Like any other type of investment, studying abroad requires advance planning, careful management, creativity, and perseverance. Students may use financial aid funds to study abroad; however careful planning is essential. Most St. Catherine’s financial aid is awarded on a semester basis.
Carefully review the following information and feel free to visit with a Financial Aid counselor.
Apply for financial aid for the year you wish to study abroad. All applicants must complete a Free Application for Federal Student Aid (FAFSA) to be considered for federal and state financial aid and a St. Catherine University Financial Aid Application to be considered for institutional aid. The FAFSA is available each October. Please apply by April 1 for priority consideration for funding for the following school year and promptly respond to any request for additional information.
Indicate your enrollment plans for each term on the St. Catherine Financial Aid Application. A semester student should indicate the term(s) she will be abroad as well as her anticipated credit load for Fall semester, January term, and Spring semester. If you decide to study abroad AFTER you have submitted your financial aid application to the University, notify the financial aid office, in writing, of the changes.
Inform the Financial Aid Office, in writing, of your anticipated expenses for each term. Obtain this form from the Financial Aid Office.
Accept or Decline the funds awarded to you on the Financial Aid Award Notice and follow the instructions to obtain each type of fund that you accept. Awards are prepared in late spring and continue on a rolling basis throughout the summer. Allow 8 to 12 weeks after your completed application is received for your award to be prepared. If you decide to study abroad AFTER you've received your award, you must request that the Financial Aid office review your application for a revision. They will prepare a revision 4-6 weeks after receiving your request and your note informing them of the changes in your enrollment plans for the year.
Inform the Financial Aid Office of the receipt of any external scholarship funds you have received from your study abroad program.
Meet with a Financial Aid counselor to discuss the specific steps you must take to receive each fund awarded to you.
Tuition Remission and Student Employment funds are not portable and cannot be used to defray the costs of a study abroad program.
Meet with the Student Accounts Office to make arrangements where to send any funds that will be directly credited to your student account. Funds can be sent to your program, to you, or to your parents.
Financial aid packets for the following school year will be available in December. Remember to re-apply by the April 1 priority date.
After you receive your financial aid award you must meet with a Financial Aid counselor to review the steps you take to receive all funds offered to you. You will be considered for federal, state, and institutional funds Complete the loan application process at least 3 months before you leave the country. You must make arrangements to sign your check(s) or grant power of attorney to someone else to do this for you.
Federal Perkins and/or Nursing Loan
Contact Trina Bartok in the Student Accounts Office to sign the required promissory note BEFORE you leave the country.
Student Educational Loan Fund (SELF)
Complete the loan application process at least 3 months before you leave the country. You must leave a signed, notarized SELF Power of Attorney form with the Financial Aid Office.
Working Abroad Under no circumstances should students plan on earning essential income while studying abroad. While it may be legally possible to work for pay in some countries with a student visa, there is virtually no way of ensuring a position before departure or once abroad.
Tuition Remission The employee benefit of tuition remission does not apply to abroad programs, including: • All St. Kate’s semester, short term and summer programs • All affiliate semester, yearlong and summer programs • All UMAIE sponsored programs. Exception: For semester
embedded short term programs, tuition remission is only applicable to the on campus portion of tuition.
Students must pay the program fee which is in addition to tuition. If a student attends St. Catherine’s on tuition remission as the result of participation in the Associated Colleges of the Twin Cities (ACTC) or Catholic College Cooperative Tuition Exchange Program (CCCTE) [i.e, a parent works at one of the eligible institutions], the same rules of tuition remission apply: it does not apply to study abroad. Students who study abroad on an overseas program sponsored by the tuition remission exchange institution where their parents work (i.e., ACTC or CCCTE) may be able to make arrangements directly with the sponsoring institution to receive tuition remission. The granting of tuition remission is up to the sponsoring institution.
Students are responsible for reviewing individual program information to know exactly what is and what is not included in the program fee. Students are responsible for paying all program fees, including application fee, initial deposit, and all onsite costs. Students may apply financial aid to affiliate program fees.
Application fee (if required): students pay the program application fee at the time of application
Initial program deposit (if required): students pay this deposit directly to the affiliate program once they are accepted to the program. A deposit is usually required to hold a student’s place in the program, and is often non-refundable. Deposits are usually in the range of $300-$500.
Program fee balance: students are responsible for making payment to their program by the program’s payment deadlines. For using financial aid funds, a student must give the Office of Student Accounts a copy of the program invoice plus completed copy of the “Financial Aid/Student Billing Agreement” in order for Student Accounts to forward applicable financial aid to the program on the students’ behalf.
The following fees will be charged to all students applying for affiliate programs. Students participating in affiliate programs do not pay any tuition fees to SCU. Application Fee
All students will pay a $30 non-refundable application fee, due at the time of application.
A study abroad administrative fee is charged for all study abroad programs, guaranteeing the posting of credit, keeping a student’s records up-to-date, and allowing St. Catherine’s to forward financial aid funds to the program and to bill the student’s account. The fee is $250 for the first semester; $100 for the second consecutive semester; and $150 for summer programs. The study abroad administrative fee will be forfeited for any student who cancels or returns early from their program after their account has been billed.
All students are also charged an SCU technology fee of $175 each semester and during the summer if registered for summer credit.
Students are responsible for knowing the cancellation policies for their programs. Review carefully any program information on cancellation and refund policies. Students are responsible for financial aid payments made to the program on their behalf. Notice of cancellation from a program must be submitted in writing to the Office of Global Studies, 305 Derham Hall, email@example.com. Students are subject to the cancellation policy of their program sponsor. Depending on the date of cancellation, and especially if cancellation occurs near the departure date or after the program begins, the entire program fee may be forfeited. Cancellations due to medical emergencies or U.S. government shut down (such as passport offices) do not guarantee a full refund, and in some cases, may involve no refund.
Federal Refund Policy (Title IV Funds 34 CFR 668.22)
The Return of Title IV Funds Policy applies to any student who receives federal Title IV funding and withdraws or ceases to be enrolled prior to the end of a payment period. The withdrawal process is defined as occurring when a student notifies the school, in written or oral form, of his or her intent to withdraw. Whether or not notification is given or whether or not the student begins the withdrawal process, the school will determine the date of withdrawal as the date the student ceased attendance. The Return of Title IV formula determines the amount of Title IV funds a student has earned at the time the student ceases attendance and the amount of Title IV funds a student must return.
The amount of Title IV funds earned by a student is based on the amount of time spent in attendance by the student for that term. The amount of Title IV funds a student earns is a proportional calculation based on the amount of time the student attends school through 60% of the term. If a student ceases to attend school after 60% of the term, the student earns 100% of the Title IV funds. If an unofficial withdrawal is determined (all failing and/or non credit grades), the 50% date of the term is used as the last date of attendance to calculate refunds. The University does not require that faculty take attendance, but in lieu of the 50% date, the University may use the last date of reported attendance when available, according to federal policy.
If the amount of Title IV grant or loan funds disbursed is greater than the amount a student earned, unearned funds must be returned. If the amount the student was disbursed is less than the amount the student earned, the student is eligible to receive a post-withdrawal disbursement in the amount of the earned aid not received but otherwise eligible.
If it is determined that unearned Title IV funds must be returned, the responsibility is allocated between the school and the student. The responsibility as to who will return the unearned Title IV funds is determined according to the portion of the Title IV aid that could have been directly disbursed to the student once institutional charges were covered.
Return of Title IV Funds calculations are subject to a 45 day deadline to return funds once a student has officially withdrawn or fails to earn a passing grade for any course in a term.
In addition to student notifications, Financial Aid staff review weekly reports to identify students who have withdrawn and end-of-term reports to identify students who do not achieve a passing grade in any class.
Once identified, the calculation is performed by the Office of Financial Aid. Using the Department of Education’s FAA Access, staff members enter required key data including term dates, withdrawal date, institutional charges, and federal aid funds received and/or that could have been disbursed. Financial Aid and Student Account records are updated, funds are returned according to the calculation, and the student is notified. Student records are reviewed for Satisfactory Academic Progress and students are notified as necessary. Student loan borrowers are routed for exit counseling. Common Origination and Disbursement reporting occurs to reflect record changes.
Title IV Funds Distribution:
1. Unsubsidized Direct Loans
2. Subsidized Direct Loans
3. Federal Perkins Loans
4. Direct PLUS Loans
5. Federal Pell Grants
6. Federal SEOG
7. Iraq and Afghanistan Service Grant
Non-Federal Refund Policy:
Refunds for state aid programs and non-state aid programs are calculated on a proportional basis using the state mandated or institutional refund policy. To calculate the minimum refund due to the Minnesota State Grant Program, the SELF Loan Program, and other Aid Programs (with the exception of the State Work Study Program), the MOHE Refund Calculation Worksheet is used.
Institutional Refund Policy:
Refunds for private aid funds will be processed according to the donor’s intent. Absent explicit criteria regarding withdrawals and refunds, aid will be refunded on a proportional basis according to the date of withdrawal. Refunds for college grants and scholarships will be reviewed on an individual basis, according to the date of and reason for withdrawal, and with consideration of the financial impact on the student and University.
Below are guidelines for students who have been selected for verification based upon application data.
Verification is the process schools use to review a student’s Free Application for Federal Student Aid (FAFSA) for accuracy. This is done by collecting and comparing documents used to complete the FAFSA.
The federal government randomly selects applicants for the verification process. Saint Catherine University may select additional students for verification.
If you are selected for verification, the Financial Aid Office sends you a notification explaining what additional documents are needed, including tax and income forms. Once you have submitted all required documentation, your file will be reviewed. If our office has additional questions, we may contact you for further information. Based on the review of your information, our office will make the necessary corrections to your FAFSA. Should the corrections result in a change to eligibility for aid, you will receive an award or revision notice within 4-12 weeks, depending on application volume.
St. Catherine University may select additional students for Verification. Selection is based on a number of considerations, including but not limited to, conflicting data between aid years, significant changes to data elements from year to year, incomplete or missing data, or other factors which affect the calculation of the Estimated Family Contribution (EFC). You may be asked to provide documentation to verify any data element(s) on the FAFSA, such as household size, number of dependents in college, taxable and untaxed income, high school completion, or personal information.
Students, employees, or other individuals who are suspected of misreporting or altering documentation to fraudulently obtain federal funds will be reported to the Office of Inspector General (OIG).
It is the student’s responsibility to reply to our requests for information. We are unable to provide you with a financial aid award letter until all documents have been received and reviewed. Failure to respond to our requests will result in a delay in awarding and paying financial aid and possible loss of certain types of aid, especially institutional grant.
The following options will walk you through the verification process. Your paper or electronic notification of incomplete financial aid requirements sent to you from our office lists the appropriate aid year (the academic year for which you are receiving financial aid). Please refer to this aid year when selecting your verification documents for completion.
Your paper or electronic notification of incomplete financial aid requirements sent to you from our office lists the appropriate aid year (the academic year for which you are receiving financial aid). Please refer to this aid year when selecting your verification documents for completion. Continuing students can view required documents through the financial aid links in KateWay.
When submitting information, write your St. Catherine student ID number on the documents.
Below is a guideline on using IRS Data Retrieval when entering FAFSA application data.
The IRS Data Retrieval Tool is currently available for tax filers. The FAFSA will provide filers with the option of retrieving certain relevant data elements (such as adjusted gross income) directly from the IRS tax database.
If you are eligible, you can execute the retrieval from within the FAFSA website while completing an initial application, renewal application, or correction to an existing application. FAFSA will ask questions to help you determine if you are able to use the Data Retrieval Tool and walk you through the data match process. If you are correcting an existing application, be sure to always make updates to the most recent transaction. At this time, students and parent(s) who use the Data Retrieval Tool and do not make subsequent changes to the transferred information reduce the likelihood of being selected for verification, and will not be selected to verify their tax-related information or be required to submit tax transcripts for verification purposes if they are selected. (You may still be required to submit documentation of non-tax data elements, such as amount of child support paid or food stamp eligibility.)
If you are unable to use the IRS DRT, you may request a copy of your tax transcript online:
More information is available on the FAFSA website.
Most students and parents are eligible to use the IRS Data Retrieval Tool if they have already filed their taxes. However, there are a few scenarios in which students and parents are ineligible to use the IRS Data Retrieval Tool, such as:
Additionally, there may be a delay between the time of your tax return filing and the availability of the IRS Data Retrieval Tool. You then have the option to enter tax return information manually or return at a later date to transfer tax return information into the FAFSA.
All financial aid recipients must meet satisfactory academic progress expectations in order to continue receiving financial aid. Academic progress is evaluated and reviewed following the end of each term.
Financial aid eligibility is based on satisfactory academic progress (SAP) standards that St. Catherine University's Financial Aid Office is required by the U.S. Department of Education to establish, publish and apply. The Financial Aid Office measures academic performance and enforces SAP standards to ensure that financial aid recipients progress toward completion of their degree or certificate program. Students who fail to meet these standards become ineligible to receive financial aid until compliant with all of the requirements detailed in this policy.
To demonstrate satisfactory academic progress, a student’s academic performance must meet two main SAP components. The first is a qualitative component, represented by grade point average (GPA). The second is a quantitative component measured by credit completion (the ratio between attempted and passed credits) and maximum time frame (the ability to complete the degree or certificate program within an established number of credits).
Students will be notified of their SAP status by a representative of St. Catherine University. Electronic notification will be sent to the student's official St. Catherine email address. A paper letter notification will also be sent to the student via U.S. mail when deemed appropriate.
Grade Point Average
All undergraduate students are required to maintain a minimum cumulative GPA of 2.0. Graduate students must maintain a cumulative GPA that is equal to or greater than the graduation standards published by their program.
Students must complete 67% of all credits attempted. A completed credit has a grade of A, B, C, D, or S. Withdrawals, F grades, incomplete courses, and repeated courses are included in attempted credits.
Maximum Time Frame
All students are expected to finish their degree or certificate within an acceptable period of time. Financial aid recipients may continue to receive aid through their cumulative attempted credits that equal 150% of the required number of credits needed to complete their program, including transfer credits from another college that apply to the St. Catherine University program. For example, an undergraduate baccalaureate student in the College for Women who need 130 credits to graduate must complete her program by the time she reaches 195 attempted credits. A baccalaureate student in the College for Adults who needs 120 credits to graduate must complete her program by the time she reaches 180 credits. For associate and graduate students, maximum time frame is measured based on 150% of the length of the student’s program. As soon as it becomes mathematically impossible for a student to graduate within the 150% limit, the University will place the student will on Financial Aid Suspension. Students who require developmental coursework may appeal to have the 150% limit extended.
Credit – A credit is the unit by which academic work is measured.
Attempted credit – An attempted credit includes all credits for which you are registered at the beginning of each term. Audit credits are not included in attempted credits.
Cumulative credits – Cumulative credits represent the total number of credits evaluated (attempted and passed) for all periods of enrollment at St. Catherine University, including summer and J-terms or terms for which the student did not receive aid. Cumulative credits also include transfer credits from another college that apply to the St. Catherine University program.
Passed credits – Passed credits are those that are successfully completed with a grade of A, B, C, D, P, and S. Grades of I, W, U, F, X, or dropped courses are not counted as passed credits. Developmental credits count toward both attempted and passed credits; audit credits are not counted as attempted or passed credits.
Grade Point Average (GPA) – The GPA is calculated using a grade point value outlined in the catalog for grades A, B, C, D, and F and all plus or minus variations. Although a grade of P or S will count as credit earned, it carries no grade point value. Transfer credit grades from another college that apply to the St. Catherine University program are included in the calculation of the cumulative GPA.
Incomplete Courses – An “I” is assigned as a temporary grade for pending course completion, and counts against the completion rate (attempted, but not earned credits). If the incomplete is replaced with a passing grade, the course will be counted as an earned credit.
Repeat Credits – Repeats may be allowed in order to improve a grade or meet program requirements, and they are included in calculations for the SAP grade point average, credit completion, and maximum time frame standards. The most recent grade will become the grade calculated for GPA. Please note a student may only receive financial aid for taking a previously passed course once. If a student needs to raise the grade for a major or other requirement, as long as the course is considered passed, the student cannot receive federal funds for more than one repeat.
Developmental Credits – Remedial coursework is included with registered credits, and will count toward the credit completion and maximum time frame standards.
Transfer Credits – Grades associated with transfer credits are included in the cumulative GPA calculation, and count toward the cumulative credit completion calculation. Transfer credits accepted by St. Catherine University apply toward the maximum time frame calculation, if they are applicable to the current degree program.
Second Major – Students returning after receipt of a first degree in a program in order to complete the requirements for a second major in the program will have their maximum time frame extended to provide for the additional course requirements of the new major.
Change of Major, and Dual Degree – Many students receive multiple degrees and/or certificates from St. Catherine University. Only attempted credits eligible for application toward the student’s current certificate or degree program will count toward the maximum time frame of that certificate or degree. Attempted and passed credits under all majors will be included in the calculation of GPA and credit completion. Students who change majors or seek a dual degree may appeal for an extension of the maximum time frame provision of this policy. Appeals will be evaluated on an individual, case-by-case basis.
Post-Secondary Education Options (PSEO) – Credits earned while a PSEO student at St. Catherine University will be included in the cumulative credit completion standard, GPA, and maximum time frame calculation. PSEO credits earned at another post-secondary institution will be treated as transfer credits.
Joint Program Credits – Grades associated with joint program credits are included in the cumulative GPA calculation, and count toward the cumulative credit completion calculation.
The academic progress for every financial aid applicant will be reviewed after each term. All of a student’s academic coursework is considered in the review process, whether the student received aid that term or not. The assessment will be based on the student’s entire academic record, including all transfer credit hours accepted.
Financial Aid Warning
If a student does not meet the minimum cumulative GPA and/or credit completion ratio, s/he will automatically be placed on Financial Aid Warning for the next term of enrollment. Financial Aid Warning puts a student on notice that s/he will be suspended and that s/he will lose financial aid eligibility if both the cumulative GPA and cumulative completion standards are not met at the end of the warning term. During a warning term, a student may continue to receive financial aid provided all other eligibility requirements are met.
Financial Aid Suspension
Students who do not meet the minimum cumulative GPA and/or credit completion ratio at the end of the Financial Aid Warning term become ineligible for federal, state and institutional financial aid and will be placed on Financial Aid Suspension. Also, at the point in time it is determined that a student will not be able to complete a degree or certificate within the maximum time frame, s/he will be suspended from financial aid. Provided the student is allowed to register by the academic department and the Office of Academic Affairs, s/he may attend St. Catherine University and pay out of pocket or apply for a private, credit-based alternative loan that does not require a student meet satisfactory academic progress standards. Once the minimum cumulative GPA and credit completion requirements have been met, the student may petition the Financial Aid Office to reinstate their financial aid eligibility. St. Catherine University may immediately suspend a student from financial aid in the event of extraordinary circumstances, such as a student who registers for but does not earn any credits for two consecutive terms, or demonstrates an attendance pattern that abuses the receipt of financial aid.
Financial Aid Probation
A student who is placed on Financial Aid Suspension may appeal the suspension status if there are extenuating circumstances such as the death of a relative, injury or illness of the student or other special circumstances. If a SAP appeal of suspension status is approved by the Financial Aid Office, the student will be placed on Financial Aid Probation. While on probation, a student is eligible to receive financial aid. The student’s record will be reviewed and probationary status evaluated following each term. Probation status may continue into subsequent terms until the minimum cumulative standards have been met, provided the student is following her/his academic plan. If the academic plan is not followed, the student will again be placed on suspension, be ineligible for aid and may submit a new appeal. For details on the appeal process and explanation of an academic plan, please refer to Section 4: Right to Appeal.
Students who have been academically suspended by St. Catherine University are no longer eligible for financial aid. If a student is readmitted, s/he must complete the SAP appeal process. For details on the appeal process, please refer to Section 4: Right to Appeal.
Financial Aid Suspension Appeal Requirements for Students Meeting SAP Standards:
A student may appeal the financial aid suspension status if:
• The student has now earned the required cumulative minimum GPA and credit completion ratio to meet SAP standards.
• The student is readmitted after academic suspension by St. Catherine University and meets the required minimum SAP standards.
If you are now meeting the SAP requirements, email or call the Financial Aid Office to request that your record be reviewed for financial aid eligibility.
Financial Aid Suspension Appeal Requirements for Students Not Meeting SAP Standards:
• A student who is unable to achieve satisfactory academic progress and is suspended from financial aid has the right to appeal. Students may appeal based on unusual or extenuating circumstances, provided they can document the circumstance and demonstrate that the barriers to academic success have been removed. Unusual circumstances that interfered with the student’s ability to meet SAP standards include, but are not limited to:
• illness, accident, or injury experienced by the student or a significant person in the student’s life
• death of a family member or significant person in the student’s life
• divorce experienced by the student or parent
• personal problems or issues with spouse, family, roommate, or other significant person
• exceeding time frame while in a second undergraduate or dual degree program or as a result of changing major.
Students with unusual or extenuating circumstances who can document the circumstance and demonstrate that the barriers to academic success have been removed should complete the Satisfactory Academic Progress Suspension Appeal Form.
The student should submit the appeal form and required accompanying documentation within 10 days of notification that the student has been suspended. Appeals received more than 10 days after the student was notified of their suspension status will receive equal consideration, provided there is a reasonable explanation for the delay.
In order to appeal, a student is required to:
• Complete the Satisfactory Academic Progress Suspension Appeal Form.
• Submit a written statement that identifies the barrier(s) that prevented the student from meeting SAP requirements in the past and explain what has changed that will now allow the student to meet the minimum SAP requirements in the future.
• Attach supporting documentation, from a third-party such as a counselor or doctor, to verify the conditions and dates of the circumstances hindering the student’s academic success and to confirm that these barriers have been removed.
• Outline how the student will be able to meet the minimum cumulative GPA and credit completion ratio after her/his next term of enrollment. If s/he is not able to meet the minimum cumulative GPA and credit completion ratio after the next term of enrollment, the student must meet with her/his Academic Advisor/Program Director to develop an academic plan that clearly details how the student will meet SAP standards.
• The appeal form must be signed by the student’s Academic Advisor/Program Director and the academic plan developed together must ensure that the student is able to meet the minimum cumulative GPA and/or credit completion ratio by a specific point in time.
If you have any questions regarding the SAP policy, the appeal process or appeal form, please contact your financial aid counselor or the Financial Aid Office at firstname.lastname@example.org.
The Higher Education Opportunity Act (HEOA) signed August, 14, 2008 requires an institution participating in a Title IV program to publish a code of conduct [HEOA 487 (a) (25)]. This code of conduct prohibits conflicts of interest for its financial aid personnel. St. Catherine University’s officers, employees and agents are required to comply with this code of conduct. The following provisions bring the St. Catherine University into compliance with the federal law [HEOA 487 (e)]. Where applicable, this code is superseded by the St. Catherine University’s Employee Handbook, if more restrictive.
St. Catherine University employees are prohibited from: