Financial Aid

General Information for Traditional Undergraduate Program

Concordia has a balanced approach to the granting of financial aid, which includes scholarships, grants, employment, and educational loans. Financial aid is awarded primarily based on financial need demonstrated by the student and family, as well as the availability of funds. Some scholarships and grants give consideration for prior academic achievement, general leadership potential, and co-curricular involvement.

Financial aid applications are reviewed after a candidate is admitted to the College and in no way affects admission decisions. Students applying for financial assistance must complete the Free Application for Federal Student Aid (FAFSA) as soon after October 1st as possible. New York State residents should also file the Tuition Assistance Program (TAP) application. Priority consideration will be given to applicants who file for financial assistance prior to April 1. Incoming first-year and transfer students will be notified of their financial aid package as early as mid-December. Returning students will be notified at the end of the spring semester. Late applications will be considered on a first-come, first-served basis, as funds permit.

Although the college strives to maintain balanced financial aid packages year-to-year, most awards are not automatically renewable; students must reapply annually. To remain eligible, recipients must maintain satisfactory academic progress according to the standards of the College; these are described below. Awards are conditional on the student’s full-time attendance at Concordia.

Financial aid awards (scholarship and/or grant) may be adjusted at the discretion of the Financial Aid Office if a change in family circumstance directly affects income or other resources. Additionally, an adjustment can be made if the combination of awards from other sources such as TAP, Pell, or other non-institutional scholarships exceeds by more than $200 the estimate of the student’s financial need. Students are thus required to notify the Financial Aid Office of any scholarships they may receive from outside sources.

If a student withdraws during a semester or falls below full-time status, all College administered scholarships and grants for that semester are forfeited and reductions in Federal and state aid are made in accordance with applicable regulations.

General Information for the Adult Education Program

Concordia College offers Adult Education Program students the opportunity to work with the Financial Aid Office to establish a financial plan. Financial plans should be in place by the first day of the student’s first course.

Students are eligible to apply for Federal and State Financial Aid. Additionally, students may choose to establish a payment plan or submit tuition reimbursement from an employer.

The Financial Aid Office is here to guide students through these steps. Students applying for financial assistance complete the Free Application for Federal Student Aid (FAFSA) as soon as they have completed the Admission process. New York State residents should also complete the NYS Tuition Assistance Program (TAP) application. Once the FAFSA results are received, students should set an appointment with the Financial Aid Office to review their award package and the details of the financial plan. Adult Education students may be eligible for a combination of Federal Direct Loans, Pell Grants, and New York State TAP to meet tuition costs. assistance

To remain eligible for Financial Aid, students must maintain satisfactory academic progress towards the standards of the College; these are described below. Students must maintain at least half-time attendance to be eligible for Federal Loans and New York State Grants. Institutional grants and scholarships are only available to full-time traditional students. 

General Information for the Post Baccalaureate Nursing Program

Post-Baccalaureate Nursing Program students should work with the Financial Aid Office in establishing a financial plan. Nursing Program students are eligible to apply for Federal and State Financial Aid. Additionally, students may choose to use private student loans, establish a payment plan, or submit tuition reimbursement from an employer. The Financial Aid Office is here to guide students through these steps. 

Students applying for Financial Aid must complete the Free Application for Federal Student Aid (FAFSA), as soon as they have completed the Admission process. New York State residents should also complete the NYS Tuition Assistance Program (TAP) application. Once the FAFSA results are received, students will be notified of their eligibility by the Financial Aid Office.

Post-Baccalaureate Nursing students may be eligible for a combination of Federal Direct Loans and New York State TAP to meet tuition costs. Federal Pell Grants and SEOG are not available, as they are awarded only to students who have not yet earned a bachelor’s or professional degree.

To remain eligible for Financial Aid, students must maintain satisfactory academic progress towards the standards of the College; these are described below. Students must maintain at least half-time attendance to be eligible for Federal Loans and full-time attendance to be eligible for New York State Grants.

General Information for the Graduate Program

Graduate students are eligible to apply for Federal Financial Aid. Additionally, students may choose to use private student loans, establish a payment plan, or submit tuition reimbursement from an employer. The Financial Aid Office available to guide students through these steps. 

Students applying for Financial Aid must complete the Free Application for Federal Student Aid (FAFSA), as soon as they have completed the Admission process. Once the FAFSA results are received, students will be notified of their eligibility by the Financial Aid Office. Graduate students may be eligible for a combination of Federal Direct Loans and private loans to meet tuition costs. Federal Pell Grants, SEOG and NYS TAP Grants are not available, as they are awarded only to students who have not yet earned a bachelor’s or professional degree.

To remain eligible for Financial Aid, students must maintain satisfactory academic progress towards the standards of the College; these are described below. Students must maintain at least half-time attendance to be eligible for Federal Loans and full-time attendance for institutional awards.

Federal Government Financial Aid Programs

Federal Pell Grants. The Higher Education Amendments of 1972 established this Federal Government program. Grants for 2018–19 range from $657 to $6,195 based on family need and are pro-rated for less than full-time enrollment as determined by the government after review of the Free Application for Federal Student Aid (FAFSA). The application is available online at www.fafsa.ed.gov.

Federal Supplemental Educational Opportunity Grants (SEOG). This Federal Government grant program is administered by the College. Grants can range from $200 to $4,000 a year, depending upon need as calculated by the filing of a Free Application for Federal Student Aid (FAFSA) and federal funding provided. The allotment of funds to the College is small, so priority is given to students with highest demonstrated need and not guaranteed year-to-year.

Federal College Work Study Program. Concordia participates in this Federal Government self-help program. Students must file a Free Application for Federal Student Aid (FAFSA) to determine eligibility.

Federal Direct Loan Program. This program offers low-interest loans to help defray the cost of education. There is a federally mandated origination fee which reduces the amount of loan that is paid to the college.  For both dependent and independent students, the maximum subsidized loan is $3,500 for the first year, $4,500 for second year, and $5,500 for third and fourth years and is based on financial need. For dependent students an additional $2,000 unsubsidized loan is available at all grade levels; for independent students an additional $6000 is available in the first and second years and an additional $7000 in the third and fourth years. Unsubsidized loans can be used in place of subsidized loans in cases where need is not demonstrated. The aggregate limit a dependent student may borrow for their academic career is $31,000. The Free Application for Federal Student Aid (FAFSA) must be filed to determine eligibility. Loan eligibility is limited to matriculated students who are enrolled at least half time in their program (minimum 6 credits for undergraduate study; 4.5 credits for graduate study). Eligible students must maintain satisfactory academic progress (see further in this section).  There is a six-month grace period after graduation, withdrawal from the school, or the date at which the student drops below half-time status before repayment of either the subsidized or unsubsidized loan begins. However, interest accrues on the unsubsidized loan from the date of disbursement or last multiple disbursement. Contact the Financial Aid Office or your loan servicer for further details.

The annual maximum federal direct unsubsidized loan for a graduate student is $20,500. The federal loan limit graduate students are entitled to receive is dependent on the financial budget assigned for their respective programs.

Federal Direct Parent Loan for Undergraduate Students (FPLUS). FPLUS loans are for parent borrowers and provide additional funds for education expenses. The maximum loan is the cost of attendance minus other financial aid. There is a mandatory federal origination fee that reduces the amount that is paid to the College.  Parents begin repayment of PLUS principal and interest no later than 60 days after the loan is fully disbursed. Parent borrowers may request deferment of repayment until the student’s graduation or until the end of the student’s six-month grace period; however, interest accrues on the loan the entire period once fully disbursed. Contact the Financial Aid Office or your loan server for further details. Dependent students whose parents have been denied a PLUS loan may also borrow additional funds. First and second-year students may borrow up to $4,000 and third and fourth-year students may borrow up to $5,000 per year. Dependent students whose parents have received PLUS loan denials will have a combined aggregate limit of $57,500.

Grad PLUS Loan. If eligible a graduate student enrolled at least half time in a program leading to a graduate degree can apply for a Direct PLUS Loan. The annual maximum award is cost of attendance minus other financial aid received less the federal government mandated origination fee.

The student must not have an adverse credit history and must meet the general eligibility requirements for federal student aid at https://studentloans.gov/myDirectLoan/index.action. The maximum GradPLUS amount which graduate students are entitled to receive is dependent on the financial budget assigned for their respective programs.

TEACH Grant. The TEACH Grant Program provides grants to students who are completing or plan to complete course work needed to begin a career in teaching in a high need field at a low-income school or educational service agency. Please review the requirements for the TEACH Grant program at https://teach-ats.ed.gov/ats/index.action as it has specific service obligations that must be met in order for the award to remain a grant.

The annual maximum federal TEACH grant for a graduate student is $4,000 ($2,000 per semester less the federal government mandated 5.9% sequestration reduction). Amount is prorated based on less-than-full-time enrollment.

Veterans’ Administration. Veterans or children of veterans who seek to make use of government aid in continuing their education may secure pertinent information and assistance from their local Veterans’ Administration Office. The Registrar’s Office or the VA Office will help such students whenever necessary. Certification forms should be submitted to the Veterans’ Administration through the Registrar’s Office every semester.

Yellow Ribbon Program. Concordia College is proud to be recognized by the state and federal government as a Yellow Ribbon Institution, prepared to assist those who have given so much to our country through their service in the armed forces of the United States. As a Yellow Ribbon School, Concordia strives to minimize obstacles facing veterans and ensure they are better able to achieve educational success and to help prepare them for a life beyond the military. Concordia supports the Post 9/11 G.I. Bill for service to this unique constituency of students. Veterans may be eligible for up to 100% in tuition assistance. Please contact the Financial Aid office on how to apply.

Please visit www.studentaid.gov for additional information about federal aid programs for students.

State Government Financial Aid Programs

Tuition Assistance Program (TAP). This program is for New York State residents attending a college in New York State. In 2018-2019 awards range from $500 to $5,165 per year. Eligibility is based on net taxable income below $80,000 upon submission of a completed TAP application. Students can complete their online TAP application after pressing submit on their FAFSA application, by choosing “Start your state application. Click here if you want to apply for NEW York state-based financial aid.” If they miss that link they may visit www.tapweb.org at a later date to complete it. The online application can be obtained by visiting www.hesc.ny.gov.

The Enhanced Tuition Awards Program (ETA) was established by the NYS Legislature in the spring of 2017 for the 2017-18 academic year and following. The program provides tuition awards to students who are New York State residents attending a private college in New York State. Eligibility for the award is based on residency, student family’s federal adjusted gross income (as reported on the FAFSA), and appropriate academic progress. Due to a limited budget established for the program, not all qualifying students will necessarily receive an award; priority will be given by the State to continuing students first, then new students. If approved, recipients will receive $6,000 through a combination of their TAP award, ETA award and a match from their private college [Concordia]. For more information, students should go to the State’s website: www.hesc.ny.gov.

NYS Achievement and Investment Merit Scholarship (NY-AIMS) is a $500 merit-based award for NYS high school graduates (since 2014-15) who have achieved academic excellence. Academic excellence means the student has met at least two of the following standards: a) graduated with a 3.3 GPA; b) graduated “with honors” on a NYS Regents diploma or scored 3 or higher on two or more advanced placement exams; and/or c) graduated in the top 15% of the high school class. It is limited to 5,000 awards statewide and requires a separate application from the TAP program as well as a copy of the financial aid award letter from the college the student will attend. Priority will be given to students based on levels of unmet need. The award is renewable for four years of undergraduate study.

NYS World Trade Center Memorial Scholarship. Guarantees access to a college education for the families and financial dependents of the victims who died or were severely and permanently disabled in the Sept. 11, 2001 terrorist attacks and the resulting rescue and recovery efforts.

Regents Award for Children of Deceased/Disabled Veterans. A special application must be filed with the New York State Higher Education Services Corporation in Albany. Documentary evidence to establish eligibility is required with the application. The award may be renewed annually for up to five years, depending on the normal length of the program of study.

State Awards to Native Americans. Application forms may be obtained from the Native American Education Unit, New York State Education Department, Albany, NY 12234. Provisions of the award are explained in the application.

Additional State programs may be available. Please visit https://www.hesc.ny.gov/pay-for-college/financial-aid/types-of-financial-aid.html#horizontalTab2 for additional information.

Concordia College Traditional Financial Aid Programs1

Fortress Grants. An institutional grant for students who are active members of a Lutheran congregation; up to $15,000 will be awarded based on academics and need. Awards are adjusted annually based on cumulative grade point average (GPA). All students must maintain a minimum 3.0 cumulative GPA to remain eligible for the initial Fortress Grant amount; a 2.0 GPA is required to maintain any award.

ECAC Grant. Students whose congregations are active members of the Concordia East Coast Association of Congregations will receive an additional grant of $1,000 each year.

Lutheran High School Grants. First-time students who are graduates of Lutheran high schools will receive a grant of $1,000 per year. If the high school participates in the Concordia Choice Program, the student will receive $2,000 per year.  These grants cannot be combined and are limited to four academic years. For more information on the Concordia Choice Program please contact the Financial Aid Office.

Concordia Regents and Alumni Scholarships. These scholarships are administered by the Director of Financial Aid in consultation with appropriate individuals designated to give the awards. This scholarship program is designed to give recognition for achievement in the following specific areas:

  • Academic Scholarships. Awarded by the School Dean based on academic performance.
  • Athletic Scholarships. Awarded by the Athletics Director and the coach of each sport based on athletic ability.
  • Choral Music Scholarships. Awarded by the Director of Choral Activities on the basis of an audition.
  • Church Vocation Scholarships. Awarded by Concordia to LCMS students planning to enter professional church vocations programs (Lutheran Teacher Diploma; pre-seminary minor). Students must file an annual Declaration of Intent.
  • Church Worker Dependent Grant. Awarded by Concordia to students whose parent is an active, professional LCMS church worker, pastor, called teacher, etc. 
  • Graduate Alumni Grants:
    • Education Programs $5,500, $1,375 per term - 4 semesters
    • Business Leadership $5,500, $1,833 per term - 3 semesters
    • 5-year BS to MS Programs $5,500, $2,750 per term – 2 semesters

Other Concordia Grants and Scholarships. The College offers a variety of grants and scholarships from funds given to the College for these purposes and from endowment funds provided by individuals to aid students attending Concordia. These grants and scholarships from endowment funds and their restrictions, are listed here:

  • Abel Family Scholarship. Established in support of students preparing for full-time careers within the Church.
  • Alumni Celebrate Students Scholarships. Awarded to seniors with a GPA of 3.0 or higher who demonstrate campus leadership and involvement in academics, athletics, music, or church vocation.
  • Baal (Louise & Robert) Scholarship. Established as an award to a student who demonstrates a Christian approach to life.
  • Borgen Memorial Scholarship. Established as an award to a Sophomore, Junior, or Senior student interested in a business career.
  • Bunzel-Koepchen Scholarship. Established as an award to a Junior student who has exemplified Christian leadership or volunteerism.
  • Maxine Clark Memorial Scholarship. Established in support of a female student preparing for a career in education.
  • Coiner-Moore Scholarship. Established for scholarships to church-service students.
  • Concordia Guild Awards. Presented to a Sophomore, Junior, and Senior for high academic performance and service to Concordia College.
  • Dobberstein Scholarship. Established to support students in the math or physical education program or intending a career as a teacher in math or physical education.
  • Ergang (Robert & Mildred Overbeck) Scholarship. Established to provide scholarships for students interested in the study of history.
  • FK Theology Award. Support for Pre-Seminary students, including scholarships to attend Westfield House—the seminary of the Evangelical Lutheran Church of England—in Cambridge, England.
  • Forster (Lisa & Laura) Scholarship. Established for students studying to be Lutheran school teachers.
  • Fulling (Anna) Scholarship. Established for male students studying for the pastoral or teaching ministry of the Lutheran church.
  • Fulling (Edmund & Marguerite) Scholarship. Established to award Junior or Senior student in the sciences or math.
  • Griessel Scholarship. Established to award a student who has performed exemplary volunteer work in the prior year.
  • Elizabeth C. Hand Memorial Scholarship. Established for Teacher Education Program students.
  • Astrid T. and Frederick J. Hanzalek Entrepreneur in Business Scholarship. The recipient will be a Junior or Senior who demonstrates both an entrepreneurial spirit and a commitment to ethical business practices.
  • Howard Halter Scholarship. Established for students who have a financial need and a commitment to excellence in humanities and/or church service.
  • Richard W. Heintze Scholarship. Provides two scholarships, one to a student who exhibits depth of insight in literature appreciation, and the other to a student demonstrating achievement in historical scholarship.
  • Huneke (Frederick & Lillian) Scholarship. Awarded to a business major who has demonstrated excellence in the area of marketing.
  • William Randolph Hearst Fellows Scholarship. Established for students who are enrolled in the Concordia Fellows Program with priority given to the editor of Prelude journal.
  • Klemm Scholarship (David). Established to support students in need, pursuing a degree (in order of priority) in: a) interdisciplinary studies; b) business; or c) music.
  • Kohler Scholarship. Established to assist undergraduate students to broaden their global understanding through a scholarship to reduce the cost of study abroad.
  • Kruger Scholarship. Established to provide scholarships to pre-seminary students pursuing a career of service to the Lutheran Church.
  • Kuechle (Rev. Eugene and Esther) Memorial Scholarship. Established for the children of Lutheran church workers.
  • Matzat Fund. Established for ministerial students, preferably from St. Peter’s Lutheran Church, Huntington Station, Long Island.
  • Meier Scholarship. Established to award a student who has exhibited excellence in mathematics and Christian commitment to service, along with the potential for leadership.
  • Oehlkers Family Scholarship. Established for aid to a student with need, a minimum 3.0 GPA, and who shows promise in chosen field of study.
  • Pietruski Fellowship. Established for students who are enrolled in the Concordia Fellows Program with a biology program of study.
  • Pietruski Scholarship. Established to make awards to needy students enrolled in professional church-vocation programs.
  • Prep Scholarship. Established to provide scholarship support to a male student who exhibits excellence in both academic and athletic pursuits.
  • Ross Family Scholarship. Established to provide scholarships to aid church-service teacher education students.
  • Reverend Clarence Roth Fund. Established in partnership with Faith Lutheran (Easton, PA) and Grace Lutheran (Queens Village, NY) Churches to benefit members of these and other LCMS congregations to pursue careers in fulltime church work.
  • The George J & Dolly M Ruf Scholarship. Awarded to pre-seminary students, with first priority to a student from the New Jersey District LCMS.
  • Ruppar Scholarship. Established to aid students intending a career in church service.
  • Scheele Scholarship. Established to aid college students desiring to enter church-service, teacher education, or social vocations.
  • E. K. Scherer Fellowship. Established for students who are enrolled in the Concordia Fellows Program with a program of study in international studies or business administration with an international management specialization.
  • Rev. William Schiebel Scholarship. Established to provide aid to students preparing for professional church careers; priority is given to minority students from urban centers of the East Coast.
  • Schultz Community Scholarship. Established to provide aid to a first-time student from the communities surrounding Concordia College who is preparing for a career in education.
  • Schultz (Steven) Scholarship for Excellence in Music. Awarded to an outstanding student in the field of music, or to a choir member selected by the Director of Music, preference given to Juniors.
  • Trusheim-Schultz (Steven) Scholarship.  Awarded to an outstanding student in the field of music, or to a choir member selected by the Director of Music; preference given to a Senior.
  • Urban Ed-Bayer Scholarship. Provides scholarships to urban Lutheran educators seeking to pursue a master’s Degree in Childhood General and/or Special Education.
  • Elinor Urstadt Scholarship. Established to provide assistance to an entering a first-year or transfer student who has demonstrated superior potential for academic success in college.
  • Von Runnen Scholarship. Established for students who are planning to enter church vocation programs.
  • Von Spreckelsen Scholarships. The Disciple of Christ Award is given to a male student preparing for church ministry; the Ruth Award is given to a female student preparing for the teaching ministry in the Church. Both are designated by the appropriate academic school.
  • Wasch – Klemm Scholarship ( Helen)
  • Weidmann (Rev. Carl & Kathy) Scholarship. Established for a male student intending a career of church service.
  • Welz Family Scholarship. Established to support students from LCMS congregations in SELC or New Jersey Districts, with priority given to those who come from Redeemer Lutheran Church, Manchester, New Jersey.
  • Wittrock (Rev. Theodore) Scholarship. Awarded to a student pursing a church service career.

In addition to the preceding, the following is a list of other endowment funds available to athletes in recognition of their athletic abilities:

  • Kaminska Basketball Scholarship Fund
  • Meyers (Al & Justine) Tennis Scholarship
  • Olson Tennis Scholarship Fund
  • Rockhill Scholarship Fund
  • Steven Schultz Baseball Scholarship Fund

Other scholarship endowment funds are also available with no specific restrictions other than fulltime matriculation status:

  • Becker-Ettlinger Scholarship
  • Beissler-Winnai Scholarship
  • Fosbinder Scholarship
  • Kavka Scholarship
  • Koepchen Scholarship
  • Langenbacher Scholarship
  • Muller (August) Scholarship
  • Overbeck (George & Katherine) Scholarship
  • Overbeck/Koepchen Scholarship
  • Overbeck/Ohlhauer Scholarship
  • Pherson (John & Ann) Scholarship
  • Pyne Scholarship
  • RCS Fund Scholarship
  • Scheele-Mueller Scholarship
  • Steege Scholarship
  • Helen Wasch-Klemm Memorial Scholarship

Other Sources of Financial Aid

District Aid. The districts of The Lutheran Church—Missouri Synod have funds available for students who are planning to be pastors, teachers, parish workers, or deaconesses in the Church. Most awards are based on need, although some awards are based on academic achievement. Students should consult their pastor or the chairman of their district scholarship committee for complete details, information, and application deadlines.

Local community groups often provide scholarships for hometown students. Consult your guidance office.  Also consider your parents’ employer, union, fraternal organization to find out if scholarships are offered.

Prizes

A number of special prizes are awarded annually to deserving students in recognition of their excellence in various academic and student life areas. More information concerning these prizes is available from the Office of the Provost.

Employment

On campus employment opportunities are available to students, with priority given to those who qualify for the Federal College Work Study Program. The Student Worker Application for Employment can be found on Vocational Planning page of the College’s website. In addition, the Vocational Planning maintains employment resources for students seeking on- and off-campus employment —including childcare, tutoring, retail, and professional positions. All employment opportunities for students can be accessed through CareerLink, the College’s online career management system that hosts our job and internship database. Access to CareerLink is given to inquiring students after an initial meeting with a counselor in the Career Development Center.

Satisfactory Academic Progress

In response to Federal and New York State laws, Concordia has defined, for purposes of student financial aid, “measurable satisfactory academic progress” as a combination of minimum credits and a minimum grade point average (qualitative) to have been achieved by the end of each academic semester (quantitative). Academic progress will be evaluated each semester on the basis of the following criteria:

  • Minimum cumulative grade point average (GPA)
  • Successful completion of 67% of total cumulative hours attempted
  • Successful completion of an academic degree/ program within a specified maximum time frame expressed as hours attempted, not to exceed 150%

The Federal government also requires Concordia College to monitor the academic progress of non-recipients. It is important to note that satisfactory academic progress during any term in which a student does not have financial aid will be a factor in determining eligibility for aid in subsequent terms. Progress will be monitored, and students will be notified if the minimum standards have not been met. For those students enrolled in baccalaureate degree programs, successful completion of 15-16 credits per semester is necessary to graduate in four years. For financial aid eligibility, however, the minimum requirements are as follows:

**INSERT TABLE**- Program:Baccalaureate Program
Calendar: Semester 2010–2011 and thereafter (non-remedial students)

These standards are separate and slightly different than progress requirements for academic standing at the College.

For those students enrolled in associate degree programs, the requirements are as follows:

Start of Semester Minimum Credits Accrued Minimum Grade Point Average
1 0 0.0
2 3 1.3
3 12 1.5
4 24 2.0
5 36 2.0
6 48 2.0

For those students enrolled in master’s degree programs, satisfactory completion of 6 credit hours (or 3 credit hours if half-time) per semester and a 3.0 cumulative GPA is required to remain in good academic standing.

Included in the definition of attempted hours are:

  • Credit hours for which students are enrolled AND/OR hours added during the “add/drop period” for the term
  • Credit hours that include marks of: A-F, I, P, W, WP, and WF
  • Credit hours transferred to Concordia College: A-C and P grades

Excluded from the definition of attempted hours are:

  • Credit hours dropped on or before the end of the add/drop period
  • Credit hours that include mark of AU
  • Credits hours transferred to Concordia with mark of CR. These hours are counted toward the maximum time frame determination, however

Included in the definition of successful completion are:

  • Credit hours for which there is a letter grade of A-D and P

Excluded from the definition of successful completion are:

  • Credit hours for which there is no letter grade indicating success completion of coursework, including marks of I and IP
  • Credit hours transferred to Concordia with marks W, WP, D, and F but these hours are counted toward the maximum time frame

Explanation of a Withdrawal “W” Grade in Satisfactory Academic Progress (SAP):

Withdrawal Occurs Included for SAP
Before the 1st day of class Hours not included
1st day through the end of Add/Drop Credit hours for which the student is enrolled as of the date of withdrawal
After Add/Drop Credit hours for which the student is enrolled as of the last day of Add/Drop

Repeated coursework—Financial Aid may be awarded only twice for courses repeated to improve a sub-standard grade of D, F, W, WP, or WF. Credit hours will count toward the 150% maximum time frame. A student can receive financial aid for failing grades. Students cannot receive financial aid in an attempt to better their grade that meets the program of study’s minimum requirement.

Incomplete grades—No financial aid awards will be made to students until incomplete grades are removed.

Transfer credits—Transfer credits must be included in the maximum time frame. Credits used in transfer determine the student’s class level and progress toward a degree even if the student did not receive financial aid at the previous institution.

Student academic progress for Federal and state aid is reviewed at the end of each semester by the Academic Review Committee, chaired by the Associate Vice President of Academic Affairs. If the Committee determines that the student is deficient in attempted hours and an unsatisfactory grade point average, the student has several options to correct the results.  

  • Students can apply one-time for a Financial Aid Satisfactory Academic Progress Waiver and submit it, along with the required documentation, to the financial aid office. If granted, the student is expected to advance to the appropriate level of academic progress based on the SAP Chart.
  • The student can enroll the following semester(s) at his/her own expense, until all deficiencies are made up. If planning to attend a summer session at another college/ university, the student must check with the Registrar to ensure the coursework will be transferable/accepted. No federal financial aid can be awarded while a student is on financial aid suspension.  

Financial Aid Waiver

Notification is sent via Concordia email to student who becomes ineligible for financial aid funds due to unsatisfactory academic progress. Federal regulations allow an automatic probation period for a single semester which allows the student to receive Federal financial aid for that term. Continued unsatisfactory academic progress negates eligibility for financial aid. A student may appeal the loss of aid if extenuating circumstances are felt to have caused the unsatisfactory academic progress.

To appeal for reinstatement of aid, the student must submit the SAP Waiver Request Form, supporting documentation, and a plan of action. The request should be received by the Financial Aid Office no later than 14 days after the student is notified of unsatisfactory academic progress.

Final responsibility for adherence to these guidelines rests with the student.

These two simple rules will help ensure that the student will not have an SAP problem.

  1. Full-time undergraduate students should successfully complete at least 12 credit hours each semester with a grade of “C” or better.
  2. To remain eligible for Federal aid, students must complete their undergraduate degree within 6 years, even if they did not receive Federal aid in prior periods of enrollment.  

New York State Program Pursuit and Academic Standing

A matriculated student is considered to be in Good Academic Standing at the end of a term and for the subsequent term if the student meets both Academic Progress and Program Pursuit. 

For New York State aid, Program Pursuit is defined in regulations as completing—getting a passing or failing grade in a percentage of the minimum full-time course load in each term an award is received. The percentage, as specified in regulations, begins at 50 percent of the minimum full-time course load in each term of the first year an award is received, to 75 percent in each term of the second year an award is received, to 100 percent in each term of the third year an award is received and thereafter.

Effective 2010-11 for non-remedial students receiving first NYS award payment in 2010-11 and thereafter. Remedial students and students enrolled in an approved certificate program will use the 2006 SAP charts.

**INSERT TABLE**- Program:Baccalaureate Program
Calendar: Semester 2010–2011 and thereafter (non-remedial students)

Transfer Students

Transfer students will be placed on the chart based on the number of transfer credits accepted from the student’s previous program of study. That assessment and information concerning the number of TAP awards the student had previously received will be used to place the student at the appropriate point on the Concordia College schedule of academic progress. Placement will be made either with the number of payments received or the number of credits earned—whichever is more beneficial to the student.    

Financial Aid Checklist

To assure all reasonable steps to obtain financial aid from Concordia and outside sources have been taken, applicants are encouraged to follow these recommendations:

  • Complete Concordia’s application for admission and the admission process as early as possible.
  • File the Free Application for Federal Student Aid (FAFSA) as soon after October 1st as possible. Priority deadline for all students: April 1. File online at www.fafsa.ed.gov. Concordia College Institutional Code: 002709.
  • New York State residents should link to Tuition Assistance Program (TAP) on the Web (accessed from FAFSA Confirmation page online), when filing their FAFSA online; this speeds the TAP Grant processing time. New York State Higher Education Services Corporation (HESC) will send a postcard or email providing completion instructions to those students who do not file online. Concordia College Code: 2040.
  • If you are a member of The Lutheran Church- Missouri Synod and are preparing for a professional church vocation, file the District Aid application.
  • Submit high school transcripts by August 1st.

After all forms are processed and the student has been admitted to the College, an Award Notification Packet is sent to the applicant. The applicant must either accept or decline the awards online after submitting the admission deposit.  

Return of Title IV Funds (Federal Financial Aid)

A student has not “earned” all his/her Federal financial aid if he/she withdraws prior to completing 60 percent of the term. A Return of Title IV Funds calculation must be performed. The unearned portion (based on the percentage of the term remaining) of the aid is returned to the lender or aid program. For example, if a student completes only 20 percent of the term, then he or she has failed to earn 80 percent of the Federal financial aid that was disbursed, or could have been disbursed, prior to the withdrawal. If the return of the funds creates a balance due on the student’s account, the student will be responsible to pay the balance on the account. Funds included in the Return of Title IV Funds process are: Unsubsidized Federal Loans, Subsidized Federal Loans, Federal PLUS Loans, Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, and other Federal Grants. In some cases, students may owe a portion of the funds. 

In these cases, Concordia College will return the student’s portion to avoid a Federal “overpayment”. The student will then be responsible for the balance on the Concordia College account. Payment must be made prior to the end of the withdrawal semester. For further information, contact the Student Accounts Office. 

New York State Funds

New York State does not have a regulation regarding pro-rating state awards and allows a student with a 100% tuition liability to use the TAP Grant to pay towards any balance due upon withdrawal. Concordia College will use the state award to offset any balance the student owes the school. However, the student will not be eligible for TAP the following semester.  

Notifications and Authorizations for Financial Aid

Federal regulations indicate that schools have 30 days in which to notify students/parents that their loan(s) have been disbursed to the student’s account. All notifications will be sent to the student’s Concordia College e-mail address. It is the student’s responsibility to notify a school within 14 days from disbursement if he/she wants the loan cancelled or reduced.

Federal Regulations require that the College have written authorization on file to use Federal student aid funds to:

  • pay for allowable charges other than tuition, fees, and room and board, or hold a Federal student aid credit balance. Any credit balance created by Federal funds must be paid within 14 days after the balance occurred on the student account, assuming it occurred after the first day of classes.
  • apply Federal student aid funds toward minor prior-year charges.