Financial Aid Program
The financial aid program at West Chester University provides financial assistance and counseling to students who can benefit from further education, but who cannot obtain it without such assistance. Financial aid consists of gift aid in the form of scholarships or grants, and self-help aid in the form of employment or loans. The main responsibility for meeting educational expenses rests with students and their families. Financial aid is a supplement to family contribution and is to be used for educational expenses.
Eligibility for financial aid, with the exception of some scholarships, the Parent Loan Program, and some assistantships (graduate students), is based on demonstrated financial need. Family income, assets, and family size influence a student's demonstrated financial need.
All documents, correspondence, and conversations among the applicants, their families, and the Office of Financial Aid are confidential and entitled to the protection ordinarily arising from a counseling relationship.
In order to receive financial aid, the student must
- Be accepted for admission as a degree student enrolling at West Chester University, or, in the case of a student already attending the University, be enrolled and making satisfactory academic progress as a degree student. See the Financial Aid Office for a more detailed explanation of this requirement.
- Submit a Free Application for Federal Student Aid (FAFSA) before March 1 for priority consideration. This application will be used to determine demonstrated financial need for the student. All students are encouraged to complete this application.
- Apply for the a PA state grant on the FAFSA if the student is a PA resident. If the student lives out of state, he or she should check with his or her state agency about grant availability.
- Submit any other requested documentation concerning financial and family circumstances that may be requested by the Office of Financial Aid, or any agency that administers financial assistance programs. Financial aid applicants may be required to submit tax transcripts of their IRS forms, and/or their parents' forms, or various other income-related documents.
Submission of the above does not automatically entitle a student to receive financial aid. The Office of Financial Aid follows the regulations established by the federal and state governments in awarding aid. Aid applicants are ranked according to unmet need (based on budget, federal and state grants, and expected family contribution), and available funds are offered to the neediest students first. Students must apply for financial aid each academic year.
Unless otherwise specified, requests for scholarships, grants, loans, and employment opportunities described in this catalog should be made to the Office of Financial Aid. Application forms for state and federal grants may be obtained online.
Questions concerning financial aid may be directed to the:
Office of Financial Aid
Kershner Student Service Center
25 University Avenue
West Chester University
West Chester, PA 19383
Office hours are from 8 a.m. to 4:30 p.m., Monday, Tuesday, Thursday, Friday
9 a.m. to 4:30 p.m. Wednesday
(The office closes at 4:00 daily during the summer)
Student Consumer Rights and Responsibilities
You have the right to ask a school...
- The names of its accrediting organizations.
- About its programs; its instructional, laboratory, and other physical facilities; and its faculty.
- What the cost of attending is and what its policies are on refunds to students who drop out.
- What financial assistance is available, including information on all federal, state, local, private, and institutional financial aid programs.
- What the procedures and deadlines are for submitting applications for each available financial aid program.
- What criteria it uses to select financial aid recipients.
- How it determines your financial need. This process includes how costs for tuition and fees, room and board, travel, books and supplies, personal and miscellaneous expenses, etc. are considered in your budget. It also includes what resources (such as parental contribution, other financial aid, your assets, etc.) are considered in the calculation of your need.
- If you have a loan, what the interest rate is, the total amount that must be repaid, the length of time you have to repay the loan, when payments are to begin, and any cancellation and deferment provisions that apply.
- If you are offered a work study job, what kind of job it is, what hours you must work, what your duties will be, what the rate of pay will be, and how and when you will be paid.
- To reconsider your aid package, if you believe a mistake has been made.
- How the school determines whether you are making satisfactory academic progress, and what happens if you are not.
- What special facilities and services are available to the disabled.
You have the responsibility to...
- Review and consider all information about a school's program before you enroll.
- Pay special attention to your application for student financial aid, complete it accurately, and submit it on time to the right place. Errors can delay your receipt of financial aid.
- Provide all additional documentation, verification, corrections, and/or new information requested by either the Office of Financial Aid or the agency to which you submitted your application.
- Read and understand all forms that you are asked to sign and keep copies of them.
- Accept responsibility for the promissory note and all other agreements that you sign.
- If you have a loan, notify the lender of changes in your name, address, or enrollment status.
- Perform in a satisfactory manner the work that is agreed upon in accepting a college work study job.
- Know and comply with the deadlines for application for aid.
- Know and comply with your school's refund procedures.
Federal Work Study Program
The Federal Work Study Program provides part-time employment to help needy students finance the cost of post secondary education. Students may be employed on campus; at a federal, state, or local public agency; or a private nonprofit organization. Application is made through the Free Application for Federal Student Aid (FAFSA) and the WCU Student Employment Application. The priority deadline is March 1.
Federal Pell Grant
The Federal Pell Grant Program provides need-based grants to low-income undergraduate students to promote access to postsecondary education. Grant amounts are dependent on: the student’s expected family contribution (EFC); the cost of attendance (as determined by the institution); the student’s enrollment status (full-time or part-time); and whether the student attends for a full academic year or less. Students may not receive Federal Pell Grant funds from more than one school at a time. Interested students must file the Free Application for Federal Student Aid (FAFSA). WCU’s priority deadline is March 1 of the current academic year.
Federal Supplemental Educational Opportunity Grant (FSEOG)
The Federal Supplemental Educational Opportunity Grant (FSEOG) program provides grants for undergraduate students with exceptional financial need. Students who will receive Federal Pell Grants and have the most financial need will receive FSEOG funds first. Students must file the Free Application for Federal Student Aid (FAFSA). The priority deadline is March 1.
The Pennsylvania Higher Education Assistance Agency (PHEAA) awards state grants to students who are Pennsylvania residents and who demonstrate need on the FAFSA. Students must be enrolled for at least 6 credits per semester in an undergraduate degree program to qualify, and not more than 50% of those credits per semester can be online courses. First-time applicants must complete additional information requested by the Agency before grant eligibility can be determined. In accordance with PHEAA policy, state grant recipients must successfully complete 24 credits per year for each full-time year of state grant awarded. The FAFSA must be filed by May 1st of each year to meet the state grant deadline.
Other states award grants to their residents to attend Pennsylvania schools. These states include Delaware, the District of Columbia, Massachusetts, Ohio, Vermont and West Virginia. Eligibility requirements vary per state. Students should contact their agencies in these states for more information.
Direct Loan Programs
Direct Loans are low-interest loans for students and parents to help pay for the cost of a student's education. The lender is the U.S. Department of Education rather than a bank or other financial institution.
To be eligible for a loan, a student must do the following:
1. Be enrolled or accepted in a degree program
2. File a Free Application for Federal Student Aid (FAFSA)
3. Maintain satisfactory academic progress
4. Be classified as at least a half-time student
Subsidized loans are for undergraduate students with demonstrated financial need, as determined by federal regulations. No interest is charged while a student is in school at least half-time, during the grace period, and during deferment periods. Direct Loans do not require a credit check.
The federal government also limits the amount of money that can be borrowed each academic year. Annual loan limits are $5,500 for first-year students, $6,500 for second-year students and $7,500 for undergraduate students who have completed two years. Independent students may borrow additional unsubsidized funds: up to $4,000 per year for their first two years, and up to $5,000 per year after they have completed two years. The total maximum indebtedness for a dependent undergraduate is $31,000 with $23,000 being subsidized and $57,500 for independent students with $23,000 being subsidized. The academic level maximum amounts are not guaranteed. The loan amount is influenced by the receipt of other aid. Interest rates are determined each spring for new loans being made for the upcoming award year, which runs from July 1 to the following June 30. Each loan will have a fixed interest rate for the life of the loan. For subsidized loans, interest begins to accrue when repayment commences – six months after the student terminates his or her education or drops below half-time status. Interest for unsubsidized loans will begin to accrue on the day the loan is disbursed, and continue until the loan is paid in full. Students must complete the Free Application for Federal Student Aid (FAFSA), and will also be required to complete entrance counseling and a Master Promissory Note on-line.
The maximum loan per academic year for graduate students is $20,500 (unsubsidized) or the cost of the education. The total maximum indebtedness for all years of undergraduate and graduate study is $138,500.
Direct Graduate PLUS Loan
Graduate students may borrow under the PLUS program up to their cost of attendance, minus other financial aid received. Each borrower must do the following:
- Be enrolled or accepted in a graduate degree program
- File a Free Application for Federal Student Aid available at fafsa.ed.gov.
- Maintain satisfactory academic progress
- Be classified as at least a half-time student
Direct Parent Loan for Undergraduate Students (PLUS)
Through the Direct PLUS program, parents may borrow up to the cost of education minus other aid for each dependent student attending a post secondary educational institution for each academic level. Interest rates are determined each spring for new loans being made for the upcoming award year, which runs from July 1 to the following June 30. Each loan will have a fixed interest rate for the life of the loan. Borrowers may defer payments while the student is enrolled at least half time. Application is made online at www.studentloans.gov.
Withdrawal/Enrollment Change and Aid
Students who officially withdraw or change their enrollment status may be entitled to a refund of certain fees, in accordance with University policy. (See "Refund Information" section) If the student has been awarded financial aid for the semester in which the withdrawal or enrollment change occurs, a portion of the refund will be returned to financial aid program funds. When aid is returned, the student may owe a debit balance to the University. The student should contact the Office of the Bursar to make arrangements to pay the balance.
Financial aid refunds due to withdrawals or enrollment changes are processed in accordance with federal, state, and awarding agency guidelines and regulations. A student considering withdrawal or an enrollment status change should consult the Office of Financial Aid to determine the impact of that action on current and future financial aid.