their financial plan, GGU’s Financial Aid Office staff is available for consultation.

Financial Aid Disbursements

Federal and State Grant Programs, Federal Perkins Loan and Scholarships

Students must meet all of the eligibility requirements of the program or loan before a disbursement is made. Enrollment verification is performed each trimester prior to the disbursement of funds. The student’s financial aid award is based on the information provided on the GGU Financial Aid Application at the time the award is calculated. If there are changes in the enrollment information at the time of disbursement, the student’s award will have to be recalculated. Recalculation may result in changes to the original award amounts and delay disbursements and credit balance payments.

All loans, grants, and GGU scholarships are applied to tuition costs first and are not automatically released directly to the student. If the disbursement of funds to the student’s account produces a credit balance, a deposit will be made to the students’ bank account or a check will be mailed to the student. Credit balances can be provided through direct deposit to a student’s checking or savings account if the student enrolled in the direct deposit option prior to the disbursement of funds to the student’s account. Students should go to http://www.ggu.edu and login to GGU4YOU to enroll in Direct Deposit. Payments by mailed check or direct deposit occur within 10 business days after the credit balance appears on the student’s GGU account record.

Direct Loans

Federal Direct loans are sent electronically to the university by the US Department of Education. Dates of federal direct loan disbursements are dependent on the start date of the trimester, when the student’s enrollment status has been verified and when the loan process has been completed. Federal direct loans are disbursed in two equal amounts for two terms. If the U.S. Department of Education charges fees, the disbursed amount will be minus the fees. First-time Federal Direct Loan borrowers must complete entrance loan counseling before funds can be disbursed.

Direct PLUS/Graduate PLUS (G-PLUS)

Federal PLUS funds are disbursed based upon the trimester start date, when the student’s enrollment status has been verified and when the loan process has been completed. The US Department of Education may charge fees that will have to be repaid. The fees will be included in the amount to repay. The initial repayment of the loan starts within 60 days after the loan has been fully disbursed. If a federal PLUS is applied to the student’s account and a credit balance occurs, the credit balance will be sent to the student’s parent(s).

Graduate PLUS loans can be awarded to students who request additional funds beyond their direct subsidized/unsubsidized loan eligibility. Credit worthiness is checked by the US Department of Education. The Graduate PLUS award is COA minus the amount of all financial aid awarded. Graduate PLUS requires a separate loan application. If a credit balance is produced, Graduate PLUS loan funds are applied to the student’s account and the credit balance is released to the student.

Current financial aid funds cannot be applied retroactively to past due balances greater than $200 per federal regulations.

Satisfactory Academic Progress (SAP) Policy SAP Standards

To be eligible for federal and State of California financial aid (loans and grants), students must be making satisfactory academic progress (SAP) in accordance with US Department of Education regulations. Students are evaluated for SAP at the end of each enrolled trimester for which they received state or federal aid. Students must continue to meet the university’s SAP standards as they pursue their academic programs in order to remain eligible for financial aid. A student’s SAP is measured in three ways:

  1. Qualitatively - Cumulative Grade Point Average
  • Undergraduate students must maintain a minimum cumulative GPA of 2.00.
  • Graduate and doctoral students must maintain a minimum cumulative program GPA of 3.00.
  1. Quantitatively - Completion Rate
    Undergraduate students must achieve a minimum 67 percent completion rate for all units attempted toward their academic programs. In addition, they must achieve a minimum 67 percent completion rate for all GGU institutional units (not including transfer units) attempted toward their academic programs. This rate is equivalent to successfully completing two out of three courses attempted. Graduate students must achieve a minimum 75 percent completion rate for all units attempted toward their academic programs. This rate is equivalent to successfully completing three out of four courses attempted.
  2. Maximum Attempted Units Allowed
    Students must complete the requirements for their academic programs within 150 percent of the minimum units required to complete their academic programs. (For example, a student enrolled in a degree program that requires a minimum of 123 units may attempt up to 185 units to complete the program). Units attempted also include all units transferred into GGU from prior institutions that can be used to satisfy students’ academic program requirements. Students who have reached their maximum attempted units allowed are ineligible for additional financial aid. Students may appeal for financial aid probation status if they feel their circumstances warrant an exception to this standard.

Effects of Repeating Courses

When students repeat courses for which they failed to earn passing grades, or when students repeat courses to earn better grades, all course attempts are calculated in the students’ quantitative measure of progress (standard #2 above), and total units attempted toward their maximum units allowed (standard #3 above).

Effects of Non-Letter Grades

“I” (incomplete), “UW” (unofficial withdrawal), “XW” (unofficial withdrawal) and “W” (withdrawal) grades award no academic credit and have no grade point value and are not used in the calculation of the student’s grade point average.

“CR” (credit) and “NC” (no credit) grades have no grade point value and are not used in the calculation of the student’s grade point average. However, “CR” (credit) grades do award academic credit, while “NC” (no credit) grades do not.

All courses with non-letter grades are included in the calculation of the quantitative measure of progress (standard #2 above) and in the maximum attempted units (standard #3 above).

Refer to Grading Practices and Academic Transcripts  for further information.

Financial Aid Warning Status

Students who fail to make satisfactory academic progress (SAP) will be placed on financial aid warning status for one trimester following the trimester after which they did not meet the university’s SAP standards. Students must meet the SAP standards at the end of the warning trimester or they will become ineligible for additional financial aid. Students on financial aid warning status are eligible for financial aid for only one trimester. If a student has already been awarded aid for two trimesters at the time of the SAP evaluation, the student’s awards will be canceled and reprocessed for one

Financial Aid Probation Status Without an Academic Plan

Students who become ineligible for financial aid due to failure to achieve satisfactory academic progress at the end of a warning trimester or due to reaching the maximum units allowed for their academic program (standard #3 above) may appeal in writing for financial aid probation status. To be eligible for financial aid probation status, it must be mathematically possible for students to achieve satisfactory academic progress by the end of the subsequent trimester. The calculation assumes enrollment in a maximum of nine units. Students should appeal in writing to the Financial Aid Appeals Committee and explain the reason for their failure to make SAP and what has changed that will allow them to make SAP at the end of the next enrolled trimester. Some possible reasons for appeal include: a death in the family, injury, illness or other unusual or unexpected circumstances. In support of the appeal, students should submit at least one professional reference letter on letterhead or other record (such as a death certificate) to document their changed circumstances. Students may obtain professional references from doctors, counselors, clergy, lawyers, school officials, therapists, social workers, etc. Students who experienced illness or injury should submit copies of medical records in support of their appeals. The Financial Aid Appeals Committee will review each appeal on its own merits and will send a response to each appeal via e-mail within 10-14 business days.

Students approved for financial aid probation status will be eligible for financial aid for one trimester only. At the end of the financial aid probation trimester, students will be evaluated against all three SAP standards. Students who fail to meet the SAP standards at the end of a probation trimester become ineligible for additional aid. Students in this circumstance may see the section “How to Reestablish Financial Aid Eligibility” in this catalog for further information.

Financial Aid Probation Status with Academic Plan

Students for whom it is mathematically impossible to achieve satisfactory academic progress at the end of the subsequent trimester by attempting 6 to 9 units and who would require two or three trimesters (maximum of 27 units) in order to achieve satisfactory academic progress may be eligible for probation status with an academic plan. Students may appeal for probation status with an academic plan as described above. If approved, students may receive financial aid for up to three trimesters (maximum of 27 units) in order to achieve the university’s satisfactory academic progress (SAP) standards or graduate. All other financial aid program eligibility requirements, such as aggregate loan limits, continue to apply.

Students approved for probation with an academic plan must meet with their student services advisers and have their schedules approved prior to registration. Students will be allowed to register once their student services adviser notifies the Financial Aid Office of their approved academic plans. In addition to completing the approved courses, students must satisfy the following requirements each trimester while on an academic plan:

  1. Qualitatively - Grade Point Average
  • Undergraduate students must earn a minimum trimester GPA of 2.00; if the student is not required to repeat any courses, the academic plan may require the student to earn a higher trimester GPA in order to raise the student’s cumulative GPA.
  • Graduate and doctoral students must earn a minimum trimester GPA of 3.00; if the student is not required to repeat any courses, the academic plan may require the student to earn a higher trimester GPA in order to raise the student’s cumulative GPA.
  1. Quantitatively - Completion Rate

Students must achieve a 100 percent completion rate each trimester for all courses attempted in accordance with the student’s academic plan.

Students are evaluated at the end of each probationary trimester to determine whether they have met the requirements of the academic plan. Students who meet the requirements of the academic plan may continue on financial aid probation status for the next trimester. Students who fail to meet the requirements of the academic plan after any probationary trimester become ineligible for additional aid. Students in this circumstance may see the section “How to Reestablish Financial Aid Eligibility” in this catalog for further information.

Students are evaluated at the end of each probationary trimester to determine whether they have met the requirements of the academic plan. Students who meet the requirements of the academic plan may continue on financial aid probation status for the next trimester. Students who fail to meet the requirements of the academic plan after any probationary trimester become ineligible for additional aid. Students in this circumstance may see the section “How to Reestablish Financial Aid Eligibility” in this catalog for further information.

How to Reestablish Financial Aid Eligibility

Students may reestablish financial aid eligibility by enrolling at Golden Gate University and completing one or more trimesters of at least half-time status (usually six units per trimester for undergraduate students, and four units per trimester for graduate students) without federal or state financial aid and achieve the applicable cumulative GPA and completion rate standards.

Unsatisfactory Academic Progress Example

A student who fails to meet the qualitative (GPA) and/or quantitative (completion rate) standards at the end of the fall semester will be placed on financial aid warning status for the spring semester. If the student fails to meet either of these two standards at the end of the spring semester, the student becomes ineligible for financial aid. If the student submits an appeal for probation and the appeal is approved, the student will be allowed one trimester on probation status. At the end of the probation trimester, if the student fails to meet either of these standards, the student is again ineligible for financial aid. In order for the student to reestablish eligibility after a probation semester, the student must complete at least one trimester at Golden Gate University without the use of financial aid. Once the student has achieved each of these standards, the student is again eligible to receive financial aid, provided the student has not exceeded the maximum attempted units allowed for program standard.

Federal Student Financial Aid Return of Title IV Funds Policy

Federal financial aid recipients who withdraw completely from all of their courses during an enrollment period (fall, spring, or summer trimester) must notify the Financial Aid Office by e-mail at finaid@ggu.edu after submitting the proper withdrawal request to the registrar. Complete withdrawal may be accomplished by dropping all enrolled courses, receiving “UW” grades in all enrolled courses, requesting “W” grades in all enrolled courses, or any combination of the three.

The federal regulations specify the method that Golden Gate University must use to determine the amount of Title IV program assistance a student has earned should the student withdraw from all courses. The Title IV programs that are covered by these regulations are: Federal Pell Grants, Direct Loans, Direct PLUS Loans, Federal Supplemental Education Opportunity Grants (FSEOG), and Federal Perkins Loans.

The amount of assistance earned is determined on a pro rata basis. For example, if a student completes 30 percent of the payment period, the student earns 30 percent of the assistance the student was originally scheduled to receive. Once the student has completed more than 60 percent of the payment period, the student has earned all the assistance that the student was scheduled to receive for that period.

Federal financial aid awarded to the student and not earned at the time of the effective date of withdrawal or leave of absence will be returned to the Federal Title IV Student Financial Aid Programs. Both the student and the university may be required to return all or a portion of the federal financial aid disbursed for the specified enrollment period. For withdrawal procedures, students should refer to the university’s Withdrawal Tuition Credit Policy.

If financial aid funds must be returned to the Title IV aid programs, loan funds will be returned before grant funds. Federal financial aid funds are returned in the following order:

  1. Direct Unsubsidized Loans
  2. Direct Subsidized Loans
  3. Federal Perkins Loan
  4. Direct PLUS Loan/Direct Graduate PLUS Loan
  5. Federal Pell Grant
  6. Federal Supplemental Educational Opportunity Grant (SEOG)
  7. Other assistance programs authorized by Title IV of the Higher Education Assistance Act

If a tuition adjustment occurs after the return of Title IV Funds that produces a credit balance on the student’s account, the credit balance payment will be issued to the student. The student may request Direct Loan funds to be returned to the US Department of Education to reduce the student’s outstanding loan balance. For additional credit balance payment information, students should refer to the Credit Balance Payment Policy.

Veterans Affairs (VA) Educational Benefits Recipients

Golden Gate University is approved to certify students for veterans benefits.

The following Veterans Affairs Educational Assistance Programs are available to eligible veterans and dependents:

  • Chapter 1606 Montgomery GI Bill®*: Selected Reserve
  • Chapter 30 Montgomery GI Bill®*: Active Duty
  • Chapter 31 Veterans Affairs Vocational Rehabilitation
  • Chapter 32 Veterans Educational Assistance Program (VEAP)
  • Chapter 33 Veterans Post 9/11 and Yellow Ribbon Benefits
  • Chapter 35 Survivors’ and Dependents’ Educational Assistance

* GI Bill® is a registered trademark of the US Department of Veterans Affairs (VA). More information about the education benefits offered by VA is available at the official US government website, at www.benefits.va.gov/gibill.

Yellow Ribbon Benefits

The university strongly supports the efforts of veterans to complete their educational goals. For the 2018-19 academic year, Veterans who are eligible for a 100 percent Yellow Ribbon Benefit as stated in the veteran’s Certificate of Eligibility (COE) may receive an allocation of $42,000 for the academic year (fall, spring and summer). Once the $23,671.94 allocation from VA Chapter 33 is utilized, then the Yellow Ribbon benefits fold in. The maximum Yellow Ribbon benefit from Golden Gate University per semester is $14,000 or 50 percent of the tuition balance (whichever is less).

The COE may be obtained exclusively through the Department of Veterans Affairs, Muskogee, Oklahoma. Some eligible veterans will receive less than 100 percent, which will be stipulated on the COE. Veterans who are not 100 percent VA Chapter 33 are not eligible for Yellow Ribbon benefits from GGU or the VA.

For additional information regarding the Certificate of Eligibility for the Yellow Ribbon Benefits and other educational benefits, veterans should visit www.gibill.va.gov or call the toll-free number 1-888-442-4551.

Students who receive educational benefits from the Department of Veterans Affairs will have their enrollment data reported to the VA. Approximately one week after the term begins, the University’s VA certifying official verifies the date of the term and total number of enrolled units taken by the eligible veteran. This information is updated monthly and sent to the VA. The VA uses this data to calculate the awards. VA regulations require that GGU report unit amounts and enrollment dates by individual term, as opposed to reporting terms.

The VA determines the classification status for undergraduate students, and uses GGU’s classifications to determine graduate students status. GGU’s academic programs are approved by the Higher Education Coordinating Board’s State Approving Agency (HECB/ SAA) for enrollment of persons eligible to receive educational benefits under Title 38 and Title 10, US Code.

Students should contact GGU’s VA Official in the Financial Aid Office at 415-442-7283 or va@ggu.edu to initiate the certification of their GGU enrollment to the VA. Go to GGU4YOU and search “Veterans Benefits” to find more important information about VA benefit disbursement procedures at GGU, including step-by-step instructions and relevant contact information.

Code Of Conduct

Golden Gate University Office of Financial Aid Employees:

  • Do not receive anything of value from any lending institution, servicer or guarantee agency in exchange for an advantage sought by the lending institution, servicer or guarantee agency
  • Do not accept anything, of more than nominal value, from any lending institution, servicer or guarantee agency
  • Do not receive anything of value for serving on advisory boards of any lending institution, servicer or guarantee agency
  • The Golden Gate University Office of Financial Aid hires its own employees and not employees of lenders, servicers or guarantee agencies in staffing the office.

Contact Us

The GGU Financial Aid Office has an open-door policy. We have financial aid counselors continuously available during our business hours. The FAO staff is here to assist any student who has questions, needs forms, is seeking additional information, is looking for guidance on the financial aid process or would like to talk about a financial plan to cover expenses throughout their educational career.

Phone: 415-442-7270
Fax: 415-442-7819;
E-mail: finaid@ggu.edu
or visit www.ggu.edu.