Finances 2009-10

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

STUDENT COSTS FOR 2009-10

FT = full-time enrollment (12-18 credits per semester; 3-5 per interim)

PT = part-time enrollment (less than 12 credits per semester)

NR= not registered

TUITION:

Fall ’09

Spring ’10

FT Fall and FT Spring

$13,450

No charge
(up to 5 credits)

$13,450

FT Fall, and PT Spring or NR

$13,450

$562.50/credit

$1,125/credit

PT Fall or NR, and FT Spring

$1,125/credit

$562.50/credit

$13,450

PT Fall or NR, and PT Spring or NR

$1,125/credit

Interim Only

—

$1,125/credit

—

Off-Campus Programs

Contact Office of International Studies

Teacher Licensure Rate

$715/credit

Post-baccalaureate Rate (already have Bethel baccalaureate degree)

$715/credit

2010 Summer School

$445/credit

2010 Summer School Audit

$150/credit

ROOM (first-time residents in Bethel housing):
	Fall ’09	Interim ’10	Spring ’10
In Bethel Housing Fall, Spring, and Interim	$2,360	No Charge	$2,360
In Bethel Housing Fall and Interim	$2,360	$230	—
In Bethel Housing Spring and Interim	—	$230	$2,360
In Bethel Housing Interim Only	—	$460	—

ROOM (second consecutive year in Bethel housing):
	Fall ’09	Interim ’10	Spring ’10
In Bethel Housing Fall, Spring, and Interim	$2,270	No Charge	$2,270
In Bethel Housing Fall and Interim	$2,270	$220	—
In Bethel Housing Spring and Interim	—	$220	$2,270

ROOM (third consecutive year in Bethel housing):
	Fall ’09	Interim ’10	Spring ’10
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

ROOM (fourth consecutive year in Bethel housing):
	Fall ’09	Interim ’10	Spring ’10
In Bethel Housing Fall, Spring, and Interim	$2,130	No Charge	$2,130
In Bethel Housing Fall and Interim	$2,130	$210	—
In Bethel Housing Spring and Interim	—	$210	$2,130

BOARD:

The description and prices of meal plan options will be posted as soon as they are available at: cas.bethel.edu/student_services/meal-plans.html.

(Maximum amount is $3,200 per year.)

FEES:

Fall ’09

Interim ’10

Spring ’10

Bethel Student Association Fee

$60

Overload Fee*

$800/credit

Audit Fee

$210/credit

* Overloads are not permitted during interim.

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

Music Instruction

½ hour per week private lesson	$425 per semester
¾ hour per week private lesson	$630 per semester
One hour per week private lesson	$805 per semester
Group voice lesson	$315 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

Credit by Examination

$45 per credit

Enrollment Deposit (nonrefundable after May 1)

$200

Housing Deposit

$150

Nursing Lab Fee

$80

Nursing Testing Fee (Juniors)

$112.50

Nursing Testing Fee (Seniors)

$225

Science Lab Fee

$80

Official Transcript

$2 per copy

Late Registration/Late Course Change Fee

$30

Parking Permit

$75 per semester

Nursing Malpractice Insurance (juniors and seniors only)

$80

Additional Course Fees, indicated in registration materials

Amount varies

*Not required for Early Action Admission: November 1.

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

Payment for fall semester is due on the day classes begin. Payment for spring semester is due on January 15. The final bill for both fall and spring semesters will include, but is not limited to, tuition, room, board, Bethel Student Association fee, course fees (if applicable), and parking permit charge (if applicable). A finance charge of 1 percent per month is assessed on any unpaid balance.

Monthly Payment Plan

Bethel University offers a monthly payment plan, which enables monthly installments without interest charges accruing. There is an enrollment fee to establish a payment plan. Information regarding the details of this payment option is available at www.bethel.edu/business-office.

Bethel University Business Office: 651.638.6208

Toll-free: 800.255.8706, ext. 6208

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.

TRANSCRIPT HOLD

When payment has not been received, a transcript hold is placed on the student account. A transcript hold prevents an official transcript from being printed by the Office of the Registrar.

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 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 $200 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 special students 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 percent 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 Off-Campus Programs/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.

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 sixth 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 sixth business day of the semester; thereafter there is no refund of course fees.

Students who withdraw from Bethel or drop below full-time status may incur additional tuition and housing costs for interim. Please see “Student Costs for 2009-2010” or contact the Bethel Business Office for additional information.

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 (e.g., 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 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 percent) 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 funds awarded to the student. This “Return of Title IV Funds” policy is required by federal rules and went into effect at Bethel on 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, Academic Competitiveness Grant, SMART Grant, TEACH Grant, Perkins Loan, 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 Achieve Scholarship, Minnesota GI Bill, 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. 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 $552.

Sample Refund Calculation (After withdrawal on 11th day of classes)

Institutional Charges	Original	Refund %	Refund $	Net Charges
Tuition	$13,450	75%	($10,088)	$3,363
Room	$2,360	75%	($1,770)	$590
Class Fee (e.g., lab)	$50	0%	0	$50
Meal Plan	$1,600	Prorated 98/109=89.9%	($1,439)	$161
Student Activity Fee	$55	0%	0	$55
Total Charges	$17,520		($13,296)	$4,224

Financial Aid and Cash	Original	Refund %	Refund $	Net Payments
Federal Stafford Loan	($2,750)	-100%	$2,750	$0
Federal Pell Grant	($1,750)	-74%	$1,296	($454)
Minnesota State Grant	($1,900)	-78%	$1,490	($410)
Minnesota SELF Loan	($750)	-78%	$588	($162)
Bethel Grant	($2,500)	-75%	$1,875	($625)
Private Scholarship	($500)	-75%	$375	($125)
Sub-total	($10,150)	-83%	$8,374	($1,776)
Cash Paid	($3,000)	0%	0	($3,000)
Total Payments on Account	($13,150)		$8,374	($4,776)

Summary	Original Bill	Refund $	New Bill
Total Charges	$17,520	($13,296)	$4,224
Total Payments on Account	($13,150)	$8,374	($4,776)
Difference *	$4,370	($4,922)	($552)

* Prior to withdrawal this student owed $4,370 on his/her Bethel account. After withdrawal this student will receive a refund of $552 from his/her Bethel account.