Financial Information

Financing a college education is a concern shared by virtually all prospective students and their parents. The financial information contained in the following pages presents educational expenses in a realistic manner and suggests ways that you can meet them.

Harding University, a private institution without benefit of tax support, must meet its operating costs by income from student tuition and fees, government grants, auxiliary enterprises, gifts and endowment earnings. As tuition and fees are discussed in the following pages, you will discover that the cost of attending Harding is moderate compared to many colleges and universities of the same size and quality.

For Undergraduate Programs

Tuition and Fees

Admission Fees: Two fees are required to complete the Application for Admission process - a $50 application fee and a $140 housing/security deposit. The application fee is nonrefundable and is designed to cover the cost of application processing. The housing deposit will be used to reserve a room each semester and as a security deposit against damage. The housing/security deposit will be refunded for residence hall rooms if your reservation is canceled before May 1 for the fall semester, Oct. 1 for the spring semester, or April 15 for Summer Session. Commuting students should file only the $50 application fee.

First Year Experience Fee: This fee is paid by all incoming students in their first semester at Harding to support all the resources provided by the first year experience program.

Typical Expenses for Undergraduate residential students: A typical resident student taking 15 hours per semester can meet all regular expenses of tuition, fees, room and food service for $26,653 for the school year. A non-boarding student can meet expenses of tuition and fees for $19,640. These expenses are illustrated in the following table:

*Technology/Academic Enrichment Fee: Each full-time student (10 or more hours) will pay a special fee of $250 per term as a Technology/Academic Enrichment Fee. Students taking 9 credit hours or less will pay $25 per credit hour.

Food Service: Food service ranges from $600 to $2,038 per term, depending on the meal plan selected. For information regarding each plan and cost refer to www.harding.edu/businessoffice/.

Married Student Housing: Married student housing is available. Contact the Office of Rental Properties at (501) 279-4367.

Scholarships (requirements described below) are provided by many generous donors. You may find a list of those scholarships, endowment and loan funds at http://www.harding.edu/advancement/scholarships.html.

Course Fees

Course fees are listed on individual courses.

Special Fees

¹Maximum recording fee for all AP, CLEP, exemption, or validation validation by examination transactions is $300.00. 

²These fees vary depending on the program location. E-mail international@harding.edu for specific program costs. A fuel surcharge, imposed by the airlines, may be added. Typically, fuel surcharges range from $100-400. The fee will not exceed $500.

Summer Session Expenses: For financial information regarding Summer Session, contact the University Business Office.

Graduate/Professional School Expenses: For a summary of the tuition and fees for graduate/professional students, see below. The same facilities and rates for room and board are available for graduate/professional students as for undergraduates. Expenses for graduate students at the Harding School of Theology are published in the catalog section for the Harding School of Theology, 1000 Cherry Road, Memphis, TN 38117.

Financial Policies

Financial Responsibility: Harding’s financial well-being is dependent upon prompt payment of accounts. For this reason, Harding transcripts and diplomas will not be released if a student has failed to take care of any indebtedness to the University. Exception is made for government loans if they are not past due. Failure to meet financial obligations to the University may result in the delinquent account being placed with a collection agency. Students are responsible for all attorney fees and other collection costs incurred by the University in collecting accounts. Term charges are not reduced for late enrollment. There will be a $30 service charge on all dishonored paper checks and a $35 service charge on all dishonored electronic checks or web payments.

Payment of Accounts: Payments may be made via electronic form, mail, or in person at the Business Office, located in the Administration Building. Payments may be in the form of cash, check, and money order in person or by mail. American Express, Discover, MasterCard, and Visa are accepted on-line, and electronic checks are accepted on line via a third party vendor (CASHNET).  Credit card fees do apply.

Payment options:

1. Pay the total balance by the due date on the first ebill statement. September 1 for fall term; February 1 for Spring term.
2. Enroll in Harding University Payment Plan. Enrollment fee is $25 per term (fall and spring only). Deadline to enroll is the first day of classes. Pay the balance due in four monthly payments. A late fee of $35 will be assessed if a due date is not met. No interest will accrue on the Harding Payment Plan.
3. Accounts not paid in full or not enrolled in the payment plan will be subject to a per annum interest charge compounded monthly. Interest charges are not reduced for delays in receiving financial aid.
4. Any additional charges incurred during a term will be posted to the student’s account and should be paid by the due date on the statement. Examples include adding classes, traffic fines, library fines, adding declining balances, etc. Any credits posted to an account will appear on the monthly ebill statement. 

Account Credit: Credit balances that remain on the student account are refunded to the student upon their request. Credit balance requests are made via Pipeline. Credit refunds can be in the form of a check or an electronic direct deposit to the student’s checking or savings account.

Students wishing to apply for financial aid must complete a Free Application for Federal Student Aid (FAFSA). Deadlines must be observed, and supporting documents may be required. Applications must be completed each year the student requests financial aid. Students must be sure to observe filing dates  for the following school year. Students are notified periodically of documentation (if any) that is missing from their financial aid file through Pipeline and Harding email.

If prior term charges have not been paid in full, enrollment for a future term will be delayed until payment is received or satisfactory payment arrangements have been approved.

Refunds: Students are granted admission with the understanding that they are to remain for a full term. A student who enrolls in a class but does not attend or stops attending and does not officially withdraw may not receive a refund. An official withdrawal from the University begins in the Student Life Office. A refund of tuition will be made based on the following schedule. (Days indicated are days of the term, excluding Saturday and Sunday.)

Tuition Refund Plan: A protective insurance program provided by DEWAR Insurance Company is available and enrollment is voluntary. The policy will minimize the financial loss for students who suffer a serious illness or accident and have to leave the University. Application is processed on-line at www.collegerefund.com.

After a student withdraws from the University, room and board will be refunded on a pro rated basis. No refunds for board will be made for absences while enrolled in the University.

Appeals related to this refund schedule, complete with appropriate documentation, must be filed on the Tuition Refund Appeal form within one month of the date of withdrawal. Appeal forms are available in the Office of the Registrar.

If a student’s withdrawal is the result of misconduct, the institution is under no obligation to make any refunds.

Residence Hall Security Deposit: The security deposit will be kept as long as a student lives in University housing. When the student leaves University housing, the deposit will be applied to any unpaid balance on the student’s account or it will be refunded within 90 days. Credit Balance Refunds: Students may request a refund through Pipeline. No refunds are issued during the first week of classes.

Financial Aid

Financial aid is available to most Harding students in the form of scholarships, grants, loans, work-study programs, veterans’ programs and vocational rehabilitation programs.

These funds are administered wholly or in part by the Office of Financial Aid Services. Requests for information and assistance should be directed to Harding University, Box 12282, Searcy, AR 72149-5615; telephone (501) 279-4257 or 1-800-477-3243 (toll free); or e-mail finaid@harding.edu.

Requirements: Application for aid should be made as follows:

1. Apply or be admitted to Harding University. Application forms are available from the Office of Undergraduate Admissions.
2. Complete the Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov.
3. Submit any follow-up documentation as required. Any incomplete requirements will be indicated in the student’s Pipeline account.

In most cases, to qualify for financial aid, a student must be enrolled for at least 6 hours each semester. Before enrolling for fewer than 12 hours, students should check with the Office of Financial Aid Services to determine what effect it will have on their financial assistance.

Financial aid awards are based on current federal and state regulations. To help meet students’ needs (as determined by the FAFSA), awards are made in the following order: grants, scholarships, loans and work-study. Students have the right to accept or decline any aid offered.

Financial aid funding limitations

Full-Tuition Limitation: The combined maximum award for all Harding-funded grants, scholarships, discounts or other assistance is limited to a student’s full-tuition charges. Should a student receive multiple Harding-funded awards in excess of full tuition, the awards will be reduced to actual tuition costs. NOTE: NCAA grant-in-aid athletic contracts and Harding-funded National Merit Scholarship Corporation awards are exempt from the full-tuition limitation.

Direct-Costs Limitation: Harding-funded academic-based scholarship assistance and discounts may be combined with state-funded or federal-funded academic awards (including the Arkansas Governor’s Distinguished Scholarship Program), not to exceed a student’s actual direct costs. Direct costs include full tuition, technology fees, standard (multi-occupancy) dorm and standard (190 meals per semester) board. The cost of books, activity or class fees, privileged housing supplemental charges, and the costs associated with maintaining or purchasing a computer are not considered direct costs. Should a student receive multiple academic awards in excess of direct costs, Harding-funded scholarships will be reduced until total scholarships/discounts do not exceed direct costs.

Financial Aid Budget Limitation: Aid in the form of need-based grants, scholarships, student loans, parent loans and work may be received in excess of direct costs, not to exceed a student’s financial aid budget. A financial aid budget includes all direct costs, as well as a reasonable allowance for books, transportation to and from school, and personal expenses. Please refer to the financial aid Web site for a listing of all financial aid budget components.

Return of Federal Aid Funds (Title IV): Students who receive Title IV financial aid (federal loans, federal grants, etc.) and withdraw, drop out, or are dismissed are subject to a calculation to determine the amount of federal aid that was “earned” and “unearned” for the semester. The earned aid is calculated by comparing the number of days completed against the total days in the semester (including weekends). For example, if a student completed 29 days of a regular 116 day semester, the student will be determined to have earned 25% of total aid eligibility. Once the student has completed at least 60% of the semester, all aid is considered earned.

If total federal aid disbursements are less than the amount earned by the student, the student or parent (in the case of a parent loan) will be eligible for a post-withdrawal disbursement. Borrowers eligible for a post-withdrawal disbursement will be notified of their eligibility within 45 days after beginning the withdrawal process and must respond to the aid offer within 14 days.

If total federal aid disbursements are greater than the amount earned by the student, the student will owe a balance to the University and/or the federal government. Unearned funds must be returned within 30 days in the following order:

Federal Direct Unsubsidized Loan
Federal Direct Subsidized Loan
Federal PLUS Loan
Federal Pell Grant
Federal Supplemental Educational Opportunity Grant (FSEOG)
Other Title IV aid programs

Please refer to the Academic Information section of this catalog for detailed withdrawal procedures. Students that stop attending classes without withdrawing, as well as students that receive all failing grades, will be considered unofficially withdrawn. The withdrawal date for all unofficial withdrawals will be determined by the Student Life Office according to the last academic activity completed.

Financial Aid Probation and Suspension: Students who receive Title IV financial aid must make satisfactory progress toward a degree. Satisfactory progress includes maintaining the following grade point averages:

In addition, students must successfully complete at least two-thirds (2/3) of the overall hours attempted cumulatively, and all students must complete all coursework within 150% of the published length of the program (even if the student changes majors, enrolls in remedial coursework, or did not receive federal aid for the entire period of enrollment). Students may repeat enrollment in any courses (either to pass a previously failed course or to simply earn a better grade) so long as all coursework is completed within the 150% maximum time frame permitted. All hours of enrollment after the free drop/add period are considered attempted hours. Earned hours include all courses for which the student has successfully completed with quality points assigned. (See the “Grades ” section of the catalog for additional information on Harding’s grading scale.)

Enrollment progress and grade point average monitoring occurs at the end of each fall, spring and summer term.

Failure to maintain the required grade point average or successfully complete degree work as specified will result in financial aid warning status. Warning status is removed at the end of the semester when the student has satisfied the grade point average and enrollment criteria. Failure to remove financial aid warning status at the end of said semester results in financial aid suspension.

Transfer students are automatically considered in financial aid warning status during their first semester of enrollment at Harding University. Transfer student financial aid warning status is removed at the end of the first semester if the student earns a satisfactory cumulative GPA and successfully completes at least two-thirds (2/3) of all hours attempted. Should a transfer student be admitted with fewer than two-thirds (2/3) of attempted hours completed or with a GPA below the above listed standards, the student will be considered in financial aid suspension status during the first semester of enrollment.

Students on financial aid suspension are not eligible to receive Title IV financial aid. Financial aid suspension status caused by extenuating circumstances may be appealed in writing to the Center for Student Success prior to the stated deadline. A suspension appeal packet can be downloaded on Pipeline. Contact advising@harding.edu or visit the Center for Student Success for additional information. Students approved by appeal are considered in financial aid probation and are generally only granted one additional semester of federal aid eligibility. Failure to make satisfactory progress while in financial aid probation results in financial aid suspension.

Study Abroad Enrollment: Harding study abroad programs consist of courses for which the university awards the academic credit. The courses are taken at university-managed sites in foreign countries. Enrollment in a Harding study abroad program is considered concurrent enrollment at the university making the programs eligible for Title IV assistance.

Scholarships

Ethics: Beyond academic requirements, in accepting financial aid students incur an ethical responsibility to observe the University Code of Conduct and fulfill contractual financial obligations.

Academic Scholarships: All full-time freshman students with a high school grade point average of 3.0 or higher and an ACT score of 22 or SAT total score of 1100 will be considered for an academic scholarship. In cases where multiple scores are reported, the highest composite score will be considered.

All academic scholarships are for eight semesters of undergraduate tuition and are prorated if not enrolled full time. To retain the scholarship a student must maintain at least a 3.0 cumulative grade point average.

Transfer students (defined as having more than one full-time semester or two part-time semesters) are not considered first time in college freshmen and are not considered for the previously mentioned scholarship. Instead, transfer students with a 2.5 or higher college GPA may be considered for a transfer student scholarship.

National Merit Scholarships: An unlimited number of scholarships are available to National Merit Scholarship finalists and semi-finalists. Finalists are awarded an eight semester scholarship which includes full undergraduate tuition, technology fee, standard dorm room and standard meal plan. Semi-finalists receive an eight undergraduate semester full tuition scholarship. To obtain this award, the finalist and semi-finalist must list Harding University as his or her first choice school with the National Merit Scholarship Corporation prior to their notification deadline.

To retain their scholarship, students must be full-time and maintain a 3.25 cumulative grade point average.

Trustee Scholar Awards: A select group of Trustee Scholar Awards (full undergraduate tuition for eight semesters) are awarded on a competitive basis to applicants who meet the qualification requirements and are selected. To be considered students must:

• Have a 31 or higher ACT composite score or 1390 or higher SAT total score;
• Have a 3.5 high school grade point average or higher (based on 4.0);
• Undergo a scholarship interview on campus;
• Be a full-time residence hall student;
• Possess leadership ability;
• Have good moral character; and
• Be a new Harding student with fewer than 14 transferable semester college hours, excluding dual enrollment, AP, CLEP and IB credit.

Students must already be admitted to Harding before interviewing. Winners are selected and notified by mid-April. If selected, student must accept the scholarship by May 1. To retain the scholarship, student must be a full-time residence hall student and maintain a 3.25 cumulative grade point average. If students are not selected, they receive automatically the academic scholarship commensurate with their ACT/SAT test scores and high school grade point average.

Departmental Scholarships: Several academic departments offer scholarships to their majors. Contact the appropriate department chair or dean for information.

Athletic Grants-in-Aid: Grants-in-aid are available in men’s and women’s athletics, according to rules of the NCAA. The maximum grant-in-aid covers tuition, fees, room, board, and a small allowance for books. Contact the head coach of each sport for information.

Endowed Scholarship Funds: Scholarship funds have been established by friends of the University in order to help students receive an education. When students apply for admission to Harding, they are considered for most scholarships for which funding is available. In many cases, these funds are used to pay for scholarships they already have been awarded. The primary endowed scholarship funds include the Harding Freshman Grant, the Harding President’s Endowed Scholarship program, and the Harding Stephens Scholarship program. Eligible students will be automatically awarded these funds.

To continue to receive all the scholarships described above, students must meet the academic standards of that scholarship and abide by the University’s code of conduct.

Scholarships may be subject to adjustment if a student drops below full-time status. Students who are considering dropping hours should contact Financial Aid Services for information regarding scholarship status.

Government Grants

Federal Pell Grants: All undergraduate students who are eligible for a Federal Pell Grant will automatically be awarded based on the FAFSA application. Award amounts vary, depending on the financial need of the student and are determined annually by the U.S. Congress.

Federal Supplemental Educational Opportunity Grants: FSEOG grants of up to $500 per year are available to students with exceptional need that are also eligible for the Federal Pell Grant.

Teacher Education Assistance for College and Higher Education (TEACH) Grant: TEACH grants are available to benefit current and prospective teachers that agree to teach in high-need fields in a low-income serving school. Award amount is up to $4,000 per academic year.

Additional information on these and other federal grants can be found at www.studentaid.ed.gov. Government grants are subject to change without notice. Residents of Arkansas should apply for state scholarships and grants at the Arkansas Department of Higher Education website.

Loans

Federal Direct Student Loan: The Federal Direct Student Loan program makes loans available to both undergraduate and graduate students. Loans are made through the U.S. Department of Education and are electronically processed by the Financial Aid Services Office.

Repayment does not begin until six months after students graduate or cease taking a half-time load of study. The government pays the interest while students are in school if they qualify for a subsidized loan based on need. Students who do not qualify on the basis of need are given unsubsidized loans and are responsible for the interest that accrues while in school.

Federal Nursing Student Loan: This program assists students who are pursuing degrees in nursing. Students must be accepted into the College of Nursing before applying for this loan.

Federal Parent (PLUS) Loan: Credit-worthy parents of dependent undergraduate students can obtain funds to pay remaining educational expenses through the parent PLUS program. Contact the Office of Financial Aid Services for additional information and application instructions.

Private Educational Loans: Borrowers with credit-worthy co-signers can obtain funds to pay remaining educational expenses through a variety of private educational loans. Additional information is available on the Financial Aid Services Web site.

Work

Work on campus is a source of financial aid to students. Working an average of 10 hours per week, students can earn more than $2,000 per year. Many, of course, work fewer hours and earn less.

There are two work programs: The Work-Study program, funded by the federal government; and the Harding work program. To qualify for the federal program, students must complete the Free Application for Federal Student Aid (FAFSA) and demonstrate need.

Students approved for work on campus are eligible for work but are not guaranteed an assignment. Neither can Harding promise students will be able to earn the entire award for which they are eligible. After arriving on campus, those who have been approved for and have not obtained work should contact the Career Center for assistance in locating an assignment. Students are paid minimum wage on the federal Work-Study program and are switched to the Harding program when Work-Study funds are expended. The Harding program rate of pay is 85 percent of minimum wage.

Veterans Programs

Veterans must be certified for eligibility by their local VA offices and must contact the appropriate representative in the Office of the Registrar. Veterans of the post-Vietnam period must have made contributions into the educational program (Montgomery and Post 9/11 GI Bill^®) in order to receive benefits. An educational program is also available to certain members of the Reserves and National Guard. Widows and children of eligible veterans should contact the Office of Veterans Affairs to apply for assistance through educational benefits.

Disabled veterans entering under Public Law 16 should apply to their state Veterans Administration headquarters for counseling and approval, and then contact the Office of the Registrar.

In compliance with the Veterans Administration’s minimum standards of progress, if a student receives VA assistance, is placed on academic probation, and does not remove this probation within one semester, he or she will be suspended from receiving VA education benefits for the following semester.

Students using the benefits from the Post 9/11 GI Bill^® Yellow Ribbon program (YR) in conjunction with any other Harding funded scholarship, will have their Harding scholarship(s) reduced by the same amount of YR funds applied to their account.

Vocational Rehabilitation

Students who have a documented disability may receive free vocational counseling and financial assistance toward the cost of their college education, provided their vocational objective is approved by a rehabilitation counselor. They should apply directly to the vocational rehabilitation counseling service of their state Department of Education.

Scholarship, Loan and Endowment Funds

Scholarships are provided by many generous donors. You may find a list of those scholarships, endowment and loan funds at  www.harding.edu/advancement/scholarships.html

Not all scholarships listed have funds available; this list is compiled to honor the donors who have supported the University. Students applying for admission are automatically considered for most scholarships for which funds are still available. Information about new scholarships, scholarships requiring a separate application, and other sources of scholarship funds is available on the Office of Financial Aid Services’ Web site, located at www.harding.edu/finaid, or by contacting the office at 501-279-4257.

For Graduate and Professional Programs

Tuition

 (Effective May 2018)

The tuition for Professional Counseling / Marriage and Family Therapy students is $523 per semester hour.

The tuition for Education master’s and specialist students is $470 per semester hour.

The tuition for Education doctoral students is $588 per semester hour.

The tuition for Family Nurse Practitioner students enrolled in 9 or more hours is $8,906 per semester. Tuition for fewer than 9 hours per semester is $989 per semester hour.

The tuition for Master of Business Administration students is $613 per semester hour.

The tuition for Master of Science in Information Systems students is $635 per semester hour.

The tuition for Pharmacy students enrolled in 12 or more hours is $18,265 per semester. Tuition for fewer than 12 hours per semester is $1,015 per semester hour. 

The tuition for Physical Therapy students is $13,593 per semester. Tuition for fewer than 12 hours per semester is $988 per semester hour.

The tuition for Physician Assistant students is $12,798 per semester. Tuition for repeated courses is $818 per semester hour.

The tuition for Speech-Language Pathology students enrolled in 8 or more hours is $9,982 per semester. Tuition for fewer than 8 hours is $831 per semester hour.

Special Fees

**Required for all graduate students taking classes at the Searcy campus.
^#Each Pharmacy student enrolled in 12 semester hours or more will pay a program fee of $1,000 per semester. Students taking fewer than 12 semester hours will pay $56.00 per semester hour.
⁺Each Professional Counseling/Marriage & Family Therapy student enrolled in 10 semester hours or more will pay a program fee of $100 per semester. Students taking fewer than 10 semester hours will pay $10.00 per semester hour.
^Each student enrolled in 10 hours or more will pay a special fee of $250 per semester as a Technology/Academic Enrichment Fee. Students taking fewer than 10 semester hours will pay $25.00 per semester hour.

Course Fees

Course fees are listed in the individual course description.

Financial Policies

Financial Responsibility: Harding’s financial well-being is dependent upon prompt payment of accounts. For this reason, Harding transcripts and diplomas will not be released if a student has failed to take care of any indebtedness to the University. Exception is made for government loans if they are not past due. Failure to meet financial obligations to the University may result in the delinquent account being placed with a collection agency. Students are responsible for all attorney fees and other collection costs incurred by the University in collecting accounts. Term charges are not reduced for late enrollment. There will be a $30 service charge on all dishonored paper checks and a $35 service charge on all dishonored electronic checks.

Payment of Accounts: Payments may be mailed in or made in person at the Business Office, located in the Administration Building. Payments may be in the form of cash, check, and money order in person or mail.  MasterCard, Discover, and American Express are accepted on-line via a third-party vendor (CASHNET).  Credit card fees do apply.

Payment options:

1. Pay the total balance by the due date on the first ebill statement of each term.
2. Enroll in Harding University Payment Plan. Enrollment fee is $25 per term (fall and spring only). Deadline to enroll is September 1 for fall and February 1 for spring. Pay the balance due in four monthly payments. A late fee of $35 will be assessed if a due date is not met. No interest will accrue on the Harding Payment Plan.
3. Accounts not paid in full or not enrolled in the payment plan will be subject to a per annum interest charge compounded monthly. Interest charges are not reduced for delays in receiving financial aid.
4. Any additional charges incurred during a term will be posted to the student’s account and should be paid by the due date on the statement. Examples include adding classes, traffic fines, library fines, adding declining balances, etc. Any credits posted to an account will appear on the monthly ebill statement. 

Students wishing to apply for financial aid must complete a Free Application for Federal Student Aid. Deadlines must be observed, and supporting documents may be required. Applications must be completed each year the student requests financial aid. Students must be sure to observe filing dates for the following school year. Students are notified periodically of documentation (if any) that is missing from their financial aid file.

If prior term charges have not been paid in full, enrollment for a future term will be delayed until payment is received or satisfactory payment arrangements have been approved.

Refunds: Students are granted admission with the understanding that they are to remain for a full term. A student who enrolls in a class but does not attend or stops attending and does not officially withdraw may not receive a refund. An official withdrawal from the University begins with the respective graduate or professional office. Please note that the Business Office manages the refund policy, not the individual programs. A prorated refund will be made according to an established refund schedule that takes into account the particular characteristics of each course (traditional, on-line, nontraditional term, etc.) Please contact the Business Office for more information.

If a student’s withdrawal is the result of misconduct, the institution is under no obligation to make any refunds.

Credit Balance Refunds: Students may request a refund through Pipeline. No refunds are issued during the first week following registration.

Financial Aid

Financial aid is available to most Harding graduate and professional students in the form of federal and private loans, graduate assistantships, veterans programs, and vocational rehabilitation programs.

These funds are administered wholly or in part by the Office of Financial Aid Services. Requests for information and assistance should be directed to Harding University, Box 12282, Searcy, AR 72149-5615; telephone 501-279-4081; or e-mail finaidgrad@harding.edu.

Requirements: Application for aid should be made as follows:

1. Apply or be admitted to Harding University. Application forms are available from each graduate school office.
2. Complete a Free Application for Federal Student Aid (FAFSA) at www.fafsa.gov.

In most cases, to qualify for federal aid, graduate students must be enrolled for at least 4 hours per term. Students seeking only teacher licensure or certification must be enrolled in at least 6 hours per term.

Doctoral Course Load policy: The Doctor of Education program is considered a part-time endeavor. A normal part-time student is one who is enrolled for five or more credits during the first six semesters and four hours in the sixth semester. The definition of normal course load will vary depending upon the semester requirements of the program. After the successful completion of the doctoral coursework (first six semesters), a candidate will take only dissertation hours through the semester of his/her anticipated graduation. A doctor of education student is considered to be carrying a normal part-time load during the dissertation phase if he/she is enrolled for two or more hours of credit in the fall/spring or one or more hours of credit in the summer. Although candidates may sign up for more than the minimum amounts, candidates must take a minimum of 10 dissertation hours to complete the program. For doctoral candidates to qualify for federal financial aid, they must be enrolled for at least five hours per term, except in the sixth semester when four hours is considered a normal load (i.e., 3 hour course + 1 hour dissertation = 4 hours) and in the dissertation only phase when a normal load is considered two hours in the fall/spring and one hour in the summer. After candidates begin registering for dissertation hours (EDFD 890: Dissertation), they must continue to register each semester until the study is completed. Extenuating circumstances for candidate maintenance status or time extension will be handled on a case-by-case basis.

Financial aid awards are based on current federal and institutional rules. Students have the right to accept or decline any aid offered.

Return of Title IV Funds (Federal Aid): Students who receive Title IV federal loans or other federal aid and withdraw, drop out or are dismissed are subject to a calculation to determine the amount of federal aid that was “earned” and “unearned” for the semester. The earned aid is calculated by comparing the number of days completed against the total days in the semester (including weekends). For example, if a student completed 29 days of a regular 116-day semester, the student will be determined to have earned 25% of total aid eligibility. Once the student has completed at least 60% of the semester, all aid is considered earned.

If total federal aid disbursements are less than the amount earned by the student, the student will be eligible for a post-withdrawal disbursement. Borrowers eligible for a post-withdrawal disbursement will be notified of their eligibility within 45 days after beginning the withdrawal process and must respond to the aid offer within 14 days.

If total federal aid disbursements are greater than the amount earned by the student, the student will owe a balance to the University and/or the federal government. Unearned funds must be returned within 30 days in the following order:

Federal Direct Unsubsidized Loan
Federal Direct Subsidized Loan
Graduate PLUS Loan
TEACH Grant

Please refer to the Registration: Policies and Procedures  section of this catalog for detailed withdrawal procedures. Students that stop attending classes without withdrawing, as well as students that receive all failing grades, will be considered unofficially withdrawn. The withdrawal date for all unofficial withdrawals will be determined by the academic dean according to the last academic activity completed.

Financial Aid Warning and Suspension: Students who receive Title IV financial aid must make satisfactory progress toward a degree by maintaining a minimum 3.0 grade point average or as stipulated by the academic program. In addition, students must successfully complete at least 2/3 of overall hours attempted cumulatively, and all students must complete all coursework within 150% of the published length of the program (even if the student changes majors, enrolls in remedial coursework, or did not receive federal aid for the entire period of enrollment). Students may repeat enrollment in any courses (either to pass a previously failed course or to simply earn a better grade) so long as all coursework is completed within the 150% maximum time-frame permitted. All hours of enrollment after the free drop/add period are considered attempted hours. Earned hours include all courses for which the student has not withdrawn.

Enrollment progress and grade point average monitoring occurs at the end of each fall, spring and summer terms.

Failure to maintain the required grade point average or successfully complete degree work as specified will result in financial aid warning status. Warning status is removed at the end of the semester the student has satisfied the grade point average and enrollment criteria. Failure to remove financial aid warning status at the end of said semester results in financial aid suspension.

Students on financial aid suspension are not eligible to receive Title IV financial aid. Financial aid suspension status caused by extenuating circumstances may be appealed in writing to the academic dean of the graduate school. Contact finaidgrad@harding.edu for additional information. Students approved by appeal will automatically be placed back in financial aid probation status for the first semester of renewed aid eligibility.

Ethics: Beyond academic requirements, in accepting financial aid the student incurs an ethical responsibility to observe the University Code of Conduct and fulfill his or her contractual financial obligations.

Scholarships

Teacher Education Assistance for College and Higher Education (TEACH) Grant Program: For students who intend to teach in a subject shortage area in a school that receives Title I funding. Please see www.studentaid.ed.gov for conditions and eligibility guidelines.

Individual graduate programs may have scholarship opportunities available. Please check with the academic dean for details. To continue to receive awarded scholarships, students must meet the academic standards of that scholarship and abide by the University’s code of conduct.

Graduate Assistantships: Assistantships may be available to full-time graduate students enrolled in specific programs. Contact the Provost’s Office at provost@harding.edu or Office of the Provost, Box 10773, Harding University, Searcy, AR 72149 for further information, or visit the Graduate and Professional Programs Website.

Total scholarship may not exceed total tuition. Students should contact Financial Aid Services for information regarding scholarship status if they are considering dropping hours.

Loans

The Office of Financial Aid Services is the primary source of information about loans. Contact the office at Harding University, Box 12282, Searcy, AR 72149-5615. The telephone number is (501) 279-4081. E-mail finaidgrad@harding.edu.

Federal Direct Student Loan: The Federal Direct student loan program makes loans available to graduate students. Loans are electronically processed by the Financial Aid Services Office.

Repayment begins six months after the student ceases taking a half-time load of study. Graduate students are only awarded unsubsidized loans, which accrue interest while in school.

Graduate/Professional PLUS Loan: Graduate and professional degree students are eligible to borrow under the PLUS loan program up to the cost of attendance less other financial assistance. Applicants must be credit-worthy or apply with a credit-worthy endorser. Applicants are required to have applied for their annual loan maximum eligibility under the Federal Unsubsidized Direct loan program before applying for a Graduate/Professional PLUS Loan. Contact the Office of Financial Aid Services for additional information. Applications can be completed at studentloans.gov.

Veterans Programs

Veterans must be certified for eligibility by their local VA offices and must contact the appropriate representative in the Office of the Registrar. Veterans of the post-Vietnam period must have made contributions into the educational program (Montgomery and New GI Bill) in order to receive benefits. An educational program is also available to certain members of the Reserves and National Guard. Widows and children of eligible veterans should contact the Office of Veterans Affairs to apply for assistance through educational benefits.

Disabled veterans entering under Public Law 16 should apply to their state Veterans Administration headquarters for counseling and approval, and then contact the Office of the Registrar.

In compliance with the Veterans Administration’s minimum standards of progress, if students receive VA assistance, are placed on academic probation, and do not remove this probation within one semester, they will be suspended from receiving VA education benefits for the following semester.

Vocational Rehabilitation

If students are permanently disabled, they may receive free vocational counseling and financial assistance toward the cost of their college education, provided their vocational objective is approved by a rehabilitation counselor. Students should apply directly to the vocational rehabilitation counseling service of their state Department of Education.