Tuition, Fees & Financial Aid

Student Financial Responsibility Statement

When registering for classes, the student acknowledges and agrees to all terms and conditions set forth by Midwestern State University including liability for all tuition, fees, room, board, and other related charges. Failure to pay the student’s financial obligation in full by the due date for the semester allows Midwestern State University to exercise its right to pursue other legal action for collection. This includes, but is not limited to, placing the past due account with a collection agency and/or other third party such as an attorney. In addition to paying his/her past due account, the student will be obligated to pay all reasonable costs and expenses of collection, including, without limitation, reasonable court costs and attorneys’ fees and/or collection agency fees and charges. Midwestern State University may also disclose to credit bureau organizations that a student has defaulted on his/her student financial obligation to Midwestern State University. Failure to attend classes does not absolve the student from financial liability. In all cases, it is the student’s responsibility to drop classes by the published drop/add date or the student will be held liable for those classes.

Payment of Fees

PAYMENT IS DUE AT THE TIME OF REGISTRATION.

One of the following payment options may be selected:

1. Pay the balance in full at registration. The University accepts cash, checks, and money orders at the Business Office windows.  Electronic check or MasterCard, Visa, American Express, and Discover credit card payment are available on the MSU website at www.mwsu.edu/onlinepayments. A convenience fee of 2.75% of the total payment amount will be charged to the accounts if students choose the credit card payment option.
2. Installment Plan: A short-term payment plan which is administered by the MSU Business Office (940-397-4101) and can be used to defer payment of tuition and fees and/or on-campus room and board. The payment schedule for Fall/Spring is one-third (1/3) of the total amount is due at the time of registration; one-third (1/3) is due prior to the start of the 6^th week of class; one-third (1/3) is due prior to the start of the 11^th week of class. The payment schedule for summer is one-half (1/2) of the total amount is due at the time of registration, and one-half (1/2) is due prior to the start of the 3rd week of class. A $22.50 service charge is added to this payment. The Installment Plan is online at www.mwsu.edu/onlinepayments. Students who do not meet the required first payment by the twelfth class day of the regular semester or fourth class day of the summer semester will be voided from their classes. Students voided for non-payment and who are reinstated in their classes will be assessed a $100.00 reinstatement fee and a $25.00 late registration fee.
3. Emergency Tuition and Fee Loan - Complete, print, and submit the form to the Business Office for approval. The form may be accessed at http://www.mwsu.edu/busoffice/paymentplans. There will be a 1% service charge and a $22.50 loan origination fee added to the loan.

Once a payment plan option has been selected, no changes can be made to the payment plan, and charges for the plan are non-refundable.

Late Fees

A $30.00 late fee is charged if an installment or tuition and fee loan payment is made after the due date.

NOTE: Midwestern State University reserves the right to change fees in keeping with actions of the Texas State Legislature or the University Board of Regents.

Estimate of Cost Per Semester

**CATALOG CHANGE** - Updated as of Fall 2015:

Resident students taking 15 semester credit hours (Fall 2015)

Note: These prices are for a semi-private room in Killingsworth or Pierce Hall. The prices for Bridwell Courts, McCullough-Trigg Hall, Sundance Court, and Sunwatcher Village are higher. Please check with the MSU Housing Office for prices.

Students enrolling in graduate courses will be charged an additional $40.00 per semester credit hour above the statutory minimum rate ($50.00) for tuition.

*Course/Instructional Enhancement fees are a per semester hour charge based on each class. See “Other Fees ” for complete list.

**Room and board is subject to change yearly, and rates are not available until the February prior to the next fall semester. Contact the Housing Office for information concerning housing.

Registration Fees
(Includes Tuition and Mandatory Fees)

**CATALOG CHANGE** - Updated as of Fall 2015:

Following the end of the fixed rate period, the designated tuition rate will default to the current incoming freshman designated tuition rate at the time and will no longer be fixed beyond four consecutive semesters. For semesters after Fall 2014, only new and transfer students will be eligible for 16 semesters of fixed rate designated tuition. Re-enrolling students not enrolled Spring or Summer 2014, who return to MSU will be charged the same designated tuition as the current rate for the incoming freshmen each academic year.

The fixed rate designated tuition plan is valid for 16 consecutive semesters for new incoming students (and transfer students) enrolled for the first time in Fall 2014. Example: For a student whose first semester of enrollment is Fall 2014, this plan will expire after the Summer 2018 semester.

For more information regarding the fixed rate designated tuition plans, please go to the Business Office website.  If you further explanation, please call 940-397-4308.

Regular Sessions

Per Semester - Fall 2015

Full tuition and fees will be charged for each regular session in which a student is enrolled.

Summer Session

Per Summer Term - Summer 2015

Resident tuition for 2015-2016 will be $50.00 per semester hour.

Non-Resident tuition for 2015-2016 will be $440.00 per semester hour.

Distance Education (only) students will pay $50 per semester credit hour for tuition. Because distance education courses are online, students are not required to pay the Student Union/Center Fee or the Student Recreational and Health Facilities fee. Effective for Fall 2014, the Texas Legislature approved Senate Bill 1210 which states that recipients of Texas state exemptions and/or waivers must meet Financial Aid’s satisfactory academic progress (SAP) requirement of a grade point average (GPA) of 2.0 for undergraduate students and 3.0 for graduate students.

Midwestern State University reserves the right to change fees in keeping with the acts by the Texas Legislature or the University Board of Regents.

Registering under the proper residency classification is the student’s responsibility. If there is any question about classification as a resident of Texas, it is the student’s obligation to contact MSU Admissions prior to registration.

ALL CHARGES ARE SUBJECT TO CORRECTION IF NECESSARY, FOLLOWING AUDIT.

Other Fees

**CATALOG CHANGE** - Updated as of Fall 2015:

*Senior citizens 65 years of age or older may audit approved course(s) offered by Midwestern without payment of a fee if space is available.

Instructional Enhancement Fees

The instructional enhancement fee is charged according to the college in which the course is located and the credit hour value for that course.

Per Hour Charge for Instructional Enhancement Fees:

Per Hour Charge for Differential Instructional Enhancement Fees: 

Additional Fees:

AMUS (Applied Music) Fee - flat rate of $70.00.

Students taking distance learning classes are charged a fee of $50.00 per credit hour in addition to the instructional enhancement fees.

**see explanation

Degree Fees

Room and Board Charges (see information listed in the “Information and Description of Fees ” section.)

Testing Fees

Information and Description of Fees

**CATALOG CHANGE** - Updated as of Fall 2015:

Tuition Fee. Tuition for resident students, except as otherwise hereinafter provided, is $50.00 per semester credit hour for 2015-2016.

Tuition for non-resident students, except as otherwise hereinafter provided, is $440.00 per semester credit hour.

Oklahoma Residents. The Texas Higher Education Coordinating Board authorized Midwestern State University to charge all residents of Oklahoma the Texas in-state tuition rate, plus an additional $30.00 per semester credit hour. Residents of Oklahoma counties that border on Texas will be charged in-state tuition without the extra $30.00 per semester credit hour. These counties are Beaver, Beckham, Bryan, Choctaw, Cimarron, Cotton, Ellis, Harmon, Jackson, Jefferson, Love, Marshall, McCurtain, Roger Mills, Texas, and Tillman.

U.S. Non-Texas/Oklahoma Residents. The Texas Higher Education Coordinating Board authorized Midwestern State University to charge all residents of the United States, other than Texas or Oklahoma residents, the Texas in-state tuition rate, plus an additional $65.00 per semester credit hour.

Tuition for Repeated Hours. Following action by the 78^th Texas Legislature, universities no longer receive formula funding for semester credit hours or contact hours attempted by students who have enrolled in any course(s), other than non-degree-credit developmental course(s), containing the same content three or more times since the Fall Semester 2002. The Texas Higher Education Coordinating Board has determined that the following types of coursework are exempt from this provision: courses that involve different or more advanced content each time they are taken, including but not limited to, individual music lessons, theatre practicum, music performance, ensembles, certain physical education and exercise physiology courses, and studio art; independent study courses; and special topics and seminar courses. Students will be assessed an additional tuition charge of $150.00 per semester credit hour for courses taken at MSU for the third (or more) time since Fall semester 2002.

Excess Hours Beyond Degree Requirements. The Texas Legislature established that universities will not receive funding for students entering higher education in Fall 1999 or later who exceed 45 semester hours above the degree requirements. For students entering Fall 2006, this limit is 30 hours above the degree requirements. Effective Spring 2013, the Board of Regents has determined that MSU will assess an additional tuition charge of $150 per semester credit hour for excess semester credit hours in which students enroll above these limits.

Thesis Only. Tuition is $50.00 plus mandatory fees. (Texas Residents Only)

Designated Tuition. See Fixed Rate Designated Tuition Plans for description.

Remote Student Teaching Fee.  Effective Fall 2012, the Board of Regents of Midwestern State University authorized the charge and collection of a $500.00 fee from all students that are completing their student teaching requirement outside of the designated local area.

Student Service Fee. The Board of Regents of Midwestern State University is authorized to charge and collect fees from students to cover the cost of student services which the Board deems necessary or desirable in carrying out the educational functions of Midwestern State University. The fees charged and collected will be $15.50 per semester credit hour with a maximum charge of $250.00 for any one semester or summer session.

Student Services include such services as recreational activities, recreational sports, medical services, intercollegiate athletics, artist-lecture series, cultural entertainment series, musical activities, student publications, student government, and any other student activities and services specifically authorized and approved by the Board of Regents.

Student Center Fee and Student Union Fee are combined into a Student Union/Center Fee for a charge of $55.00 per semester or $27.50 for each term of the summer session for operating, maintaining, improving, equipping, and financing the Clark Student Center and for acquiring or constructing additions to the Center.

Student Orientation Fee.  The Board of Regents of Midwestern State University is authorized to charge and collect fees from every new undergraduate student (and every new transfer student) who enrolls at the university beginning Fall 2015.  The amount to be charged and collected with be $75.00 the student’s first term.

Student Property Deposit. The Board of Regents of Midwestern State University is authorized to charge and collect fees from students to insure the institution against losses, damages, and breakage in libraries and laboratories. The deposit charged and collected will be $10.00 at the time of enrollment. The deposit shall be returned on the withdrawal or graduation of a student, less any loss, damage, or breakage caused by the student. The deposit will be refunded only with a written request from the student, or the student may sign over the property deposit to the MSU Alumni Association for alumni programming.

Automobile Registration. All students, faculty members, and employees of the University who park or operate a motor vehicle on University property must register such vehicle and obtain and display as directed, a registration decal. This decal is not a parking permit and does not guarantee available parking space, but simply allows legal operation of a motor vehicle on University property.

Parking space for campus visitors and University guests is located behind and west of the Hardin Administration Building. Parking is also located off of Taft Blvd (east of the Hardin Administration Building) for the Welcome Center.

Student Recreational and Health Facilities Fee. The Board of Regents of Midwestern State University may charge each student enrolled at the University a Recreational and Health Facilities Fee not to exceed $130.00 per semester or summer session of longer than six weeks or $65.00 per summer session of six weeks or less. The fee may be used to finance, construct, operate, renovate, or maintain recreational and wellness facilities and programs at the University. The current rate is $120.00 per semester or summer session of longer than six weeks and $60.00 per summer session of six weeks or less.

Intercollegiate Athletic Fee. A fee of $10.00 per semester credit hour, not to exceed $120.00, will be charged and collected from students to cover the expenses of the athletic program.

University Services Fee. A fee of $60.25 per semester credit hour will be charged to cover various university services including, but not limited to, technology, library, publications, advising, international education, tutoring, supplemental instruction, and student support.

Incidental Fees. The governing board of a university of higher education may fix the rate of incidental fees to be paid under its governances by students and prospective students, and may make rules for collecting and distributing the fees.

Graduation Fee. A fee of $30.00 must be paid when a student files for graduation. No refunds will be made after the final date for application for graduation, or for students graduating in absentia. Caps and gowns may be purchased from the date of Imagine Graduation, forward. Online ordering is available via the MSU Bookstore at http://www.mwsu.edu/bookstore.

Reservation and Room Deposit. The housing reservation fee is necessary to reserve a room. Once a student occupies a room, the housing reservation/room deposit becomes indemnity for the University against housing damages. Room reservation/deposits will be refunded/forfeited based on the departure of the student in accordance to the housing cancellation policy. Students wishing to leave their deposits to reserve a room for a later date must notify the Office of Housing.

Room and Board Charges and Refunds. Room and board fees for the fall and spring semesters may be paid in full at the beginning of each semester (at registration) or through a selected payment plan. Refunds are based upon the date of departure as verified by the Office of Housing and only if a Housing Departure Notice has been approved and proper check-out procedures have been followed.

Room rent for the summer terms must be paid in full at the beginning of each term (registration).

Private Room. If available, private rooms will be assigned to students who request them. There is an additional fee for a private room in addition to the semi-private room that must be paid in full at the time of assignment even if the student selects an optional plan for payment of room and board fees. The additional charge for a private room will be prorated if the student is assigned to a private room after a semester has begun.

If a student is approved by the Director of Housing to move out of University housing and he/she officially checks out of his/her room, a refund of room and board charges will be based upon the date of clearance from the Housing Office and in accordance to the housing cancellation policy.

A student has a choice of three meal plans: (1) Block of 150 meals plus $250.00 declining balance (minimum required), (2) Block of 250 meals plus $100.00 declining balance, or (3) All Access plus $100.00 declining balance. The student selects the plan he/she wishes once they are assigned to University housing. A change in the meal plan selection can be made at the Office of Housing and Dining Services during the first two weeks of the semester. A student who lives in a University apartment is not required to purchase meal plans.

For additional information concerning housing requirements, facilities, reservations, deposits, and the current fee schedule, contact the Office of Housing, 3410 Taft Boulevard, Wichita Falls, TX 76308-2099 or at (940) 397-4217.

Registration Fee Refunds

Withdrawal Refunds. A student who officially withdraws from the University is eligible for refund of tuition and fees according to the following schedule:

*Prior to the first official class day.

Withdrawal refunds will be sent ACH to the bank account information on file at http://www.mwsu.edu/onlinepayments.

Dropped Course Refunds. A student dropping a course within the first 12 class days of a regular semester or the first 4 class days of a summer term is eligible for a refund of tuition and fees for the course dropped, provided the student remains enrolled at the University for that semester or term. If the first class day of the course or courses being dropped is later than the (12^th) twelfth class day of the semester (4^th day in summer), the date for dropping and receiving a refund will be determined by the date the class first meets. Audit fees are also refunded for dropped courses.

Title IV Refund Calculation. The refund calculation applies to any student who is attending the University, receives Title IV financial aid, and withdraws before completing at least 60% of the enrollment period. For more information, refer to the Financial Aid  section of this catalog or contact the Financial Aid Office.

General. Determining dates for refunds is based on the date the application for a refund is received by the Business Office. Refunds will not be made for parking permits or payment plan fees without notification from the appropriate office. Detection of errors during fee assessment is the responsibility of the student.

Exemptions from Registration Fees

Listed below are exemption programs available to Texas residents. To view exemption information, go to College for all Texans (http://www.collegeforalltexans.com/index.cfm?ObjectID=699A998A-E7F3-1DCC-3F460F26136EEA05), click on the Exemptions link, and then the specific exemption.

Please note: When visiting College for all Texans you may see additional exemptions that may not be available at this time at Midwestern State University. If you have questions regarding an exemption, please contact the Business Office at (940) 397-4101.

Adopted Students Formerly in Foster or Other Residential Care
Blind/Deaf Student Exemption Program
Children of Disabled or Deceased Firemen, Peace Officers, Game Wardens, and Employees of Correctional Institutions
Exemption for Highest Ranking High School Graduate
Exemption for Peace Officers Enrolled in Law Enforcement or Criminal Justice Courses
Exemption for Students Enrolled in Courses for Dual High School and College-Level Credit
Exemption for Student Under Conservatorship of the Dept. of Family and Protective Services
Exemption for the Surviving Spouse and Minor Children of Certain Deceased Public Servants (Employees)
Exemption from Irrelevant Fees
Exemption Program for Children of Professional Nursing Program Faculty and Staff
Exemption Program for Clinical Preceptors and Their Children
Exemption for Texas Veterans (Hazlewood Exemption)
Military: Children of U.S. Military Who are Missing in Action or Prisoners of War (MIA/POWs)
Military: Orphans of Texas Members of the U.S. Armed Forces or National Guard
Military: Texas National Guard Tuition Assistance Program

Waivers of Non-Resident Tuition

Listed below are waivers of non-resident tuition. To view waiver information, go to College for all Texans (http://www.collegeforalltexans.com/index.cfm?ObjectID=699A998A-E7F3-1DCC-3F460F26136EEA05), click on the Waiver Programs link, and then the specific waiver.

Please note: When visiting College for all Texans you may see additional waivers that may not be available at this time at Midwestern State University. If you have questions regarding a waiver, please contact the Business Office at (940) 397-4101.

Border County Waiver
Competitive Scholarship Waiver
Good Neighbor Scholarship Program
Mexican Citizens with Financial Need-Border County Waiver
Mexican Citizens with Financial Need-Border Nations Waiver
Military: After Assignment in Texas
Military: Assigned to Duty in Texas
Military: Honorably Discharged, Separated or Retired Veterans Who Move to Texas
Military: Member, Spouse or Child Who Remains Continuously Enrolled in Higher Education in Texas
Military: NATO Forces
Military: Persons Eligible for Veterans Educational Benefits, Their Spouses and Children Who Move to Texas
Military: Radiological Science Students of Midwestern State University
Military: Spouse and Dependents Who Previously Lived in Texas
Military: Survivors
Out-of-State Military: If Family Intent is to Make Texas Home
Research Assistants and Teaching Assistants Waiver
Tuition Waiver for Students from Neighboring States Continuing Upper Level Undergraduate Studies
Waiver for College Faculty and Their Dependents
Waiver for Nonresidents Enrolled in Texas Public Universities Located within 100 Miles of the Texas Border
Waiver for Students from Mexico Enrolled in Graduate Degree Programs in Public Health
Waiver of Nonresident Tuition for Foreign Service Officers Stationed in Mexico Attending Public Institutions of Higher Education in Texas

Tuition Rebate

Tuition Rebate for Certain Undergraduates

A qualified student who enrolled for the first time in an institution of higher education in Fall 1997 or later is eligible for a rebate of up to $1,000.00 of the undergraduate tuition the student has paid if the student

1. is awarded a baccalaureate degree from a general academic teaching institution,
2. has attempted no more than three hours in excess of the minimum number of semester credit hours required to complete the degree, including repeats, drops or withdrawals, transfer credits, and course credit earned exclusively by examination in excess of nine semester hours; excluding ROTC hours and credit earned prior to graduating from high school,
3. has been classified as a resident of the state of Texas at all times while pursuing this degree, and
4. entering Fall 2005 or after, graduates in 4 consecutive years, as is mandated in the Texas B-On-Time financial aid program.

Tuition Limit

Concurrent Enrollment in Two Public Institutions of Higher Education

When a student registers at more than one public institution of higher education at the same time, the tuition charges shall be determined in the following manner:

1. The student shall pay the full tuition charge to the first institution at which the student is registered, and in any event shall pay an amount at least equal to the minimum tuition.
2. If the minimum tuition charge at the first institution is the same as or greater than the minimum tuition charge at the second institution, then no minimum charge is to be assessed by the second institution but rather only the per hour charge for the courses involved will be assessed by the second institution.
3. The student shall first register at the institution with the lower minimum tuition charge and the second institution shall assess only the difference between the total tuition charges at the first institution and those of the second institution, except that in no case shall the student pay the second institution less than the hourly rates for the courses involved.
4. If a student is considered to be a Texas resident and therefore qualified to pay, the student shall be considered a Texas resident at each of the institutions at which he/she is concurrently registered for the purposes of determining the proper tuition charges.

Application for this program should be made at the Office of the Registrar well in advance of registration. Normally the fee slip from the first institution will suffice as proof of registration at the institution.

Financial Aid

The Financial Aid Office (FAO) is located in the Hardin Administration Building, South Wing, Room 102, (phone: (940) 397-4214, or visit http://www.mwsu.edu/finaid, or email: financial-aid@ mwsu.edu). The MSU Financial Aid Office (MSU-FAO) mission is to remove the financial barriers which could potentially prevent a student from pursuing higher education. Financial aid consists of grants, scholarships, long-term and short-term loans, and part-time employment. Aid is awarded to cover existing differences between the cost of attending MSU and the resources available to the student/spouse or the student/parents. Each aid application is handled on an individual basis to determine a suitable award which may be one type of aid or a combination (“package”) of aid.

Financial aid applicants must be accepted for admission to the University and submit all required paperwork to the MSU-FAO before any aid commitment can be made. Summer guest students and students concurrently enrolled while still attending high school are not eligible to receive financial aid.

For FINANCIAL AID PURPOSES, a student’s enrollment status is defined as below, and financial aid awards will be determined based on this enrollment status. NOTE: This financial aid enrollment status may differ from the academic enrollment status  .

PRIORITY APPLICATION DEADLINES: Priority dates benefit the student by allowing adequate processing time for federal and state programs. Awards are made based on the availability of funds and as time permits. For maximum consideration of available funds, the application forms should be completed and the results in the Financial Aid Office by the following dates:

COST OF ATTENDANCE: A student’s cost of attendance (COA) is an average of a student’s MSU educational expenses for a specific period of enrollment. The COA is the cornerstone of establishing a student’s financial need, as it sets a limit on the total aid that a student may receive. A student’s COA will include an average allowance for: tuition/fees, room/board, books/supplies, transportation, and personal/miscellaneous expenses. The MSUFAO annually determines the COA based on current university costs. Visit http://www.mwsu.edu/finaid/msu-coa for more information.

APPLICATION PROCEDURES: For determination of aid eligibility, the Free Application for Federal Student Aid (FAFSA) must be filed YEARLY. The application should be filed at the beginning of each calendar year to allow for processing time (approximately 2-3 weeks). The FAFSA application may be completed online at http://www.fafsa.ed.gov and submitted electronically. The student may be required to provide additional forms which may be needed to determine financial aid eligibility for available funds. After the application information is confirmed and eligibility determined, the student will receive details of the award(s) the student may be eligible to receive for the upcoming award year. MSU’s award year consists of the fall semester, spring semester, and summer terms combined, respectively. A student may follow the progress of the financial aid application via MSU’s Portal (myMWSU) at https://my.mwsu.edu/web/mycampus/home. Once on the myMWSU page, login with User Name and Password, and then under “Take me to”, click on Banner WebWorld. Or, once on the myMWSU page, click on WebWorld PIN Login (under Students, Direct Login) and enter User ID (Mustang ID) and PIN (initially set as date of birth - mmddyy).

REFUND AND REPAYMENT POLICY: WITHDRAWAL PROCESS: Any student who desires to withdraw from the University must report to the Dean of Students Office located in the Clark Student Center, Room 104. Following an exit interview with the Dean’s Office, the student will be issued a copy of the Official Withdrawal Request form and the Dean’s Office will forward a copy of the withdrawal form to the necessary University offices (Business Office, Financial Aid Office, and Registrar’s Office). Any student withdrawing from the university during a refund period will have the refund amount credited to the student’s account. The remaining balance is due by the next billing date. Only required tuition and fees are refundable; refunds are not made for payment plan service charges, vehicle registration, late registration fees, or reinstatement fees. A late fee will be charged if the amount due is not paid by the due date. If possible, a student who has received a prior student loan(s) will be required to visit with the Financial Aid Office to complete an Exit Interview session. A student who is not able to report to campus may have the withdrawal request processed via phone or email but will still be required to complete an online Exit Interview session with the Financial Aid Office. Upon receipt of the withdrawal form in the Financial Aid Office, the appropriate federal and/or state refund calculation will be performed to determine if the student must repay all or part of the aid awarded, as detailed below. Refer to the information below regarding the FEDERAL “RETURN OF TITLE IV AID” POLICY to determine if you will be required to repay any financial aid monies as a result of withdrawal from the University.

A student who withdraws or is administratively withdrawn from Midwestern State University (MSU) may be eligible to receive a refund for all or a portion of the tuition, fees and room/board charges that were paid to MSU for the semester. HOWEVER, if the student received financial aid (federal/state/institutional grants, loans and/or scholarships), all or a portion of the refund may be returned to the financial aid programs. As described below, two formulas (federal and state) are used to determine the amount of the refund. (Examples of each refund calculation will be made available upon request.)

FEDERAL “RETURN OF TITLE IV AID” POLICY: The federal refund formula is applicable to any student receiving Title IV aid, which includes the Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, TEACH Grant, Federal Perkins Loan, Federal Direct Loans (Subsidized and/or Unsubsidized), and Federal Direct PLUS Loans (Parent or Graduate); this refund calculation excludes Federal Work-Study. The federal refund formula provides a return of Title IV aid if the student withdraws, is administratively withdrawn, or voluntarily ceases attendance in all classes before completing more than 60% of the semester. If any refund remains after the required return of the Title IV aid, the refund will then be used to repay other state/institutional grants and/or scholarships, as detailed below in the State Refund Policy. If any financial aid funds are released to the student prior to the student’s withdrawal (via a refund check as a result of a credit balance on the student’s account), the student may then be required to repay all or a portion of the financial aid funds that had been previously released to the student. A student not receiving Title IV aid will have his/her refund calculated using only the State Refund Policy, as detailed below. Additional details regarding these refund policies are available at http://www.mwsu.edu/finaid/withdrawal-policy.

STATE REFUND POLICY: A student who withdraws from the University will receive a pro-rated refund of tuition, fees, and room/board charges, in accordance with the schedule shown here .

DISTRIBUTION OF FUNDS: If a student is entitled to receive a refund in accordance with the Federal and/or State Refund Policy, as described above, the refund must be applied to the appropriate program in the following order:

1. Federal Direct Unsubsidized Loan
2. Federal Direct Subsidized Loan
3. Federal Perkins Loan
4. Federal Direct PLUS Loan (Graduate Student)
5. Federal Direct PLUS Loan (Parent)
6. Federal Pell Grant
7. Federal Supplemental Educational Opportunity Grant
8. Federal TEACH Grant
9. Other Title IV Aid
10. Other State/Institutional Aid

SATISFACTORY ACADEMIC PROGRESS: The Higher Education Act of 1965, as amended, mandates institutions of higher education to establish policies to monitor the academic progress of students who apply for and/or receive federal financial aid. MSU makes these minimum qualitative and quantitative standards applicable to all federal, state, and institutional financial aid programs for the purpose of maintaining a consistent policy for all financial aid applicants. These minimum standards include

1. Cumulative Grade Point Average (GPA) must be 2.00 for the Undergraduate program and 2.00 for the 2nd Baccalaureate and 2.50 for the Teacher Certification program and 3.00 for the Graduate program.
2. Maximum Time Frame for Degree/Certificate Completion is no more than 150% of the number of credit hours required for graduation in the program of study, unless otherwise specified by program requirements.
3. Successful Credit Hour Completion Rate must be 67% of all attempted course work.

NOTE: Though this policy establishes the minimum standards for all financial aid programs at MSU, individual aid programs may have other qualitative and quantitative standards specific to the program as mandated by law or the program’s governing entity. Such programs include, but are not limited to, the TPEG Grant, the GOLD funds, the TEXAS Grant programs, the Texas B-On-Time Loan program and the TEACH program. Information concerning the minimum standards of these specific programs can be obtained from the MSU-FAO.

Satisfactory progress requirements are monitored for ALL enrollment periods, including those for which financial aid was not received. A student’s financial aid eligibility will be determined in accordance with the number of credit hours that pertain to the current degree program. A student who has not made satisfactory progress at the end of a semester will be placed on Financial Aid ‘Warning’; if a student fails to make satisfactory progress by the end of a subsequent semester, the student will be placed on Financial Aid ‘Suspension’ and lose eligibility for future aid. An appeal, which must be made in writing and accompanied by supporting documentation, may be made to the Financial Aid Office Appeal Review Committee if a student believes that extraordinary circumstances have affected his/her ability to make satisfactory progress. If the appeal is approved by the Committee, the student will be placed on Financial Aid ‘Probation’ and will regain eligibility for financial aid. If the appeal is denied by the Committee and the student believes the decision of the Committee to be inappropriate, the student may request to have the appeal presented before the Financial Aid Advisory Appeals Committee (FAAAC). The student may obtain information regarding the FAAAC from the MSU-FAO.

A copy of the complete and current Satisfactory Academic Progress Rules can be obtained at http://www.mwsu.edu/finaid/sap. These rules are subject to change in accordance with federal, state and institutional policy.

Types of Financial Aid

Grants

(do not require repayment)

Federal Pell Grant: Need must be established by filing the FAFSA. Awarded only to undergraduate students who have not earned a bachelor’s degree or professional degree (such as pharmacy or dentistry). Pell Grants provide a foundation of financial aid to which other aid may be added.

Teacher Education Assistance for College and Higher Education (TEACH) Grant: Not need-based but FAFSA application is required; awarded to eligible students majoring in designated MSU Education programs. The student must commit to a 4-year service obligation within 8 years of program completion and be a full-time teacher in a high-need field at a low-income school; failure to complete the service obligation will require repayment of the TEACH Grant under the auspices of the Federal Direct Unsubsidized Loan program. Additional information is available at http://www.mwsu.edu/finaid/teach-grant.

Federal Supplemental Educational Opportunity Grant (FSEOG): Need must be established by filing the FAFSA. Available to eligible undergraduate students who have maximum need and are eligible for funds in addition to the Federal Pell Grant.

Toward Excellence, Access, & Success Grant (TEXAS): Need must be established by filing the FAFSA. A state grant program available to Texas residents who graduated from a Texas high school no earlier than Fall 1998 and completed the recommended or advanced high school curriculum or its equivalent. Additional information is available at http://www.collegeforalltexans.com.

Mustangs Guarantee Tuition Program: Need must be established by filing the FAFSA. Available to beginning freshmen or undergraduate transfer students new to MSU who have not already received a baccalaureate degree; students must be accepted for admission to MSU in a Summer, Fall, or Spring semester and be Texas residents, Pell Grant eligible, and whose family’s combined annual Adjusted Gross Income (AGI) is $50,000 or less. Student must have a complete financial aid file on or before May 31 (for new or transfer students to the FALL semester) or December 15 (for new or transfer students to the SPRING semester), which includes the submission of all required documents if chosen for verification by the federal processor or the MSU Financial Aid Office, including, but not limited to, a complete and signed Verification Worksheet, student/parent tax return TRANSCRIPT (1040 tax return forms can no longer be accepted). The Mustangs Guarantee Tuition Program will cover the remaining balance of any tuition and mandatory fees (for up to 15 credit hours each semester for up to four academic years - summer terms not included) that are NOT covered by other grants, scholarships (all sources), exemptions, benefits, and/or waiver programs received by the student. Additional information is available at http://www.mwsu.edu/finaid/m-guarantee.

Texas Public Educational Grant (TPEG) for Resident and Non-Resident: Need must be established by filing the FAFSA. Available to eligible students in addition to, or in place of, the Federal Pell Grant.

Texas Public Educational Grant (TPEG) for International Students: Not need based per FAFSA requirements but need must be determined via MSU application procedures. Interested students should contact International Services or the MSU-FAO; selections are made by the TPEG International Grant Committee.

Top 10% Scholarship: Need must be established by filing the FAFSA. Provided by the Texas Higher Education Coordinating Board, the Top 10% Scholarship encourages students who graduate in the top 10 percent of their high school class to attend a Texas public institution of higher education. Qualifying students who submit the Free Application for Federal Student Aid (FAFSA) or Texas Application for State Financial Aid (TASFA) by March 15 and have financial need are entitled to a scholarship if they enroll full-time in a Texas public college or university. Students who submit the FAFSA after March 15 will be awarded on a first-come, first-served basis until available funds have been spent. Additional details are available at http://www.collegeforalltexans.com.

Other Federal, State, and Institutional Grants/Scholarships: Need must be established by filing the FAFSA. Available to eligible students in accordance with program and institutional requirements. These grants include

• FDR Grant/Scholarship
• Boren Grant/Scholarship
• Student Property Deposit Grant
• Texas Coordinating Board Nursing Scholarships (as funded by the Texas Higher Education Coordinating Board)
• 5^th Year Accounting Grant/Scholarship
• DAR Grant/Scholarship
• MSU Gold Grant/Scholarship

Academic and/or Athletic Scholarships

(do not require repayment)

Academic Scholarships: University scholarships are available in recognition of a student’s academic achievement, special abilities as indicated by the applicant’s academic transcript, entrance exam scores, participation in extracurricular activities, and other criteria as defined by specific scholarship programs. Students should seek information about scholarship applications and deadline dates through the academic departments at http://www.mwsu.edu/academics and the Office of Donor Services at http://www.mwsu.edu/donations/scholarship-apps. A scholarship recipient may be held responsible for repayment of all scholarship funds awarded if their academic and/or enrollment status changes during the term in which the scholarship is received.

Athletic Scholarships: Generally awarded based on the student’s athletic ability and academic standards set by the NCAA and Midwestern State University. Information regarding athletic scholarships can be obtained from the Head Coach (available at http://msumustangs.com/) of the particular sport.

Community and service organizations also offer scholarships, but a student should apply early and know the deadlines. With a little work, a student can obtain scholarships to help fund his/her college education. Many websites are available to help students search for scholarships; visit http://www.mwsu.edu/finaid/scholarships for more details.

Student Consumer Information

Midwestern State University is required to provide all enrolled MSU students a list of consumer information and the appropriate MSU offices to contact to obtain this information. Student consumer information can be found at http://www.mwsu.edu/finaid/additional-consumer-resources.

Loans

(require repayment)

Federal Direct Subsidized Loan: Need must be established by filing the FAFSA prior to processing the loan’s Master Promissory Note (MPN). The loan funds are obtained and disbursed through the FAO in cooperation with the federal government, which serves as the lending institution. A student must be enrolled at least half-time to receive this loan. Repayment of principal and interest begins after the student ceases to be enrolled on at least a half-time basis and a six-month “grace period” has expired. Note: Graduate degree-seeking students are not eligible to receive the subsidized loan. Additional information regarding this loan program, including the maximum timeframe to receive this loan during the student’s college career, is available at http://direct.ed.gov/student.html.

Federal Direct Unsubsidized Loan: Not need-based, but eligibility must be determined by filing the FAFSA prior to processing the loan’s Master Promissory Note (MPN). The loan funds are obtained and disbursed through the FAO in cooperation with the federal government, which serves as the lending institution. A student must be enrolled at least half-time to receive this loan. Repayment of interest is encouraged as it accrues while the student is enrolled. Repayment of principal begins after the student ceases to be enrolled on at least a half-time basis and a six-month “grace period” has expired. Additional information regarding this loan program is available at http://direct.ed.gov/student.html.

Federal Direct PLUS Loan: Not need-based, but eligibility must be determined by filing the FAFSA prior to processing the loan’s Master Promissory Note (MPN). Available to the parent of an enrolled, dependent student; graduate and professional students are eligible to apply as well. The loan funds are obtained and disbursed through the FAO in cooperation with the federal government, which serves as the lending institution. A student must be enrolled at least half-time to receive this loan. Repayment of interest begins within 60 days from the date the loan funds are fully disbursed each year; principal repayment can be deferred under certain conditions. Additional information regarding this loan program is available at http://direct.ed.gov/student.html.

TEXAS B-On-Time Loan: Need must be established by filing the FAFSA. Provides eligible Texas students with no-interest loans; if the student meets specified goals, the entire loan can be forgiven upon graduation. Student must be a Texas resident, enrolled full-time and must have graduated under the recommended high school program from a public or accredited high school in Texas OR have graduated in the 2002-03 academic year or later from a high school operated by the U.S. Department of Defense OR have earned an associate’s degree from an eligible institution no earlier than May 1, 2005. Additional information is available at http://www.hhloans.com.

Federal Perkins Loan: Need must be established by filing the FAFSA. At MSU, priority for the Perkins Loan will be given to students who maintain a minimum 3.0 cumulative GPA and who are seeking a Teaching or Nursing degree. Following a grace period, repayment of principal and interest begins after the student ceases to be enrolled at least half-time. The interest rate is 5% and is processed and collected through Panhandle Plains Higher Education Authority (PPHEA) in conjunction with the MSU-FAO.

College Access Loan (CAL): Not need-based, but eligibility must be determined by filing the FAFSA. Student must be a Texas resident and enrolled at least half-time. The loan plus other financial aid may not exceed the Cost of Attendance (COA) as determined by the University. Interest rate is determined by the Texas Higher Education Coordinating Board. Additional information is available at http://www.hhloans.com.

Alternative Private Loan: Not need-based. Offered as an alternative loan program when the student/parent is no longer eligible to receive the above-mentioned loans. Eligibility criteria vary among lenders; contact MSU-FAO for complete details or visit http://www.mwsu.edu/finaid/alt-loans.

MSU Payment Plans

(require repayment)

Emergency Tuition and Fee Loan (ETFL): A short-term loan that is administered by the MSU Business Office and allows the student to defer up to 100% tuition and fee expenses only (excludes on-campus room and board expenses and the Student Property Deposit fee). A $22.50 loan origination fee and a 1% service charge are added to this loan. Repayment is due as scheduled during the semester or summer term(s) in which the loan is made, or upon official withdrawal from the University. After completing the ETFL Contract ONLINE (available at http://www.mwsu.edu/busoffice/paymentplans), the student must print and sign a promissory note which must be delivered to the MSU Business Office for additional processing.

Installment Plan: A short-term payment plan that is administered by the MSU Business Office and that can be used to defer payment of tuition and fees and/or on-campus room and board. Repayment is due as scheduled during the summer terms or semester in which it is borrowed, or upon official withdrawal from the University. A $22.50 service charge is added to this payment. The Installment Plan contract is available at the MSU Business Office, or it can be accessed and submitted online at http://www.mwsu.edu/busoffice/paymentplans.

Students who do not meet the required first payment by the twelfth class day of the regular semester or fourth class day of the summer semester will be invalidated from their classes. Students invalidated for non-payment and who are reinstated in their classes will be assessed a $100.00 reinstatement fee and a $25.00 late registration fee.

Book Loan Vouchers: Book Loans are available to students whose financial aid refund checks are not over $600 - OR - if the student is not receiving financial aid but needs additional assistance with purchasing books due to extenuating circumstances. Repayment is due as scheduled during the semester or summer term(s) in which it is borrowed or upon official withdrawal from the university. Book Loan forms (available at http://www.mwsu.edu/finaid/bookvoucher) must be printed and completed and a copy of the completed form taken to the MSU Bookstore (located in the Clark Student Center) for additional processing. Faxed copies WILL NOT be accepted unless the student is a Distance Education student. (NOTE: DISTANCE EDUCATION STUDENTS - if the student selects Financial Aid as the payment option for textbooks but the refund check is less than $600, and thereby the student wants to use the Book Loan Voucher, the student MUST print and complete the form (available at http://www.mwsu.edu/finaid/bookvoucher) to secure textbook purchases. Remember to fax the completed Book Loan Voucher form to the MSU Bookstore at 940-397-4683 at which time the textbook purchase will be completed. The student will receive an email confirmation from the MSU Bookstore that the textbooks have been processed and are ready to ship or are ready for pick up.

Part-time Employment

College Work-Study: Need must be established by filing the FAFSA. Federal and state programs offer up to 20 hours per week of on-campus/off-campus employment. Early applicants have the maximum opportunity to receive college work-study funds as part of an overall financial aid package. Additional information regarding work-study jobs is available at http://www.mwsu.edu/finaid/cwsjobs.asp.

Off-Campus/On-Campus Employment: Not need-based. Interested students should contact the MSU Career Management Center at (940) 397-HIRE (4473), located in the Clark Student Center, Room 108. Additionally, the Career Management Center offers the Mustangs HIRE job announcement system (http://www.mwsu.edu/career/mustangs-hire).