Financial Aid

 

Financial Aid at St. Louis Christian College

Our goal is to help each student who desires to attend St. Louis Christian College find the financial resources that will make it possible for him or her to enroll.
The majority of our students receive some form of financial aid. To find out what may be available to you, please check with our Financial Aid Director.

FAFSA School Code: 012580

Financial Aid Contact:

Cathi Wilhoit, Financial Aid Director
Office Hours: Monday-Friday 8:30 a.m. – 4:30 p.m.
Evenings by appointment
Phone: 314-837-6777 x1101
Email: finaid@stlchristian.edu

Drug Offense Penalty

In accordance with Department of Education regulations, if you are convicted for any offense under any federal or state law involving the possession or sale of illegal drugs during a period of enrollment in which you receive Title IV aid, you will lose your eligibility for any Title IV grant, loan, or work study assistance.

Frequently Requested Websites and Phone Numbers

For general information about the federal student financial assistance programs, call 1-800-443-3243.

Help in Completing the FAFSA

St. Louis Christian College complies with the Family and educational rights and Privacy Act of 1974 (FERPA) in accordance with the provisions of Public Law 93-380 as amended. Information regarding eligibility for aid, including types and amounts of aid awarded, is released only to the student applicant. Since an individual’s identity cannot be verified by telephone, no information can be given over the telephone.

Code of Conduct

The Higher Education Opportunity ACT (HEOA) requires educational institutions to develop and comply with a code of conduct that prohibits conflicts of interest for financial aid personnel. Any SLCC financial aid office employee who has responsibilities with respect to student educational loans must comply with this code of conduct. The following provisions bring SLCC into compliance with the federal law.

Neither SLCC as an institution nor any individual financial aid employee shall enter into any revenue-sharing arrangement with any lender which makes Title IV loans to students attending the institution.

No financial aid employee of SLCC who has responsibilities with respect to education loans, or any of their family members, shall solicit or accept any gift from a lender, guarantor, or servicer of education loans.

For purposes of this prohibition, the term “gift” means any gratuity, favor, discount, entertainment, hospitality, loan or other item having a monetary value of more than a nominal value.

Gifts and favorable terms and benefits does not include: a brochure, workshop or training using standard materials relating to a loan, default aversion, or financial literacy, such as a part of a training session. Entrance and exit counseling as long as the institution’s staff are in control of the counseling and the counseling does not promote the services of a specific lender.

A financial aid office employee at SLCC who has responsibilities with respect to education loans shall not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans. SLCC shall not:

  1. Assign a lender to a first-time borrower through award packaging or any other method.
  2. Refuse to certify or delay certification of any loan based on the borrower’s selection of a particular lender or guaranty agency.

SLCC shall not accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, to students in exchange for the institution providing concessions or promises regarding providing the lender with:

  1. A specific number of loans made, insured, or Guaranteed under Title IV.
  2. A specific volume of such loans.
  3. A preferred lender arrangement for such loans.

An “opportunity pool loan” is defined as a private education loan made by a lender to a student (or the student’s family) that involves a payment by the institution to the lender for extending credit to the student.

SLCC shall not request or accept from any lender any assistance with call center staffing or financial aid office staffing.

Any financial aid office employee who has any responsibilities with respect to education loans or other student financial aid, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such an advisory board, commission, or group.

Financial aid will not be disbursed until you have begun attendance for the semester. By “disbursement” is meant application to your school account of financial aid funds. If, after all disbursements have been made, there is a credit balance on your account, you will receive a “refund.” This refund will be a check written to you and sent to your school mailbox. Details of this policy will also be sent to you with your financial aid award letter.

 

Disbursement for Students in the Traditional DAY Program

No financial aid will be disbursed until the end of the drop-add period each semester (usually at the end of the second week of the semester). After that, your federal grants and student loan funds will be disbursed to your account. If there is a credit balance at that time, you will be issued a refund check. Outside scholarships and church gifts will be credited to your account as they are received.

Disbursement for Students in the Adult Evening Program

No financial aid will be disbursed until the end of the drop-add period each semester (usually at the end of the second week of the semester). After that, your federal grants and one half of your semester student loan funds will be disbursed to your account. If this results in a credit balance on your account, a refund check will be issued. Halfway through the semester the second half of your student loan funds will be disbursed. If you have a credit balance on your account, you will receive a refund check.

Disbursement for Students in the Online Program

No financial aid will be disbursed until the end of the drop-add period each semester (usually at the end of the second week of the semester). After that, if you are enrolled for an entire academic year (2 semesters, 6 modules), your Pell Grant and loan will be divided into six equal disbursements.  If you plan to be enrolled for less than three consecutive terms, your disbursements will equal the number of the anticipated modules.  If you are a first-time student, see the note below regarding a 30-day disbursement delay.

If you have financial aid that exceeds a term’s institutional charges, you will receive a refund.  However, the refund will not be forthcoming until you show a credit balance on your account.  Your total institutional charges for a term must be satisfied before you can receive a refund.  To calculate when you might expect a refund, subtract your Pell Grant and the appropriate portion of your student loan from your charges; if a negative number results, you will receive a refund during Module 1.  If a positive number results, you will not receive a refund until the beginning of Module 2 or Module 3, depending on when there is a negative number.

For all new students, the first loan disbursement will be subject to a 30-day disbursement delay.  This occurs only during your first term of enrollment.

St. Louis Christian College

2019-2020 Academic Year Rate Schedule

Tuition Rates
Traditional Day -Full time 12-18 credit hours per semester $6,480.00 Books included
Traditional Day – Part time 6-11 credit hours per semester $3,645.00 Books included
Adult Evening Program per credit hour $405.00 Books included
Less than 6 credit hours & online per credit hour $405.00 Books NOT included
Certificate Rate (for credit) per credit hour $405.00 Books NOT included
Continuing Education Units (not for credit) per course $200.00 Books NOT included
Audit Rate (not for credit) per course $100.00 Books included
Fees
Course fee (less than 6 credit hours and online) per credit hour $11.00
Late Registration per semester $250.00
Probation per semester $250.00
Private Music per course $300.00
Independent Study per credit hour $150.00
Developmental Course per course $125.00
Early Start High School Fee per credit hour $99.00
Incomplete Grade Request per course $50.00
ACCUPLACER per test $25.00
Dorm Rates
Traditional Student – Double* per semester $3,500.00
Traditional Student – Single* per semester $4,000.00
*Includes 15 meals/week

Financial Aid FAQs:

What are the steps I have to take to apply for financial aid?
  1. For any type of federal aid, including student loans, complete the Free Application for Federal Student Aid (FAFSA) at here.
  2. If you desire a Stafford Direct Student loan:
    1. Complete the SLCC Loan Request Form.
    2. Complete the Master Promissory Note (you can do this online here.
    3. Complete Loan Entrance Counseling online at here.
Do I need any cash to start classes?

If you have sufficient financial aid, you will not need any cash at the time you begin classes. If you have enough financial aid to cover books, your books can be added to your school account also.

If you don’t have sufficient financial aid to cover your entire bill, then you will need to pay the remainder at the time of registration.

Why do I have to provide my parent's information?

There are some yes/no questions on the FAFSA that determine your dependency status. Even if you are self supporting, you are considered a dependent of your parents unless one of the following conditions is met:

  • You are 24 years old before January 1 of the year you are applying for financial aid.
  • You are an orphan or were a ward of the court until age 18.
  • You are a veteran.
  • You are a graduate student.
  • You are married.
  • You have a child or dependents (other than children or spouse) who receives more than half of their support from you.
  • You are currently serving on active duty in the U.S. Armed Forces for purposes other than training.
I already filed the FAFSA but did not list SLCC as one of my schools

You can make a correction online and add our school code. Click the link here and select the link “Add or Delete a School Code.” SLCC’s FAFSA code is 012580.

My parent refuses to sign the FAFSA or submit FAFSA information

If there are unusual circumstances, such as abuse, abandonment, etc., the Financial Aid Office may be able to do a dependency override if you provide sufficient documentation. Contact the Financial Aid Office to request a Dependency Override form if this is the case. If circumstances do not warrant a dependency override, there are provisions in which a student whose parents refuse to cooperate in completing the FAFSA may be able to receive an unsubsidized Stafford Loan. Contact the Financial Aid Office for more information.

What determines the Expected Family Contribution (EFC) when I file my FAFSA?

Family income is one factor, but not the only one. Family size, number in college, untaxed income, assets, etc. are also taken into consideration. The student’s own income and assets are assessed more heavily than the parents’.

My family’s financial situation has changed since we reported on the FAFSA

The Financial Aid Office may be able to do an income adjustment based on the current situation. Request an Income Adjustment Form from the Financial Aid Office.

Is my stepparent required to supply his or her information on the FAFSA?

Yes. Even if your stepparent has not adopted you, the custodial parents are both required to submit their information on the FAFSA.

Do I need to include my spouse's income on my FAFSA?

Yes. When asked for income and taxes paid and other tax items, you must total the amounts from both incomes.

My parents are divorced. Whose information do I report on the FAFSA?

Only the custodial parent (parent with whom the child lives) is required to supply the necessary financial information. If the other parent furnishes child support, it will be reported on the FAFSA also.

What does it mean if I am selected for a process called Verification?

SLCC’s Financial Aid Office is required to obtain certain documents from students selected for verification. These consist of a completed Verification Worksheet and possibly other documents. You will be notified if these documents must be provided.

Can I obtain a job on campus?

Funding for jobs on campus is limited; jobs are assigned primarily to returning students who have demonstrated competence and dependability the previous year. Freshmen generally will not be assigned paid jobs on campus.

If my Pell Grant and Stafford loan are not sufficient, what else is available?

You may want to consider a Parent PLUS Loan (parents of undergraduate students only). The parent must apply and be approved; if the parent is not approved due to a faulty credit rating, the student may be able to receive an additional $4,000 a year in unsubsidized Stafford Loan. Proof of denial must be received by the Financial Aid Office. If your parent does not wish to apply for a PLUS loan, you might want consider an Alternative (private) educational loan. More information about PLUS and alternative loans are on the SLCC Loan Request Form. An alternative loan should be a loan of last resort, since terms and conditions are not as favorable as for the Federal Stafford and PLUS loans.

What determines transfer student grade level for Stafford Loan purposes?

Once your admissions file is complete, the Registrar will evaluate your previous transcripts depending on what your intended degree program will be and determine how many of your credits are accepted for transfer to that program. The number of credits accepted will determine your grade level for loan purposes.

After applying for financial aid, what do I do next?

Once you have completed all the proper paperwork needed for financial aid, you will receive a Financial Aid Award Letter in the mail. This letter will indicate the aid that has been awarded. Review the award letter for accuracy and to make sure your financial aid is sufficient to cover your costs. Read all of the accompanying material to make sure you understand the terms and conditions of your financial aid. Return a copy of the award letter with your signature to the Financial Aid office indicating that you accept or decline the awards offered.

Financial Aid and Scholarships

To be considered for any type of financial aid, students must first submit the Free Application for Federal Student Aid (FAFSA) each year.

Federal Programs

A number of federal programs are available:

Pell Grant
Maximum Pell Grant for 2018-2019 is $6,095 per year. Minimum amount is $296 per year.
Supplemental Educational Opportunity Grant (SEOG)
This grant is for students demonstrating exceptional need. Average award is $400. Priority deadline for consideration is June 15 for students beginning in the fall, and November 15 for students beginning in the spring.  Awards are made until funds are depleted.
Federal Work-Study Program (FWS)
FWS is a federally funded program which enables students to work part time on campus. Pay starts at minimum wage. Jobs are limited and preference is given to upperclassmen.
Stafford Loan Program
This is a government-sponsored loan for students enrolled at least half time during the semester. Repayment begins six months after the student terminates college enrollment or is no longer at least half time. Maximum amount for freshmen is $3,500; sophomores, $4,500; juniors and seniors, $5,500. Independent students may be able to borrow between $4,000 and $5,000 a year in unsubsidized loans, depending upon need and grade classification.
Parent Loans for Undergraduate Students (PLUS)
Parents of students may borrow toward their dependents’ education. The PLUS program enables parents to borrow an amount equal to the cost of education minus financial aid. Payment of interest and principal begins sixty (60) days after the final disbursement in the year. In addition to base grade level amounts, independent freshman and sophomore students may be able to borrow up to $4,000 and independent junior and senior students may be able to borrow up to $5,000 a year in unsubsidized loans, depending upon need.

Alternative Education Loans

Students whose parents do not wish to apply for a PLUS loan may be eligible to obtain an alternative loan through a private lender.  Students will have to demonstrate credit worthiness or secure a cosigner who is credit worthy.  SLCC does not recommend any particular lender; you can find a lender through an internet search engine under “alternative education loans.”  These loans have less favorable rates and terms than the Direct Loan or PLUS Loan.  You should discuss with you financial aid office your eligibility for federal loans before you apply for an alternative loan.

Veteran Benefits

Financial assistance may be available to veterans of the armed forces. Students should apply at their nearest office of the U.S. Department of Veterans Affairs. St. Louis Christian College is approved for veterans’ educational benefits.

Vocational Rehabilitation

Students with physical disabilities that constitute substantial vocational handicaps may be eligible for grants. These funds are administrated through area offices of the Division of Vocational Rehabilitation.

Financial Aid Application Process

We’re happy to help you navigate through this process. It can be intimidating and confusing, and we hope that we can be helpful as you complete these steps. If you follow the steps below, we’ll be in a good place to help you make college as affordable as possible.

  • For any of the Federal Financial Aid programs (including the Stafford and PLUS Loans), submit the Free Application for Federal Student Aid (FAFSA) for the appropriate year to the Federal Processor. For the 2019-2020 academic year, you will need your 2017 federal income tax return(s).  If you are eligible to use the IRS Data Retrieval Tool, you are strongly encouraged to do so.  If you are chosen for verification and have used the IRS Data Retrieval Tool, the verification process is easier to complete.
  • To submit the FAFSA online (the preferred method), first go to www.fafsa.ed.gov and obtain a FSA ID if you do not already have one. If you are a dependent student, your parent must also obtain a FSA ID.  It is very important to keep a record of your FSA ID.  This FSA ID will be required for logging in, making corrections or submitting a new FAFSA the next academic year.
  • Then complete the FAFSA online at https://www.fafsa.ed.govSLCC’s school code is 012580.
  • About 30% of all FAFSAs are selected by the Federal Processor for verification. If you are selected, you will be required to furnish a verification worksheet and and possibly other documents. The Financial Aid Office will notify you if you are selected and will inform you of the documents you must furnish to the college.
Submit the FAFSA
A paper FAFSA can be obtained by calling 1-800-433-3243 or by visiting here. Or you can access a PDF version of the FAFSA here. To mail the PDF version of the FAFSA, print it out, complete it, and mail to the address provided. If you cannot submit it 30 days before you expect to enroll, you can complete the paper FAFSA and send it to the SLCC Financial Aid Office for electronic processing; results can be obtained the next day.
Complete a Master Promissory Note (MPN)
The MPN can be done online here. Select the green “Sign In” link. You will need your FSA ID (same as for your FAFSA). After establishing your profile, select Sign Master Promissory Note and follow the instructions.
Complete Loan Entrance Counseling
The MPN can be done online here. Select the green “Sign In” link. You will need your FSA ID (same as for your FAFSA). After establishing your profile, select “Complete Entrance Counseling.”
For a parent who wants to apply for a PLUS Loan, application can be done online here. Select the green “Sign In” link. Then select the link “Parent Plus”. You will need your FSA ID. (same as your parent ID for your student’s FA).

Making College Affordable

Understanding the total cost of earning a degree is very important. Equally important is analyzing the return on your investment in achieving that degree. Simply put, can you afford to get the degree you are thinking about at the college you are considering?

At SLCC we have made a commitment to low tuition with a biblical worldview, enabling you to afford your degree and put you on track to your desired career. By doing our part to keep costs low and quality high, we are the perfect value for your degree.

At SLCC we provide you with sound financial planning assistance to help you optimize your financial plan for college affordability. Combining federal financial aid for qualified individuals and a variety of national, state, and local scholarships which are potentially available, our team will help you build your financial plan for college and life success!

You will not be wasting your time or money by attending St. Louis Christian College.

Still undecided? Here are some other tips to help you with your financial plan, ensuring college is affordable for you.

  • Contact your employee benefits department and inquire about the tuition reimbursement policy.
  • Document credits you have earned from other colleges and contact the Office of Admissions to determine their transfer eligibility. SLCC has a generous policy to provide credit for your past work, whether it be previous college coursework or life experience.
  • Search for local and church scholarships.
  • Call us at 314-837-6777 x1101 to evaluate both federal and state student aid and loan options.
  • Put together a detailed monthly budget to determine the impact any out-of-pocket payments may have on your budget.

To learn more about financing your education and planning to graduate debt free, call our financial aid department at 314-837-6777 x1101.

Financial Aid for Online Programs

Financial Aid for the Online Program at St. Louis Christian College is available in the form of federal grants and loans.  The amount available depends on the student’s enrollment for an academic year..

Types of Aid Available

SLCC participates in the following Title IV (federal) programs:

  • Federal Pell Grant
  • Federal SEOG Grant
  • Federal Direct Stafford Loan
  • Federal Direct PLUS Loan (for parents of dependent students)
  • Federal Work Study (for on-campus students only)

SLCC is not eligible for Missouri State Grants or Scholarships.  (Missouri has a policy that prohibits students in theology programs from receiving Missouri financial aid.)

Federal Financial Aid Availability

To be eligible for federal financial aid, you must be accepted as a degree-seeking student at SLCC, must be making satisfactory academic progress, must not be in default on a student loan or owe a repayment, must be a U.S. citizen or eligible non-citizen, must meet the Selective Service requirements (if male), must have a high school diploma or recognized equivalent.

Academic Year

The Online Program academic year is July through June; however, a student can enroll at the beginning of any eight-week module. The Online Program academic year consists of two 24-week semesters as follows: Fall Semester with three eight-week modules and Spring Semester with three eight-week modules. Your financial aid will be based on your projected enrollment for the academic year.

The Free Application for Federal Student Aid (FAFSA)

Students must complete a  Free Application for Federal Student Aid (FAFSA) each year. This can be done online at www.fafsa.gov. SLCC’s School Code is 012580.  For example, a student applying to begin in July or the fall of 2019 will complete the 2019-2020 FAFSA. This FAFSA will be in effect through the Spring, 2020, semester. Be sure to list the school (School Code 012580); SLCC will receive a Student Aid Report from the Department of Education within two business days of submission of the FAFSA.  SLCC cannot award financial aid without this report.  To complete the FAFSA you will need a FSA ID (can be obtained during the FAFSA process). If you are a dependent student, your parent will also need a FSA ID.  The FSA ID is needed each year as you create your FAFSA.  Keep this ID in a secure and familiar place for you.

The Pell Grant

The FAFSA will determine a student’s eligibility for a Pell Grant and SEOG Grant; however, it is also necessary to submit a FAFSA for all federal loans, including the PLUS Loan for parents. The FAFSA should be submitted, if possible, at least four weeks before a student’s enrollment is expected to begin. If the Department of Education selects the student’s FAFSA for verification (and around 30% are so selected), then additional documentation will be required. A student will be notified by the SLCC Financial Aid Office if his/her FAFSA is selected for verification and what documentation is required. Students are urged to submit this documentation in a timely manner.

In 2018-2019, Pell Grants ranged from $6,095 a year depending on the student’s Expected Family Contribution (EFC)  and enrollment status. The EFC is a number computed by a Department of Education formula that takes into consideration numerous variables, such as income, number in family, assets, etc. A high enough EFC makes a student ineligible for a Pell Grant. An EFC of 0 means the maximum eligibility. Students are limited to an equivalent of six years of full-time Pell Grant (600%).

The Pell Grant for a student who is eligible for the maximum will not cover the full tuition at SLCC. Student loans are available for the remaining cost.

A Supplemental Educational Opportunity Grant may be awarded to an online student who has an EFC of 0. The amount is $200 per semester. The amount of funding SLCC receives for this grant is limited; consequently not all students with an EFC of 0 will receive this grant.

Pell Grant eligibility is limited to six full-time years (600%) of a student’s entire academic enrollment.

The Federal Direct Loan (Stafford Loan)

The Direct Loan is a federal loan program for students and has the most favorable terms and rates of any educational loan.  To be eligible, you must first submit the FAFSA and meet the other eligibility requirements for Title IV (federal) financial aid. The Stafford Loan is a loan in the name of the student does not require a credit check. However, there are Stafford loan limits, depending on your grade level and dependency status. The Stafford Loan has two components:  a subsidized portion and an unsubsidized portion. You must be enrolled at least half time in a semester (6 hours or more).

  • Subsidized: for students with demonstrated financial need, as determined by the results of your FAFSA. No interest is charged while a student is in school at least half-time, during the grace period, and during deferment periods.
  • Unsubsidized: not based on financial need; interest is charged during all periods, even during the time a student is in school and during grace and deferment periods.

There is also an up-front origination fee of 1.069% that is deducted from the loan by the Department of Education upon disbursement.

There are certain loan limits that apply to all students, depending on grade level and dependency status:

Yearly Limits

Grade Level Dependent Independent
Freshman (0-29 hours completed) $5,500 ($3,500)* $9,500 ($3,500)*
Sophomore (30-59 hours completed) $6,500 ($4,500)* $10,500 ($4,500)*
Junior and Senior $7,500 ($5,500)* $12,500 ($5,500)*

*The numbers in parentheses represent the maximum amount that may be subsidized.  For example, a freshman may receive no more than $3,500 a year as subsidized.  A new regulation also limits the subsidized loan to 150% of a student’s program length.

Aggregate Limits

Aggregate limits for undergraduates: $31,000 ($23,000)* $57,570 ($23,000)*

How to Apply for a Loan

To borrow a Direct Loan for the first time, you must complete a Master Promissory Note (MPN) and loan entrance counseling. Both of these are done electronically by following the link provided to the student loans.gov website.  Click here to begin. The FSA ID will be required.   These two items usually need to be completed only once (the MPN is good for 10 years). For example, if you transfer from another college where you had a Direct loan after 2010, your MPN is already on file and you do not need to complete a new one. If you completed loan counseling online previously, the Financial Aid Office can confirm that you met this requirement also.

The PLUS Loan

The Plus Loan is a loan for parents of dependent students. Although most students in the Online Program will be independent students (as determined by the FAFSA), there may be occasional instances where a student is dependent. For those students, in addition to the Stafford Loan, a parent (PLUS) loan may be an option to supplement the student loan, especially in those cases where the student is not eligible for a Pell Grant. Contact the Financial Aid Office if you are a dependent student and your parent wants to consider a PLUS loan.

Alternative Education Loans

Alternative Education Loans are loans offered through private lenders and are not sponsored by the federal government. Students will have to demonstrate credit worthiness or secure a cosigner who is credit worthy. SLCC does not recommend any particular lender; you can find a lender through an Internet search engine under “alternative education loans.” These loans have less favorable rates and terms than the Direct Loan or PLUS Loan. You should discuss with your financial aid office your eligibility for federal loans before you apply for an alternative loan.

Cost of Attendance and Financial Aid

A student can never receive more financial aid than his cost of attendance. The cost of attendance used in the Online Program follows the Department of Education’s cost elements, which includes tuition and fees, books, living expenses, and some miscellaneous personal expenses including a limited amount for transportation. A Cost of Attendance is established for each student depending on the number of semesters they expect to enroll in an academic year and their enrollment status during those semesters. This Cost of Attendance will appear on the student’s financial aid award letter. The Cost of Attendance (and anticipated financial aid) will be revised if a student does not attend all modules anticipated or drops classes before beginning attendance in those classes.

Withdrawals

To withdraw from a class, you will need to submit a withdrawal form to the Registrar’s Office. You may be administratively withdrawn from a class, however, if you do not meet the attendance policy.

Satisfactory Academic Progress

The Department of Education requires a student who is receiving federal financial aid to be making satisfactory academic progress. Satisfactory academic progress is measured both by a student’s cumulative grade point average (CGPA) and by the successful completion of a certain percentage of coursework attempted. Successful completion means credits earned by receiving a grade above F.  Satisfactory progress will be checked at the end of each semester.

Cumulative Grade Point Average (CGPA) Requirement

The CGPA requirement takes into account only courses attempted at SLCC (not transfer credits).

  • After one semester: must have a cumulative 1.75 or better CGPA
  • After two semesters: must have a cumulative 1.85 or better CGPA
  • After three semesters: must have a cumulative 1.95 or better CGPA
  • After four semesters: must have a cumulative 2.0 or better CGPA

A student whose CGPA fails to meet the minimum standards noted above will be placed on one semester of financial aid warning. Failure to bring the CGPA up to the required minimum shown above by the end of the probationary semester will result in financial aid probation (no further financial aid can be received until the CGPA again reaches the required level). 

Example: John Q. finishes his first semester with a 1.3 CGPA. He is placed on one semester of financial aid warning and can continue to receive financial aid at for the next semester. At the end of his next semester, if his CGPA is not 1.85, he will be placed on financial aid probation and cannot receive further financial aid. He can appeal this probation (see note below).

Completion Requirement

The student is also expected to make quantitative academic progress towards the completion of his/her degree. The quantitative measure of academic progress consists of two parts. The total hours attempted may be no greater than 150% of the total hours required by the degree program in which the student is enrolled. Transfer credits accepted towards the student’s degree program will count toward this maximum. A change of major does not extend the number of credit hours that may be attempted. The second part involves the completion of at least 67% of the courses attempted.  If less than 67% of the courses attempted have been completed, the student will be placed on one semester of financial aid warning. Two consecutive semesters of less than 67% completion will result in loss of financial aid. Transfer hours accepted for credit will be counted in this percentage.  Withdrawals affect the completion rate only if a “W” appears on the student’s transcript.  If a course is dropped before ever beginning attendance, the course is removed from the student’s record and no “W” appears.

Example: John Q., who has no transfer credits, withdraws from one course in the semester after attending the first two sessions; he completes the other three courses but receives an F in one of them. His completion rate is 50%. He is placed on one semester of financial aid warning. If his completion rate continues to be below 67% after a second semester, he lose his financial aid and cannot continue to receive financial aid (unless he successfully appeals; see note below).

Students may repeat a previously passed course one time only and maintain financial aid eligibility for that course repeat.  Students may retake failed courses as many times as necessary in order to receive a passing grade and still receive financial aid for the repeated courses; however, the failed courses will still affect the student’s completion rate. Although academic bankruptcy (see the school catalog) may be granted to improve a student’s cumulative GPA, it will not discount courses attempted in determining the CGPA or completion rate for financial aid academic progress purposes.

Appeals

A student who loses his financial aid but who feels he or she has circumstances which warrant an exemption to this policy should request an appeal form from the Financial Aid Office or the Dean of Student’s Office and submit the completed form to the Academic Dean. Reasons for acceptable appeal may be (1) serious illness or accident to the student, (2) death or serious illness in the immediate family, (3) other extenuating circumstances. The letter of appeal must include a statement as to (1) why the student failed to make satisfactory academic progress, and (2) what has changed that will allow the student to make satisfactory academic progress at the next evaluation. If the appeal is granted, the student will be notified in writing of the decision, will be on probation for one semester, and must complete the requirements set by the committee in order to continue receiving aid past the probationary semester.

Disbursement Policy

If you are enrolled for an entire academic year (2 semesters, 6 modules), your Pell Grant and loan will be divided into six equal disbursements. If you plan to be enrolled for less than three consecutive terms, your disbursements will equal the number of the anticipated modules. If you are a first-time student, see the note below regarding a 30-day disbursement delay.

If you have financial aid that exceeds a term’s institutional charges, you will receive a refund. However, the refund will not be forthcoming until you show a credit balance on your account. Your total institutional charges for a term must be satisfied before you can receive a refund. To calculate when you might expect a refund, subtract your Pell Grant and the appropriate portion of your student loan from your charges; if a negative number results, you will receive a refund during Module 1. If a positive number results, you will not receive a refund until the beginning of Module 2 or Module 3, depending on when there is a negative number.

30-DAY DISBURSEMENT DELAY

For all new students, the first loan disbursement will be subject to a 30-day disbursement delay.  This occurs only during your first term of enrollment.

Consumer Information

1. Financial aid available, how to apply – Catalog, pages 124-126 (The SLCC Catalog can be accessed here.

2. How eligibility is determined; how and when aid is disbursed – Financial Aid Information brochure; cover letter to  award letter

3. Names of associations that accredit the school – Catalog, p. 10

4. Cost of attendance – Website

5. Procedures for withdrawal – Catalog, p. 112

6. Institution’s refund policy – Catalog, pp. 126-127

7. Degree programs offered – Catalog, pp. 25-75

8. List of faculty/personnel – Catalog, pp. 130-134

9. Facilities (and facilities for disabled students) – Catalog

10. Code of conduct – College website under Financial Aid.

11. Security policies and procedures – college website –  Academics/ Campus Security; Fire Safety Report: https://ope.ed.gov/security

12. Campus crime statistics – https://ope.ed.gov/security

13. Prevention of drug and alcohol abuse – Catalog

14. Leave of absence policy – SLCC does not allow leaves of absence.  The policy on incomplete grades is in the College Catalog.

15. Student diversity, completion and graduation rates – website under “Consumer Information”; also https://nces.ed.gov/collegenavigator.

16. Satisfactory academic progress – Catalog, pp. 128

17. Equity in Athletics Report  – https://ope.ed.govathletics

18. FERPA – Catalog, pp. 118-119

19. Transfer of credits policy – Catalog

20. Textbook  prices  – College website, “Bookstore”

21.  Drug Violations – statement on Financial Aid Award Letter.

22. Net Price Calculator – college website

23.  Copyright infringement regulations – Library patrons handbook; College website, “”Academics/Library Resources.”

24.  Financial Aid for Study Abroad Programs – If SLCC contracts with a study abroad program, students may be eligible for financial aid.

25.  Gainful employment programs – SLCC has no gainful employment programs.  The certificate program is not eligible for financial aid.

26. Diversity, completion and graduation rates – College website, “Academics/Consumer Information”

Refunds and Returns of Title IV Funds Policy

Institutional Refund Policy

Every student who completes the enrollment process is indebted for the total semester’s tuition, fees, room, and board (if applicable). However, those students who withdraw from college before attending the first day of class will have their student accounts credited by the policy stated below. This may result in a refund. To receive any refund for room and board, the student must withdraw from college prior to attending the first day of class (e.g., moving off campus in the middle of the semester is not grounds for a refund). There are no exceptions to this policy even if withdrawal is deemed by the student to be for reasons outside of his or her control. Students must begin the official withdrawal process at the Registrar’s Office by picking up an official form and securing written approval from the student’s advisor and the student’s instructor(s) of the course(s) from which the student is withdrawing. The student completes the official withdrawal process by returning the completed form to the Registrar and securing the Registrar’s signature. The withdrawal does not become official until the Registrar signs the form.

The withdrawal date will be the day the Registrar receives and signs the completed official form from the student, or in the case of an unofficial withdrawal, the date of the student’s last class attendance. This date will be used to determine the amount of the refund of tuition according to the following schedules:

Traditional Program Refunds
100% if withdrawal occurs on or before the first day of class
75% if withdrawal occurs on or before completion of the first week of class
50% if withdrawal occurs on or before completion of the second week of class
0% if withdrawal occurs after completion of the second week of class
Evening Program Refunds
For 8-week classes
100% if withdrawal occurs on or before the first day of class
75% if withdrawal occurs before the second regularly scheduled class
50% if withdrawal occurs before the third regularly scheduled class
0% if withdrawal occurs after completion of the third regularly scheduled class
For 5-week classes
100% if withdrawal occurs on or before the first day of class
50% if withdrawal occurs before the second regularly scheduled class
0% if withdrawal occurs after the completion of the second regularly scheduled class

Return of Title IV Funds Policy

The law specifies how your school must determine the amount of Title IV program assistance that you can earn if you withdraw from school. The Title IV programs covered by this law include Federal Pell Grants, SEOG Grants, Federal Stafford Loans, and Federal PLUS Loans.

When you withdraw during your payment period, the amount of Title IV program assistance that you have earned up to that point is determined by a specific formula. If you received (or your school or parent received on your behalf) less assistance than the amount you earned, you may be able to receive those additional funds. If you received more assistance than you earned, the excess funds must be returned by the school and/or you.

The amount of assistance that you have earned is determined on a prorated basis. For example, if you completed 30% of your payment period of enrollment, you earn 30% of the assistance you were originally scheduled to receive. Once you have completed more than 60% of the payment period, you earn all the assistance that you were scheduled to receive for that period.

If you did not receive all of the funds that you earned, you may be due a post-withdrawal disbursement. If your post-withdrawal disbursement includes loan funds, your school must get your permission before it can disburse them. You may choose to decline some or all of the loan funds so that you don’t incur additional debt. Your school may automatically use all or a portion of your post-withdrawal disbursement of grant funds for tuition, fees, and room and board charges (as contracted with the school). The school needs your permission to use the post-withdrawal grant disbursement for all other school charges. If you do not give your permission (some schools ask for this when you enroll), you will be offered the funds. However, it may be in your best interest to allow the school to keep the funds to reduce your debt at the school.

There are some federal financial aid funds that you were scheduled to receive that cannot be disbursed to you once you withdraw because of other eligibility requirements. For example, if you are a first-time, first-year undergraduate student and you have not completed the first 30 days of your program before you withdraw, you will not receive any FFEL loan funds that you would have received had you remained enrolled past the 30th day.

If you receive (or your school or parent receives on your behalf) excess Title IV program funds that must be returned, your school must return a portion of the excess equal to the lesser of:

  1. your institutional charges multiplied by the unearned percentage of your funds, or
  2. the entire amount of excess funds.

The school must return this amount even if it didn’t keep this amount of your Title IV program funds.

If your school is not required to return all of the excess funds, you must return the remaining amount. Any loan funds that you must return, you (or your parent for a PLUS Loan) must repay in accordance with the terms of the promissory note. That is, you make scheduled payments to the holder of the loan over a period of time.

Any amount of unearned grant funds that you must return is called an overpayment. The maximum amount of a grant overpayment that you must repay is half of the grant funds you received or were scheduled to receive. You must make arrangements with your school or the Department of Education to return the unearned grant funds.

The requirements for Title IV program funds when you withdraw are separate from any refund policy that your school may have. Therefore, you may still owe funds to the school to cover unpaid institutional charges. Your school may also charge you for any Title IV program funds that the school was required to return.

Withdrawal date for Title IV purposes is defined as the student’s last day of attendance in a class.

Refund Policy for Dismissal

When a student is dismissed from the college, the student will still owe the college for any unpaid tuition, room, board, and fees that were charged to his account.

Appeal Process

Students and/or parents who feel individual financial circumstances warrant exceptions from published policy may make a written appeal to the Chief Financial Officer, 1360 Grandview Drive, Florissant, MO 63033.

Satisfactory Academic Progress

Students must be making satisfactory academic progress to receive federal financial aid any SLCC tuition scholarship. A student whose cumulative grade point average or completion rate fails to meet the minimum standards will be placed on one semester of financial aid probation. Failure to bring the cumulative grade point average up to the required minimum after the probationary semester will result in financial aid suspension.

The standards of satisfactory academic progress are as follows:

Federal Financial Aid

The Department of Education requires a student who is receiving federal financial aid to be making satisfactory academic progress. Satisfactory academic progress is measured both by a student’s cumulative grade point average (CGPA) and by the successful completion of a certain percentage of coursework attempted. Successful completion means credits earned by receiving one of the following grades: A,B,C,D. Satisfactory progress will be measured at the end of each semester. The CGPA requirement takes into account only courses attempted at SLCC (not transfer hours).

  • 1.75 CGPA after first semester
  • 1.85 CGPA after second semester
  • 1.95 CGPA after third semester
  • 2.0 CGPA after fourth semester

A student whose CGPA fails to meet the minimum standards noted above will be placed on one semester of financial aid probation – a warning status. During this warning semester financial aid can be received. Failure to bring the CGPA up to the required minimum by the end of the warning semester will result in financial aid suspension. Students on financial aid suspension cannot continue to receive federal financial aid until the requisite CGPA is attained.

The student is also expected to make quantitative academic progress toward the completion of his/her degree. The quantitative measure of academic progress consists of two parts. The total hours attempted may be no greater than 150% of the total hours required for the degree program in which the student is enrolled. Transfer credits accepted toward the student’s degree program will be counted toward this maximum. A change of major does not extend the number of credit hours that may be attempted. In addition, the student must successfully complete at least 67% of the hours attempted (this is a cumulative measurement). A student who fails to meet this requirement will be placed on one semester of financial aid probation/warning. Failure to meet the 67% requirement by the end of the probationary semester will result in financial aid suspension.

Withdrawals from a class before the class has begun or during the drop/add period of the day program will not affect the completion rate. All other withdrawals and grades of “F” will affect the completion rate. Although academic bankruptcy may be granted to improve a student’s CGPA, it will not discount courses attempted in determining the completion rate for financial aid purposes.

Appeals

A student who has been placed on financial aid suspension who feels he or she has circumstances which warrant an exception to this policy should submit a letter of appeal to the Financial Aid Office addressed to the Enrollment Management Team (EMT). Reasons for acceptable appeal are: Serious illness or accident of the student; death or serious illness in the immediate family; other extenuating circumstances may be acceptable and will be considered.

If the appeal is accepted, the student will be notified in writing of the decision. If the appeal is granted, the student will be on probation for one semester and must complete the requirements set by the committee to continue receiving aid past the probationary semester.

Please Note: Before withdrawing from classes after the drop/add period, students should contact the financial aid office to determine the effect on financial aid.

Institutional Scholarships

Contact the Admissions department for information on specific criteria for full-tuition and half-tuition scholarships.

St. Louis Christian College awards a number of scholarships to qualified students. These scholarships are both endowed and institutionally funded awards. Criteria varies depending upon the particular scholarship. The full value of the scholarship will be split equally between the fall and the spring semester. Students attending on the the fall or spring semester will only receive the half value of the scholarship.

2019-2020 Scholarships/Grants for All Full-time Traditional Day Students

CGPA (cumulative HS then cumulative college after 1st yr) Campus Residents (per year) Commuters (per year)
3.5-4.0 $8,000 $6,000
3.0-3.49 $7,000 $5,000
2.5-2.99 $6,000 $4,000
2.0-2.49 $5,000 $3,000

 

We guarantee scholarships or grants to all full-time traditional day students who complete a FASFA and have a GPA above 2.0. We will grant scholarships or grants based on cumulative GPA. Areas shaded in gray are scholarships, non-shaded areas on the table are grants. Cumulative college GPA will be recalculated each year.

2019-2020 Adult Evening Program: Academic Merit Scholarship

CGPA (cumulative college after 1st semester then cumulative college after 1st yr) Amount per year
3.76 – 4.0 $5,000
3.51  – 3.75 $2,500
3.26 – 3.50 $2,000
3.01 – 3.25 $1,500
2.76 – 3.00 $1,000
2.51 – 2.75 $750
2.00 – 2.50 $500

 

Our Adult Evening Program consists of 5 week and 8 week classes held one evening each week. We guarantee scholarships to all full-time Adult Evening Program students who complete a FASFA and have a GPA above 2.0 after their first semester. We will grant scholarships based on cumulative GPA. Cumulative college GPA will be recalculated each academic year.

NexGen+ Leadership Program

St. Louis Christian College sees the value in rewarding students for their achievements. For this reason, we are implementing the NexGen+ Leadership Program. Qualified students have the opportunity to receive 2 years of paid tuition. SLCC will cover the full tuition cost of each semester after any Pell Grants have been applied.

Qualifications:

  • U.S. Citizen
  • Minimum 2.5 GPA
  • First Time College Student
  • ACT score of 18 or SAT equivalent
  • Must be a full-time student living on campus
  • 50 unpaid hours of tutoring and/or mentoring
  • Must have graduated from high school in the past two years
  • Must have had 95% attendance through four years of high school

To see if you meet additional qualifications, call Admissions at 314-837-6777 x8110 or apply for FREE today!

 

Non-Institutional Scholarships

Church Scholarships

Many churches will offer scholarships to their members who are attending a Bible college. Talk to your church leadership about this possibility.

Alexander Christian Foundation

For high school graduates from IndianaFlorida, and other various states. See corresponding websites for more information.

WMU Foundation

Various scholarships and grants, including those specifically for missionary children. For more information, visit the website.

The Goodart Foundation

This foundation encourages students to prepare themselves for a lifetime of Christian service by attending a Bible College.  Contact Mr. Paul Goodart at (407) 396-6493 for additional information about the guidelines for tuition support.

The Foundation for College Christian Leaders

See website for details.

Goedeker’s Appliances Annual College Book Scholarship

One $500 scholarship, two $100 scholarships. For more information, visit the website.

ESA Foundation Scholarship Program

$3,000 to high school seniors or current college students. For more information, visit the website.

Scholarship Search Websites: