Office of Student Financial Aid

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Financial Aid Guide 2014-2015

A Guide to Financial Aid at San Francisco State University



Table of Contents

Understanding Your Financial Aid Award Offer

Types of Financial Aid and Eligibility Requirements

Federal Direct Student Loan Program (FDSL)

Parents PLUS LOAN


GRAD PLUS LOAN


FEDERAL STUDENT LOAN CHART


Employment

Gater Registration


Students Right To Know - Higher Education Opportunity Act Disclosure


Financial Aid Check Disbursement

Return of Federal Financial Aid Funds Due to Withdrawal

Maintaining Your Financial Aid Eligibility

Address and Office Hours for the SF State Office of Student Financial Aid



Understanding Your Financial Aid Award Offer


Understanding Your Financial Aid Award Offer:

View and Accept your Financial Aid Award Offer on line by the specified "Response" date

  1. If you accept a Federal Direct Loan, you must complete all the action requirements (Master promissory note and Loan entrance counseling).

  2. Federal Perkins Loans Information and Promissory Note are online at www.ecsi.net

  3. Federal Work-Study Annual Award limit is $4,000 for all grade levels.

Financial Aid Award Offer Assumptions:

Your Financial Aid AWard Offer is for the current academic year and cannot be used to pay prior academic year outstanding charges in excess of $200. Your financial aid award is based on the most current information available regarding your class level, enrollment status, and fund regulations and availability. Be aware that award amounts and programs are subject to change due to change in your enrollment, your housing plans, Federal, State and University funding limitations, and changes in law, policy or University procedures.


Resources - Student/Parent Contributions:

The Student and/or Parent Contribution represents the amount that you (and your parents, if you are considered dependent) are expected to contribute towards your educational expenses during the academic year through income, savings, and/or loans. This figure was calculated using the previous yearincome and assets reported on your FAFSA (Free Application for Federal Student Aid), or renewal FAFSA,and your/your parent's previous income tax returns (if requested). Factors considered in determining student/parent contribution are income, net assets, family size, age and the number of family members in college (excluding parents). Your home, or your parents' home, if it is your principal place of residence, is not included in the calculation. Unreported changes in circumstances or resources could result in cancellation and/or repayment of financial aid you may have already received.


Accepting Loans and/or Work-Study on your Financial Aid Offer

*** Read this section carefully ***


Student can Accept, Reduce, or Decline each award we offer

You may accept all, a portion, or none of any loan and/or Work-Study awarded you.

Federal Direct Student Loan (FDSL) -- Subsidized and Unsubsidized -- You may be able to increase the amount of FDSL subsidized and/or unsubsidized by the amount of Work-Study you decline. Contact our financial aid counselor for the change

PLUS Loan --

PLUS loans are only for parents of a dependent undergraduate student. The amount indicated on your award Offer is the maximum amount your parents may borrow under this loan program. Before making a decision about the loan, your parents should carefully read the information provided on the separate Federal Parent Loan Program (PLUS) information sheet. A credit check and a separateloan application are required.

GRAD PLUS Loan --

GRAD PLUS loans are for master's and doctorate degree candidates. The amount indicated on your award Offer is the maximum amount you may borrow under this loan program. Before making a decision about the loan, you should carefully read the information provided on the separate Federal Graduate PLUS Loan Program (PLUS) information sheet. A credit check and a separate loan application are required.

Federal Work-Study --

A Work-Study award is an amount you can earn, not an amount you are guaranteed to receive. For more information regarding Work-Study Employment. You may increase your accepted amount of Work-Study, up to a maximum of $4,000, by declining all or a portion of the Perkins Loan and/or subsidized Federal Direct Student Loan awarded to you. An unsubsidized Federal Direct Student Loan cannot be converted into a Work-Study award. If you have not been awarded Work-Study but wish to be considered for a Work-Study award, please speak with a financial aid counselor.

Types of Financial Aid and Eligibility Requirements


GRANTS

Awards you do not have to repay unless you withdraw or are over-awarded


Federal Pell Grant Gift aid for undergraduate and teacher credential students with exceptional need, with awards ranging from $400 to $5,550 per academic year. Enrollment requirement: full award = 12 units, 3/4 award = 9 - 11 units, half award = 6 - 8 units. Less-than-half time 1-5 units for undergraduates only. Amount of award is prorated depending upon enrollment.


Federal Supplemental Educational Opportunity Grant (SEOG) Gift aid for undergraduate students with exceptional need, with awards rangingfrom $200 to $700 per academic year.
Minimum Enrollment Requirement: 12 units.








State University Grant (SUG) Gift aid for undergraduate, credential and classified graduate California residents, paying resident tuition and Registration fees.

Enrollment requirement:
full award = 7 units or more,
half award = 6 units for undergraduates,
4 - 6 units for graduates.
Students with a fee subsidy/waiver are ineligible for this grant.

Educational Opportunity Program Grant (EOP) Gift aid for undergraduate students admitted to SF State through the EOP program, up to $1,000 per academic year.
Enrollment requirement is full-time = 12 units.





Cal Grant Award Authorization If your Financial Aid Offer lists Cal Grant A or Cal Grant B, the OSFA must receive authorization from the California Student Aid Commission (CSAC) before we can disburse your grant.
For more information on how to apply for Cal grant
.

Cal Grant A Gift aid for undergraduate California residents. Awards assist low-and middle-income students with tuition and registration fee cost. Awarded by the California Student Aid Commission, based on financial need and grade point average. Pays partial tuition and registration fees only.
Students awarded a Cal Grant A cannot receive a State University Grant since both grant programs are applied to tuition and registration fees.
Enrollment requirement:
full award = 12 units,
3/4 award = 9-11 units,
half award = 6-8 units.



Cal Grant B Gift aid for undergraduate California residents who are primarily from disadvantaged and low-income families. Awarded by the California Student Aid Commission, grant pays a subsistence stipend for the first year (estimated $1,551), and partial tuition and registration fees plus a stipend in subsequent years.
Enrollment requirement:
full award = 12 units,
3/4 award = 9-11 units,
half award = 6-8 units.



TEACH Grant The Federal TEACH Grant for students in a graduate teaching credential / master's program who plan to teach in high-need fields at low-income schools.

TEACH Grant Program provides grants of up to $4,000 per year to students who intend to teach in a public or private elementary or secondary school that serves students from low-income families.

Conditions

In exchange for receiving a TEACH Grant, recipient must agree to serve as a full-time teacher in a high-need field in a public or private elementary or secondary school that serves low-income students. Recipient of a TEACH Grant must teach for at least four academic years within eight calendar years of completing the credential / master's degree.
IMPORTANT: If the recipient fails to complete this service obligation, all amounts of TEACH Grants received are converted to a Federal Direct Unsubsidized Student Loan. This loan must be repaid to the U.S. Department of Education. Interest is charged from the date the grant(s) was disbursed. Note: TEACH Grant recipients will be given a 6-month grace period prior to entering repayment if a TEACH Grant is converted to a Direct Unsubsidized Loan.

Student Eligibility Requirements:

To receive a TEACH Grant student must meet the following criteria:

  • Complete the Free Application for Federal Student Aid (FAFSA), although does not have to demonstrate financial need.
  • Be a U.S. citizen or eligible non-citizen.
  • Be enrolled as a graduate student in the elementary, secondary, or special education teaching credential program.
  • Be enrolled in course work that is necessary to begin a career in teaching or plan to complete such course work. Such course work may include subject area courses (e.g., math courses for a student who intends to be a math teacher).
  • Meet certain academic achievement requirements (generally, scoring above the 75th percentile on a college admissions test or maintaining a cumulative GPA of at least 3.25).
  • Sign a TEACH Grant Agreement to Serve High-Need Field.

    High-need fields are the specific areas identified below:
  • Bilingual Education and English Language Acquisition.
  • Foreign Language.
  • Mathematics.
  • Reading Specialist.
  • Science.
  • Special Education.






SCHOLARSHIPS / FELLOWSHIPS / STIPENDS
Awards you do not have to repay unless you withdraw or are over-awarded




Scholarships



Gift aid, based on financial need and/or merit. Scholarship funds come from University funds or outside donors. A scholarship becomes part of a financial aid package and may reduce a student's eligibility for student loans and/or Work-Study.
Minimum enrollment requirements vary but are generally at least half-time
(6 units for undergraduates
and 4 units for graduates).
Our office encourage students to research the availability of all scholarships. Scholarship books are available online, at the OSFA and in the reference section of the SF State library.
The OSFA Scholarship Web Page also has links to free scholarship services.
Middle Class Scholarship - New for 2014-2015 - provides a scholarship to undergraduate students with a family annual income of up to $150,000.

- The student must be enrolled at a California State University or University of California
- and be a CA resident or eiligible AB 540 student.
- The student must file a FAFSA or California Dream Application by the March 2 deadline.

For more complete information on the program and eligibility requirements- visit www.csac.ca.gov/mcs.asp
Graduate Equity Fellowship



Scholarship aid for classifiedgraduate students who are California residents and who are underrepresented in their graduate program. Disabled students are encouraged to apply as well as women pursuing a master's degree in Business or the Sciences. Eligibility for this fellowship is based onfinancial need and academic achievement, professional or community service and achievements.


Stipends Funds awarded to students by academic departments.Stipends, unless treated as employment, become a resource for calculations of financial aideligibility.
The fellowship, or stipend cannot exceed the cost of attendance at SF State. This includes the Gaann and Javits Fellowships.

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WORK-STUDY
Award that you must earn
Federal Work-Study Program A work-study award provides an opportunity for a part-time job allowing you to earn up to the amount indicated on the Financial Aid Offer. A work-study award is an amount you can earn, not an amount you are guaranteed to receive. You may increase your accepted amount of Work Study, up to a maximum of $4,000, bydeclining all or a portion of the Federal Perkins Loan and/or Subsidized Federal Direct Student Loan awarded to you. An Unsubsidized Federal Direct Loan cannot be converted into a Work-Study award. If you have not been awarded Work Study but wish to be considered for Work-Study award, please speak with a financial aid counselor. You must be enrolled full-time at SF State to be employed in a Work-Study position (undergraduates=12 units; graduates=8 units).For more information regarding Work-Study Employment. See the Employment section for detailed information about Work-Study and Student Assistant Employment.
LOANS
LOANSAwards that must be repaid
Federal Perkins Loan Federal student loan at 5% interest is offered to eligible undergraduate, second baccalaureate and credential students. Enrollment requirement is full-time: 12 units for undergraduate and second baccalaureate students; 12 units forcredential students.

Students who are first-time Perkins Loan borrowers

Students have Perkins Loan for the first time at SF State are required to complete Entrance Loan Counseling, Perkins Promissory Note and Perkins Loan Data sheet online at www.ecsi.net

Repayment to SF State begins 9 months after a student is no longer enrolled at least half-time. If a Perkins Loan is declined, it may be possible to increase a Work-Study award.

Federal Direct Student Loan Federal Direct Student Loan has two components: Subsidized and Unsubsidized. More information to apply for Federal Direct Loan
Federal Parent Loans(PLUS) A PLUS Loan is available so parents may borrow to help meet college costs for their son or daughter. PLUS Loans are only for parents of a dependent undergraduate student. More information on how to apply for PLUS LOAN and choosing the Lender
CLASS LEVEL-UNCLASSIFIED GRADUATE

Not eligible for financial aid including student loans
Unclassified Graduate students Not eligible for any type of financial aid including student loans. You must be accepted into a MA or MS program to receive any financial aid.
CLASS LEVEL- 2ND BA, COLLEGE OF EXTENDED LEARNING (CEL), TEACHING CREDENTIAL
Financial Aid Award limits
Second BaccalaureateIf eligible you may be considered for Federal Work-Study and/or student loans.
College of Extended Learning Students who have not earned a Baccalaureatedegree and are enrolled in a certificate program may be considered for the Federal Pell Grant and Federal Student Direct Loan only.
Teaching Credential Eligible students enrolled in a post-baccalaureate teacher credential program not leading to a graduate degree may be considered for a Federal Pell Grant in addition to the State University Grant, and/or student loans.

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Employment

There are two part-time student employment programs available at SF State: Federal Work-Study and Student Assistant. Both offer part-time work that you can usually arrange around your classschedule and provide paychecks that you use to help pay for your educational expenses. Work-Studyjobs are located on-campus and off-campus at public and non-profit agencies with whom the University has a contract. Student Assistant jobs are on-campus positions only.

Federal Work-Study Program

Work-study is a Federal financial aid employment program that helps students finance theireducation via part-time jobs. Most students looking for Work-Study employment are able to findjobs, but the Work-Study award is not a guarantee that you will find a job nor that you will earn the entire amount on your award offer. You may earn up to, but not more than, the total Work-Study award on your Award Offer. Your total earnings are dependent upon the number of hours you work and your hourly pay rate. You must be enrolled full-time at SF State to be employed in a Work-Studyposition (12 units - undergraduates, 8 units - graduates).

A Work-Study award on your award offer
is NOT a cashaward - after you find employment and begin working
you will receive a Work-Study paycheck.

The primary advantage to having a Work-Study job is that although Work-Study earnings are taxable, they are not included as income when you apply for financial aid in future years. Additionally, you can apply at the OSFA to create an off-campus Work-Study job performing community service and/or work that are related to your major or career interests (Student Initiated OptionProgram - "SIO").

Work-Study students also are eligible to be employed through the Student Assistant program, but you cannot use your Work-Study award eligibility when employed as a Student Assistant.

A group of people.

Student Assistant Program

The Student Assistant program is not a financial aid program. It is funded by the State and provides part-time, on-campus positions available to students who are enrolled at least half-time at SF State(6 units - undergraduates, 4 units - graduates). Student Assistant employment is similar to Work-Study except that Student Assistant earnings will be included as income if you apply for financial aid in future years. Also, Student Assistant employees are not eligible to work as Work-Study employees unless they have applied for financial aid and have received a Work-Study award on their Financial award offer.

Employment Eligibility Verification (EEV)

Before you can begin working, Work-Study and Student Assistant applicants must have their eligibility verified by the OSFA. After you provide verification that you are eligible to workin the United States (original Social Security card, U.S. Passport or birth certificate, or Alien Registration card) the Financial Aid staff will issue you an eligibility document for you to give to your employer.

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Job Postings

Available Work-Study and Student Assistant jobs are posted on the SF State Career Center's web site. Go to Jobtrak at www.sfsu.edu/~career/gatorjobs/gatorjobs.htm and follow instructions on each page. You will then have access to all Work-Study and Student Assistant jobs. For more information about Jobtrak, please contact the Career Center SS 206, (415) 338-1761 for assistance.

Most student employees work between 5 and 20 hours per week. Pay rates vary between $8.50 and $14.81 per hour. You complete income tax withholding and payroll forms with your employer and you receive your monthly paycheck directly from your employer.

Man and woman shaking hands with another man present


Gator Registration

Deferment of Tuition and Registration Fees


Students who have been awarded financial aid by
the SF State Office of Student Financial Aid
will automatically receive a fee deferment so that they can take advantage of registration through Gator Registration.

Financial Aid Deferments:


A financial aid fee deferment postpones payment of your tuition and registration fees. This means that you do not have to pay your tuition and registration fees before using Gator Registration. If the Office of Student Financial Aid has given you a fee derferment, enroll in classes by following the Gator Registration Procedures. Once you are enrolled in the minimum number of units required, your tuition and registration fees will be deducted automatically from your financial aid at the time of disbursement.

  • If you are found to be ineligible for Financial Aid after you have enrolled in classes, you must pay your fees by the published fee payment deadline.

  • If the fee payment deadline has passed, your fees are to be paid before the first day of the semester to avoid a being assessed a non-refundable administration fee of $20.

  • If your Financial Aid is not sufficient to pay your tuition and registration fees in full, you will be responsible for paying the balance before the first day of the semester. Payments received after the first day of the semester will be assessed a non-refundable administrative fee of $20.

  • If your financial aid does not disburse by the fourth week of the semester for any reason, a $20 non-refundable administrative fee will be assessed.

  • If after registering through Gator Registration, you decide not to attend SF State for the semester, you must officially withdraw from all registered classes before the first day of the semester through Gator Registration or in person to get 100% refund less a non-refundable administrative of $20 (See Refund Guideline under the Title IV Return of Federal Financial Aid Fund Due to Withdrawal). You are responsible for the tuition and registration payments UNLESS you officially withdraw from the University prior to the 1st day of semester. Withdrawals after the 1st day of the semester will be subject to a pro-rata calculation of tuition and registration fees and you are responsible for payment. See the Bursar's web site for more information. Consult with a financial aid counselor before you withdraw from the University. If you do not officially withdraw, you will still have to pay your tuition and registration fees and you will receive failing grades in all registered classes.

  • Warning: see the financial aid refund and repayment policies for students who withdraw from classes.


Tuition and Registration Fee Payment

Financial aid funds, including FDSLs, are disbursed each semester and are credited directly to cover tuition and registration fees and/or other outstanding obligations to the University (i.e. Short-term Loan, On-Campus Housing Payments). If your financial aid is not sufficient to cover your tuition and registration fees and/or other financial obligations, you will have to pay the balance owed before the first day of the semester. Payments received after the first day of the semester will be assessed a non-refundable administrative fee of $20.


View Current SF STATE Tuition and Registration Fees
for California Residents


Fees are subject to change

Please contact or call the Bursar's Office at 415/338-1281.

Fee Waivers/Subsidies:

If another agency (US or Foreign) such as: Veterans Administration, Dept. of Rehabilitation, Social Security Office, etc. or Scholarship organization will pay your tuition and registration fees or reimburse you for tuition and/or books, you must submit agency/donor verification to the Bursar's Office and the OSFA. If an unauthorized letter covering your tuition and registration fees is not on file in the Bursar's Office, submit a copy of the letter to ensure your eligibility to register through Gator Registration.The letter must include your name, student I.D. number, the total amount of the subsidy, and the name and addressof the contact person at the agency. The Bursar's Office will provide you with a fee deferment and the OSFA will make any necessary adjustments to your financial aid. You are ineligible to receive a StateUniversity Grant, a Cal Grant A or a portion of your Cal Grant B. These grants are specifically to pay your tuition registration fees. If one of these grants has already been disbursed to you, you will be required to repay to SF State the amount of grant you received.

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Debts Owed to the Institution/University Obligation Hold

The Bursar's Office at San Francisco State University may place a financial aid hold on your Gator Registrationdue to outstanding financial aid obligations to the University. Should a student or former student fail to pay a debt owedto the institution, the institution may "withhold permission to register; to use facilities for which a tuition and registration fee is authorized to be charged; to receive services, materials, food, or merchandise, or any combination of the above from any person owing a debt until the debt is paid." (See Title 5, California Code of Regulations, Section 42380 and 42381).For example, the institution may withhold permission to receive official transcripts of grades from any person owing a debt. If a student believes that he or she does not owe all or part of an unpaid obligation, the student should contact the campus Bursar's Office. The Bursar's Office, or another office on campus which student may be referred to by the Bursar's Office, will review the pertiment information, including information that the student may wish to present, and will advise the student of its conclusions with respect to the debt.

Students will be responsible for any legal costs incurred in collecting any unpaid tuition/fees and other miscellaneous university fees. Any amount owed may be reported to the Franchise Tax Board to offset tax refunds and/or from any state lottery winnings. Call the Bursar's Office at 415-338-1281 regarding a financial obligation hold.




Students Right To Know - Higher Education Opportunity Act Disclosure

The Higher Education Opportunity Act required disclosures of the HEOA that was enacted on August 14, 2008 and reauthorizes the Higher Education Act of 1965. Included provisions that campus participating in Title IV programs publish the California State University Student Lending - Code of Conduct which describes prohibited practices related to loan programs.


Notice of Financial Aid Penalties for Drug Law Violations

Students convicted of possession or sale of drugs, a federal or state drug conviction can disqualify a student from receiving financial aid. Convictions only count if they were for an offense that occurred during a period of enrollment for which the student was receiving Title IV aid; they do not count if the offense was not during such a period. Also, a conviction that was reserved, set aside, or removed from the student's record does not count, nor does one received when they were a juvenile, unless they were tried as an adult.
The chart below illustrates the period of ineligibility for financial aid, depending on whether the conviction was for sale or possession and whether the student previous offenses. (A conviction for sale of drugs includes convictions for conspiring to sell drugs.)




The chart below illustrates the Period
of ineligibility for Financial Aid
  Possession of illegal drugs Sale of illegal drugs
1st offense 1 year from date of conviction 2 years from date of conviction
2nd offense 2 years from date of conviction Indefinite period
3+ offenses Indefinite period

If student was convicted of both possessing and selling illegal drugs, and the periods of ineligibility are different, the student will be ineligible for the longer period.

Withdrawing from all classes:

If, after registering through Gator Registration, you decide not to attend SF State for the semester, you must officially withdraw from all registered classes. You are responsible for the fees and/or tuition payments UNLESS you officially withdraw from the university prior to the 1st day of semester. Withdrawals after the 1st day of the semester will be subject to pro-rata calculation of tuition and registration fees and you are responsible for payments. See the Bursar's web site for more information. Consult with a financial aid counselor before you withdraw from the University. If you do not officially withdraw, you will still have to pay your tuition and registration fees and you will receive failing grades in all registered classes.

  • Warning: see the financial aid refund and repayment policies for students who withdraw from classes.



    Financial Aid Check Disbursement

    Requirements to Receive Your Financial Aid Funds


    • Accept your Financial Aid Award Offer online by the specified date.

    • Provide all documents and complete all actions required (promissory notes, entrance counseling).

    • Meet satisfactory academic progress requirements for financial aid.

    • Resolve all financial aid holds. You can check our financial aid portal online to view what holds you have and how to resolve them; respond promptly to any OSFA correspondence about holds.

    • Enroll in at least the minimum units required for the types of financial aid youhave been awarded. Being on a waiting list for a class does not constitute enrollment.

    • Stay enrolled. Students who drop units and are enrolled in less than the minimum requirement at the end of the ADD/DROP period will be put into repayment for a portion of their Federal Pell Grant.

    Note: that your financial aid will be canceled if you do not meet all of the disbursement conditions.




    Tuition and Registration Fee Payment

    Financial aid funds, including FDSLs, are disbursed each semester and are credited directly to cover tuition and registration fees and/or other outstanding obligations to the University (i.e. Short-term Loan, On-Campus Housing Payments). If your financial aid is not sufficient to cover your tuition and registration fees and/or other financial obligations, you will have to pay the balance owed at the Bursar's Office by the tuition and registration fee payment deadline (see the Class Schedule). Payments received after the deadline will be assessed a late payment fee.


    Account Statement and Balance Check to Students


    You will be emailed an "Account Statement" with descriptions of financial aid credits. If you have remaining financial aid funds for the semester, you will be disbursed the difference. If you pay all of your university obligations, including tuition and registration fees, in advance by personal check or credit card, your financial aid award in full will be disbursed to you.
    All financial aid checks are mailed to the address on file with the Registrar's Office; checks are not picked up on-campus. It is important for you to keep your mailing address current.



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    Earliest disbursement dates for the current year for all types of financial aid


    The earliest disbursement dates apply to students who register through Gator Registration and meet all disbursement requirements. Otherwise, remaining financial aid checks are mailed twice weekly throughout the semester, approximately 5 to 10 days after all requirements are met.

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    Refund and Repayment Policies

    WARNING: Withdrawing from or
    dropping all of your classes for the
    semester will cause you to be placed in
    immediate repayment for all or some of
    the financial aid you received

    Financial Aid recipients are obligated to remain enrolled and pass a certain number of units. SF State is mandated by the State of California and the Federal government to calculate a refund and a repayment when a student does one of the following:

    • withdraws from all courses for the semester
    • drops out from all courses for the semester
    • takes an unapproved leave of absence
    • fails to return from an approved leave of absence
    • is expelled
    • otherwise fails to complete the period of enrollment for which he/she received financial aid.< /li>

    A refund is the portion of financial aid funds used to pay the student's tuition and registration fees and/or on campus housing that must be returned by SF State to the Student Financial Aid Programs. The refund amount is calculated by the Bursar's office based on the student's withdrawal date. If the student received a FDSL, the refund amount will be applied to the loan to reduce the student's loan indebtedness. Otherwise, the refund will be applied to the other Student Financial Aid Programs from which the student received funds.

    To ensure proper calculation of a refund, a student who intends to withdraw from all classes must file a "Withdrawal From The University Card" with the Registrar's Office and complete a "Withdrawal Record Form" with OSFA. See the current Class Schedule under Refunds for deadlines. Withdrawal from SF State after the fourth week of the semester will result in "W" grades. The Bursar's office will calculate a 25% refund to the Student Financial Aid Programs for withdrawals from the fifth week through the eighth week of the semester.

    Please click here for further explanation of the Return of Federal Financial Aid Funds Due to Withdraw Policy.

    Consequences of Outstanding Repayment Obligation: SF State does not have the authority to waive or write off the repayment requirement, regardless of the reason for the withdrawal, including extenuating circumstances such as illness, accident or grievous personal loss.

    A student who fails to return the unearned Federal Financial Aid funds will be referred to the U. S. Department of Education for collection and the University may withhold permission to register; to use facilities; or render services. Until the repayment is resolved, the student's record will be "flagged" every time a student files a Free Application For Federal Student Aid (FAFSA). A student in repayment is ineligible for financial aid at any other institution in the nation and cannot receive other University services,including but not limited to re-enrollment at SF State, until the repayment obligation has been paid in full.


    Maintaining Your Financial Aid Eligibility

    SF State Satisfactory Academic Progress (SAP) Policy and Requirements  Studying at desk

    Federal and State regulations governing student financial aid programs require the University to ensure that each financial aid recipient maintains Satisfactory Academic Progress(SAP) toward his or her degree objective. These regulations allow the institution to set standards of satisfactory academic progress provided that "those standards are reasonable, are applied consistently, at least as strict as the requirements for all students, and measure progress toward the degree for all periods of enrollment regardless of whether the student is receiving financial aid." The Office of Student Financial Aid will attempt to notify a student when it appears that he or she will exceed the unit deficiency or exceed the unit maximum. Unless a student can provide information, which would justify why the degree has not been granted, his or her financial aid will be canceled.

    The standards developed for financial aid recipients at SF State include Minimum Unit Requirement, Maximum Degree Unit limits and Grade Point Average (GPA).

    #1. Minimum Unit Requirements

    Financial aid recipients must successfully complete the minimum unit requirement for all the types and amounts of financial aid they receive each term in order to maintain SAP. The number of units a student is required to complete may differ from the enrollment requirement. Please refer to the chart that follows:

    SAP Unit Requirements
      Enrollment
    Requirement
    SAP
    Minimum
    Contract
    Unit
    Tolerance
    Undergraduate/Credential     
    Full-Time 12 units 10 units 10 units
    3/4 Time 9 units 9 units 10 units
    greater than 1/2 Time* 7 units 6 units 10 units
    1/2 Time 6 units 6 units 10 units
    less than 1/2 Time 1 unit 1 unit 10 units
           
    Graduate/credential      
    Full-time 8 units 6 units 7 units
    greater than 1/2 Time 7 units 7 units 6 units
    1/2 Time 4 units 4 units 7 units
    Less than 1/2 Time 1 unit 1 unit 7 units
    *Greater than half-time = Part-time paying full time tuition and registration fees

    Unit Deficiency

    Students who complete less than the minimum semester unit contract while receiving aid may incura unit deficiency. A unit deficiency is the difference between the student's minimum unit contractand the units the student completed during the term. For example, an undergraduate student receivingfull-time financial aid must complete a minimum of 10 units during the semester. If he/she successfullycompletes only 6 units, he/she will incur a 4 unit deficiency for that term. If a student withdraws from all classes, the OSFA will apply a repayment formula to determine if the student must repay any financial aid. See the Repayment policy information.

    SAP is monitored once each year, at the end of the spring semester. Therefore, within an academic year a student who completes less than the minimum unit requirement during one semester may avoid a unitdeficiency by completing more than the minimum number or units during the other semester. For example,an undergraduate student receiving full-time financial aid who successfully completes only 6 units inthe fall semester must successfully complete 14 units in the spring semester (6+14=20, i.e. an averageof 10 units each semester).

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    Unit Deficiency Tolerance: Unit deficiencies at the end of the academic year are added to any unitdeficiencies from previous academic years to determine a student's cumulative unit deficiency at SF State.If a student's cumulative unit deficiency does not exceed the unit deficiency tolerance level, he or shewill remain eligible for financial aid. For undergraduates the unit deficiency tolerance is 9 units; forgraduates the tolerance is 6 units. Once a student's cumulative unit deficiency exceeds the tolerancelevel, he or she will no longer be eligible to receive financial aid until the cumulative unit deficiencyhas been reduced to within tolerance.

    A student may reduce their cumulative unit deficiency by completing more units in one semester than the minimum unit requirement, by completing winter or summer session classes, or by completing classes (at SF Stateor another accredited Junior College or University) without receiving financial aid for those classes.

    Passing Grades: The quality of the student's academic performance will also be monitored. In orderfor units to be recognized as successfully completed, the grade must be one of the following: A, B, C, D,or CR. Grades not accepted as units successfully completed are: F, NC, U, W, AUD, RD, I, or SP. If a gradeis changed after the official posting for a semester, it is the student's responsibility to bringverification of the grade change to the OSFA. You cannot receive financial aid for repeat coursesfor which you initially received a passing grade.

    ACCEPTABLE GRADES smiley face
    A, B, C, D, CR

    UNACCEPTABLE GRADES  sad face
    F, NC, U, W, AUD, RD, I, SP

    #2. Maximum Degree Unit limits

    Financial aid recipients are monitored for the length of time needed to complete their degreeby measuring their total units completed. Undergraduate students will be eligible to receive financial aid only until they receive a degree or earn a maximum of 175 semester units. Graduate students are eligible to receive financial aid only until they earn their degree or earn 75 semester units. Students who change their minors/majors, who are pursuing double minors/majors, or who are attempting second baccalaureates will be held to the same maximum time frame.

    The Office of Student Financial Aid will attempt to notify a student when it appears that he or she will exceed the unit maximum. Unless a student can provide information, which would justify why the degree hasnot been granted, his or her financial aid will be canceled.

    Satisfactory Academic Progress Appeals

    Students who fail one or more of the SAP requirements mentioned in #1 or #2 must appeal to theSatisfactory Academic Progress Appeals Committee (SAPAC). The required paperwork is available inthe Office of Student Financial Aid.

    All financial aid recipients should speak to a financial aid counselor to discuss the impactof any proposed changes in enrollment such as dropping a course, repeating a course, or withdrawingfrom the University. Any of these changes may affect his/her satisfactory academic progress andfuture eligibility for financial aid.

    Contact our office by phone -

    415-338-7000
    Office Hours

    Directory Access / SF State on Internet / Additional SF State Numbers

    SF State on the Internet
    http://www.sfsu.edu

    Office of Student Financial Aid
    SS Building, One Stop Services
    1600 Holloway Avenue
    San Francisco, Ca 94132
    http://www.sfsu.edu/~finaid

    Federal Student Aid Programs>
    1-800-433-3243....automated service & representative
    FAFSA application processing center
    http://www.fafsa.ed.gov

    California Student Aid Commission- WEB GRANT
    (888) 224-7268
    http://www.csac.ca.gov

    Cal Grant A, B, T award

    Student Loans & Collections Office
    NADM Bldg Room 350
    (415) 338-2421

    Perkins Loan questions and forms.

    Federal Direct Loan Service Center
    1-800-848-0979......automated service and representatives
    1-800-557-7392......consolidated information
    http://www.studentloans.gov

    Additional Numbers at San Francisco State University

    Admissions application status.....338-1113 SS Building
    Advising Center...................338-2101 OAD 212
    Bursar's/Cashier Office...........338-1281 SS One Stop & ADM 155
    Bookstore.........................338-2023
    Career Center........................338-1761
    Disability Resource (Voice & TTY).....338-2472
    EOP Admission Assistance............338-1646 liB 426C
    Financial Aid........................338-7000 SS One Stop
    Financial Aid (TTY)..................338-3404
    Grades(automated)....................338-7000
    Graduate Division....................338-2234 ADM 254
    Housing & Residential Service........338-1067 Mary Ward Hall
    Office of International Programs.....338-1293 ADM 450
    Registrar............................338-2350 SS One Stop
    Student Outreach Services............338-2355 SS 106
    Testing Center.......................338-2271 ADM 152
    Gator Registration..............338-7000
    University Help Desk/Operator........338-1112

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