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First Year students are encouraged to submit the application as soon as possible after October 1 in order to expedite processing of financial aid notifications. Out-of-state students should check with their high school guidance office or state agency to determine eligibility for grant assistance from their home state. Eligibility for academic scholarships are automatically evaluated by a scholarship committee with no special applications required.

However, incoming first year students must submit a McAuley Application in order to be considered for a McAuley Award described later in this section. Outside of the FAFSA form, the McAuley Application is the only formal aid application required by the university for a student applying for grant assistance. Veterans: Misericordia University welcomes the opportunity to provide education to veterans of the armed services.

The university is approved by the Veterans Administration for the education and training of veterans. Veterans enrolling at the institution for the first time should contact their nearest VA regional office, call or apply online for educational benefits.

This application should be filed six weeks prior to the beginning of the semester. Financial aid is awarded for one academic year. Misericordia University defines its academic year as the period of at least 30 weeks of instructional time that begins on the first day of classes in the fall semester and ends on the last day of examinations in the spring semester. During this period, a full-time undergraduate student would be expected to complete a minimum of 24 credits.

Academic scholarships are renewed annually provided the student maintains a minimum cumulative grade point average of 2. McAuley Awards are renewed annually provided the student demonstrates satisfactory academic progress. To receive or continue to receive federal, state, or university financial aid, all students must meet the following progress requirements:. Academic scholarship requirements are more stringent. Recipients of these awards must refer to the scholarship notification letter for grade point requirements.

This measurement ensures that a student is completing their program s within the maximum time frame allowed. PACE is calculated by dividing total credits earned by total credits attempted and includes accepted transfer and advanced standing credits in both the numerator and denominator.

A student may not exceed a maximum number of attempted credits in any program s , even if aid was not received during all periods of enrollment. Once a student reaches the maximum amount of credits attempted as specified by the program s , the student will be ineligible to receive further Title IV aid. Permission to take credits at another institution requires the permission of the registrar. Once the deficiency has been remedied, students must request that aid be reinstated for subsequent periods of enrollment.

In the case of enrollment at another institution, the financial aid office will take into consideration the number of credits completed and the grades obtained. This financial aid policy differs from the institutional policy that accepts credits in transfer only, not grades obtained. For purposes of financial aid, satisfactory progress is defined using the following classifications for undergraduate students:.

If a student feels that satisfactory progress was impossible to attain because of extenuating circumstances, i. The appeal must explain the extenuating circumstance s that led to your academic problems and explain what has changed in your situation that will allow you to make satisfactory progress at the next evaluation.

The appeal must be in writing, include supporting documentation and be sent to the Student Financial Services Office. The appeal will be reviewed and a decision will be made within 10 days.

The decision will be sent via your Misericordia e-mail. A student applying for aid must supply all required information as described above. The student will then receive an award letter. Aid from outside sources must be reported to the student financial services office. Such outside aid may result in a change in eligibility status.

Aid will vary according to enrollment status full or part-time and housing status resident, off-campus, or commuter. Students must inform the student financial services office of any status changes after their aid is packaged. Students may request an appointment with the student financial services office to review the information that determines their aid for the year, and the amount of their financial aid package.

Students have the right to request that their aid be re-evaluated if conditions arise which change their ability to meet the expenses of their education. Sources of financial aid are described below.

More information may be obtained from the Student Financial Services Office at To demonstrate its commitment to academic excellence, the university awards financial assistance to incoming full-time first-year and transfer students who have attained outstanding academic records.

All applicants are screened for scholarship eligibility upon formal admission to the university. Scholarships are renewable until graduation, provided minimum grade point averages are maintained. The minimum averages required for retention of the award are outlined in the scholarship notification letter.

Full-time students who have served as volunteers in the community, demonstrated leadership, and have been active in extracurricular activities in high school may be eligible for a McAuley Award. The admissions office will screen applicants. Awards are renewable provided the student maintains satisfactory academic progress. Through its own fund raising effort, Misericordia University provides substantial financial assistance to needy students through Mission Awards. These awards help over 65 percent of Misericordia students meet their university costs.

These awards are available to undergraduate full-time students with demonstrated financial need. Students who receive the Mission Awards must maintain satisfactory academic progress and file the Free Application for Federal Student Aid form each year.

Students who receive this award must maintain satisfactory academic progress, maintain on campus residency and file a FAFSA each year. The award is renewable provided the student maintains sufficient academic progress, and both siblings are enrolled full-time. Students must meet the following requirements to be considered for any of the federal financial aid programs:.

Students who have not yet completed their first undergraduate degree may apply. This federal program is available to undergraduate students with demonstrated financial need. This federal program is designed for Education majors with concentrations designated by the U. Students must have achieved a 3. Recipients must serve as a full-time teacher for at least four academic years at a high-need school within eight years after completing the course of study; otherwise, obligation will be treated as a Federal Direct Unsubsidized Stafford Loan.

The U. Under this program, the U. Department of Education is the lender. The Direct Loan allows students to borrow loans in their own name and requires no credit evaluation. Direct Loans have a fixed interest rate and can be either interest-subsidized federal government makes in-school and grace period interest payments or unsubsidized student makes interest payments during in-school and grace periods or has interest added onto the amount borrowed and repaid with principal after grace period.

Payment of principal is deferred while the student is enrolled. Repayment of principal begins six months after the student graduates, withdraws, or enrolls for fewer than six credits. This loan program allows financially eligible full- and half-time students to borrow money to help meet educational expenses.

The borrowing limits for subsidized loans are as follows:. The exact amount of loan eligibility is determined by the following formula: educational costs minus financial aid, minus expected family contribution as calculated from the FAFSA. This loan program provides assistance to dependent students in addition to the Subsidized Stafford up to the loan limits described below.

This loan program also provides assistance to independent undergraduates and graduate students up to the following limits:. The Direct PLUS Loan is available to credit-worthy parents of dependent undergraduate students and have fixed interest rates. PLUS Loans should be applied for the entire academic year. For parent borrowers, interest will accrue after the first disbursement and repayment of interest and principal begins 60 days after the second disbursement.

Parents can apply for a deferment to delay making payments. While you are in deferment, you will receive interest statements. Paying the interest as it accrues will save you money over the repayment term of the loan. Parents will be required to complete a PLUS Loan application with the requested loan amount and successfully complete the credit check.

Credit checks are good for days. This program makes low interest funds available to Nursing majors who demonstrate financial need.

Students who properly complete the aid application process as previously described will be automatically evaluated for eligibility for Nursing Loan assistance. If eligible, the student will receive notification from the Student Financial Services Office. Additional provisions for deferment of repayment are available from the Student Financial Services Office. Funded by the federal government, this program provides par-time employment for eligible students during the academic year and the summer.

Jobs are available on campus and in the local community. Students must demonstrate financial need to be eligible. The deadline for application is May 1 prior to the start of the academic year for which aid is requested. Students must demonstrate financial need and be enrolled in a Pennsylvania postsecondary institution. The student must have completed one academic year defined as having earned 24 semester credits or the equivalent by the time that the school checks academic progress of the PA State Grant.

Students must attain a minimum cumulative Grade Point Average of 3. The university maintains this work-study program through its own funding. It assists students who are not eligible to participate in the federal program, but who need to earn part of their university expenses through employment.

Some part-time employment is available in the community for students. Students who are interested in part-time employment opportunities should inquire at the Insalaco Center for Career Development. Refunds of credit balances on student accounts caused by overpayment either from financial aid or personal transaction will be processed in the Student Financial Services Office within 10 days from the date on which the credit balance occurs.

The 10 days gives the university time to verify the amount of refund, to check on any other charges, and to confer with the Director of Student Financial Services. Student refund requests must be approved by the Director of Student Financial Services. Students are advised to begin the academic year with sufficient funds to pay for books and living expenses until refund checks are issued.

At the time of registration, a part-time student must make arrangements for paying tuition and fees. The student may either pay for the course in full, have financial aid to cover the amount due, or participate in either the deferred payment plan or the tuition reimbursement payment plan.

The details of the two payment plans are discussed below. Generally, this payment plan permits tuition and fees to be paid up to 30 days after the issuance of grades instead of at the time of registration for the course.

The requirements of the plan are as follows:. Misericordia University provides an option for students or parents to pay tuition, fees and other charges on a deferred payment plan. The plan permits educational costs to be spread over a period of time.

Full-time time students have the option to schedule monthly payments through Cash Net. There is an annual fee to cover the processing of payments. Students must be enrolled in the installment plan prior to the start of the academic year.

The payment plan begins in the month of June prior to the start of the fall semester. When a full-time student a student who is charged the full-time flat rate withdraws from the university, she or he must complete an official withdrawal clearance as indicated in either the undergraduate or graduate section of the catalog. When a student drops or withdraws from a course with penalty, tuition will be cancelled at the following percentage rates.

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Therapists Online Therapy Psychiatrists More. Treatment Centers Support Groups. Verified by Psychology Today. Counties Jefferson Pulaski Saline. Zips Neighborhoods Walnut Valley. Theresa Flowers is not currently accepting new clients. Managing the stresses of life can be difficult. Many people feel that no one hears them. My goal is to hold space for people and assist them in identifying solutions to the challenges they face in life.

I have over 13 years of experience working with children and families in a variety of settings, addressing issues of abuse, trauma, depression, anxiety, and low-self esteem.

Please reach out to me if you have questions or you would like to schedule an appointment. Call or Email Theresa Flowers for a free 15 minute consultation now - Verify your health insurance coverage when you arrange your first visit. Project Manager Intracom S. Project Manager Hubert Burda Media. Business Analyst Highmark.

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