Current Students | Faculty and Staff | Alumni | Parents

2004-2005 Course Catalog

Financial Aid


253.535.7134
www.plu.edu/~faid

Recognizing that many students who want to attend Pacific Lutheran University would be unable to meet all expenses of enrollment from personal or family sources, the university attempts to provide financial assistance to all eligible students. Any student approved for enrollment or currently enrolled may request financial aid. Approximately 90% of the university's students receive help in the form of gift assistance (that is, scholarships, artistic achievement awards, or grants), low-interest deferred loans, or employment. In many cases a financial aid award will be a combination of these forms of assistance.

The offer of financial aid is based on the cost of attendance, which is the university's estimate of how much it costs students in various circumstances to attend PLU. A student's resources are subtracted from the projected costs to determine financial need.

Several different budgets are used, taking into account a student's tuition, the cost of books, supplies, housing, food, transportation, and personal expenses.

Parents' contributions are computed for all dependent students by the federal processor. It is based on a federally established formula for determining parental ability to contribute toward a student's education. The university also expects students (and their spouses, if married) to contribute toward expenses.

All applicants are offered the maximum amount of aid for which they qualify, as funds permit.

If financial circumstances change, students may contact the Financial Aid Office to discuss their situation with a financial aid administrator at any time.

If students or their families have unusual circumstances (such as loss of employment or major medical expenses) that might affect the need for student financial aid, the Financial Aid Office should be contacted. Unusual circumstances must be described in writing, with the student's name, student ID number, and all pertinent dollar amounts indicated.

Students who receive scholarships from sources outside the university must inform the Financial Aid Office in writing with the name of the scholarship and the yearly amount. In most cases, PLU may be required by federal regulations to adjust a financial aid package. Loans and work study will be adjusted first. Scholarships and grants will be adjusted only as a last resort.

Financial assistance is available to all qualified students regardless of race, color, creed, religion, gender, national origin, age, mental or physical disability, marital status, sexual orientation, or any other status protected by law.

Application Procedure

Students must apply for financial aid each year by completing a new Free Application for Federal Student Aid (FAFSA), Renewal FAFSA, or doing FAFSA on the Web. Need based aid is not automatically renewable. Paper FAFSAs are generally available in December for the upcoming academic year. Applications must be submitted by the following priority-funding deadlines for PLU to be considered for maximum funding.

Entering First-year Students:

Mail FAFSA or do FAFSA on the Web no later than January 31 for the upcoming academic year.

Entering Transfer Students:

Mail FAFSA, Renewal FAFSA, or do FAFSA on the Web no later than January 31 for the upcoming academic year.

PLU Continuing Students:

Mail FAFSA, Renewal FAFSA or do FAFSA on the Web no later than February 15 for the upcoming academic year.

For FAFSA on the Web, go to http://www.fafsa.ed.gov.

An application for financial aid may be completed at any time, but failure to meet the priority date may result in a reduction of aid even though need is demonstrated. The Financial Aid Office will consider all applicants for any award for which they might be eligible. Aid awards are for one year and most are renewable, provided reapplication is completed on time, financial need continues, and satisfactory academic progress is maintained. Aid is not automatically renewed each year.

Notification of Award Decisions
  1. Award decisions for first-year and transfer students who meet the February 1 completion date will be made in March, and actual notification will be mailed the first week in April.
  2. Financial aid decisions for continuing PLU students are made during April and May. Notifications are sent out beginning in June
Validating the Aid Offer

Aid offers must be validated by returning the signed Offer of Financial Aid. First-year and transfer students must also submit the $200 advance payment required by the Office of Admissions. This should be done as soon as possible, but must be received by May 1. No advance payment is required from continuing students. All students must complete a satisfactory payment arrangement with the Student Services Center. Applicants who do not return their acceptance of an award by the reply date specified will have their awards cancelled. If an applicant later decides to reapply, the application will be reviewed with the group currently being processed.

Aid, with the exception of College Work Study and Washington State Need Grants, is credited to the student's account when all paperwork has been completed. Half of the award is disbursed each semester. Parents and students are responsible for the charges in excess of the award.

In some cases aid is awarded in excess of direct university charges to help with living expenses. To expedite a refund students can request remaining funds from their account by contacting the Student Services Center.

Under federal regulations, adjustments to an award package must be made if a student receives additional awards of aid from sources external to the university. In every case, however, the Financial Aid Office will attempt to allow the student to keep as much of the award package as possible. By treating aid received from external sources in this way, additional awards from the university's resources can be made to other qualified students.

Rights and Responsibilities

The basic responsibility for financing an education at PLU rests with students and their families. In addition to expected contributions from parents or guardians, students are expected to assist by contributing from their savings and summer earnings. Financial assistance from the university is therefore supplementary to the efforts of a student's family. It is provided for students who demonstrate need.

Additional rights and responsibilities of financial aid recipients include:
  1. Signing and returning each financial aid notice received.
  2. Declining at any time any portion of an award.
  3. Notifying the Student Services Center in case of a change in credit hours attempted; a change in marital status; a change in residence (off-campus or at home); or receipt of additional outside scholarships.
  4. Providing a copy of their parents' income tax return (Form 1040) and/or a copy of their own individual income tax return if requested.
Satisfactory Progress policy

The policy of the university is to allow students to continue receiving financial assistance as long as they are in good standing. To do otherwise could cause a severe hardship on students who must devote their efforts to achieving satisfactory grades. However, no institutional grants will be awarded to students with cumulative grade point averages below 2.00. Moreover, federal regulations require that after four terms or more of attempted enrollment, students below 2.00 cumulative grade point average will have their federal financial aid revoked. Pacific Lutheran University's Schools of Business and Education require a minimum grade point average of 2.50.

To be given priority for most types of financial aid, an applicant must be enrolled as a full-time student. For Federal Financial Aid programs, a full-time student is defined as any person enrolled for a minimum of 12 credit hours or more per semester. Adjustments in an award may be made during the year if an aid recipient has not enrolled for a sufficient number of credit hours. However, each financial aid recipient must maintain satisfactory academic progress in the course of study he or she is pursuing in order to continue to receive financial assistance awarded by the Pacific Lutheran University Financial Aid Office.

The following requirements are expected of each financial aid recipient:

To make satisfactory progress toward a degree, an undergraduate student must complete 24 semester hours of credit each academic year. For this purpose, an academic year is defined as the fall semester and the spring semester. Financial aid is awarded for 34 hours to complete a bachelor's degree in four years.

For full-time undergraduate students receiving financial aid, the maximum number of credit hours that may be attempted is 192 and the maximum time frame for completing a baccalaureate degree is six years. Even if a student changes his or her major or academic program, only 192 credit hours may be taken qualifying for financial aid, and the maximum time frame of six years for receiving a degree is enforced. Some financial aid programs (e.g., most university gift aid programs) allow aid to be awarded a maximum of four academic years for entering first-year students, and two years for entering transfer students or a maximum of 153 hours.

For part-time undergraduate students, a minimum of 12 credit hours must be completed each academic year and a degree must be achieved within a maximum time frame of 10 years. (The maximum number of credits allowable is 192.)

Undergraduate Need-Based Credit Completion Requirements
Enrollment Status Minimum per term Minimum per year
Full-time 12
24
3/4 time 9
18
1/2 time 6
12
Less than 1/2 time* All credits attempted All credits attempted
* Less than 1/2 time enrollment applies to the Pell Grant Program only. Less than 1/2 time enrollment will cause a student's loan to be canceled and may jeopardize deferment status.

Satisfactory progress is reviewed for financial aid purposes after the end of spring semester. For Washington State Need Grants, the Washington State Work Study Program, Educational Opportunity Grand (EOG), Washington Scholars, Wave, TRIO, and any other State of Washington funded program, satisfactory progress is reviewed at the end of each semester.

The following grades do not indicate successful completion of academic credit applicable toward a degree: incompletes (I), withdrawals (W), unofficial withdrawals (UW), and grades of E and F.

Any courses in which grades are received are, however, included in the maximum number of credits that may be attempted (192) and are considered to be within the maximum time frame allowable for achieving a degree (six years).

All credits earned by examination, which are applicable toward a degree, will be included in the limitation on credits that can be attempted while eligible for financial aid.

Once a course has been completed successfully, the credit hours earned are counted toward the maximum number of hours which can be taken under financial aid eligibility. If a course is successfully completed more than once, it is counted only once toward a student's degree requirements and toward the maximum number of hours that can be taken under financial aid eligibility.

The university's curriculum includes very few noncredit courses or courses whose credit hours are not applicable to a degree. If any such courses are taken by financial aid recipients, the hours will be included in the limitation on credits that may be attempted and will be considered within the time frame allowable for achieving a degree.

In the event that a student fails to meet the criteria for satisfactory progress during a particular semester, he or she will be placed on financial aid probation. Failure to regain satisfactory financial aid academic status will result in the cancellation of financial aid.

Once unsatisfactory financial aid progress has been determined, students receive official notification. Students who have had their aid denied due to unsatisfactory progress may apply for reinstatement by submitting a letter of petition to the Financial Aid Office.

Students whose financial aid has been denied may petition for reinstatement of their aid in one of two ways:

  1. they may complete one semester of full-time enrollment using their own financial resources, or
  2. they may submit an appeal to the Financial Aid Office documenting the unusual circumstances which have made it impossible to make satisfactory progress during the semester in question.

Summer sessions may also be used as terms during which a student on financial aid probation may regain satisfactory academic status. However, students enrolling in summer sessions for this purpose must use their own financial resources and are ineligible for financial aid through the university.

Scholarships, Grants, Loans, & Work Study

Your Aid Package

Students are usually eligible for several different types of aid from various sources; therefore we offer a financial aid "package" of funds. Funds you are offered will depend on a number of factors, including your status as an undergraduate or graduate student, the funds available at the time you applied, and the amount of financial need. An expected family contribution is derived using a federal formula applied to your FAFSA information. As you review your offer, refer to the following explanation of most commonly awarded funds.

Scholarships and Grants

Scholarships and grants are funds that do not have to be repaid. A student's package includes gift money whenever guidelines and funding levels permit.

To receive PLU grant or scholarship assistance, students must be admitted to PLU and full-time, taking a minimum of twelve non-repeated credit hours each term. PLU awards gift assistance for 12-17 hours per term for the academic year (fall/spring) only. In addition, unless otherwise noted, the scholarships and grants listed below are need-based and are available to first-degree undergraduates only. Recipients must maintain satisfactory academic progress as defined in the catalog by Financial Aid.

Institutionally controlled scholarships and grants are provided by the university and/or university donors. If it is determined that all or a portion of a student's award is provided by a designated or named source, an updated offer of financial aid will be sent.


PLU Scholarships and Grants (Academic, Artistic, Entitlements, and Donor Funded

The maximum PLU gift amount established for each student at the time of admission may be met by one or more of the following PLU funding sources:
    Regent's Scholarship
    President's Scholarship
    PLU Academic Scholarship
    Artistic Achievement Award
    Faculty Merit Award
    PLU Grant
    National Merit Scholarship
    Phi Theta Kappa Scholarship
    PLU Achievers Matching Grant
    Alumni Dependent Grant
    Clergy Dependent Grant

This gift amount is guaranteed for up to 3 additional years provided the student maintains Satisfactory Academic Standing.

Example:
    1. Suzie Smith – $12,000 PLU Gift Award
       Aid Package
       $500 Alumni Dependent Grant
       $1,000 Clergy Dependent Grant
       $3,000 Artistic Achievement Award
       $5,500 PLU Academic Scholarship
       $2,000 National Merit Scholarship
       __________________________________
       $12,000 Total PLU Gift Amount

    2. Sam Jones – $5,000 PLU Gift Award
       Aid Package
       $1,000 Clergy Dependent Grant
       $2,000 PLU Achievers Matching Grant
       $2,000 PLU Academic Scholarship
       ________________________________      
       $5,000 Total PLU Gift Amount

All or a portion of the above funds may be renamed at any time during your enrollment to honor a major contributor of scholarship funds at PLU.

REGENTS' AND PRESIDENT'S SCHOLARSHIPSare awarded to first-year (freshman) students in recognition of outstanding academic achievement, leadership and service in high school and in anticipation of continued excellence at PLU. Students who met the following basic requirements are invited to apply: application for admission postmarked by December 15; 3.8+ GPA at the time of admission; 1250+ SAT or 28+ ACT; and U.S. citizen or permanent resident. Application for admission and scholarship materials must be postmarked by January 3.

The Regents' Scholarship is awarded to cover the full cost of tuition up to 17 credits per term (fall and spring) for the academic year and 5 credits in J-term. Renewable for three years of undergraduate study provided a 3.30 cumulative PLU GPA is maintained.

The President's Scholarship is awarded for the academic year. Amount varies. Renewable for three years of undergraduate study provided a 3.30 cumulative PLU GPA is maintained. First-year to Sophomore 3.00 GPA is renewable on a probation status. Sophomore and beyond if GPA falls below 3.30 the award is renamed the PLU Grant and the amount freezes at the time the student becomes ineligible.

PLU ACADEMIC SCHOLARSHIPS are awarded to admitted first-year (freshman) and transfer students, based on academic standing at the time of admission. Student must be U.S. citizen or permanent resident and receive an offer of admission by March 1. Renewable for up to 3 years. 3.30 GPA to renew at the same amount and name. If is required for renewal. Financial need is not a determining factor.

PLU GRANTS are awarded to replace PLU merit funding in whole or in part when a student's GPA falls below the 3.30 GPA requirement. Renewable for up to 3 years.

PHI THETA KAPPA (PTK) SCHOLARSHIPSof $3,000 are granted to selected transfer students with a 3.60+ GPA, 45+ semester hours (60+ quarter hours) of transferable college course work, and proof of PTK membership. Students must be admitted by March 1. The award is renewable for one year during the undergraduate period of study if a 3.30 cumulative PLU GPA is maintained. Financial need is not a determining factor. Three awards are given each year.

ALUMNI DEPENDENT GRANTS of $500/year for four years are available to full-time dependent students whose parent(s) attended PLU (or Pacific Lutheran College) for two semesters or more. Financial need is not a determining factor.

FACULTY MERIT AWARDS are available to 24 students who have completed 45 semester hours or more at PLU. No separate application is necessary. PLU faculty recommend individual students for selection. Notification is made in the spring semester for the following year. The award is renewable for one year during the undergraduate period of study. Financial need is not a determining factor.

NATIONAL MERIT SCHOLARSHIP awards are offered for $1,000–$2,000 to NMSQT-PSAT (National Merit Semi-finalist Qualifying Test-Pre-Scholastic Assessment Test). Finalists should inform the National Merit Scholarship Corporation of their intent to enroll at PLU. Winners of a PLU-sponsored National Merit Scholarship will receive scholarship and grant assistance (from all sources) that ranges from one-half to full tuition per year and is renewable for up to three additional years of undergraduate study. This amount includes the $1,000–$2,000 National Merit Scholarship. Financial need is not a determining factor.

CLERGY DEPENDENT GRANTS are available to dependent children of ordained ministers who are actively serving a Christian congregation full-time. The grant amount is $1,000 per year ($500 per semester) for four years. Financial need is not a determining factor.

ARTISTIC ACHIEVEMENT AWARDSare granted to students who have exceptional ability in the fields of Art, Dance, Drama, Forensics, and Music. The award requires recommendation by a PLU faculty member each year and is renewable on the basis of recommendation and participation. Financial need is not a determining factor.

PACIFIC LUTHERAN UNIVERSITY MATCHING SCHOLARSHIP (PLUMS) provides financial assistance for undergraduate students who attend PLU. Through the PLUMS program PLU will match, dollar-for-dollar, scholarships from $100 to $1,000 provided by church congregations or organizations within the church. PLUMS applications are required each year. Applications are now available on the PLU Financial Aid website: www.plu.edu/~faid/apply/downloadable-documents/. Applications may be submitted early to reserve funds for the student, however, PLUMS has limited funding and will be awarded only until the current year's funds are depleted, or August 15 each year. Church payments must be payable to PLU and received by the Financial Aid Office on or before October 1 each year. PLUMS is available to students up to four years, and financial need is not a determining factor.

Specialized PLU Funded – Non-Need Programs

RIEKE LEADERSHIP AWARDS for up to $2,000 per year are available to students with a 3.00+ GPA and demonstrated leadership or active involvement in a multi-ethnic context. Separate application required each year. Contact the Office of Admissions for application. Financial need is not a determining factor.

ARMY RESERVE OFFICER TRAINING CORPS (ROTC) SCHOLARSHIPS are available to full-time undergraduates. Students must file a FAFSA and meet all PLU GPA standards. Up to full tuition and room/board possible. Call PLU's ROTC office for information at 253.535.8740.

INTERNATIONAL GRANTS are available to graduate and undergraduate international students attending Pacific Lutheran University. The amount is $2,100 per year for a maximum of four years undergraduate study and two years graduate study. Awarded automatically and may be renewed annually to admitted, full-time students. Financial need is not a determining factor.

THE AMERICAS GRANT is available to citizens of countries in North, Central, and South America (excluding United States and permanent residents). Students must live in a PLU residence hall. This grant replaces the International Grant. Awarded automatically and renewed annually to admitted, full-time students for a maximum of four years undergraduate study and two years graduate study. Financial need is not a determining factor.

NORDIC GRANT is available to citizens of Denmark, Finland, Iceland, Norway, or Sweden who are attending PLU full-time. Awarded automatically and renewed annually to admitted, full-time students for a maximum of four years undergraduate study and two years graduate study. Student must live in a PLU residence hall. This grant replaces the International Grant. Financial need is not a determining factor.

TUITION REMISSION: Employees of the university are eligible for up to 90% and their dependents are eligible for up to 75% tuition remission. Tuition Remission is a university gift resource. Students receiving Tuition Remission may be awarded additional merit and need-based institutional gifts, but only up to the cost of tuition. Receipt of tuition remission may serve to adjust or eliminate other institutional aid previously awarded. Financial need is not a determining factor.

PLU funded - need based

Q Club Scholarships are awarded to students on the basis of academic achievement and financial need. Renewal requires a cumulative 3.00 PLU GPA, on-time submission of the FAFSA, each year, and demonstrated financial need.

DOLLARS FOR SCHOLARS is a matching gift fund that is available to students receiving scholarships from any Dollars for Scholars chapter. PLU is a Matching Partner and matches Dollars for Scholars chapter awards, dollar-for-dollar, up to $1,000 per student. Matching funds are limited and based on need. PLU applies outside grants to unmet need. If the need is met, PLU will reduce the self-help portion of the aid package. Dollars for Scholars is a program of ScholarshipAmerica.

UNIVERSITY GRANTS are awarded to students with financial need (who may not qualify for other institutional scholarships). Students must maintain at least a cumulative 2.00 PLU GPA.

Note: FAFSA must be submitted in a timely manner each year to reestablish evidence of financial need for need-based aid.

Federal and State Funded

FEDERAL AND STATE FUNDED GRANTS
Federal Pell Grants
are federal grants available to high need students who take at least 1 credit hour per semester. If you have been selected for verification process is completed. Students taking 12 hours or more per semester receive a full grant, 9–11 hours receive 3/4 grant, 6–8 hours 1/2 grant, and less than 6 hours approximately 1/4 grant.

Federal Supplemental Educational Opportunity Grants are federally funded grants awarded on the basis of high financial need.

Washington State Need Grants (WSNG) are available to eligible residents of the State of Washington who attend PLU. These grants are intended for students with high need. Grants are awarded at PLU in accordance with the Washington State Higher Education Coordinating Board policies. Students taking 12 hours or more per semester receive a full grant; students taking 9-11 hours receive a 3/4 grant; students taking 6-8 hours receive a 1/2 grant; and students taking fewer than 6 hours are not eligible. The grant can be received for a maximum of ten semesters or fifteen quarters. In order to be eligible for the Washington State Need Grant, a student must not be pursuing a degree in Theology. Satisfactory Academic Progress (SAP) is reviewed after every semester. Please contact the Financial Aid Office with any questions about this program.

WASHINGTON STATE EDUCATIONAL OPPORTUNITY GRANTS (EOG) are awarded to transfer students with an Associate's Degree or junior standing in the amount of $2,500 per year is subject to state funding. Students must apply for EOG prior to attending PLU. Eligible applicants must be residents of Washington State and be placebound. Students must be enrolled at least 6 hours per term. (SeeSAP.) Download applications from www.hecb.wa.gov/paying/aidprograms.html.

WASHINGTON AWARD FOR VOCATIONAL EXCELLENCE (WAVE) is available to students who have completed at least one year in a vocational program approved by the State Board for Community and Technical Colleges. Applicant must be a Washington State resident, a high school graduate, and must maintain a PLU cumulative GPA of 3.00 each term. The award is for two years (four semesters) and the amount varies each year depending on state funding. (See SAP.) Download applications from www.wtb.wa.gov.

TRIO - A State Need Grant Program is available to students who have completed any specific TRIO program. Recipients must demonstrate financial need. Funding is limited. TRIO programs include: Upward Bound, Talent Search, Gearup, NEISP, SMART and other TRIO or early intervention programs. A TRIO award will replace Washington State Need Grant eligibility. Satisfactory Academic Progress (SAP) is reviewed after every semester.

PROMISE SCHOLARSHIPS are available pending continuing appropriations by the Washington State Legislature. To inquire on the status of funding or to download an application visit www.hecb.wa.gov/paying/index.html.

WASHINGTON SCHOLARS AWARD is available to students who are "Washington State Scholars" for up to four years, subject to State Legislative adjustment. To renew each year the student must maintain a cumulative 3.30 cumulative PLU GPA. The Washington Scholars Program honors three graduating high school seniors from each legislative district each year. For more information visit www.hecb.wa.gov/paying/index.html.

All awards from federal and state sources are made assuming the anticipated funds will be available. Should a reduction in funding occur, awards may be reduced or eliminated.


Loans


Student loans allow you to postpone paying for your college expenses until you have completed your education. Loan obligations are described in this section and in the promissory notes. Please read carefully so you understand all your responsibilities before you accept a loan.

Need Based Loans

Federal Perkins Loan (funding is limited)
Eligibility: At least half-time (6 credit hours) undergraduate or (4 credit hours) graduate students with high need.
Amount: Up to $4,000 for each year of undergraduate study and up to $6,000 for each year of graduate or professional study.
Repayment: A fixed interest rate of 5%. There is a 9-month grace period after the student graduates, withdraws, or drops to less than half-time attendance. Principal and interest payments begin at 12 months. Deferrals available for student status, economic hardship, select volunteer services and pre-cancellation borrowers.
Comments or Conditions: Recipients are required to sign a promissory note. The promissory notes will be available for new borrowers to pick up in the Student Services Center after the first week of classes. The student must sign the promissory note, complete an online entrance interview, and return the promissory note if accepting the loan. Repeat borrowers that signed a Master Promissory Note during the 2003–2004 year with the student loan office are only required to complete the online entrance counseling. A postcard will be sent to these borrowers with instructions on how to complete this. All loans not signed for will be cancelled. Priority is given to undergraduate students.

Federal Nursing Loan (funding is limited)
Eligibility: Student enrolled at least half-time (6 credit hours) in School of Nursing (except pre-nursing). Preference given to LPN students.
Amount: Up to $4,000
Repayment: A fixed interest rate of 5%. There is a 9-month grace period after the student graduates, withdraws, or drops to less than half-time attendance. Principal and interest payments begin at 12 months.
Comments or Conditions: Recipients are required to sign a promissory note. The promissory notes will be available for new borrowers to pick up in the Student Services Center after the first week of classes. The student must sign the promissory note, complete an online entrance interview, and return the promissory note if accepting the loan. Repeat borrowers that signed a Master Promissory Note during the 2003–2004 year with the student loan office are only required to complete the online entrance counseling. A postcard will be sent to these borrowers with instructions on how to complete this. All loans not signed for will be cancelled. Priority is given to undergraduate students.

FEDERAL FAMILY EDUCATION LOANS
One or more of the Federal Family Education Loans may be listed on your offer. This means you may accept or reject these loans separately. Federal loans are obtained from a lender via an electronic application certified by Financial Aid. It is important that when you receive your application/promissory note, you mail it back for prompt processing and delivery of your loan funds. You may be able to avoid a possible delay by completing and signing you application/promissory note electronically. To do so, go straight to your lender's electronic application/promissory note by clicking on their web-link from our preferred lender list found on our web site. (Please note: If you previously borrowed a FFELP loan at PLU within the past two academic years, you will not need to sign another promissory note and none will be mailed to you.) Loan funds are electronically transmitted to the university by all lenders found on our Lender List at the Financial Aid website..

We strongly recommend you choose a lender from this list to avoid the delay of postal delivery and having to stand in line in the Student Services Center to endorse (sign) your paper check. Checks must be endorsed within 30 days after being received by the University. In addition, lenders not on our lender list may not offer you repayment incentives, which could reduce the overall cost of your loan.

If you are borrowing the FFELP for the first time, you must complete an entrance counseling session before loan funds can be released to your account. Not completing a session will result in the loan funds being returned to your lender, causing a possible delay in settling your account and possibly incurring additional finance charges.

Subsidized Federal Stafford Loan
Eligibility: At least half-time (6 credit hours) undergraduate or (4 credit hours) graduate students.
Amount: Up to $2,625 per year for first-year students; $3,500 for sophomores; $5,500 for juniors and seniors; and $8,500 for graduate students.
Repayment: A variable interest rate which changes annually and cannot exceed 8.25% and monthly principal and interest payments begin six months after the student graduates, withdraws, or drops to less than half-time attendance.
Comments or Conditions: The federal government pays the interest on your loan on your behalf until you enter repayment. You are responsible for selecting a lender from the Lender List on the Financial Aid website. You have the option to select a lender not on the list. However, be aware that doing so will usually delay receipt of your loan funds, require you to endorse a paper check in the Student Services Center, and your loan is unlikely to have the financial repayment incentives available through our lenders.

Non-Need Based Loans

Unsubsidized Federal Stafford Loan
Eligibility: Student attending at least half-time (6 credit hours) or a graduate student attending at least half-time (4 credit hours) who does not qualify for all or part of the maximum Subsidized Federal Stafford Loan.
Amount: Up to $2,625 per year for first-year students; $3,500 for sophomores; $5,500 for juniors and seniors; and $10,000 for graduate students.
Repayment: A variable interest rate which changes annually and cannot exceed 8.25% and monthly principal payments begin six months after the student graduates, withdraws, or drops below half-time attendance. Unsubsidized means you are responsible for the accruing interest on the loan, which begins on the date the loan is disbursed; however, interest payments may be deferred until you enter repayment.
Comments or Conditions: Financial need is not a requirement. You are responsible for selecting a lender from the Lender List on the Financial Aid website. You have the option to select a lender not on the list. However, be aware that doing so will usually delay receipt of your loan funds, require you to endorse a paper check in the Student Services Center, and your loan is unlikely to have the financial repayment incentives available through our lenders.

Federal PLUS Loan
Eligibility: Parents of dependent student.
Amount: Parents may borrow up to the full cost of their student's college education minus the amount of any financial aid the student is receiving.
Repayment: A variable interest rate which changes annually and cannot exceed 9.00% and monthly principal and interest payments begin within 60 days after the final disbursement of funds. (Interest begins accruing from the date the funds are first disbursed.)
Comments or Conditions: Financial need is not a requirement of this loan program. However, parents must have an acceptable credit record to qualify. Either (or both) parents may borrow this loan for the student. The parent is responsible for selecting a lender from the Lender List on the Financial Aid website. A separate Loan Application and Promissory Note will then be mailed to the parent. Both student and parent must sign the application and then mail it back in the return envelope provided. To request a PLUS loan, complete a PLUS Loan Request Form, available from the Student Services Center or the Financial Aid Office. You may also go directly to your chosen lender's web site to apply for PLUS pre-approval. We will be notified of your on-line pre-approval application by your lender.

Additional Unsubsidized Federal Stafford Loan
Eligibility: Independent student or dependent student whose parents are denied a PLUS loan.
Amount: Up to $4,000 per year for first-year students and sophomores and $5,000 for juniors and seniors.
Repayment: A variable interest rate which changes annually and cannot exceed 8.25% and monthly principal payments begin six months after the student graduates, withdraws, or drops to less than half-time attendance. Unsubsidized means you are responsible for the accruing interest on the loan, which begins on the date the funds are first disbursed; however, interest payments may be deferred until you enter repayment.
Comments or Conditions: Financial need is not a requirement. You are responsible for selecting a lender from the Lender List on the Financial Aid website. You have the option to select a lender not on the list. However, be aware that doing so will usually delay receipt of your loan funds, require you to endorse a paper check in the Student Services Center, and your loan is unlikely to have the financial repayment incentives available through our lenders.

ALTERNATIVE LOANS
Eligibility: All Students
Amount: Varies
Comments and Conditions: Various alternative loans are provided for all students, including those not qualifying for Title IV aid. Please inquire in the Student Services Center for information.

Teacher Certificate

Students accepted into this program are eligible to receive a Federal Stafford Subsidized and/or Unsubsidized Loan up to $5,500. If a student is independent or is a dependent student whose parents are denied a PLUS loan, the student is eligible for an additional Unsubsidized Federal Stafford Loan up to $5,000.

Principal Certificate

Students are not eligible for Federal Stafford Loans according to federal regulations. Contact the Student Services Center for information on alternative loans.

Employment

College Work Study
Eligibility: At least part-time students.
Amount: Varies based on need.
Comments or Conditions: On-campus jobs; students can apply for individual jobs through the Career Development and Student Employment Office.

State Work Study
Eligibility: At least part-time students.
Amount: Varies based on need.
Comments or Conditions: Off-campus jobs; students must apply for individual jobs through the Career Development and Student Employment Office.

Veterans Affairs and Vocational Rehabilitation

Pacific Lutheran University's academic programs of study are approved by the Washington State Higher Education Coordinating Board's State Approving Agency (HECB/SAA) for enrollment of persons eligible to receive educational benefits under Title 38 and Title 10 USC.

Veterans, widows, widowers, and children of deceased or disabled veterans who wish to inquire about their eligibility for benefits should contact the Regional Office of the Veterans Administration, Federal Building, 915 Second Avenue, Seattle, Washington 98174. Persons within the State of Washington may telephone 800.827.1000.

Students should gain admission to the university and see the university's Veterans Affairs Coordinator before making application for benefits. Students are required to register at the Veterans Affairs Coordinator's Office located in the Student Services Center (Room 102, Hauge Administration Building), before each term to insure continuous receipt of benefits.

Named Endowed/Restricted Scholarships

African American Heritage Pageant Scholarship

Travis and Shirley Aiken Memorial Nursing Scholarship

PLU Alumni Scholarship

Andy and Irene Anderson Endowed Scholarship for Nursing

Florence Spinner Anderson Memorial Scholarship

Hazel M. Anderson Endowed Music Scholarship

Julius and Jean Anderson Endowed Nursing Scholarship

Tom and Kathryn Anderson Endowed Scholarship

William and Jeanie Anderson Scholarship

Ruth Anenson Scholarship

Ernest M. Ankrim/Lutheran Brotherhood Endowed Scholarship (Economics)

Anthropology Alumni Award

Mary Jane Aram Scholarship Fund

George E. Arbaugh Philosophy Scholarship

Clifford and Lydia Arntson Scholarship in Entrepreneurship

Clifford and Lydia Arntson Scholarship in Sales and Marketing

Hedvig Arthur Memorial

AURA/Lutheran Brotherhood Endowed Scholarship

Ester W. Aus Elementary Education Scholarship

Marguerite and Wilmer Baer Scholarship

Elbert H., II and Janice M. Baker Endowed Music Scholarship

The Bangsund Family Scholarship (Clifford and Loena)

Bank of America Foundation Scholarship

Don F. Bayer Memorial Nursing Scholarship

Peter and Lydia Beckman Endowed Scholarship

Paul M. Bellamy Music Scholarship

Dr. Clifton E. and Edith M. Benson Scholarship for the Visually Impaired

Clenora E. Berge Nursing Scholarship

Bilbrough Family Scholarship

Alfred and Alice Bishop/Lutheran Brotherhood Endowed Scholarship

E.K. and Lillian Bishop Foundation Scholarship ICW

Anne Biteman Memorial Nursing Scholarship

Blake-Webber Endowed Scholarship

Frieda Blandau Endowed Scholarship

Luther and Dillie Quale Boe Education Scholarship

Erwin and Alice Bolduan Scholarship

Vanda Bortell Endowed Scholarship

The Boeing Company

Havana Bradner Memorial Scholarship

Jorunn Breiland Scholarship Fund

Agnes Brodahl Music Scholarship

Betty Brown Scholarship

Buchanan Family Endowed Scholarship

Erhardt and Virginia Buchfinck Endowed Scholarship in Education

Chester Buhl Endowed Vocal Music Scholarship

Dr. and Mrs. W.B. Burns Fund

Burzlaff Memorial Scholarship

Dr. Howard Leywellyn Byerly Math and Science Education Endowment

Cory Kenneth Carlson Memorial Scholarship

B.G. "Bob" Carroll Memorial Scholarship

Pak Joe Chan Endowed Scholarship

Cheney Foundation Educational Scholarships

Walter H. Christensen Scholarship

Ruth A. Christian Endowed Scholarship for Education

Kenneth Christopherson/Walter Pilgrim Endowed Scholarship in Religion

Lyman H. Claridge/Lutheran Brotherhood Endowed Scholarship

Class of 1967 Endowed Scholarship (Descendants of Class)

Hulda Cocanower Scholarship Endowment

Computer Science Scholarship Endowment

Dorothy and Powell Cone Memorial/Lutheran Brotherhood Endowed Nursing Scholarship

Costco Wholesale Scholarship ICW

Irene O. Creso Merit Award

Professor David P. Dahl Endowed Music Scholarship

E. John and Lorene E. Dahlberg Jr. Endowed Scholarship

Margaret Melver Dakan Endowed Scholarship

Carl Dalk Memorial Scholarship Fund

George L. Davis/Lutheran Brotherhood Endowed Scholarship Fund

J. Walter and Clara Davis Scholarship

Harold B. and Frances S. Dawson/Lutheran Brotherhood Endowed Nursing Scholarship

Ida A. Davis Fund

Deal Family Endowed Scholarship in the Liberal Arts

Diversity Essay Contest Scholarship

Thomas Dixon Endowed Scholarship

Doolittle Memorial Scholarship

Ronald and Margaret Douglass Endowed Scholarhip

Earl E. and Martha L. Eckstrom Endowed Scholarship

Economics Excellence Endowed Scholarship

Capt. W. Larry and Mrs. Janice D. Eichler Scholarship Fund

The Reverend and Mrs. E.E. Eidbo Endowed Scholarship

Carl and Ethel Erickson/Lutheran Brotherhood Endowed Scholarship

Endowment Challenge Grant

Gerry and Linda Evanson Endowed Scholarship

Anthony I. Eyring Liberal Arts Scholarship

Faaren Family/Lutheran Brotherhood Endowed Scholarship

Faculty Memorial Scholarship Fund

Fairbanks Lutheran Church Scholarship

Faith Lutheran Church of Portland Scholarship Fund

Theresa Ferguson Endowed Scholarship

Patricia Fisk Scholarship

George and Carlotta Flink Scholarship

Phylaine V. and Kenneth L. Folson Endowed Scholarship

Fosness Memorial Leadership Scholarship

L.C. Foss Memorial Scholarship

Fuchs Foundation Scholarship

Henrietta Button Gaetz Nursing Scholarship Fund

Richard E. and Lorraine K. Geiger Endowed Scholarship

Alan and Bertha Gibson Scholarship

Bertha Gilbertson Scholarship

John M. Gilbertson Foundation Scholarship

Muffet Gilpin Nursing Scholarship

Garett J. Goodchild Achievement Award ICW

Edna M. Gorder/Lutheran Brotherhood Endowed Education Scholarship

Alice and Stewart Govig Scholarship

Clarence A. and Olga Grahn Scholarship

Otis J. Grande/Lutheran Brotherhood Endowed Scholarship in Education

James M. Gribbon Scholarship

Fern R. Grimm/Lutheran Brotherhood Endowed Scholarship

Gulsrud Family Scholarship

Donald and Virginia S. Haas Scholarship

Arnold Hagen Education Scholarship

Maria Hagness Endowed Scholarship

Frank H. and Nellie L. Haley Memorial Endowed Scholarship

Olaf Halvorsen Scholarship

Johanne Marie Hansen Endowed Memorial Scholarship

Nels Marcus Hansen Endowed Memorial Scholarship

Jennie Lee Hansen Endowed Presidents Scholarship

Jennie Lee Hansen Scholarship Fund

W.H. Hardtke Seminary Student Scholarship Fund

Brian Harshman Memorial Scholarship

Marv and Dorothy Harshman Scholarship (Church Leadership/Athletics)

Bjug Harstad Endowed Scholarship

Erling and Clara Haugo Scholarship

Walter A. Heath Charitable Trust

Norman and Verone Heinsen Endowed Scholarship

Douglas Herland Memorial Scholarship

Earl and Astrid Hildahl Endowed Scholarship

Loren Hildebrand Business Scholarship

James Holloway Music Scholarship

The Hoover Family Endowed Scholarship

Hopper Memorial

Caroline Hovland Endowed Scholarship

Edward W. Huber Memorial Scholarship

Irene Hultgren Nursing Scholarship

Humanities Scholarship Endowment

Clement E. and Phyllis G. Hunter Scholarship

Suzanne Ingram Memorial Scholarship

Terry Irvin Scholarship

Independent Colleges of WA ICW

David M. Irwin, Friend of Higher Education Award ICW

Kenneth and Stella Jacobs Scholarship

Lyle and Iris Jacobson Endowed Scholarship

Mike Jacobson Scholarship

Ole M. Jennestad Memorial Scholarship

Donald L. Jerke Leadership Award

Johnson/Alfsen Scholarship

Johnson/Larson Scholarship

Agnes Solem Johnson/Lutheran Brotherhood Nursing Endowment

Judge Bertil E. Johnson Scholarship

Edwin R. Johnson Memorial Endowed Scholarship

Luther H. Johnson/Lutheran Brotherhood Endowed Business Scholarship

Pearl N. Johnson Nursing Scholarship

Pearl N. Johnson/Lutheran Brotherhood Endowed Nursing Scholarship

T.L. Johnson Sr./Lutheran Brotherhood Endowed Scholarship

Ted and Doreen Johnson/Lutheran Brotherhood Endowed Scholarship in Natural Sciences

Ted and Doreen Johnson/Lutheran Brotherhood Endowed Scholarship in Physics

Dr. Kenneth A. Johnston Endowed Scholarship in Education

Erna M. Jorgensen Regents Scholarship

Stella Jorgenson Endowed Scholarship

Theodore O.H. and Betsy Karl Endowed Scholarship in Forensics

Theodore O.H. and Betsy Karl Scandinavian Cultural Center Endowed Scholarship

Lind B. Karlsen Music Scholarship

Philip G. and Alice L. Kayser Endowed Scholarship

Elizabeth B. Kelly Endowed Scholarship

Anne Kensrud Memorial Scholarship

Key Bank of Washington Endowed School of Business Scholarship

Rev. Karl Kilian Memorial Fund

Gundar King Endowed Scholarship

Lars and Alberta Kittleson Endowed Scholarship

Kluth Endowment for High Achievers in Athletics and Physical Education

Knudsen Family Endowed Scholarship

Gladys M. Knutzen Endowed Scholarship

Gary and Mavis Koch Scholarship

John and Edna Korsmo Scholarship

Hilda S. Kramer Musical Appreciation Scholarship

Dr. Robert Alan Krause Memorial Scholarship

Howard, Eugenia and Jon Kvinsland Endowed Scholarship

WIlliam W. Kilworth Scholarship ICW

Dawnell Lamb Scholarship

Louis and Leona Lamp Scholarship

Harry E. and Irene L. Lang Endowed Scholarship

George Lanning Memorial/Lutheran Brotherhood Endowed Scholarship

Dr. John O. Larsgaard/Lutheran Brotherhood Endowed Scholarship

Dr. Charles Larson/Lutheran Brotherhood Endowed Scholarship

Ebba and E. Arthur Larson Nursing Scholarship

Ludvig and Clara Larson Scholarship

Charles Lauback Student Research Fund

John and Mary Lee Endowed Organ Scholarship

Orlando and Myrtle Lee/Lutheran Brotherhood Endowed Scholarship

Guy J. and Louise Leesman Scholarship

Paul Liebelt Scholarship (Mathematics)

Monica Sara Lightell Memorial Scholarship

Robert and Maxie Lillie Endowed Scholarship

Ernest and Jennie Liming and Art and Ethel Cummings Endowed Memorial Scholarship

Mr. and Mrs. W. Hilding Lindberg Endowed Scholarship

Isabel Lindberg Trust

Hildred Linder Endowment

Richard E. and Anita Hillesland Londgren/Lutheran Brotherhood Endowed Scholarship

Alfred and Althea Lund/Lutheran Brotherhood Endowed Scholarship

Clarence and Grace Lundberg Endowed Scholarship

Gene and Marian Lundgaard/Lutheran Brotherhood Endowed Scholarship

Lutheran Brotherhood Fund for Lutheran Students

Lutheran Brotherhood Scholarship

Lutheran Brotherhood Sustaining Fund Scholarship

Constance B. Lyon Scholarship

Lindsay A. Majovski Endowed Scholarship

James B. Malyon Scholarship

Joe Marchinek Memorial Scholarship Fund

Mathematics Scholarship

Edmund Maxwell Foundation Scholarship

McKay Scholarship

Stanley O. McNaughten Scholarship

Alma Meisnest Endowment Fund

Robert K. Merton Prize in Sociology

Military Order of the Purple Heart Award

Fred and Carolyn Mills Memorial Scholarship

Lila Moe Endowment Scholarship

Richard D. Moe Scholarship in the Arts

Eunice Moller Endowed Scholarship

Katharine E. Monroe Scholarship

Forestine Wise Monsen Memorial Piano Scholarship

Donald and Wanda Morken Family Endowed Scholarship

Lillian C. Morris Memorial Scholarship

Gladys Mortvedt Voluntary Service Award

Murray-Danielson Management Award

Mark E. and Lenore G. Myers Scholarship

Richard P. Neils Memorial Fund

George and Alma Nelson Endowed Scholarship Fund

Harold and Sylvia Nelson Endowed Scholarship

Lars Nerland Norwegian Scholarship

Milton and Hazel Nesvig International Student Scholarship

Thelma Newton Scholarship

Mr. and Mrs. Gus H. Nieman Memorial Scholarship

Sue Nilsson/Greater Tacoma Community Foundation Scholarship

Margaret Nistad Memorial Scholarship

Robert A. Nistad Memorial Endowed Scholarship

Nan Nokleberg Memorial/Lutheran Brotherhood Endowed Scholarship

Northern Lights Fund

Orville Nupen Nursing Scholarship

The Odberg Family Scholarship

Brian C. Olson Memorial Scholarship

Clifford O. and Ella L. Olson Endowed Music Scholarship

E. Goodwin and Dorothy H. Olson Endowed Scholarship in Education

Linda Olson/Lutheran Brotherhood Endowed Nursing Scholarship

Robert E. Olson Memorial

Iver Opstad Memorial Scholarship

Shereen Paff Special Education Scholarship

Terrence and Susan Parr Scholarship

Katherine R. Parrish Memorial Nursing Scholarship

Gordon Pearson Memorial

Arne and Gloria Pederson Endowed Scholarship

O.M. and Emilie R. Pedersen Endowed Scholarship

Rena Strandberg Pellegrini Endowed Scholarship

Marvin J. and Ruby L. Pennington Scholarship

Pepsi-Cola Company Merit Scholarship ICW

The Barbara L. Perry-Haley and Ruth C. Perry Memorial Scholarship

Mr. and Mrs. Lester Peter Scholarship (Oregon students)

Gustaf Peterson Memorial Scholarship

Sharon R. Peterson and Donna L. Fisher Memorial Nursing Scholarship

Sheryl Laubach Peterson/Lutheran Brotherhood Endowed Scholarship

Theodore M. and Lillian L. Peterson Endowed Scholarship

Blanche Pflaum Scholarship

E. Bill and Louise Pihl Scholarship

PLU Women's Club Scholarship

PLUS Business Scholarship

Nora J. Ponder Scholarship Fund

Presser Foundation Scholarship

Quello Memorial Schoalrship for Christian Global Understanding

The Edward Ramsdale Regents Scholarship

Anders and Emma Ramstad Award

Elmer E. and Mary Louise Rasmuson Scholarship for Students from Alaska

Margaret L. Rasmussen Scholarship

Raymond Family Scholarship

Recreational Equipment, Inc. (REI)

Kathryn Reese Memorial Scholarship

Simon and Marvel Reinbold Scholarship Endowment

Donald F. Reiman Scholarship

Charlotte and Lucian Rice Endowed Scholarship

Rieke Leadership Award

William O. Rieke Endowed Scholarship (Students from Cashmere, Leavenworth, and Wenatchee)

Sterling and Marjorie Rose Scholarship

Rouse Memorial Scholarship

Melville and Dorothy Rue Endowed Scholarship

Frank Russell Company Endowed Scholarship

Mary Baker Russell Music Scholarship

Dr. John A. and Virginia "Jimmie" Saffell Endowed Scholarship for Graduate Students

William G. Saletic Scholarship

Mark Salzman Memorial

Scandinavian Cultural Center Scholarship

Marie Scheele General Endowed Scholarship

Al and Ella Scheibner Endowed Scholarship

Johannes and Aleen Schiller Endowment Fund

Dr. Walter and Joan R. Schwindt Scholarship

Seattle Mortgage Bankers Association Scholarship

Dorothy H. Schnaible Endowed Scholarship

Sharing in Strength Scholarship

Margaret Shipley Endowed Scholarship in Accounting

Skaga Family Endowed Scholarship

Dr. Maurice and Patricia Skones Scholarship (Vocal Music)

James R. Slater Endowed Scholarship

James Slater Biology - ROTC Scholarship

Agnes Berge Smith Music Scholarship

Frances Norton Smith Endowed Scholarship

Reverend Joe Everett Smith Endowed Scholarship

Smith Endowment Scholarship Fund

Mr. and Mrs. Charles Smithson Scholarship

Naydene A. Snodgrass Memorial Scholarship

Anne E. Snow Foundation

Society of the Arts Scholarship

The Soine Family Endowed Scholarship

South Sound Regional Science Fair Scholarship

Southeast Idaho Incentive Scholarship Fund

Haldor P. Sponheim Scholarship Fund

William and Astrid Stancer Endowed Scholarship in Engineering Science

Steele - Reese Scholarship Endowment

Lorilie Steen Endowed Scholarship

Lynn S. and Ariadne B. Stein Scholarship

Vernon L. "Bud" Stinzi Endowed Scholarship

Strandholm Endowed Schoalrship

Genevieve Stelberg Endowed Scholarship

Dora Strangland Memorial Scholarship

Esther M. and Doris G. Stucke Endowed Scholarship in Nursing

Emil and Engelena Stuhlmiller Endowed Scholarship

Roselle M. Suderburg Endowed Scholarship

Lynne and Loyd H. Sutherland Scholarship

Tacoma Community College First Generation Scholarship

Tacoma Rainiers Community Fund Scholarship

Ron and Eileen Tellefson/Lutheran Brotherhood Endowed Scholarship

Harvey and Helen Tengesdal Endowed Scholarship

Thorp Memorial Scholarship

Thrivent Financial for Lutherans Scholarship

Edvin and Ida Tingelstad Memorial Scholarship

Leon and Don Titus Endowed Scholarship

Alice and Marie Tobiason Endowed Scholarship

Evelyn Torvend Memorial Education Scholarship

Silas and Alice Torvend Endowed Scholarship

Cliff and Ronni Tvedten Endowed Scholarship

Tyler Memorial Nursing Scholarship

Karl Ufer Memorial Scholarship

David Ulleland Memorial Scholarship

United Parcel Service Foundation Aid to Education Scholarship ICW

Ellen Valle Memorial Scholarship

Linda Van Beek Memorial Scholarship

Verizon Workforce Response Scholarship ICW

Arthur H. Vingerud Endowed Scholarship Fund

Dr. Roy and Gloria Virak Endowed Scholarship

Wade/Hinderlie Scholarship Fund

Ina H. Wake Memorial Scholarship

Washington Mutual Minority Teacher Scholarship ICW

Washington State Automobile Dealers Association Scholarship ICW

Doc and Lucille Weathers Endowed Scholarship

West Coast Grocery Endowed Scholarship

Western Washington Fair Association Scholarship

Wick Family/Lutheran Brotherhood Endowed Scholarship

Margaret Wickstrom Endowed Scholarship for International Students

James S. Willis Jr. Memorial Endowment for Music

Mabel Wing Scholarship

Randall Yoakum Endowed Scholarship

Ralph and Celestene Yoder Memorial Scholarship

Shirley Zurfluh/Lutheran Brotherhood Endowed Scholarship (Business)