Kennesaw State University is committed to remaining economically accessible to all qualified students despite rising educational costs. This information has been prepared to acquaint you with the application process, financial aid availability and to assist you in applying for aid at KSU. A wide variety of financial aid programs are available to help students with educational expenses. Most awards are given on the basis of financial need; some are awarded in recognition of merit and achievement; while some are long-term loans designed to extend the period of financing an education beyond the years of enrollment. All have one objective; to provide access to a KSU education for qualified individuals. If you have any questions, contact our automated system at (770) 423-6074; fax (770) 423-6708; or write to: Office of Student Financial Aid, KSU, 1000 Chastain Road, Kennesaw, Georgia 30144-5591; or email to: www.kennesaw.edu/financial_aid.

Determination of Award
The amount of aid awarded is determined by a financial need analysis. As a basis for making this analysis, the Free Application for Federal Student Aid (FAFSA) is used. This form may be obtained from high school guidance offices or from the Office of Student Financial Aid, Kennesaw State University. The Free Application for Federal Student Aid can also be accessed through the worldwide web. The web address is: www.fafsa.ed.gov. When completing your FAFSA, use KSU's Title IV Code: 001577.

Financial Aid Application Procedures
Although applications for student aid are accepted as long as resources permit, it is advisable to apply early. All applications completed before the March 31 priority date will be analyzed first, and awards will be made on the basis of the greatest need. In all cases, a student must be accepted by the Office of Admissions as a degree-seeking student before student aid is awarded.

After students receive a Student Aid Report from the federal aid processor, the student should check with the Financial Aid Office to determine if additional information is required.

All transfer students applying for aid for 1999-2000 award year must provide Financial Aid Transcripts (FAT) from all previous colleges and/or universities attended after 7/1/99, regardless if aid was received or not.

Grants
The Free Application for Federal Student Aid is to be used to apply for all grants at KSU.

Federal Pell Grant: This is a federally funded program that provides for the payment of Pell Grant awards to undergraduate students without a previous degree attending eligible institutions of higher education. Students receiving Pell Grants may be eligible for other forms of assistance as well. The maximum grant eligibility for each student is $3,125 per academic year.

Federal Supplemental Education Opportunity Grant: This federally sponsored program is designed for undergraduate students without a previous degree with exceptional need who, for lack of financial means, would be unable to enter or remain in college without such assistance. Awards in this program will range from $120 to $750.

HOPE Scholarship Program: The Georgia HOPE Scholarship is a state scholarship funded by the Georgia Lottery for Education. It's purpose is to help the high school graduating classes of 1993 and later and currently enrolled students who meet certain criteria, to pay for tuition at Georgia schools. We are pleased to be able to assist students in obtaining these funds.
Qualifications for a HOPE Scholarship:

• ·Student must have been a legal resident of Georgia preceding the date of registration for school
• Student must be a U.S. Citizen or Permanent Resident Alien
• Student must be enrolled in a University System of Georgia school
• Student must be registered, as required, with Selective Service
• Georgia high school students who graduated in 1993 and beyond who had a cumulative grade point average (GPA) of 3.0 in the college preparatory curriculum or 3.2 in other curriculum tracks
• Nontraditional students who are Georgia residents with a 3.0 cumulative GPA at their attempted 30th semester hour or 60th semester hour) -attempted means all coursework including W's and developmental courses.
• Students must complete and mail to the Federal Student Aid Programs a Free Application for Federal Student Aid (FAFSA)
• Students must complete their aid file with the Office of Student Financial Aid

Once on the HOPE program, students are reevaluated every 30th semester hour attempted for possible continuation of HOPE eligibility through their senior year. Additional information concerning this grant may be received from the Office of Student Financial Aid.

HOPE PROMISE Teacher Scholarship Program: The HOPE Promise Teacher Scholarship Program is a forgivable loan program funded by the Georgia Lottery for Education awarded to "high-achieving students who aspire to be teachers in Georgia public schools." The maximum award for a student enrolled six or more hours will be $3,000 for the junior year and $3,000 for the senior year. If a student is enrolled less than halftime (5 or less hours), the maximum award is $1,500. Maximum commitment is $6,000 over two years.

HOPE Teacher Scholarship Program: The HOPE Teacher Scholarship Program is a forgivable loan funded by the Georgia Lottery for Education awarded to students "seeking advanced education degrees in critical shortage fields of study." The maximum award is $125 per semester hour based on the number of hours required for students to complete their program.

Application Process: Student must check with the institution's College of Education regarding eligibility and request an application. The institution's College of Education will forward the applications to the institution's Office of Student Financial Aid. The institution's OSFA will complete applications and forward to State Agency for consideration.

See HOPE brochure for requirements and additional information.

HOPE FOR GED RECIPIENTS AT A GEORGIA POST-SECONDARY INSTITUTION: Legal residents of Georgia who earned a General Education Development (high school equivalency) diploma awarded by the Georgia Department of Technical and Adult Education after June 30, 1993 may receive a onetime $500 HOPE award. This award can be used toward tuition, books, and other educational costs at an eligible public technical institute or public or private college or university in a degree, diploma, or certificate program.

Full-time enrollment is not required. Students must use their HOPE eligibility within 24 months of the date of the GED diploma. Military personnel have 52 months to exercise eligibility.

In addition to the $500 award, GED recipients may also qualify for assistance through other components of HOPE.

Loans
Federal Perkins Loans: These funds are provided by Kennesaw State University and by the Department of Education. Interest on these loans is 5% per year beginning nine months after the student ceases to be enrolled at least halftime. Awards in this program can range up to $1,600. Students may apply for this loan by completing the Free Application for Federal Student Aid, (by paper renewal form, or the web). Once the student has been awarded the Perkins Loan, he/she must complete a promissory note with a Student Accounts representative. Listed below are current Perkins Loan Deferments:

1. in school pursuing at least halftime course of study
2. pursuing graduate fellowship or rehabilitation training program for the disabled approved by the Secretary
3. unemployment (up to 3 years)
4. economic hardship (up to 3 years)
5. performing service qualifying for cancellation

Federal Subsidized Stafford Loan: The Federal Government guarantees low-interest loans made to students who plan to attend any institution of higher education. Students may apply for this loan by completing the Free Application for Federal Student Aid (paper renewal form, or the web). Students awarded this loan will be mailed an acceptance form and award letter from this office. Students will be allowed to select their lender and amount of loan to borrow. For certain lenders, the loan information can be transmitted electronically and the student receives, in the mail, a preprinted loan application to complete and return to their lender. Eligible first-year students may borrow up to $2,625 per year, while second-year students may borrow up to $3,500 per year. Eligible undergraduates who have completed their third or fourth year of studies may borrow up to $5,500 per year. An eligible graduate student may borrow up to $8,500 per year.

The amount of loan eligibility is based on need and determined from the cost of attendance (as determined by KSU) minus the calculated family contribution (FC), as determined by the FAFSA. The rate of interest may not exceed 8.25% per year. Students are assessed an origination fee and guarantee fee of 4% which is deducted from each loan check. Funds are disbursed to the university in two or more installments. Repayment begins six months after the student ceases to be enrolled at least halftime. Students are usually allowed up to 10 years to repay the Stafford Loan.

Federal Unsubsidized Stafford Loan: This loan is available to students who wish to borrow above their subsidized Stafford eligibility or are not eligible for a Subsidized Stafford Loan. Students borrowing through the Unsubsidized Stafford Loan Program are responsible for the interest on the loan while enrolled. The amount of eligibility is based on the cost of attendance (as determined by KSU) minus any aid received. Interest rates, deferments and application procedures are the same as the Federal subsidized Stafford Loan Program.

Federal Plus Loan: This program is available to parents of dependent students. Parent borrowers may borrow up to the cost of attendance (at KSU) minus other aid. Interest rates may not exceed 9% for this loan. Although this program is not need-based, students must first apply for need-based aid (Pell Grant, Stafford Loan, etc.) by completing the FAFSA prior to their parents applying for this loan.

Service Cancellable Student Loans: The Georgia Student Finance Authority offers annual loans to qualified students who plan to work in certain technical or professional fields in the State of Georgia. At KSU, this loan is available for both graduate and undergraduate students in the critical need field of nursing. The amount is determined by educational costs and needs. Repayment is made through one year of service in the state of Georgia for each year that assistance is provided or in cash at a variable interest rate. Applying for aid through the FAFSA early is critical for obtaining this loan.

Emergency Loan Program
The emergency loan program is designed to provide assistance to students who are unable to pay tuition and fees due to some mitigating circumstance or to assist students who have emergency situations during the enrollment period who might not be able to continue the term as a result of hardships caused by this emergency.

A tuition and fee loan will only cover up to the actual cost of instate tuition and fees for the semester. Nonresident fees cannot be paid by an emergency loan. The student must be in good academic standing (not on academic probation) at the time of the loan.

Students who need emergency funds should apply to the Office of Student Financial Aid. Personal emergency loans are limited to $400 or less.

A service charge of $10 will be added to either a tuition loan or an emergency loan. In addition, the loan must be repaid within 45 days or a $25 late charge will be added to the emergency loan. Students will not be allowed to register for the following semester if they have not repaid their emergency loan. Monies for this fund have been received from the following sources:

• Geral Dean Boggs Memorial-Established by the students of Kennesaw Junior College in 1967 to honor the memory of their fellow student, Geral Dean Boggs.
• James V. Carmichael Memorial
• Phillip B. Rice Memorial-Established in memory of Phillip B. Rice
• Kennesaw State University Civitan Club
• Kennesaw State University Women's Club
• The Southwest Women's Club
• Marietta Civitan Club
• John L. Dees Memorial
• Smyrna Lions Club
• Betty H. McNiece Memorial-Established by Kennesaw College in 1984 to honor the memory of an employee, Betty H. McNiece
• Kennesaw State University Rotaract Club
• Student Activities Budget Advisory Committee

Student Employment
Federal Work Study Program (FWS): The program provides jobs for undergraduate & graduate students who demonstrate financial need. FWS gives the student a chance to earn money to help pay for educational expenses while working on campus or in community service work. Applicants to this program must be U.S. citizens or permanent residents of the United States; they must be at least a part-time student, and they must maintain good academic standing. The student should have a completed financial aid file in order to determine eligibility.

Institutional Employment: There is a limited number of part-time jobs available in each division of the university. The hours and pay scale are the same as with the FWS. Funds for these jobs are provided by the department, school or college that employs the student. Interested persons should contact the particular division or department of the university or Career Services for information.

Career Services: The Career Services Office maintains a listing of full-time and part-time off-campus jobs for students who need assistance in locating off-campus employment. Regular listings are posted on the bulletin board outside the Career Services Office. For more information, contact the director of career services.

Satisfactory Academic Progress Standards
The Higher Education Act of 1965, as amended by Congress, requires that a student be maintaining satisfactory academic progress in their course of study to continue receiving Federal Title IV Financial Aid. Failure to maintain satisfactory academic progress will result in the loss of Federal Title IV Financial Aid. Federal Title IV Financial Aid includes the Pell Grant, Supplemental Educational Opportunity Grant (SEOG), Perkins Loan, Stafford Loan (Subsidized and Unsubsidized), PLUS Loan and the HOPE Grant. Satisfactory academic progress can be separated into several areas. Students must meet all requirements to continue receiving financial aid. These standards apply to part-time students as well as to full-time students.

Quantitative Credits Earned: Students must complete and pass 67% of courses attempted. Courses earned include grades of A, B, C, D or S. Courses attempted include any course in which grades of A, B, C, D, F, W, WF, I, S, U or IP are given.

Maximum Time Frame: Students are given a maximum time frame for completion of a degree. This is 150% of the total semester hours required for degree completion. For example, degrees requiring 123 semester hours will be allowed no more than 184 attempts. Degrees requiring 36 hours (graduate) will be allowed no more than 54 attempts. All hours attempted are included in maximum hours allowed. Students who exceed the maximum number of hours allowed are ineligible to receive financial aid for future semesters.

Losing and Regaining Aid Eligibility: Quantitative hours will be checked after each spring semester. Students that have completed less than 67% of their cumulative attempted hours will be placed on Financial Aid "Warning" for their next term of at least halftime attendance. During the "warning" term, students are eligible for financial aid and must complete 67% of the warning term's courses to continue receiving financial aid. If a student does not complete 67% of the warning term's courses, the student will be placed on Financial Aid Failure and be ineligible for financial aid until the completion of 67% of a term's courses (must be at least 1/2 time status). Good Academic Standing and maximum time-frame will be checked quarterly.

Learning Support Programs, Regents' Remediation & College Preparatory Curriculum: Students may receive aid for learning support programs, Regents' remediation and College Preparatory Curriculum if they are accepted for enrollment in an eligible program. Students may not receive aid for more than 45 total hours of these courses combined. Failure to exit these courses within 45 hours will result in the loss of financial aid until such time as these courses are exited.

Good Academic Standing: Students eligible to enroll at Kennesaw State University are considered to be in good academic standing and are eligible to receive financial aid. Students dismissed or excluded from the university are not considered to be in good academic standing and therefore are not eligible to receive financial aid.
Audit Courses: Students are not eligible to receive financial aid for courses which they audit. Audited courses are not included in the number of hours attempted or earned for Satisfactory Academic Progress consideration.

Summer Term Courses: All hours attempted in summer term are treated as any other semester hours.

Incomplete Courses: Any course in which an "I" is given as the grade is counted in hours attempted. However, it is not included in hours earned until such time as the course is complete and a grade is given.

Withdrawals: Any course in which a "W" or "WF" is given is counted in hours attempted. Students should be aware that excessive withdrawals from classes could result in the loss of financial aid at some point in future semesters.

Repeating Courses: Courses that have been given grades of D, F, or WF that are later repeated are counted in total number of hours attempted.

Evaluation: Good academic standing and maximum time frame standards will be evaluated after spring semester. Quantitative hours completed will be checked each year after spring semester. All standards will be checked at the time the student first applies for financial aid.

Appeals: Any student not meeting the above criteria may appeal the decision to terminate financial aid if extenuating circumstances were present. A letter of appeal must be written to the Financial Aid Appeals Committee and turned in to the Office of Student Financial Aid. The letter of appeal should include documentation of the extenuating circumstances present and what the student plans to do to regain eligibility for future semesters. If the appeal is approved, the financial aid will be reinstated. If the appeal is denied, the student may submit a letter of appeal to the Director of Student Financial Aid.
These updated regulations become effective July 1, 1998, and supersede any previously published regulations.

Disbursement Procedure
Financial aid funds will be disbursed to the eligible student in the following procedure:

Step One: A signed award acceptance letter is returned to the Office of Student Financial Aid from the student.

Step Two: The student registers for classes and Financial Aid funds (PELL, SEOG, SIG, HOPE and LOANS) are applied to student's account in accordance to the EFT Option chosen (see Statement of Acceptance for details). Students receiving other types of assistance should check with cashier to determine availability of their funds.

Step Three: After Phase III is over, the student will receive a check for the balance of the semester award after tuition, fees, books and supplies are deducted.

Kennesaw State University
Budgets (Cost of Attendance) 
Per Year (2 Semesters)
Estimated for 1999-2000

Veterans' Benefits
The university is on the approval list of the Georgia State Approving Agency for the training of veterans, disabled veterans, and the children and widows of deceased veterans who are eligible for benefits under the G.I. Bill.

Students in training under the G.I. Bill are required to pay all fees as regular students, since they are paid benefits directly through the Veterans Administration. Each VA beneficiary should make financial preparation for at least one semester because benefit checks are sometimes delayed. Students in training under the G.I. Vocational Rehabilitation program should check with the university Business Services Office regarding the handling of their account for fees, supplies, etc.

Eligible veterans, children and widows of veterans must make application to their regional Veterans Administration Office. Application forms are available at Kennesaw State University in the Office of the Registrar. It is the student's responsibility to contact the registrar's office at the time of acceptance to the university. Certain requirements must be met before students may be certified for noncredit remedial courses for VA payment purposes.

Students attending on the G.I. Bill are certified for VA benefits only for those courses required in their particular programs of study. Courses taken for audit are not payable by the VA. Such students must maintain Kennesaw State University standards for academic performance. Those students who are academically dismissed from school will have their benefits interrupted. Upon readmission and recertification of benefits at Kennesaw State University, the VA will decide if further benefits may be paid for continuation of the program in which the academic deficiency occurred.

Current VA standards require that students attend class and that benefits be terminated when the student has been suspended for academic or disciplinary reasons. (Since VA regulations are subject to periodic change, it is the student's responsibility to keep up to date on requirements for VA benefits while in attendance at Kennesaw State University.)

Vocational Rehabilitation
Students who attend the university and whose fees are to be paid by the State Department of Education's Division of Vocational Rehabilitation must make arrangements prior to registration with the Business Services Offices regarding the handling of their account. In addition, it is the student's responsibility to request the Office of the Registrar to send copies of his/her grades to the Vocational Rehabilitation Office each semester.