FINANCIAL AID YOUR GUIDE TO - An investment in your success - University of North Dakota
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YOUR GUIDE T O
FINANCIAL AID
An investment in your success
UND.edu/one-stop
701.777.1234
FINANCIAL AID STEPS
In general, here are the main B | Log in to Campus Connection D | Review award notification
W E ’ R E HE R E T O HE L P steps to financial aid success: Campus Connection is the system that you’ll use to accept or 1. Go to the Finances section in
EVERY STEP
decline your financial aid award, register for classes, view and pay Campus Connection and click on
STEP 1 your bill, etc. “View Financial Aid.”
Apply for financial aid at fafsa.gov 2. After you click on “View Financial Aid,”
OF THE WAY
After you’ve claimed your NDUS account and you have obtained
If you haven’t yet completed the FAFSA, go to fafsa.gov or download the your username and password, follow the steps below to log in to please select the appropriate aid year
new myStudentAid FAFSA app as soon as possible. UND’s school code Campus Connection: to view your Award Summary.
is 003005. Funding is limited and not guaranteed through the priority Campus Connection refers to the
1. Go to UND.edu.
deadline of February 1 for the fall semester. aid year by the spring semester. For
Congratulations! You’ve been awarded financial aid 2. Click on the “Logins” link at the top of the page and choose example, if you’ll attend UND during
assistance to help you meet your educational goals at
the University of North Dakota. We’re excited to have you
STEP 2 “Campus Connection.” the fall 2019, spring 2020 and/or
Accept / decline your financial aid award through Campus Connection 3. On the login page, enter your User ID (e.g., firstname.lastname) summer 2020 semesters, your financial aid will be referred to
begin your journey as a UND student. as the 2020 Aid Year. If this is your first year receiving financial
As soon as possible but no later than one month before classes begin, and Password.
you should accept or decline all or part of your financial aid award package aid, you’ll have only one option. You may view previous award
We know the financial aid process can be a bit daunting, 4. Click the “Sign In” button.
by following the “A to E” directions described on pages 2-4. notifications in Campus Connection at any time.
but we’re here to help you every step of the way. We
hope the Financial Aid Guide will make the process easier
by providing you an outline of the steps you need to A | Claim your NDUS account
take, answers to frequently asked questions and a list of
UND is part of the North Dakota University System (NDUS). To access
common financial aid glossary terms.
the systems you’ll need as a UND student, you must activate your 2020
If you have any questions, feel free to contact us at NDUS account.
701.777.1234 or UND.edu/one-stop. 3. Carefully review the breakdown of your estimated cost of
If you haven’t already done so, follow these steps to claim your
After you’re logged in to Campus Connection, your Student Center attendance by clicking on “Financial Aid Summary.”
Financial Aid Overview NDUS account:
page will be your default screen. Your Campus Connection Student
The Free Application for Federal Student Aid (FAFSA) 1. Go to UND.edu/claim. Center includes your academic, financial and personal information.
is the only application UND requires to determine your Please familiarize yourself with the Campus Connection Student
2. Find your student ID number (also known as your EMPLID) on your
eligibility for all federal and state financial aid. Center because you’ll use it to manage your account at the University
acceptance letter or by clicking on the “Look up your EMPLID number”
link under the “Username Change Information” tab. of North Dakota.
The financial aid you’re eligible to receive is determined
from the financial information you provide in your FAFSA
|
3. Once you have your student ID number, click on the “Claim Your
C Review account “HOLDS” or “TO DO LISTS”
and the cost to attend UND. Your financial aid may consist Account” link.
of loans, grants, scholarships, work-study employment or In Campus Connection, you’ll be able to see if you have any
4. Follow the steps as indicated.
other federal and state programs designed to assist you “Holds” on your account or if Student Financial Aid is waiting for
with the cost of attending UND. The process will take you about 10 minutes because you’ll be asked a you to complete an item on your “To Do List,” such as entrance
series of security questions that will help protect your information. Once loan counseling. If any of the listed holds or items to do are in your
Your specific UND financial aid award package is 4. Click on the dollar amount
you have claimed your NDUS account, you don’t have to go through the account, they can either stop financial aid processing or prevent class
based on completion of 12+ credits / semester as an listed as your “Estimated
process again. registration. Please click the “details” link to find out which office is
undergraduate student. Financial Aid Budget” to
requesting additional information from you.
If you have questions, contact the NDUS Help Desk at 1.866.457.6387 or see a breakdown of your
If you plan to take fewer credits per semester, please
go to helpdesk.ndus.edu. Important: If your FAFSA file has been randomly selected for tuition and fees, housing
notify One-Stop Student Services to have your aid
verification, it will show as an item in your Campus Connection “To and board, books and
adjusted appropriately. Some aid, such as grants, will
Do List.” You will not be able to accept your financial aid until that supplies and miscellaneous
be prorated based on the actual number of credits in
process is completed. living expenses.
which you’re enrolled.
CHECK YOUR EMAIL FREQUENTLY Please keep in mind that these are estimated costs and that
Complete Steps 1-7 Before you’ve registered for classes, please check the email you used not all of your expenses will be paid directly to UND. The living
It’s important that you complete the following steps in on your admission application frequently for official communication from expenses budget line provides you with estimated costs for
order to ensure your financial aid will be applied to your the University regarding financial aid, course registration and more. additional necessities, such as shampoo and toothpaste. To help
bill. These steps also will help you determine how much pay for these living expenses, UND encourages you to pursue
you may owe (if anything) at the start of the semester and After you’ve registered for classes, you’ll begin to receive official student employment opportunities rather than seek additional
what options you have to help cover those costs. communication through your UND student email account. student loan money.
Follow the directions at UND.edu/email for accessing your UND student
email account:
• Review the login information under the Login Information tab.
• Get directions to set up your UND email on your smartphone
under the Mobile Devices tab.
If you have questions, contact UND Tech Support at 701.777.2222.
When prompted, remain on the line to speak to a UND representative.
2 Questions? Contact One-Stop Student Services: 701.777.1234 | UND.edu/one-stop 3
F I N A N C IAL AID ST EPS
2 019 -2 0
STEP 4
Estimate payment due to UND
Use the worksheet on page 5 to estimate your payment due to UND
EXPENSE PLANNING WORKSHEET
for the semester. This worksheet is designed to help you plan for the payment of your educational expenses.
In order to complete the worksheet, please refer to your Financial Aid
E | Accept / Decline Award
Award Notice letter or Campus Connection (STEP 2).
FALL SPRING
Regarding the Award Notice letter, keep in mind the following:
1. Go to the Finances section in the Campus Connection Student
Center and click on “Accept / Decline Awards.” • The “Estimate of Direct Costs” is the combined total for the fall A. ESTIMATED TOTAL COST OF ATTENDANCE
and spring semesters. To complete the “Estimated Total Cost of Divide in half the “Estimate of Costs” dollar amounts on your Financial Aid Award Notice letter to determine expenses per semester.
2. You may view more details about
Attendance” section on the worksheet, please divide the dollar
each award by clicking on the title
amounts in half.
of the award.
• The “Awards Offered” includes all of the financial aid you’re _______ _______ Estimated Tuition & Mandatory Fees
3. Check the appropriate boxes to accept or
eligible to receive. On the “Total Financial Aid” section of the
decline your financial aid award, and click + _______ _______ On-Campus Housing & Meal Plan
worksheet, you should use the dollar amounts for only the parts
on the “SUBMIT” button. You’re able to Based on double-occupancy room and anytime access meal plan.
of the financial award that you chose to accept. If you received
accept all or a portion of your award.
any non-UND scholarships (e.g., hometown, state, etc.), please
Important: If you’re unsure if you want + _______ _______ Books & Supplies
make sure you notify One-Stop Student Services and include the This expense varies depending on your major and coursework.
to accept or decline all or part of your amounts on the worksheet.
financial aid award, you may first want
+ _______ _______ Other Costs
to complete STEP 4 on pages 4-5 to help you estimate your
payment due to UND.
STEP 5 Tuition rates include mandatory fees but do not include personal, flight costs/aviation, study abroad, music lessons, marching band or student
teaching expenses. More information can be found at UND.edu/costs.
Additional options to help cover costs
Based on your estimated payment due to UND, you may want to take
= _______ _______ Estimated Total Cost of Attendance
advantage of the following options to help you cover costs:
Direct PLUS Loan
• Parents of dependent undergraduates may apply for an additional
loan from the U.S. Department of Education to help cover
educational expenses. B. TOTAL FINANCIAL AID
Refer to Campus Connection or the “Awards Offered” in your Financial Aid Award Notice letter to complete this section.
STEP 3 • To apply, go to StudentLoans.gov. To be approved, the parent
must have a good credit history.
Complete federal loan processes
• The borrower will need to start repaying the loan 60 days after it _______ _______ Scholarships / Waivers (UND, hometown, state, etc.)
Federal Direct Loan(s)
has been applied to the student’s bill.
If you’re accepting a Federal Direct Loan, you must complete a
Master Promissory Note and Entrance Loan Counseling through • If a parent is denied, the student may be eligible to receive + _______ _______ Grants (Federal Pell, SEOG, Teach, ND State, etc.)
the U.S. Department of Education. additional unsubsidized loans. Contact One-Stop Student
+ _______ _______ Federal Direct Loan (Subsidized, Unsubsidized)
Services for options. There is a 1.069% origination fee. For example, if you accept a $5,500 loan, only $5,441 applies to your bill. (Fee is subject to change due to
To complete the online MPN and ELC sessions: U.S. Department of Education requirements.)
Private Educational Loans
1. Go to StudentLoans.gov.
You may apply for private educational loans through private = _______ _______ Total Financial Aid
2. Log in with your Federal Student Aid ID. banks. Please keep in mind that many private banks will require a If you receive Federal Work-Study as part of your financial aid package, this amount does not apply to your bill. Once you get an FWS job, you’ll
receive a paycheck for the hours you worked. See Glossary on page 8 for more information.
3. Follow the directions to complete the MPN and ELC sessions. creditworthy borrower (student) or creditworthy co-borrower (parent,
Each takes about 30 minutes. family member or close friend).
To compare private lenders:
1. Go to UND.edu/one-stop/financial-aid/loans. C. YOUR PAYMENT DUE TO UND
2. Under the “Private Education Loans” section, click on the
“FASTChoice” button. _______ _______ A. Estimated Total Cost of Attendance
3. Click “Continue” on FASTChoice site.
– _______ _______ B. Total Financial Aid
4. Read the disclosure and complete the information to compare
Applied to your bill: Fall 2019 = Tuesday, September 10 | Spring 2020 = Tuesday, January 28
loan options.
= _______ _______ C. Your Payment Due to UND
See STEP 5 on page 4 for other educational loan options to help cover costs.
4 Questions? Contact One-Stop Student Services: 701.777.1234 | UND.edu/one-stop 5
F I N A N C IAL AID ST EPS
F R E Q UE N T LY A S K E D
STEP 6
Pay your bill
Learn about the various ways you may pay your bill at:
STEP 7
Receive excess financial aid
If the financial aid you’re awarded is higher than the amount owed
QUESTIONS
UND.edu/one-stop/payments. Paying online through Campus to UND, you may have excess financial aid and other refunds.
Connection is the best and safest payment method at UND. About two weeks after registering for courses, you’ll receive a letter Am I required to accept my award? Where should I mail my scholarship check?
instructing you to select your preference for having the excess funds Yes, if you want financial aid, you’re required to accept the award at All local and hometown scholarship checks should be mailed to:
To make payments 24/7: deposited into your existing bank account or to a new account that least one month before classes begin. You may accept or decline
UND Student Financial Aid Office
• Log in to Campus Connection by clicking the “Logins” you can open with UND’s refund partner. all or part of your financial aid award package by following the “A to
264 Centennial Dr Stop 8371
link at UND.edu. E” directions on pages 2-4 of this brochure.
Refunds will begin processing on: Grand Forks ND 58202-8371
• Click on “Pay Online Now.” What if my financial aid award doesn’t cover all of my costs?
Fall 2019 = Tuesday, September 10 Checks must be payable to UND and include your Student ID
As outlined in STEP 5 on page 4, there are three main options you number. Please encourage your scholarship organization(s) to mail
Your financial aid will be applied to your bill: Spring 2020 = Tuesday, January 28
can explore to help cover costs beyond your financial aid award: checks as soon as possible to ensure your aid will be applied to your
Fall 2019 = Tuesday, September 10 account on time. Scholarship checks received after August 15 for
1. Parents of dependent undergraduate students may borrow
Spring 2020 = Tuesday, January 28 the fall semester or after December 15 for the spring semester are
additional funding through the U.S. Department of Education.
After your financial aid has been applied to your bill, please verify Parents will need to log in to StudentLoans.gov using their own not guaranteed to be applied to your tuition bill on time.
that it covered your total charges or submit payment to pay your login information.
Is there anything that could delay the processing of my
outstanding balance. 2. You may apply for private educational loans through private
financial aid?
banks. Please keep in mind that many private banks will require
Yes. The following reasons may cause your financial aid to be applied
a creditworthy borrower (student) or creditworthy co-borrower
late to your account or not at all:
(parent, family member or close friend). For more details, contact
your bank or go to UND.edu/financial-aid/loans to view the • If you did not accept or decline your financial aid award in
private educational loans most commonly used by UND students. Campus Connection.
3. You may seek student employment opportunities on the UND • If you did not complete your Master Promissory Note.
campus or within the Greater Grand Forks community. For more • If you did not complete Entrance Loan Counseling.
information, visit UND.edu/one-stop/student-employment.
• If your FAFSA application is subject to verification, and you have
Can my financial aid award change? not submitted all requested documents.
Yes. The University reserves the right to adjust your award on the • If you do not meet Satisfactory Academic Progress.
basis of additional information that may become available, including See UND.edu/financial-aid/sap for details.
but not limited to, verification of your FAFSA information, tuition
assistance, waivers, scholarships, grants and changes in enrollment As an Aviation student, what should I do about financial aid?
status (e.g., changing from full-time to part-time status). Your budget will be evaluated after you have registered for a flight
course. If changes to your financial aid are made, you’ll receive an
Keep in mind that students who officially withdraw from UND or stop email notification to your UND email account. Most Aviation students
attending classes within the semester are subject to having their will need to seek private educational loans or Federal Direct PLUS
financial aid reviewed and possibly returned to the U.S. Department loans to help pay for additional costs.
of Education.
If you have questions, the best thing to do is to contact our Aviation
Will my parents / guardians have access to my financial account? Financial Aid Advisor. You may stop by the advisor’s office, which
No. The Family Educational Rights & Privacy Act (FERPA) establishes is located in the John D. Odegard School of Aerospace Sciences in
certain rights for students regarding the privacy of their educational Odegard Hall, Room 215. You also can call 701.777.1234.
records. While your parents / guardians may have an interest in your
records, they cannot be granted access without your written consent.
To permit your parents / guardians to access your records, you must
complete the FERPA Privacy Release Form at:
UND.edu/one-stop/forms.
STUDENT CONSUMER INFORMATION
The Higher Education Opportunity Act requires all United States
academic institutions to provide future and current students certain
consumer information about the University, including financial aid
information. For your convenience, UND has consolidated that
information on the Student Consumer Information website:
UND.edu/consumer.
6 Questions? Contact One-Stop Student Services: 701.777.1234 | UND.edu/one-stop 7FIN A NCI A L A ID
GLOSSARY
Award Notice Federal Work-Study
An offer from a college or university that states the type and A federal student-aid program that provides part-time employment to
amount of financial aid the school is willing to provide, if you accept help pay your education expenses while you are enrolled in school.
admission and register to take classes at that school. You will receive a paycheck every two weeks for your hours worked.
Jobs will begin posting on July 1 at UND.edu/student-employment.
Cost of Attendance (COA)
The total amount it will cost you to go to school — usually stated as Financial Need
a yearly figure. COA includes tuition and fees, housing and board The difference between the cost of attendance (COA) at a school and
and allowances for books, supplies, transportation, loan fees and your Expected Family Contribution (EFC). Need-based aid may be
personal expenses. adjusted if a student receives merit-based scholarships.
Direct Subsidized Loan Grant
A loan based on financial need for which the federal government pays Money awarded to undergraduate students based on their financial
the interest that accrues while the borrower is in an in-school, grace need. Grants are prorated based on the actual number of credits in
or deferment status. which a student is enrolled. Grants generally do not have to be paid
back, unless the student withdraws from the school.
Direct PLUS Loan
A loan made by the U.S. Department of Education to graduate, law Master Promissory Note (MPN)
or medical students as well as parents of dependent undergraduate A binding legal document that you must sign when you get a federal
students for which the borrower is fully responsible for paying the student loan.
interest regardless of the loan status.
Private Educational Loan
Direct Unsubsidized Loan A nonfederal loan made by a lender such as a bank, credit union,
A loan where the borrower is fully responsible for paying the interest state agency or school.
regardless of the loan status. Interest on unsubsidized loans accrues
from the date of disbursement and continues throughout the life of Satisfactory Academic Progress
the loan. A federal regulation for satisfactory academic progress toward
a degree. Students not meeting standards may lose financial
Disbursement aid eligibility.
Payment of student aid funds to the student’s account by the school.
UND students receive their student funds in two disbursements (i.e., Scholarship
fall and spring semesters). Money awarded to students based on academic or other
achievements to help pay for educational expenses. Scholarships
Entrance Loan Counseling (ELC) generally do not have to be paid back.
A mandatory information session that takes place before you
can receive your first federal student loan and explains your
responsibilities and rights as a student borrower.
EXTENDED GLOSSARY
Expected Family Contribution (EFC)
For additional terms and definitions, please go to:
This is the dollar amount that’s used to determine your eligibility
studentaid.ed.gov/glossary
for federal student financial aid. The dollar amount is determined
from the financial information you provide in your FAFSA, the Free
Application for Federal Student Aid.
One-Stop Student Services | Memorial Union, 2901 University Avenue | UND.edu/one-stop | 701.777.1234
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