Seattle Pacific University is pleased to work with students and
parents in meeting educational costs. Scholarship programs,
grants, loans, and employment opportunities are available at SPU
to supplement familiesí financial resources for students who could
not otherwise attend.
For need-based financial assistance, the contribution toward
college costs expected from the student and his or her parents is
calculated according to a federally mandated system called federal-need analysis, which takes into account many factors representing
the familyís financial situation.
- To the extent funds are available, the University will supplement the amount expected from the family with scholarships, grants, loans, or employment (singly or in various combinations) not to exceed the amount of the student’s documented financial need.
- Beginning with students enrolling for the first time after Spring Quarter 2006 or admitted in the academic year 2006-07 and after, the total offer of institutional gift aid (tuition discounts, grants, and scholarships) is limited to the cost of tuition. (SPU Scholars and students invited into the University Scholars program may receive institutional aid up to the cost of tuition, room and board as defined in the financial aid cost of attendance (pdf) found in Expenses for 2006-07 Full-time Undergraduates; athletes and peer advisors are covered under separate policies that allow institutional gift aid above tuition costs).
- The amount and source of assistance will be determined on the basis of available funding, the type of degree, and eligibility criteria for the various financial aid programs.
- Total grant eligibility for a student may be comprised of federal, state, or institutional grants; students are first considered for federal and state grants. If a student is determined eligible for state and/or federal grants post-awarding, the state and/or federal grants will be considered first to have met grant eligibility and may replace institutional grants.
- To receive financial aid, a student must be enrolled for a minimum of 6 credits (courses numbered 0100Ė4999) per term in a program leading to an undergraduate degree or teacher certification from SPU. Media courses and courses numbered 5000Ė5999 are not eligible.
- Full-time enrollment (12 credits per quarter) is required for scholarship eligibility.
- To receive financial aid, a student must not have a default on a federal loan or owe repayment on federal grants.
Please look below for information about the financial aid process and deadlines, as well as criteria for maintaining eligibility.
To apply for need-based financial aid through SPU, the student must:
- Complete the admissions process and be admitted to the
- Complete the Free Application for Federal Student Aid
(FAFSA) and submit it to the central processor. The FAFSA
may be completed via paper (a form can be obtained at a
secondary school or a college financial aid office) or by clicking here.
If requested to do so, the student and his or her family must also
provide additional documentation required to verify eligibility. The
student must reapply for financial aid by completing a FAFSA each
To apply for scholarships through SPU, the student must complete
the admissions process, as the admission application also
serves as the scholarship application.
It is recommended that the FAFSA be processed as soon as possible
after January 1 and that the student complete the admission
process as soon after October 1 as possible. Since funding for most
programs is limited and applications are processed in the order of
their completion, it is to the studentís advantage to apply as early
To be considered for SPU Merit Scholarships, all admission
application materials must be received by February 1 for high school
students and by April 1 for transfer students.
The Financial Aid Offer
Generally, students qualifying for financial aid receive a financial aid package containing one or more of the following types of aid: grants, scholarships, loans, and student employment. The proportion of each type of aid varies from student to student and year to year depending upon student eligibility, the amount of funds available in the various programs, and the type of degree. The student must validate that they understand and will comply with all regulations, responsibilities, and obligations by completing the Master Conditions of Financial Assistance (pdf). The student will receive one initial paper offer of financial aid, call the Offer of Financial Assistance; all subsequent revisions to it and future offers will be communicated by email notification and accessed through the Banner Info System. If a student wishes to reduce or cancel any part or their entire offer, they must contact Student Financial Services. The student must inform Student Financial Services of additional resources not reported on the FAFSA during the period of the award.
Disbursement of Financial Aid
Once a student has completed the financial aid application/award
process, has fulfilled all the requirements listed on the studentís
Offer of Financial Assistance, and is enrolled for the required number
of credits, grants and loans are disbursed by Student Financial
Services 10 days prior to the start of the term. Financial aid, with
the exception of earnings from employment, and grants and scholarships
funded by the state, will be applied to the studentís tuition
and room and board account in four ways:
- SPU grants and scholarships and federal grants: This aid is automatically applied to the studentís
- Federal Perkins loans, nursing loans, and SPU undergraduate
loans: Once the student has filled out the necessary papers
and signed the promissory note, the loans may be applied to
his or her account.
- Federal Stafford loan (subsidized and unsubsidized): Once
the student has notified Student Financial Services of his or
her choice of a lender, on the Master Lender Selection Form (pdf), the student will complete a master
promissory note (MPN) available by clicking here. Upon
completion of the master promissory note, the bank will send
the funds to SPU in one of two ways. If the bank participates
in electronic funds transfer, the funds will be automatically
applied to the studentís account. If the bank does not
participate in electronic funds transfer, it will send a check
each quarter that the student will need to endorse in Student
Financial Services. Continuing students who have already
signed a master promissory note in a previous year will not
need to complete another loan application. Instead, loan
information will be automatically sent to the lender the
student used previously. Loan funds will either be applied to
the studentís account via an electronic funds or a check will
need to be endorsed by the student, depending on which
process the studentís lender uses.
- Washington State Need Grant (WSNG), Educational
Opportunity Grant (EOG),
Washington Scholar and Washington Award for Vocational
Excellence (WAVE), GEAR-UP, and health professional
scholarships are disbursed via check, and are available for
the student to pick up in Student Financial Services on or
after the first day of the quarter.
The remaining balance due on a studentís account can be paid
from student employment, summer savings, parent contribution (if a
dependent), and other resources.
To remain eligible for financial assistance, a student is expected to
complete his or her degree within a specified period of time and
maintain a minimum GPA. In addition, the student must complete a
minimum number of credits each academic term.
Minimum Grade Point Average
A financial aid recipient must be in good academic standing at the
University. At the completion of the second year of study the student
must have a cumulative 2.0 GPA to remain eligible for Title IV
funding. (Please note: A higher minimum GPA may be required for
scholarship recipients. Refer to the Scholarship/Grant section below for specific renewal criteria). Students who do not achieve
a 2.0 cumulative GPA will be ineligible for further financial assistance
until the cumulative GPA is achieved.
Minimum Credit Requirement
First-time financial aid applicants will have their previous academic
record measured for satisfactory completion of 80 percent of the
credit hours attempted at SPU. Students averaging 80 percent
satisfactory completion of credits attempted will be eligible to be
considered for financial aid. Current financial aid recipients must
satisfactorily complete a minimum of 80 percent of all attempted
credit hours each academic year. For normal academic progress,
full-time undergraduate students are expected to complete an
average 12 credits per quarter. At this rate, a student is expected to
complete an undergraduate degree in five years. Part-time students
enrolled in an undergraduate degree or certificate granting program
must complete a minimum of 6 credits per quarter and 80 percent
of attempted credits, annually. The calculated percentage will be
rounded up to the nearest full credit hour. Completed credits are
defined as coursework that has received a grade of A, B, C, D, or ďPĒ at the end of the academic term.
Maximum Time Frame
A student receiving financial aid must complete a degree within
a reasonable period of time. Financial aid will be awarded to
students in an eligible undergraduate program for a maximum
of 270 total attempted credit hours, including transfer credits
accepted toward the degree.
Consequences of Unsatisfactory Progress
A student who completed 6 or more credits each quarter, but less
than 80 percent of attempted credits each academic year, will be
placed on financial-aid probation during the subsequent quarter of
attendance. During the quarter of probation, the student will be
eligible to receive financial aid and must complete all attempted
credits to have the probation status removed. If the student does
not complete all attempted credits, the student will be ineligible
for further financial assistance until enough credits have been
completed to bring the student back into compliance with SPUís
satisfactory progress requirements.
A student who completes less than 6 credits in any quarter will
be ineligible for further financial assistance. To regain eligibility for
financial assistance the student must complete a minimum of 6
credits in a term. These credits may be taken at another institution and
transferred to SPU or may be taken at SPU without receiving aid.
Petitions for Reinstatement of Eligibility
Students have the right to appeal their eligibility for financial aid.
Written appeals due to extenuating circumstances should be submitted
to the studentís financial services counselor. Please note that
some financial-aid programs may have criteria that vary from the
above-stated progress standards. Detailed information about these
programs is included in the Guide to Student Accounts and
Financial Aid (pdf) provided to all students along with their Offer of
Return of Funds
In the event that students leave school during a quarter for which
they have received financial aid, all or part of the funds that have
been disbursed may have to be repaid. The amount of the repayment
will be determined according to the length of time the student
was in school. See Refunds and Account Adjustments for details.
Seattle Pacific Universityís academic programs of study are
approved by the Higher Education Coordinating Boardís State
Approving Agency (HECB/SAA) for enrollment of persons eligible to
receive educational benefits under Title 38 and Title 10, U.S. Code.
To obtain information on these benefits, contact the veteransí
coordinator in Student Academic Services.
Unless otherwise stated, scholarships and grants are available only
to students pursuing their first undergraduate degree. Full-time
enrollment (12 credits per quarter) is required for scholarship eligibility.
University funded scholarships and grants are not available
during Summer Sessions. In some cases federal and state programs
are available. Complete information about these programs is available
in Student Financial Services or by clicking here.
Other Scholarship Funds
A number of scholarship funds have been established by interested
individuals and groups for use by the University in its financial aid
program. Unless otherwise noted, for priority consideration new
students must be admitted to the University by March 1 and have
filed all necessary application materials by that date.
Continuing students are invited to apply for the SFS undergraduate
scholarship process in early November. Applications and reference
forms are due in early December. This is a blanket application
for all of the scholarships awarded by Student Financial Services.
Scholarship amounts vary from year to year. Questions regarding
specific application deadlines and details can be directed to Student
Financial Services, unless otherwise noted after the name of
the scholarship. For scholarships awarded by specific departments,
please contact that department for more information.
Click here for a listing of Other Scholarship Funds.
Federal Parent Loan for Undergraduate Students (PLUS). Parents of dependent undergraduates can borrow money through lenders to help supplement educational costs. The PLUS Loan has a variable interest rate not to exceed 9 percent annually. Arrangements can be made with some lenders to have payments deferred. Contact your lender for more information.
Federal Perkins Loan. This program combines funds from the
U.S. Department of Education and SPU. The loan fund is limited and
targets the neediest students. The borrower must satisfy eligibility
requirements as established by the U.S. Department of Education
and demonstrate financial need. Perkins loans carry a simple interest
rate of 5 percent and are repayable over a 10-year period
following graduation, or dropping below a half-time credit load, or
withdrawing from school. No interest is charged while students are
in school and during a nine-month grace period thereafter.
Federal Nursing Student Loan Program. Nursing students with at
least sophomore standing may be eligible for loans to assist in
meeting their educational expenses. Nursing loans carry a simple
interest rate of 5 percent and are repayable over a 10-year period,
beginning nine months after completion of the course of study, or
dropping below half-time credit load, or withdrawing from school.
No interest is charged while students are in school and during a
nine-month grace period thereafter.
Federal Stafford Loans (subsidized and unsubsidized). These
loans are made through banks, savings and loan associations, and
credit unions. Any student is eligible to apply who satisfies the
eligibility requirements as established by the U.S. Department of
Education. The federal Stafford loan interest rate varies depending
on when the student borrows the funds and when he or she enters
repayment. Payment terms may also vary; students are encouraged
to check with their lenders. No interest is charged while students
are enrolled at least half-time in a degree-seeking program and
during a six-month grace period thereafter for subsidized loans.
Interest begins accruing immediately on the unsubsidized loans.
For information regarding types of payment deferments,
students must contact their lenders.
SPU Institutional Loan Program. This program,
sponsored by SPU, was created to provide assistance to needy
undergraduate students. Specific information about the program, student eligibility
criteria, and application forms are available in Student Financial
Emergency Advance of Pending Financial Aid Credit
Balance. Loan funds exist from which, under emergency conditions,
limited amounts of money may be borrowed for up to 30
days. Application forms are available in Student Financial Services.
The University supports a strong student-employment program
through which it provides information regarding part-time employment
opportunities. This job service is available to all SPU students,
regardless of financial aid eligibility.
All part-time employment opportunities are posted outside
Student Financial Services. On-campus, community service, and
state work-study jobs are posted here at the Office of Student Employment Web site. Once employed, students will complete
time sheets and receive payment from the Student Payroll Office if
they work on campus, or directly from their employer if they work
off campus. It is the studentís responsibility to make payment on his
or her student account from these funds if needed.
Four Types of Student Employment
On-Campus Employment. Several hundred jobs are available on
campus for SPU students. All of these positions are available for
students enrolled in 6 credits or more, regardless of their financial
aid eligibility. For those students who have been awarded work
study, they will be paid out of work-study funds. For those students
who have not applied for financial aid, or who have not been
awarded work study, they will be paid from non-work-study funds.
Therefore, any on-campus job is available to any student and
Student Financial Services will determine, after the student is hired,
if the job should be classified as a work study or as a non-workstudy
Community Service Employment, Off Campus. These jobs
are designed to assist our local community. Current positions are
targeted to help at-risk youth, the homeless, and the elderly. There
are a limited number of positions available through this program
and the student must have applied for financial aid and been
State Work-Study Employment, Off Campus. Students must
have applied for financial aid and been awarded work study to be
employed in the state work-study program. This program is sponsored
by the state of Washington, and the participating employers
are reimbursed by the state for a portion of the wages they pay
Off-Campus Employment, Regular Part-Time Jobs. There
are many part-time jobs from local employers posted on the Job
Board outside Student Financial Services. These jobs are available
for any SPU student regardless of financial aid eligibility.
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