Financial Aid Consumer Information

Due to federal regulations, we are required to provide basic consumer information to you as an enrolled student at George Fox University. Listed below is some of the information, in no particular order, that we are required to provide to you.

Table of Contents

Cost of Attendance

In general, the estimated cost of attending George Fox University is listed on your award letter or through your MyGeorgeFox portal. The cost of attendance is only an estimate and used to calculate the aid for which you are awarded.

Your financial aid cost of attendance reflects direct and indirect costs to attend George Fox University. Tuition and fees and, for undergraduate students, room and board, are generally your direct costs. Personal expenses, books and supplies, and transportation are generally your indirect costs.

Your student account will provide details to your exact (direct) costs to attend George Fox University. If you have any further questions on any of your charges, please contact your student account specialist.

Federal Aid

The following are need-based federal financial aid grants and loans available to adult degree and traditional undergraduate students.

Need-Based Federal Aid

The following are the non-need-based federal aid grants and loans available.

Non-Need-Based Federal Aid

Graduate and adult degree students: All of the above awards have specific requirements that determine eligibility such as expected family contribution (EFC), financial need (as determined from EFC), majors, field of study and GPA. The PLUS loan is subject to an approved credit check in order to qualify for the loan. 

Traditional undergraduate students: All of the above awards have specific requirements that determine eligibility such as expected family contribution (EFC), financial need (as determined from EFC), majors, field of study, high-school curriculum and GPA.

The PLUS loans are subject to an approved credit check in order to qualify for the loan.  One must find a school-approved job, be hired for the job, and work hours in the job to receive any funds for Federal Student Employment.

Federal Direct Loans

Federal Direct Loans (subsidized, unsubsidized, Grad Plus and Parent PLUS) are made available to students by filing the FAFSA (Free Application for Federal Student Aid). The Direct Loan Program offers the following types of loans: 

Student borrowers are not required to begin making payments until after they drop below half-time attendance, graduate or leave school. PLUS loan payments begin after the loan is fully disbursed.

Loan Eligibility

George Fox will inform you how much you may borrow and the types of loans you are eligible to receive on your award package. To receive a PLUS Loan, you (or your parent, if a dependent student) must fill out a borrower request form and be credit approved for the loan.

For a Direct PLUS Loan, the Department of Education will check your credit history. To be eligible to receive a PLUS loan, you must not have an adverse credit history. If you are determined to have an adverse credit history, you may still receive a Direct PLUS Loan if you obtain an endorser who does not have an adverse credit history. An endorser is someone who agrees to repay the Direct PLUS Loan if you do not repay the loan.*

In some cases, you may also be able to obtain a Direct PLUS Loan if you can document to the satisfaction of the Department of Education that there are extenuating circumstances related to your adverse credit history. 

*Undergraduate and Adult Degree Program students: If you are a parent borrowing on behalf of your dependent student, the endorser may not be the student on whose behalf a parent obtains a Direct PLUS Loan.

The information below will give you an idea of the loan amounts you may be eligible to receive.

Annual Loan Amounts

Annual Stafford Loan Limits Dependent Student Independent Student

1st Year Undergraduate

(maximum of $3,500 subsidized)

2nd Year Undergraduate


3rd & 4th Year Undergraduates




n/a $20,500
Doctoral Degree in Clinical Psychology
(9-month enrollment)
n/a $33,000
Doctoral Degree in Clinical Psychology
(12-month enrollment)
n/a $37,167
  • Dependent students are those who filed a FAFSA with their parents, except those whose parents are unable to borrow a PLUS loan. In this case, a student may be considered independent for loan purposes only.
  • The independent student limits also apply to dependent students whose parents are unable to borrow a PLUS loan due to a denial.
  • The numbers in parentheses represent the maximum loan amount that may be subsidized.
  • In general, Direct PLUS loans cannot exceed the cost of attendance minus any other financial aid/resources of the student.

The actual loan amount you are eligible to receive for an academic year is determined by your school and may be less than the maximum annual amounts shown in the chart above.

Loan Limits

Below are the aggregate (total) limits for subsidized and unsubsidized loans:

These aggregate limits include both Direct Subsidized and Unsubsidized Loans and any subsidized and unsubsidized Federal Stafford Loans received through the Federal Family Education Loan (FFEL) Program (which is no longer available).

Except for Direct PLUS loans, to receive the above loans, one must complete loan entrance counseling, a master promissory note (MPN), and an annual student loan acknowledgement. Loan entrance counseling, the MPN and loan exit counseling provides additional details on your rights and responsibilities as a federal student loan borrower. You can complete your Stafford loan entrance counseling, MPN, and loan acknowledgement at Loan exit counseling is explained below.

Repayment Plans

There are many different repayment plans for direct Stafford and PLUS loans. For further details on these plans, please reference the Direct Loans website or call Direct Loan Servicing.

There is a six-month grace period for Stafford loans, and PLUS loans begin repayment after the last disbursement for the loan. The standard repayment period for a direct loan is 10 years (120 months).

To see the current interest rates for Direct Stafford Loans and Parent PLUS loans, visit The minimum payment of Direct Loans is $50. Various loan forgiveness programs may also be applicable to the borrower.

Federal Perkins Loan (Undergraduate)

The Federal Perkins Loan is a need-based loan awarded to the neediest students. These loan funds are limited by the amount the federal government allocates to each school for their awarding.

There are various loan forgiveness options for the Federal Perkins Loan. There is a nine-month grace period for the loan, the interest rate is fixed at 5%, and it has a 10-year repayment plan. The minimum payment for the loan is $40.

Federal Perkins Loan entrance and exit counseling is required, along with the MPN, which provides details of your rights and responsibilities. For more information on your Perkins loan, please see your financial aid counselor, who can refer you to the Perkins loan coordinator. Update: The Federal Perkins Loan program expired Oct. 1, 2017.

Exit Loan Counseling

All loan exit counseling is required when a student attends less than half time, leaves school or graduates. It is important to complete loan exit counseling because it will outline your rights and responsibilities as a borrower in repayment, as well as give you an idea of your payment schedule.

Loan Payments

As a student who borrows from the federal government, you will need to repay the government what you have borrowed to pay for your education. Ignoring or skipping loan payments will adversely affect your credit history. Defaulting on student loans may also make you ineligible for any future federal aid.

According to the Higher Education Opportunity Act, student loans cannot be included in a bankruptcy. You can complete your Stafford loan exit counseling at  Information and totals on your federal loans can also be viewed at this site.

George Fox University’s current default rate on federal student loans for the FY2018 year is 1.6%.

Note: All federal loan information is submitted to the National Student Loan Data System (NSLDS). NSLDS is the U.S. Department of Education’s central database for student aid. It receives data from schools, agencies that guarantee loans, lenders and other related institutions. NSLDS provides a centralized, integrated view of federal loans and grants. Visit to access your federal loan data.

Deferment of Federal Education Loans

A deferment is a period in which repayment of the principal balance is temporarily postponed if you meet certain requirements. During a deferment, the government pays the interest on subsidized loans.

For unsubsidized and PLUS loans, the borrower is responsible for paying the interest that accrues during the deferment period. A borrower can pay the interest as it accrues during the deferment period, or allow it to be capitalized with the principal balance of the loan. 

The following are conditions when a deferment is allowable:

To request a deferment, please contact Direct Loan Servicing.  You may find more information at

Other Aid

Other need-based and non-need-based state, local, institutional and private aid programs that are available to students are listed below.


*For traditional undergraduate students. Students are not eligible to receive these scholarships or grants while enrolled in First Year Online.


*For undergraduate students
#For Adult Degree Program and undergraduate students

Additional Undergraduate Awards

The above listed awards/programs are not all inclusive of all possible aid available to students, but rather our most common programs at George Fox. All awards have different qualifying criteria.

Institutional award eligibility is primarily determined on an annual basis. Awards will be prorated accordingly if attending less than an academic year.

Applying for Aid

Generally, acceptance to the university qualifies you for any merit aid or aid from awards of circumstances. To apply for federal and state aid, completing the FAFSA is required (you must be a U.S. citizen or eligible non-citizen to apply). You can complete the FAFSA at Other applications may be required for some institutional and outside/external aid. 

Federal aid eligibility is determined from the EFC derived from the FAFSA. Financial need is calculated with the cost of attendance and EFC to determine need-based and non-need-based aid eligibility.

For undergraduate students, merit aid eligibility is determined by a student’s own merits (GPA). Awards of circumstances eligibility is determined by the circumstances of the student (city of primary residence, state coming from, organizations a part of, religion, family traits and attributes, etc.).

Distribution of Aid

At George Fox University, financial aid is distributed to students by various means. Generally, most of the institutional aid is awarded to the traditional undergraduate students due to the higher cost of tuition.

In evaluating and assessing the student body profile at George Fox, awarding structure/policies are developed to entice recruitment of certain types of students. For merit aid, award levels are based on cumulative high school GPA (college GPA for transfer students). Other smaller awards are based on certain types/groups of students that the school wants to recruit to the school. Also, there are awards based on levels of need from the FAFSA.

The adult degree program and First Year Online does not have institutional aid due to its reduced cost. The graduate program generally does not have institutional aid as well. A very minimal amount of institutional aid is awarded by a few graduate programs.

Rights & Responsibilities of Students Receiving Aid

At George Fox University, if you are a student receiving any type of aid, you have the right to accept or decline any aid that is offered to you.

Please pay special attention to all award messages on your award letter. These messages give you additional information about your specific awards. Also, please be aware that any changes in federal, state and/or institutional policies may result in award changes (revisions).

We will notify you of any award revisions of your financial aid award package. Any scholarships/grants not known to George Fox may also result in award revisions. It is your responsibility to notify the financial aid office of any external scholarships/grants that are awarded to you.

As a financial aid recipient, you must meet certain basic requirements. The basic requirements are as follows:

For federal and state aid, the basic requirements are those stated above as well as the additional requirements that follow:

As federal, state and institutional rules and regulations are constantly changing, your above right and responsibilities are subject to change at any time. It is your responsibility to know the above requirements for aid.

If you have any conflicting information in relation to the above requirements, you have the right to appeal this decision with your financial aid counselor.

Financial Aid Disbursement

Financial aid is disbursed to student accounts after all eligibility requirements for the award have been met. Generally, things that can prevent a disbursement from occurring are:

In general, the first disbursement occurs 10 days prior to the first day of the term and every week thereafter in the term. On and after the first day of the term, all eligibility criteria of the fund must be met in order to be disbursed.

Upon having any loan funds disbursed to you, you will have 10 days from the date of disbursement to have the funds returned. To do so, you must submit your request to us in writing within this 10-day window. If you want to return your loan funds after the 10-day window, you must do so by paying the lender directly.

Federal Student Employment (Work-Study) for Undergraduates

Federal student employment (or Federal Work-Study) is awarded to students on a need-based criteria. If you are awarded a federal student employment award, it does not mean that you will be given or disbursed these funds up front.

To receive federal student employment funds, you must be employed by an eligible school employer and perform the work required to earn the funds. Students are paid via paycheck or direct deposit. You may also request to have a portion or all of your salary applied to your student account.

George Fox stresses the importance of teaching job-finding skills in the job application process. To start the process:

Upon being hired for student employment, it is your responsibility to sustain the position with your supervisor. The pay rate for most George Fox student employment jobs is generally the Yamhill County minimum wage.

If you are not able to obtain a job through federal student employment, you may ask your financial aid counselor to delete it off your award package. Be aware that doing so will prevent you from receiving any federal student employment funds. Also, having your counselor delete it from your award package does not necessarily qualify you for additional aid.

Satisfactory Academic Progress (SAP)

Satisfactory Academic Progress (SAP) for financial aid must be met in order for a student to be eligible for financial aid. There are two primary components for measuring SAP: qualitative and quantitative.

Under the qualitative standard, a student must maintain a 2.0 cumulative GPA, at all times, while attending school. The quantitative standard requires a student to pass at least 67% of their credits attempted for each term.

The maximum time frame for a student’s financial aid eligibility is 150% of the length of the program. For a student to be eligible for financial aid, it must be mathematically possible to finish the program within the maximum time frame. If additional degrees (double majors/minors) are desired, the maximum time frame will be 150% of the program with the greatest number of credits needed to graduate.

If one is able to earn an undergraduate degree with their current credits, eligibility for federal financial aid will end.

SAP will be calculated after each term of enrollment. 

Warning Status

Upon failing to meet SAP, a student is given a warning (warning status). Warning status means that the student is eligible for financial aid in the following term to regain/re-establish their SAP eligibility. If the student fails to re-establish SAP in the following term, the student is suspended (revoked) of their financial aid and is not eligible for aid in any subsequent term. 

Revoked Status

Students who have their financial aid revoked must attend school on their own resources (without financial aid) to regain/reinstate their SAP eligibility. A student who has their financial aid revoked for the first time also has the option to appeal their SAP status by completing an SAP appeal form, available on the financial aid website on the Satisfactory Academic Progress page.

Within the SAP appeal form, the student must state the reasons for failing SAP and what will be done to remedy the situation. If an appeal is approved, a student is placed on probation, meaning that the student may receive aid with certain conditions and/or requirements.

Probation Status

With the probation status, an academic plan will be written (statement of requirements and understanding) that outlines the requirements to re-establish or continue with SAP eligibility. If the requirements are not met at the end of the probation term(s), financial aid will be suspended (revoked) again and an appeal is not allowed (one must attend the following term without financial aid).

Students must also appeal to change their academic plan. In the appeal to change an academic plan, it must state what has happened to make the change necessary and how they will be able to still make satisfactory academic progress. An appeal to change the academic plan must be done sooner rather than later to allow the change to be effective toward academic progress.

Helpful Information

Withdrawing & Return of Federal Student Aid funds

At George Fox University, to officially withdraw from a term, you must complete the withdrawal form through your account. Completion of the form is notification to the university of your intent to withdraw and the date of your withdrawal, unless there are circumstances beyond one’s control. University administration will evaluate these unusual circumstances on an individual basis.

Leave of Absence

A mid-semester leave of absence (LOA) is considered a withdrawal (for financial aid purposes) from the current term. Please understand that a withdrawal or LOA can have financial consequences toward your financial aid and charges on your student account.

Failure to return from a LOA may result in the exhaustion of your student loan deferment period, which will cause your student loans to go into repayment. The registrar’s office is the only office that can accept notifications of official withdrawals.

Withdrawal Policy

According to the Higher Education Opportunity Act (HEOA), sessions are treated as individual enrollment within the term. Enrollment in a session is treated individually within the term. This means that dropping a class in a session will be classified as a withdrawal if there is no concurrent enrollment at the time of withdrawal, regardless of past (class that was completed or received a grade) or future enrollment in other sessions.

At the time of a withdrawal from a session with a future enrollment in another session, a student may supply a note or message to our office (may be done in confirming intent of the future session, which will classify the student as enrolled (future class must be no more than 45 days after the date of withdrawal).

If the student does not attend the class in the future session, it will be classified as a withdrawal back to the original date attendance ceased. Upon a session withdrawal, the below withdrawal policies will be applied in relation to the projected time of enrollment within the sessions in the term.

Federal Aid

Federal regulations require that we calculate how much aid you are eligible for and need to return upon withdrawing. This is called the Return of Title IV funds (R2T4).

Generally, the percentage of time a student attended in the term is what he/she is eligible for in federal aid unless unearned charges are less than the federal aid eligible.  If unearned charges are less than the federal aid eligible, a student is then eligible for the total federal aid less the unearned charges. 

In the event that your federal aid has not been disbursed prior to withdrawal, we are required to calculate the federal aid that you are eligible for and perform a post-withdrawal disbursement. A post-withdrawal disbursement requires obtaining permission from the student before we disburse any eligible federal aid. If this occurs, your financial aid counselor will notify you of this occurrence. For all Return of Title IV calculations, original charges to a student’s account are used. 

To find out specific details of how much federal aid you may be eligible for upon withdrawing, please contact your financial aid counselor. 

Institutional Charges

The institutional refund policy is as follows:          

Each “week” referenced above refers to 1/16 (6.363%) of the course/session length.  Sessions always begin on a Monday (except Spring 2021, which began on Tuesday, Jan. 19, for most traditional undergraduate students), and can be found on your in the “Student Services Center” on the “Academics” tab.

To see the dates, go to “Classes,” then click on specific class or classes for class details, and listed as “Dates” in the “Class Details” section are the dates of the class/session (not to be confused with “Meeting Dates” in the “Meeting Information” area). Additional refund information is available on the Student Financial Services website under “Removal of Institutional Charges.”

Institutional Aid

All institutional aid eligibility will coincide and be proportionately equal to the institutional refund policy.

State Aid

All state aid will be adjusted in accordance with the state office issuing the funds.

Each of the above refund policies are independent of each other and are performed on a separate basis. After all withdrawal calculations are performed, an outstanding balance may occur. If this does happen, the student is responsible for the remaining balance owed. This balance may prevent future enrollment and may place a hold on your record/account. Conversely, if you have a credit balance after the withdrawal calculations are performed, a refund check for the amount will be sent to you.

Study Abroad Programs: Federal Student Aid

A student who chooses to study abroad is eligible for Federal Student Aid through George Fox. Study abroad students are students who choose to study at another eligible institution while maintaining enrollment at George Fox.

To study abroad, the student must make sure that all classes being taken at the visiting institution can be transferred and applied to their degree. This approval must be done by an academic advisor or enrollment counselor. As a study abroad student, the student is responsible for having his or her grades transferred before their next term starts (or soon thereafter if the terms are continuously rolling). 

Study Abroad Through George Fox University Programs

Study abroad through George Fox University must be coordinated through the study abroad office, which in turn works with eligible consortium institutions. As a study abroad student in the approved colleges that George Fox works with, a student is eligible for all financial aid (excluding work-study) that they would normally be eligible for as a George Fox student (institutional, state and federal aid).

The student is charged as a George Fox student (an additional fee may be applicable, depending on the study abroad program), and enrollment is maintained at George Fox.

Study Abroad Outside George Fox University Programs

To study abroad at a school outside of George Fox University’s study abroad partnerships means that the student is attending another eligible institution while maintaining enrollment at George Fox and wants financial aid for this study. In this case, the study abroad is coordinated through the financial aid office. This financial aid consortium agreement is approved on a case-by-case basis.

It is George Fox University’s financial aid policy to not enter into consortium agreements with another school unless it is an approved study through the study abroad office. Also, be aware that an approval to pursue a consortium agreement by George Fox University does not mean it will be approved by the visiting institution.

Every school has the right to approve or deny consortium agreements. In this case, a student is eligible for federal student aid only. The student will be responsible for making sure George Fox receives the bill from the visiting institution and must follow through in making sure all classes are transferred after the term is completed.

Upon receiving a bill from the visiting institution, George Fox University will send a check for the student’s federal aid to that institution.

Penalties for Drug Law Violation

A federal law suspends eligibility for students with drug convictions that occurred during enrollment periods while receiving federal student aid. Federal and state convictions for the possession or sale of illegal drugs will result in suspended eligibility of federal aid.

Convictions that were removed from your record or occurred before you turned the age of 18 (unless you were tried as an adult) should not count toward this suspension of federal aid eligibility.  

Family Educational Rights & Privacy Act (FERPA)

The Family Educational Rights and Privacy Act (FERPA) apply to students who are or were enrolled at George Fox. No one shall have access to, nor does the institution disclose any information from, students' education records without the written consent of students except to personnel within the institution with direct educational interest, to persons or organizations providing students' financial aid, to accrediting agencies carrying out their accreditation function, to persons in compliance with a judicial order, and to persons in an emergency in order to protect the health or safety of students or other persons. All these exceptions are permitted under the Act.

Students are afforded the right to consent to disclosures of personally identifiable information contained in the student's education records, except to the extent that FERPA authorizes disclosure without consent. One exception that permits disclosure without consent is disclosure to school officials with legitimate educational interests. A school official is:

A school official has a legitimate educational interest if the official needs to review an educational record in order to fulfill his or her professional responsibility. Upon request, the university may disclose educational records without consent to officials of another school in which a student seeks or intends to enroll.

At its discretion, George Fox may provide "directory information" in accordance with the provisions of the Act. Directory information is defined as that information which would not generally be considered harmful or an invasion of privacy if disclosed. The university construes the following information to be "directory information":

The university also considers photographs to be directory information. As such, release of photographs also is permitted.

Students may restrict the release of their directory information to third parties by annually submitting a signed and dated statement to the registrar's office within the first two weeks of the semester. Otherwise, all photographs and information listed above are considered as "directory information" according to federal law. Non-directory information, notably grade records, is released to third parties only on written request of the student, or otherwise required by law (e.g., subpoena).

The law provides students the right to inspect and review information contained in their education records, to challenge the contents of their education records, to have a hearing if the outcome of the challenge is unsatisfactory, and to submit explanatory statements for inclusion in their files if they feel the hearing panel's decisions are unacceptable. Additional information regarding the hearing procedures will be provided to the student when notified of the right to a hearing.

The registrar's office at George Fox has been designated by the institution to coordinate the inspection and review of procedures for student education records, which include admission, personal, and academic files, and academic, cooperative education, disciplinary records, and placement records.

Students wishing to review their education records must give a written request to the registrar listing the item or items of interest. Only records covered in the Act are made available within 45 days of the request. Education records do not include student health records, employment records, alumni records, or records of instructional, administrative, and educational personnel that are the sole possession of the maker and are not accessible or revealed to any individual except a temporary substitute. Health records, however, may be reviewed by physicians of the student's choosing.

Students may not inspect and review the following as outlined by the Act:

Detailed information about FERPA

Who to Contact with Questions

If you have any questions about the above financial aid consumer information/disclosures, please contact your financial aid counselor. You may also request a paper copy of this consumer information by asking for it at the financial aid office during normal business hours. Our office is located on the second floor of the Stevens Center on the Newberg campus.

Our contact information is:

George Fox University
Financial Aid Office
414 N. Meridian St. #6068
Newberg, OR 97132-2697