Important Financial Aid Information

General Eligibility
Cost of Attending Temple College
Enrollment Requirement
Award Policies
Types of Financial Aid
Generial Information
A Message About Financial Aid and The Student Consumer
Contact Information

The Student Financial Aid Office functions as a viable source of information to increase the service to students who attend Temple College. This guide provides data essential to those who desire financial assistance. The general requirements, procedures, and available programs are scheduled in such a manner as to assist an individual in making a logical choice regarding the aid desired. Additional information may be secured through direct contact with the staff in the Student Financial Aid Office.

The Student Financial Aid Office at Temple College is designed to function as a multipurpose financial assistance service for the students. The importance of the aid programs offered is to provide assistance to students who, without such aid, would be unable to attend college. Basic to this concept is the belief that the educational opportunities of capable students should not be controlled by their financial resources.

Awards from financial aid funded by state and federal governments are administered according to regulations governing these programs. Priority in awarding aid is given to students with need who meet application deadlines. Because financial aid funds are limited, a student's need often cannot be met from only one source. Therefore, students may receive assistance from a combination of grant, loan, scholarship, and employment earnings. The processing of these aid packages may require completing several forms and applications. Funds in these programs are distributed to provide maximum benefit to both the individual student and the total student population.

General Eligibility

To be eligible for financial aid, a student must:

• Be making satisfactory progress as defined in the current college catalog (complete courses enrolled in with a 2.0 GPA).
• Not be in default on any loan/debt from Temple College or the Federal Family Education Loan.
• Not owe a refund of financial aid funds received for attendance at any institution.
• Be enrolled on at least a half-time basis (6 semester hours). Limited funds may be available to students enrolled on a less-than-half-time basis.
• Be a U. S. Citizen or eligible non-citizen.
• Provide all documentation requested by the office of Financial Aid.

Cost of Attending Temple College

1. When planning the cost of a year in college, a student should keep in mind the amount of funds that will be spent from the time of leaving home until the return at the close of the school year. Costs vary with regard to the different courses of study, type of housing, transportation costs, individual circumstances, and extraordinary expenses incurred through inflation. Additionally, costs tend to vary according to the thrift, taste, choice, and habit of the individual participant.
2. To aid the student in determining the cost of an academic year, Temple College publishes an expense budget. Expenses are based on one academic year (Fall and Spring semesters) for a "typical" student. (Available at the Financial Aid Office)
3. An average budget for the academic year (nine months) reflects direct and indirect costs. Direct educational expenses include tuition, fees, books, and supplies. Indirect expenses include room and board, transportation, and personal expenses.
4. Costs of attendance are subject to change.

Estimated Costs Of Attendance

Enrollment Requirement

How to Apply for Financial Aid

STEP 1: (A) Fill out the Free Application for Federal Student Aid (FAFSA) completely and mail it to the government in the envelope provided with the application. Like to surf the web?? Check out FAFSA on the Web, an Internet application developed by the Department of Education. Using a supported web browser, students may complete and submit their FAFSA information directly to the Department of Education’s Central Processing System. Students applying through the electronic FASFA for the first time will have to apply for a PIN number. The PIN number is then used to complete the FASFA on the web. Students will be instructed what steps to follow when they log into the web site.

Try: www.fafsa.ed.gov

(B) Complete and turn in Admissions papers for the college. If an application for admission in not on file and entered into the system, a student's financial aid cannot be processed. Failure to apply for admission will delay the processing of one's financial aid.

(C) Have your high school send Temple College an official high school transcript. If you have a GED, bring in your certificate.

If you attended another college and/or trade school, have all such schools send official academic transcripts to Temple College. .

STEP 2: Wait.
If you mailed off the FAFSA form, you will receive a Student Aid Report (SAR) from the government in up to four weeks. If you entered the FAFSA form on the internet and you gave them your e-mail address, you will receive an e-mail from the Department of Education saying they have processed your results. If you entered the FAFSA form on the internet and you did not give them your e-mail address, you will receive an Information Acknowledgement Sheet (front and Back) of your results from the goverment.
When you receive any of these, you MUST notify the Financial Aid Office.

STEP 3: Additional forms may be required before the application process is complete.

STEP 4: Turn in all other necessary paperwork that you have received from the Financial Aid Office.

STEP 5: Watch your mail -- we will send you an award letter. Read this letter and any enclosed forms carefully.

Financial need is the difference between the cost of attending Temple College and all resources available to the student including parental and student contributions.

The Office of Student Financial Aid will make every effort to meet documented financial need from a variety of sources depending on the program eligibility of the student.

Award Policies

Applicants are first considered for any gift assistance, for work opportunity, and finally for loan assistance. When possible the student's designated choice of aid is considered. Renewal applicants are generally considered for funds which are renewable, if the student continues to meet program requirements, and funds have not been depleted. Students requesting loans must complete additional forms in the Financial Aid Office. Students who receive a loan must complete pre-loan counseling on the Web before funds can be released.

After the Student Financial Aid Office has received the appropriate forms listed, the student's financial need and the types of awards for which he qualifies will be determined from the information obtained from the file. Often the Student Financial Aid Office offers the student a combination of types of aid called a "financial aid package", which helps to keep the student's indebtedness at a minimum. For example, a student is considered for a scholarship, grant or other gift aid, after which he or she may work to earn some of the needed money, and borrow the remainder which can be repaid after graduation when earnings will be higher. Students are encouraged to borrow only when necessary and then only as much as necessary. Repayment of student loans is a harsh reality more information on this subject may be obtained in brochures available in the Student Financial Aid Office.

AWARD LETTERS

Award letters are mailed to eligible students to inform them of the amount, source, and conditions of acceptance of the financial assistance that they will receive. It is advisable to keep the Student Financial Aid Office informed of address changes. This is an informative letter that does not need to be returned.

Refund Policy

Return of Title IV Funds

Refunds to SFA recipients must be distributed in the following order:

1. Unsubsidized Federal Stafford Loans
2. Subsidized Federal Stafford Loans
3. Unsubsidized Federal Direct Stafford Loans
4. Subsidized Federal Direct Stafford Loans
5. Federal Perkins Loans
6. Federal PLUS Loans
7. Federal Direct PLUS Loans
8. Federal Pell Grants
9. FSEOGs
10. Other SFA Programs
11. Other federal, state, private, or institutional sources of aid
12. The student

Types of Financial Aid

Federal Pell Grant

This is an award that does not have to be repaid. Your estimated award is based on full-time enrollment of 12 hours or more. You will receive three-fourths of the award if you are enrolled in 9 to 11 hours, half of the award for enrollment of 6 to 8 hours, and a fractional amount for less than half-time 5 hours or less. Some small Pell Grant awards may not pay for less than full-time status. If your award is $650 or less per semester, you may be affected by this pro-ration. The Pell Grant can be credited toward charges of tuition and fees, and books. Any unspent funds will be disbursed to the student. Balance checks will be mailed (for those who have completed their files prior to the first day of class) approximately 14 days after the first day of class. For those completing their files after the first day of class, the checks will disburse accordingly. Please note your Pell Grant award may not cover all costs. It is your responsibility to make arrangements for additional funding if necessary. You must maintain Satisfactory Academic Progress every school year. YOU MUST ALSO REAPPLY EACH YEAR.

Federal Supplemental Educational Opportunity Grant (SEOG)

This award does not have to be paid back. This grant is awarded to those whose EFC is "0". The allocation for the SEOG grant is limited and is therefore awarded on a first-come first-served basis. This grant is usually awarded in increments of $500 per year. The SEOG grant is credited towards your tuition, fees, and books. Any unspent funds will be disbursed to the student usually at the same time the PELL grants are disbursed.

Academic Competitiveness Grants (ACG)

Students who have completed rigorous secondary program requirements in high school may be eligible for the Academic Competitiveness Grant (ACG). The Academic Competitiveness Grant was made available for the first time for the 2006-2007 school year for first year college students who graduated from high school after January 1, 2006, and for second year college students who graduated from high school after January 1, 2005. A high school transcript identifying and verifying the rigorous program successfully completed must be provided to Admissions and Records in order for a student to be considered for the ACG. To receive an ACG a student must be a Pell Grant recipient and enroll full time (12 semester hours or more) in a degree program. To remain eligible for the grant students must not drop below full time (12 credit hours per semester) during their first two years of college, and a GPA of 3.0 or greater must be maintained.

Texas Grant (Toward Excellence, Access and Success)

WHO can compete for an award? A student who:

• Is a Texas resident
• Graduated from a public or accredited private high school in Texas no earlier than fall 2004
• Completed the recommended or advanced high school curriculum or its equivalent
• Has financial need
• Enrolls at least ¾-time in an undergraduate degree or certificate program as an entering undergraduate within 16 months of high school graduation and
• Has not been convicted of a felony or crime involving a controlled substance.

How much can a student receive through the program at Temple College? Students may receive $635 per semester. Students can receive for more than one year but must apply each year.

How do I apply?

• Students must meet the above requirements
• Students must apply for financial aid using the Free Application for Federal Student Aid (FAFSA)
• Students must turn in the FAFSA results and any other required documents to the Financial Aid Office
• Students must attach a copy of their final high school transcript showing graduation date to this application
• Return the completed application to the Financial Aid Office

Texas Public Education Grant (TPEG)

State and institutional funds provide a very limited number of awards to students who find themselves in extreme financial conditions. Awards are determined by the Financial Aid Office and are not repaid. Recipients are allowed to charge tuition and fees or books for the amount of the grant at the time of registration. Although these funds are limited, students applying for other financial aid will automatically be considered for this program.

Work Programs

The Federal College Work Study and Local Student Assistant programs provide part-time employment for qualified students. Positions vary from clerical to lab assistants, and computer operations to lifeguards. Eligibility for Work Study is need based. Students can work up to nineteen hours a week and are paid at least the current minimum wage as set forth by the Department of Labor (TC's rate is $6.00/hour). Students must maintain acceptable work habits in order to continue employment. Students must be enrolled at least half-time and must apply for financial aid. Applications for the Work Study positions are available in the Financial Aid Office. Students are paid on the last working day of each month.

Federal Family Education Loan Program

This loan program permits students to obtain low-interest loans from private lending agencies. The process is begun by completing the (FAFSA) form. Eligibility requirements include, but are not limited to, need. There are two types of loans under the Federal Stafford Loan Program: Subsidized and Unsubsidized. After completing the financial aid process, student loan applications (available in the financial aid office) are certified by the Financial Aid Specialist. These loans are normally made through banks, credit unions, or savings and loan associations who participate in the program. These loans do not have to be repaid until 6 months after the student leaves school or ceases to be enrolled on a half-time basis. Interest rates are variable and subject to change. Students must be enrolled at least half-time. Maximum loans are $3,500 per school year for Freshmen and $4,500 per school year for Sophomores. First-time borrowers at Temple College must attend an entrance counseling session and cannot receive their first disbursement until 30 days after classes begin for the first semester they borrow. All borrowers who leave Temple College must attend an exit session.

	Loan Counseling on the web. First-time borrowers at TC are required to complete Entrance Counseling before receiving their first disbursement. Click on the Stafford Entrance Counseling button to begin.
	Student loan borrowers who are leaving TC are required to complete Exit Counseling within 30 days of ceasing enrollment at TC. Click on the Stafford Exit Counseling button to begin.

To get more information about check processing or release dates, contact the Financial Aid Office.

College Access Loan Program

College Access Loan (CAL) is administered through the Texas Higher Education Coordinating Board. The CAL is designed to assist the college student whose family experiences difficulty in meeting the expected family contribution toward educational costs. Enrollment in an accredited public or nonprofit independent institution of higher education in Texas is required. The qualified student must be eligible to pay resident tuition and fees at public institution of higher education and must be enrolled on a nonprobationary basis. Borrowing through the program in successive years depends on the borrower’s academic progress and standing as determined by the institution of higher education in which the borrower is enrolled. Students apply on line (www.hhloans.com). Students should contact the Financial Aid Office to expedite their application.

Parent Loans for Undergraduate Students (PLUS):

Temple College is currently participating in this program.

Short-term Loan Programs

Temple College has limited funds to provide immediate assistance for tuition and fees. These funds are made available through gifts contributed by individuals and organizations interested in Temple College and in the welfare of its students. The funds are used for emergency loans for payment of tuition, fees, or books and must be repaid during the term of enrollment so that the money may be continually circulated. Loan recipients will be charged a $10 fee. Loans are made only to students who have resources to make repayment reasonably certain. Allow at least seven days for processing. The maximum loan is $300.

Scholarships

Temple College offers scholarships through various departments of the College. Private donor scholaships are also available to students. See Scholarship section for more details.

Veterans Programs

For information on these programs, contact the Veterans Administration Office or the VA Counselor in the Advising Office. Students must also apply for Federal Financial Aid by completing the FAFSA.

General Information

Financial Counseling

The Financial Aid Office offers personal counseling with students and parents. The financial aid personnel are available to students to discuss budgeting, types of financial aid available, and financial aid awards. Further information may be obtained by contacting the Financial Aid Office. Office hours are 8 a. m. to 6 p.m. Monday-Thursday and 8 a.m. to 12 p.m. Fridays during the Fall/Spring semesters. Summer hours are 7:30 a. m. to 6 p. m. Monday-Thursday. Closed on Fridays.

Academic Programs

Students interested in obtaining information about academic programs, instructional, laboratory, and other physical plant facilities along with current degree programs and other educational and training programs at Temple College should access the catalogue on the WEB or purchase a copy for a nominal fee from the bookstore.

Physical Access For Students With Disabilities

Facilities are accessible to students with disabilities. Program accommodations are made for these students as required. Students with disabilities are invited to call or come in person to discuss their needs. Contact Special Support Services at 254-298-8333.

Financial Obligations

Students who do not satisfy institutional charges will be subject to being placed on "hold" (ie. withholding academic transcripts, other records, being unable to register for the subsequent semester or suspended.) It is the policy of this institution to withhold academic transcripts for students who have been reported to the institution as being in default on a student loan.

Ability To Benefit

Students accepted for admission are considered able to benefit from all credit courses offered at Temple College. Students are considered to be able to benefit if they are a high school graduate, have completed a G.E.D., or have passed an entrance exam approved by the Secretary of Education.

Equal Educational Opportunity

It is the policy of Temple College to ensure equal opportunity in all its educational and financial aid programs without regard to gender, disability, race, color, age, religion, national origin or veteran status. The college reserves the right to make changes without notice as required by college or legislative action.

Drug Abuse Prevention Program

Temple College has in operation a drug abuse prevention program that is accessible to any administrator, employee, or student.

Appeal Procedure

Students may appeal decisions made concerning their initial and continuing eligibility for financial assistance by making a written appeal to the Student Financial Aid Director. The appeal will be reviewed and decided upon by the Financial Aid Appeals Committee.

Accreditation

Information regarding accreditation for Temple College is available in the Temple College catalogue or by contacting the Office of the President.

A Message About Financial Aid and
Student Consumer Information

Before you make a final decision on your education, you as a consumer should have information about the school's academic program, facilities, dropout rates, full cost of attendance, refund policy, financial aid programs, and any other information you will need to help you to make your decision.

Remember, the final choice is yours. Be sure you fully understand all your options and your responsibilities before you make your decision.

Student Rights And Responsibilities

1. The names of its accrediting organizations
2. About its programs, facilities, and faculty
3. What financial aid programs are available
4. The cost of attendance and their refund policy
5. Procedures and deadlines for submitting applications
6. How it determines your financial need, and the percentage that has been met
7. How and when you will be paid
8. The interest rate, amount payable, and repayment period of a loan
9. The hours, duties, and rate of pay for an on-campus job
10. To reconsider your aid package if enrollment or financial circumstances have changed
11. How the school determines if you are making satisfactory progress
12. What special facilities and services are available to the handicapped

1. Review and consider all information about a school's program before you enroll
2. Complete all applications accurately and submit them on time
3. Provide any and all documentation, corrections and new information requested by the Financial Aid Office
4. Read, understand and keep copies of all forms you are asked to sign
5. Comply with the provisions of any promissory note or other agreements you sign
6. Notify your school and/or lender of any changes in name, address or attendance status
7. Perform in a satisfactory manner the work that is agreed upon in accepting an on-campus job
8. Understand your school's refund policy
9. Maintain minimum standards of enrollment
10. Provide correct information. Note: misreporting information on a financial aid form is a violation of law and may be considered a criminal offense which could result in indictment under the U.S. Criminal Code
11. Be aware of and comply with deadlines

When students register for classes (these include classes signed up for during early registration) and are AWARDED financial aid then decide not to attend classes, they MUST officially drop all classes in the Advising Center (2nd Floor OCC Building). Not dropping classes could result in receiving all "F's" for the term and/or may result in owing back money to Temple College as well as the Federal Government. If funds are owed back due to a Return to Title IV calculation, the student cannot attend ANY college until such funds are paid back in full.

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