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The JSU Office of Student Financial Services contacts you regarding your financial aid through your JSU GEM Email Account and messages posted on your Active Messages page on MyJSU. Please check both systems regularly for up to date information.

Steps to apply for Financial Aid
How do I locate my My.JSU user name and password?
How do I locate my JSU GEM Email user id and password?
What can I view on My.JSU?
Steps to view your Financial Aid Status on My.JSU
Steps to view your Active Messages on My.JSU
Steps to view your Scholarships on My.JSU
Steps to Accept your award on My.JSU
Steps to apply for Federal Direct Parent Plus Loans
Instructions for signing a Direct Loan Master Promissory Note
Instructions for completing Direct Loan Entrance Counseling
Steps to apply for a Federal Direct Graduate Plus Loan
Instructions for signing a Federal Direct Graduate Plus Loan
Steps to apply for a Private/Alternative Loan
Steps to make adjustments to a loan
Steps to check the status of your loans
What do I do if I am on Financial Aid Suspension?
What happens if I withdraw or stop attending classes?
What is the JSU Return of Title IV Funds Policy?
What is a Cost of Attendance?
What is my Cost of Attendance for Summer?
What is my Cost of Attendance for Fall and Spring?
How do I view my charges on my student account?
Where can I find Payment Plan information?
Where can I find Book Voucher Information?


What are the Steps to apply for Financial Aid at JSU?
1. Apply for a Federal PIN number for the student and the parent at www.pin.ed.gov in order to be able to sign theFree Application for Federal Student Aid (FAFSA.)

2. Complete the Free Application for Federal Student Aid (FAFSA) using JSU's School code (001020) at www.fafsa.gov for the correct academic year. Example: 2014-2015 FAFSA for Fall 2014, Spring 2015 and Summer 2015; 2015-2016 FAFSA for Fall 2015, Spring 2016 and Summer 2016

3. Once JSU receives the FAFSA, an email will be sent to your JSU GEM Email explaining what you will need to do to view your status on My.JSU or you may view your status on My.JSU (see information below on how to log in and view information on My.JSU.)

What happens next…

1. When your file is complete and eligibility has been determined, you will be offered the maximum amount of federal financial aid (including federal Pell grants and loans) for which you are eligible at the time of award. Awarding for Fall/Spring normally begins in May. Summer awards are typically made within a week of application.

2. You will be notified via your JSU Email of an award, or you may accept your award on My.JSU.

How do I locate my My.JSU user name and password?
1. Go to http://my.jsu.edu/cp/home/loginf

2. "How do I get my user name and password" Click Here.

How do I locate my JSU GEM Email user id and password?
1. Click http://gem.jsu.edu/

2. Click "Help! What is my initial GEM Email Password???"

What can I view on My.JSU?
1. Student Account

2. Payment Plan Information

3. Unofficial Transcript

4. Class Schedule

5. Register, drop and/or add a class

6. Financial Aid Information including requirements, award offer, and Satisfactory Academic Progress standing.

Steps to view your Financial Aid Status on My.JSU
1. Login to My.JSU at http://my.jsu.edu.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status."

6. Click on the status that you wish to view. For example, if you have requirements that need to be completed, your status will allow you to click on "unsatisfied requirements." If you want to know your Financial Aid Satisfactory Academic Progress Status. you can click on your "Satisfactory Academic Progress Status."

Steps to view your Active Messages on My.JSU
1. Login to My.JSU at http://my.jsu.edu.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status," select correct academic year, then Click "Submit."

6. Click "You have active messages."

Steps to view your Scholarships on on My.JSU
1. Login to My.JSU at http://my.jsu.edu.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. Click "Award for Aid Year," then select correct academic year and click "Submit."

7. Click "Award Overview Tab."

Steps to view and accept your Offer of Financial Aid on My.JSU
1. Login to My.JSU at http://my.jsu.edu.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. Click "Award for Aid Year," then select correct academic year and click "Submit."

7. Click "Resources Tab," read the important information letter, then Click "Submit."

8. Click "Accept Award Offer" Tab.

9. Follow the directions on the page to Review and Accept or Decrease the Loans.

Steps to apply for Federal Direct Parent Plus Loans
FAFSA must be completed.
1. Go to http://www.jsu.edu/finaid.

2. Click Forms.

3. Click Parental Forms.

4. Click on the appropriate year forms - Parent PLUS Information Letter, Instruction Letter, or other Parent PLUS forms as necessary.

Step by Step Instructions for Signing a Direct Loan MPN (Master Promissory Note)
1. Go to https://studentloans.gov/myDirectLoan/index.action.

2. Disable pop ups before you begin.

3. Click Complete SIGN IN.

4. Type in your Social Security Number, first two letters of your last name (per the FAFSA), date of birth and your FAFSA PIN number.

5. Click Complete a Master Promissory Note.

6. Click Subsidized/Unsubsidized.

7. Complete the information requested including Jacksonville State University as your school; click "continue."

8. Complete Reference 1 and 2; telephone numbers must contain area code and dashes (example: 256-782-5006), click "Continue."

9. Review Sections C, D, E, F and G. Click the check box and then click "Continue."

10. If you do not click on each section listed above, you will not be allowed to continue with the process.

11. Verify information and type your name in the fields provided at the bottom of the page, click "Continue."

12. View the HTML Version of the Master Promissory Note, then click "Continue."

13. If you wish to print/view your Master Promissory Note, click "View PDF." If you do not receive this message - 'Thank you for submitting your MPN. You may view/download the PDF version of your complete MPN' - you have not successfully completed a Master Promissory Note.


Step by Step Instructions for Direct Loan Entrance Counseling
1. Go to https://studentloans.gov/myDirectLoan/index.action.

2. Disable pop ups before you begin.

3. Click SIGN IN.

4. Type in your Social Security Number, first two letters of your last name (per the FAFSA), date of birth and your FAFSA PIN number.

5. Click "Complete Entrance Counseling."

6. Click your student type.

7. Read the information, then click "Continue."

8. Choose Alabama and Jacksonville State University, then click "Continue."

9. Read the information on each screen and answer the questions. (Each question will have a pop up box that will show you the correct answer after your selection. Click the 'X' in the top right corner to continue to the next question.) Click "next" when finished.

10. Read the information, click "Continue."

11. Read the information, click "Submit."

12. Click to review the Rights and Responsibilities; click "Submit." If you do not review the Rights and Responsibilities  you will not be allowed to proceed.

13. You may print your Entrance Counseling confirmation for your records.

NOTE: Please be aware that all students are required to sign a Promissory Note. You will be required to complete these processes before any money will be disbursed to your account.

*Once your Entrance Counseling and Direct Loan Master Promissory Note are completed at JSU, you do not have to complete these documents again while at our university, provided there is not a loan program change.

*Please note: To receive a student loan you must be enrolled in at least six credit hours at your level. Graduate students taking undergraduate deficiencies must contact the Office of Student Financial Services for eligibility criteria.

FOR PARENT PLUS LOAN BORROWERS, THE PARENTS ARE ALSO REQUIRED TO COMPLETE THE MASTER PROMISSORY NOTE.


Steps to Apply for Federal Direct Graduate Plus Loans
1. Go to http://www.jsu.edu/finaid.

2. Click Forms.

3. Click the Federal Direct Graduate Plus Loan Program Application to open and print the document.

4. Complete the required paper work and return to the JSU Office of Student Financial Services.

5. The Financial Services Office will process the loan, and the student will be notified of any additional documentation needed.


Step by Step Instructions for Graduates Signing a PLUS MPN (Master Promissory Note)
You must have an approved/awarded Graduate PLUS Loan before you may complete a Graduate PLUS MPN.
1. Go to https://studentloans.gov/myDirectLoan/index.action.

2. Disable pop ups before you begin.

3. Click Complete SIGN IN.

4. Type in your Social Security Number, first two letters of your last name (per the FAFSA), date of birth and your FAFSA PIN number.

5. Click Complete a Master Promissory Note.

6. Click "Graduate PLUS."

7. Complete the information that is requested; telephone numbers must contain area code and dashes (example: 256-782-5006), including Jacksonville State University as your school, click "Continue."

8. Complete Reference 1 and 2; telephone numbers must contain area code and dashes (example: 256-782-5006), click "Continue."

9. Review Sections C, D, E, F and G; click the check box and then click "Continue."

If you do not click on each section listed above then it will not allow you to continue with the process.

10. Verify information and type your name in the fields provided at the bottom of the page, click "Continue."

11. View the HTML Version of the Master Promissory Note, click "Continue."

12. If you wish to print/view your Master Promissory Note, click "View PDF." If you do not receive this message - 'Thank you for submitting your MPN. You may view/download the PDF version of your complete MPN.' - you have not successfully completed a Master Promissory Note.


Steps to apply for a Private/Alternative Loan
The Office of Student Financial Services encourages all students eligible for federal loans to maximize their eligibility before borrowing any alternative loans. However, if you must borrow an alternative loan, we recommend that you review many alternative loan lenders and research their policies and loan terms to decide which lender is best for you. We will process an alternative loan with the lender of your choice. If you would like to review a historical list of private loan lenders to JSU students, click FASTCHOICE.  Another way to locate alternative lenders is to do an internet search for "private student loans." Our office cannot suggest or recommend an alternative lender. The lender that you choose must send your certification via ELM. Please note that lenders are required to supply you with the Truth and Lending Act information, a self-certification form, and a three day right to rescind.

In addition to other regulations, JSU requires students to be enrolled in at least half time and meeting Satisfactory Academic Progress.

The U. S. Congress mandated that private loan lenders require borrowers to complete an Applicant Self-Certification Form when requesting any private educational loans. DO NOT SUBMIT YOUR SELF-CERTIFICATION FORM TO THE JSU OFFICE OF STUDENT FINANCIAL SERVICES as we cannot complete this form for you. You should submit this information to your chosen lender.

The following SECTION 3 of the Self-Certification Form must be completed from your latest financial aid award notice on My.JSU. If you have not been awarded, you may wish to wait to apply for a private loan or see the information listed below for students not receiving financial aid.

Section 3: Cost of Attendance and Estimated Financial Assistance

A. Student's cost of attendance for the period of enrollment covered by the loan

B. Estimated Financial Assistance

C. Difference between amounts A and B

How can you find the information to complete Section 3?
1. Login to My.JSU at http://my.jsu.edu

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award."

6. Click "Award for Aid Year."

7. Must match the correct academic award year with the loan period. Example: If you are attending Summer 2015, your award year is 2014-2015. If you are attending Fall/Spring/Summer 2014-2015, your award year is 2014-2015.

8. Click "Award Overview."

9. Complete Line A with the Cost of Attendance total amount.

10. Complete Line B with the total from Financial Aid Award. This is the estimated financial assistance and is the total of all your Financial Aid, including any loans that you see already on your financial aid.

***Reminder: You must complete and sign the Self-Certification Form and send it to your lender. Always check to see if you can e-sign this form on your lender's web site.

ONLY FOR STUDENTS NOT RECEIVING FINANCIAL AID

If you did not file the FAFSA or do not have Financial Aid information on Financial Aid Self-Service, then the table below is a best estimate for you to use.

Be aware, lenders WILL verify your information with JSU via an electronic school certification request. It is important for you to understand that you cannot receive more financial aid funds (including loans) than your Cost of Attendance, regardless of the source of those funds. The Cost of Attendance in listed below under "What is my Cost of Attendance for Semester attending?" The JSU Office of Student Financial Services will certify the private loan with more detailed budget data during the school certification process.


Steps to make adjustments to an Already Applied For Loan
1. Stop in the Office of Student Financial Aid Services in Bibb Graves Hall, Room 107.

2. Complete the necessary paperwork to authorize the Office of Student Financial Services to adjust your loans.

3. The Office of Student Financial Services will then adjust the loans in a timely manner.

4. You will then be notified by the Direct Loan Processors via mail of the adjustments made.


Steps to Check the Status of Your Loans at JSU
1. Login to My.JSU at http://my.jsu.edu

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. Click "Award Payment Schedule" or "Loan Application History."

7. Click "Award for Aid Year." Select correct academic year, then Click "Submit."

8. These screens show expected amounts to be paid and the amounts that have been paid out already. The date listed for payment is not the exact day of payment or check disbursement.


What do I do if I am on Financial Aid Suspension?
1. Login to My.JSU at http://my.jsu.edu

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status."

6. Click on the "Satisfactory Academic Progress Status."

7. Click on the Satisfactory Academic Policy (SAP) and Appeals Information that pertains to the aid year that you are planning to attend. Scroll down to read and follow the instructions for the Appeals Process if you meet the criteria for an appeal.


What happens if I withdraw or stop completing academic related activity in my classes?
To withdraw from JSU, students must complete the Withdrawal Form provided by the Registrar's Office. The date of the withdrawal will normally be the date the form is completed.

FEDERAL RETURN TO TITLE IV POLICY

If you receive Federal Title IV aid and withdraw or stop attending classes, JSU will calculate the amount of aid you did not earn. If it is determined that you received aid you did not earn, the funds will be returned to the appropriate program.

You have only earned the percentage of aid that reflects the percentage of the term you attended. For example, if you complete 25% of the semester, you earned 25% of the Financial Aid you were eligible for during the term of attendance. If you attend more than 60% of the term you will not owe a refund.

If you receive excess aid for the term attended, JSU must return a portion. That amount returned will be the lesser of your institutional charges multiplied by the unearned portion of your aid, or the entire amount. You may then be held accountable for paying this amount to JSU.

If JSU is not required to return the entire amount, you must repay the remaining amount.

* The loans you may have borrowed will be repaid according to the terms of the original promissory note.

* You will only be responsible for overpayment of unearned grants.

* In order to be eligible for future financial aid you will be required to make payment arrangements with the U. S. Department of Education.

Withdrawing and not completing coursework with a passing final grade will directly affect your Financial Aid Satisfactory Academic Progress. Failure to meet this policy will result in suspension of future financial aid. This policy may be viewed by clicking the Forms tab and Satisfactory Academic Progress Policy for the year that you are attending, or on My.JSU under Financial Aid Status.

Information about the JSU refund policy and withdrawal procedures may be viewed at the following sites:

http://www.jsu.edu/bursar/refundpolicy.html

http://www.jsu.edu/registrar/student_forms.html, click the withdrawal form.


What is the JSU Return of Title IV Funds Policy?
To withdraw from JSU, students must complete the Withdrawal Form provided by the Registrar's Office. The date of the withdrawal will normally be the date the form is completed.

The Higher Education Act, section 484B, 34 CFR 668.22 specifies the formula that requires federal aid recipients to *earn* the aid they received while enrolled a least half time. Up through the 60% point in each payment period, a prorated schedule is used to determine the amount of Title IV funds the student has earned at the time of withdrawal. After the 60% point in the payment period, a student has earned 100% of the Title IV funds they received.

A student begins earning Title IV funds on the first day of attendance. Therefore, even if a student withdraws before JSU's last day to register (prior to fund disbursement), the school must perform a Return calculation using the number of days the student was determined to have attended class(es.)

If it is determined by JSU that a student has ceased to attend class(es), an unofficial withdrawal will be calculated using the last determined date of attendance or midpoint.

JSU must always return any unearned Title IV funds within 45 days of the date the school determined the student withdrew. JSU must also offer any post-withdrawal disbursement within 30 days of the date the school determined the student withdrew. A post-withdrawal disbursement must meet the current required conditions as outlined in Return to Title IV Handbook. A post-withdrawal disbursement must be made within 120 days from the date the institution determines that the student withdrew.

JSU must obtain confirmation from a student before making a post-withdrawal disbursement of any kind. JSU must notify a student in writing prior to making any post-withdrawal disbursement of loan funds. The information provided in this notification must include the information necessary for the student to make an informed decision as to whether or not to accept any disbursement of loan funds to pay institutional charges. JSU does not need a written statement from the student, but must document their response.

Any student who withdraws and was eligible for Federal Pell, JSU will disburse funds to the student account. JSU is not required to notify and/or receive information from the student to disburse Pell funds. Pell disbursed will be calculated as a part of the Return to Title IV calculation.

A school must return Title IV funds to the programs from which the student received aid in the following order:

1. Unsubsidized Federal Stafford loan

2. Subsidized Federal Stafford loan

3. Federal Plus loan

4. Federal Pell Grant

5. Academic Competitiveness Grant

6. National Smart Grant

7. TEACH Grant

8. Federal Supplemental Educational Opportunity Grant (FSEOG)


A student does not have to repay a grant overpayment of $50 or less.


What is a Cost of Attendance?
This is an estimate of how much money may be required to attend school for one year at that college, including all reasonable expenses. Most people, when budgeting for college, look at the tuition and assume that tuition is more or less the "price tag" for that school; the reality is that tuition may be as little as 50% of the overall budget.


What is my Cost of Attendance for Summer 2014?

*Estimated Cost of Education (COE) at JSU for Summer 2014

Undergraduate

On Campus

Off Campus

With Parents/Relatives

Tuition

 $1,698

  $1,698

 $1,698

Books and Supplies

 $   599

 $   599

 $   599

Room and Board $2,478

$3,486

$1,371

Transportation

$   941

$1,881

 $1,881

Personal

$   771

 $   771

$   771 

TOTALS

 $6,487

 $8,435

 $6,320

**The Summer 2014 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.

GRADUATE/DOCTORAL

On Campus

Off Campus

With Parents/Relatives

Tuition

 $2,094

 $2,094

 $2,094

Books and Supplies

 $   599

 $   599

 $   599

Room and Board $2,619

$3,486

$1,371

Transportation

$   940

$1,881

 $1,881

Personal

$   771

 $   771

 $   771 

TOTALS

 $7,023

 $8,831

 $6,716

**The Summer 2014 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.

DOCTORAL

On Campus

Off Campus

With Parents/Relatives

Tuition

 $1,047

 $1,047

 $1,047

Books and Supplies

 $   599

 $   599

 $   599

Room and Board $2,619

$3,486

$1,371

Transportation

$   940

$1,881

 $1,881

Personal

$   771

 $   771

$   771 

TOTALS

 $5,976

 $7,784

 $5,669

**The Summer 2014 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.


What is my Cost of Attendance for Fall 2014 and Spring 2015?

*Estimated Cost of Education (COE) at JSU for Fall and Spring Semesters 2014-2015.  If you are attending one semester, please half each estimated cost.

UNDERGRADUATES

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 6,792

$ 6,792

$ 6,792

Fees

$    300

$    300

$    300

Books and Supplies

$ 1,596

$ 1,596

$ 1,596

Room and Board

$ 6,985

$ 9,296

$ 3,656

Personal

$ 2,056

$ 2,056

$ 2,056

Transportation

$ 2,508

$ 5,016

$ 5,016

TOTALS

$20,237

$25,056

$19,416

**The 2014-2015 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.

GRADUATES

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 4,188

$ 4,188

$ 4,188

Fees

$    300

$    300

$    300

Books and Supplies

$ 1,596

$ 1,596

$ 1,596

Room and Board

$ 6,985

$ 9,296

$ 3,656

Personal

$ 2,056

$ 2,056

$ 2,056

Transportation

$ 2,508

$ 5,016

$ 5,016

TOTALS

$17,633

$22,452

$16,812

**The 2014-2015 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning & Research of traditional classroom, in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.

DOCTORAL

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 5,268

$ 5,268

$ 5,268

Fees

$    500

$    500

$    500

Books and Supplies

$ 1,596

$ 1,596

$ 1,596

Room and Board

$ 6,985

$ 9,296

$ 3,656

Personal

$ 2,056

$ 2,056

$ 2,056

Transportation

$ 2,508

$ 5,016

$ 5,016

TOTALS

$18,913

$23,732

$18,092

**The 2014-2015 COE may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning & Research of traditional classroom, in-state hours taken during the fall and spring.  Increases to a student’s COE may be requested at the Office of Student Financial Services by the student based on Out of State status, child care, etc.

How do I view my charges on my student account?
1. Login to My.JSU at http://my.jsu.edu.

2. Click "View Student Account/Make Payment."

3. Click "Recent Activity."

Where do I go for Payment Plan Information?
1. Go to http://www.jsu.edu/bursar/.

Where do I go for Book Voucher Information?
1. Go to http://www.jsu.edu/bursar/.

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