College of Arts & Sciences 2007-2008 Catalog

Finances 2007-08

The Board of Trustees reserves the right to change any financial charges or regulations listed in this catalog.

STUDENT COSTS FOR 2007-08

FT = full-time enrollment (12-18 credits per semester)
PT = part-time enrollment (less than 12 credits per semester)
NR= not registered

TUITION:	Fall ’07	Interim ’08	Spring ’08
FT Fall and FT Spring	$12,200	No charge (up to 5 credits)	$12,200
FT Fall, and PT Spring or NR	$12,200	$467.50/credit	$935/credit
PT Fall or NR, and FT Spring	$935/credit	$467.50/credit	$12,200
PT Fall or NR, and PT Spring or NR	$935/credit	$935/credit	$935/credit
Interim Only	—	$935/credit	—
Off-Campus Programs	Contact Office of International Studies
Teacher Licensure Rate	$650/credit	$650/credit	$650/credit
Post-baccalaureate Rate (already have Bethel baccalaureate degree)	$650/credit	$650/credit	$650/credit
2008 Summer School	$435/credit

ROOM (first-time residents in Bethel housing):	Fall ’07	Interim ’08	Spring ’08
In Bethel Housing Fall, Spring, and Interim	$2,200	No Charge	$2,200
In Bethel Housing Fall and Interim	$2,200	$215	—
In Bethel Housing Spring and Interim	—	$215	$2,200
In Bethel Housing Interim Only	—	$430	—

BOARD:

The description and prices of meal plan options will be posted as soon as they are available at:
http://cas.bethel.edu/student_services/meal-plans.html.
(Maximum amount is $2,980 per year.)

FEES:	Fall ’07	Interim ’08	Spring ’08
Student Activity Fee	$55		$55
Overload Fee	$735/credit		$735/credit
Audit Fee	$180/credit	$180/credit	$180/credit
Cable Television	$20		$20

MUSIC INSTRUCTION

½ hour per week private lesson	$405 per semester
¾ hour per week private lesson	$570 per semester
One hour per week private lesson	$730 per semester
Group Voice lesson	$285 per semester

Rental costs of instruments not owned by Bethel are charged to the student.
Regular tuition is charged in addition to any special course fee if the music instruction is taken for credit.
No refund is given after Friday of the second week of the semester for students who withdraw from private music instruction. Copies of the complete Refund Policy for Private Instruction are available from the Department of Music.

SPECIAL FEES

Admission Application Fee (nonrefundable after Dec. 1)	$25
Credit by Examination	$45 per credit
Enrollment Deposit (nonrefundable after May 1)	$150
Housing Deposit	$150
Nursing Lab Fee	$80
Science Lab Fee	$60
Official Transcript	$2 per copy
Late Registration/Late Course Change Fee	$30
Parking Permit	$65 per semester
Nursing Malpractice Insurance (juniors and seniors only)	$75
Additional Course Fees, indicated in registration materials	Amount Varies

STUDENT ACTIVITY FEE

A student activity fee is charged per semester to any student who is enrolled full time (12-18 credits per semester). The fee was established by the Bethel Student Association (BSA).

OVERLOAD CREDIT FEE

A per credit overload fee is charged for each enrolled credit over 18 credits in any semester. No overloads are permitted during interim. Note the eligibility requirements in the Academic Information section of this catalog.

AUDIT FEE

An audit fee is assessed only if a student is billed less than full time for the semester.

PAYMENT OPTIONS

Full Payment

Fall semester charges for tuition, fees, room, and board are due on the day classes begin. Spring semester charges for tuition, fees, room, and board are due on January 15. A finance charge of 1 percent per month is assessed on any unpaid balance.

Monthly Payment Plan

Bethel University offers a monthly payment plan (through Sallie Mae), which enables monthly installment payments without interest charges accruing. Participation is on an annual basis. There is an annual enrollment fee. Information regarding the details of this payment option is available at www.tuitionpayenroll.com.

Tuition Certificate Program

Tuition Certificates are available by contacting the Business Office. The certificates are purchased at the current annual full-time tuition rate and are redeemable for payment of only tuition. The current annual full-time tuition rate will be in effect through February 1. Tuition Certificates purchased after February 1 will be priced at the current annual full-time rate for the following school year. Tuition Certificates are redeemable toward tuition up to seven years from the Tuition Certificate purchase date. If Tuition Certificates are not redeemed for tuition, the original purchase price of the Tuition Certificate will be refunded anytime up to eight years from the purchase date.

REGISTRATION HOLD

Registration for classes in succeeding terms is dependent on full payment of the previous term’s expenses. Students whose accounts are in arrears will have a registration hold on their account and will not be allowed to register for the subsequent term.

PAST DUE ACCOUNTS

Students who are not currently enrolled at Bethel and have account balances more than 60 days past due may be transferred to University Accounting Service (UAS). UAS is a campus-based collections service that offers payment plans for students not currently enrolled at Bethel. No student will be considered for re-admittance to Bethel who has an account balance with UAS.

ENROLLMENT DEPOSIT

A one-time enrollment deposit of $150 is required of all students. The deposit allows students to register for each succeeding semester, provided all financial obligations have been met.

Enrollment deposits are not required of students admitted on a special basis, including but not limited to, interim exchange students, summer school students, consortium visitors, or adult specials registered in a teacher licensure program.

HOUSING DEPOSIT

A one-time housing deposit of $150 is required of students occupying a Bethel housing facility during at least one full semester and interim.

FINANCE CHARGES

A finance charge of 1% per month is assessed on charges more than 30 days old.

OFF-CAMPUS PROGRAMS

Students participating in a Bethel-sponsored fall semester or spring semester off-campus program, who maintain their status as Bethel students, are considered full time for purposes of determining the cost of interim tuition. See the Office of International Studies for a list of Bethel-sponsored off-campus programs.

SUMMER SCHOOL

Summer school information is available in the Office of Academic Affairs or the Office of the Registrar.

POSTSECONDARY ENROLLMENT OPTIONS PROGRAM (PSEO)

Students participating in the PSEO program at Bethel are not responsible for tuition, books, activity fees, or course fees. These fees will appear on the student account and then be credited or removed. PSEO students are responsible for the following, including but not limited to, room, board, cable television charges (where available), parking permits (if applicable), and traffic fines (if applicable). Specific questions regarding the PSEO program should be directed to the Office of Admissions.

GRADUATION

No student will be issued an official transcript or receive their diploma until all financial obligations have been met.

TRANSCRIPT HOLD

A transcript hold prevents an official transcript from being printed by the registrar. If payment has not been received for grades that are available, a transcript hold is placed on the student account. If a student has a transcript hold, grades can only be viewed online. (See the registrar’s office if you have questions.) Students can register if they have a transcript hold, as long as there is not a registration hold.

MONTHLY STATEMENTS

Statements of student accounts are printed each month and placed in the students’ P.O. boxes on campus with the exception of summer (June, July, and August) and December. The August statement includes the fall semester billing, and the December statement includes the spring semester billing. The summer and December monthly statements are mailed to the student’s permanent address on file. It is the responsibility of the student to make sure his or her permanent address is correct.

REFUNDS

Students who withdraw from classes during the term may be eligible for a refund. There are two types of refunds: billing refunds (tuition, room, board, etc.) and financial aid refunds. A billing refund credits money to the student’s account, thereby decreasing the amount that is owed on the student account. A financial aid refund reduces the amount of financial aid available to pay the billing charges, thereby increasing the amount that is owed on the student account.

A student who withdraws from all classes at Bethel must notify the Office of Student Life to fill out a Withdrawal Clearance Form and schedule an exit interview with a dean.

BILLING REFUNDS

Tuition and Housing Refund Schedule for Fall and Spring Semester:

Through the fifth business day	100 percent
Through Friday of the third week	75 percent
Through Friday of the fifth week	50 percent
Through Friday of the seventh week	25 percent
After Friday of the seventh week	No Refund

Course fees are refunded in full through the fifth business day of the semester; thereafter there is no refund of course fees.

Refer to the interim and summer registration information for details regarding refund schedules.

Students with a meal plan who officially withdraw or choose to cancel their meal plan must contact the Office of Campus Services. A student may receive a prorated refund of their meal plan.

Financial Aid Refunds

There are four sources of financial aid: federal government (Title IV funds), state governments, Bethel University, and private third-party organizations (i.e., Dollars for Scholars). Financial aid is refunded in accordance with policies established by each entity. Refunds are first calculated for federal funds, then state funds, then Bethel/third-party funds.

Students who withdraw from all classes during the 100 percent tuition refund period (first five days of the semester) are presumed to have not attended their classes. These students will receive a full refund of all their financial aid unless they complete a Supplemental Withdrawal Form (available in the Office of Student Life), documenting their attendance at each class. Upon receipt of the Supplemental Withdrawal Form, the federal financial aid refund policy will be calculated using the last date of class attendance as the official date of withdrawal. If students receive a full (100%) refund of tuition, they are ineligible for any state, institutional, or private sources of financial aid.

Federal (Return of Title IV Funds) Refund Policy. If a student withdraws or is expelled from Bethel after a term has begun, the school or the student may be required to return some of the federal aid funds awarded to the student. This “Return of Title IV Funds” policy is required by federal rules and went into effect at Bethel July 1, 2000.

The federal formula requires a return of Title IV (federal) aid if the student received federal financial assistance in the form of a Pell Grant, Supplemental Educational Opportunity Grant, Stafford Loan, or PLUS Loan and withdrew on or before completing 60 percent of the term. The percentage of Title IV aid to be returned is equal to the number of days remaining in the term divided by the number of calendar days in the term. Scheduled breaks of more than four consecutive days are excluded.
Minnesota Office of Higher Education (OHE) Financial Aid Refund Policy. Bethel is required to use the OHE financial aid refund policy when calculating refunds for Minnesota State Grants and Minnesota SELF loans. After applying Bethel’s “billing refunds” and the “Return of Title IV Funds” refund calculations to the student’s account, a proportionate share of the state aid is refunded using the following formula: “remaining refund” x (MN financial aid funds/all non-Title IV financial aid). Students retain funds earned through the Minnesota State Work Study Program prior to withdrawing from Bethel.
Financial Aid Refunds for Institutional and Third-Party Funds. After calculating the federal and Minnesota financial aid refund policies, Bethel reduces institutional and third-party sources of gift aid using the “tuition and housing refund schedule.” Institutional and third-party gift aid is reduced by the same percent as the student’s tuition was reduced.

Sample refund calculation. Because there are several different refund policies involved in most withdrawals, students may still owe money to the school after all calculations are completed. Students considering withdrawal are encouraged to visit a financial aid counselor and simulate the financial effect of withdrawing on a computer spreadsheet before officially withdrawing from the university.

Suppose a student is enrolled full time and withdraws from all classes on the 11th day (Thursday of the second week) of a 109-day semester. The student lived on campus and had a meal plan. Sample charges and financial aid are listed in the “original” columns below. After applying all the refund calculations, this student will receive a refund of $1,042.

Institutional Charges	Original	Refund %	Refund $	Net Charges
Tuition	$12,200	75%	($9,150)	$3,050
Room	$2,200	75%	($1,650)	$550
Class Fee (e.g., lab)	$50	0%	0	$50
Meal Plan	$1,490	Prorated	($1,149)	$341
Student Activity Fee	$55	0%	0	$55
Total Charges	$15,995		($11,949)	$4,046

Financial Aid and Cash	Original	Refund %	Refund $	Net Payments
Federal Stafford Loan	($2,750)	-100%	$2,750	$0
Federal Pell Grant	($1,300)	-31%	$409	($891)
Minnesota State Grant	($1,900)	-94%	$1,779	($121)
Minnesota SELF Loan	($750)	-94%	$702	($48)
Bethel Grant	($2,500)	-75%	$1,875	($625)
Private Scholarship	($500)	-75%	$375	($125)
Sub-total	($9,700)		$7,890	($1,810)
Cash Paid	($3,000)	0	0	($3,000)
Total Payments on Account	($12,700)		$7,890	($4,810)

Summary	Original Bill	Refund $	New Bill
Total Charges	$14,870	($11,102)	$3,768
Total Payments on Account	($12,700)	$7,890	($4,810)
Difference	$2,170*	($3,212)	($1,042)**

* Prior to withdrawal this student owed $2,170 his/her Bethel account.

** After withdrawal this student will receive a refund of $1,042 from his/her Bethel account.