C A L I F O R N I A U N I V E R S I T Y O F P E N N S Y L V A N I A

A proud member of the Pennsylvania State System of Higher Education.

FINANCIAL AID 2014-2015

CALU

REASONABLE COST

California­University­provides­a­top-quality­

education­that­prepares­its­graduates­for­fulfilling

lives­and­careers.­Cal­U­accomplishes all­of­these­at­

a­very­reasonable­cost.

As­part­of­the­Pennsylvania­State­System­of­Higher­

Education,­Cal­U’s­tuition­is­subsidized­by­the­taxpayers­of

Pennsylvania.­For­every­dollar­an­in-state­student­pays,

the­state­treasury­makes­an­additional­contribution

toward­the­operation­of­the­University.­This­means

that­our­annual­in-state­undergraduate­tuition­would

actually­be­much­higher­at­a­private­institution.

All­of­which­goes­to­demonstrate­that­an­education­

at­California­University­of­Pennsylvania­is­an­

outstanding­value.

TABLE OF CONTENTS

Eligibility & Application Process 1

FAFSA 2

Financial Aid Timeline 2

Federal & State Aid Programs 3

University Assistance 4

University Scholarships 5

Stafford Loans 6

Financial Aid Web Sites 7

Frequently Asked Questions 8

Glossary 9

Cal­U­offers­a­top-quality­education­at­an­affordable­price.­Your­education­is­the­most­important­investment­you­will­ever­make.­It­really­is­an­investment.­You­invest­time­and­money­now­so­that­you­will­be­prepared­for­a­careerafter­graduation.­

The­reasonable­cost­does­not­affect­the­quality­of­instruction­or­facilities.­Look­around­campus;­talkto­professors.­There­is­national­and­international­research­beingperformed­here.­In­addition,­many­undergraduates­attend­national­conferences­and­symposiums­to­present­their­original­works.

All­residence­halls­have­multi-station­computer­labs.­Rooms­arewired­for­the­campus­intranet­and­the­Internet­—­just­bring­yourcomputer­and­plug­in,­or­use­our­campus-wide­Wi-Fi.­The­EberlyScience­&­Technology­Center­houses­multimedia­classrooms,­a­weather­center­with­access­to­satellite­information,­a­crime-mapping­and­geographic­information­computing­systems­center,­a­tourism­studies­center,­computer­and­electrical­engineering­technology­laboratories,­a­dedicated­student­computing­lab,­computer-aided­design/prototypingand­automated­manufacturing­facilities,­a­computer­networking­facility­and­many­other­cutting-edge­features.

This­same­emphasis­on­great­facilities­can­be­found­in­the­Convocation­Center,­the­spacious­home­of­our­men’s­and­women’sVulcan­basketball­and­women’s­volleyball­teams.­Visit­HerronRecreation­and­Fitness­Center,­where­you’ll­find­free­weights,­cardiomachines,­a­pool,­racquetball­courts­and­much­more.­These­andmany­other­buildings­are­equipped­for­state-of-the-art­teaching,learning­and­living.

As you begin college, make the Office of Career Services one of yourfirst stops.Career­Services­offers­vast­resources­for­everything­fromcareer­exploration­to­mock­interviews.­If­you­are­uncertain­whatfield­to­pursue,­utilize­one­of­the­computerized­surveys­that­makerecommendations­based­on­your­input­and­preferences.­Plan­ondoing­some­job­shadowing­to­see­what­career­fields­are­really­like.

Our­students­have­obtained­internships­at­prominent­establishments­in­Washington,­D.C.,­New­York­City,­Pittsburgh,Philadelphia,­Baltimore,­Chicago­and­throughout­the­Ohio-Pennsylvania-West­Virginia­area.­You­can,­too!

As­you­become­an­upperclassman,­be­certain­to­visit­Career­Services­to­schedule­interviews­with­prospective­employers.­Many­students­have­found­that­their­internship­experiences­orsummer­jobs­lead­to­satisfying,­full-time­positions.

The­information­on­the­following­pages­addresses­all­aspects­of­financial­aid.­By­applying­for­financial­aid,­you­can­make­an­already­great­value­even­more­affordable.

How do you measure the valueof a CAL U education? Is it professional achievement? salary? advanced study? personal satisfaction?Perhaps­a­combination­of­these­indicators­or­something­else­altogether.You­may­even­question­whether you should attend college. >The­answer­is­a­resoundingyes!

{ }

Studies show individuals with a bachelor’s

degree average

62%higher annual earningsthan workers with onlya high school diploma.

­­The­definition­of­the­word value includes:“To­regard­highly;­prize;­esteem,”also,“a­fair­price­for­goods­and­services.”

As you consider your choice of college, ask yourself if it’s a good

value. Is an education from this institution a highly regarded prize?

Is it esteemed by those in the community? After four years of attending

this school, will you feel that you paid a fair price for the education

you received? According to our alumni, “absolutely!”

Why is it a good idea to graduate in four years?

There are lots of reasons.Some­students­want­to­enter­the­full-time­workforce­as­soonas­possible,­while­others­plan­tocontinue­their­education­at­thegraduate­level­and­wish­to­complete­their­undergraduatestudies­quickly.­And,­if­you­are

like­lots­of­others,­you­may­want­to­save money.­­­

Our­Four-Year­Graduation­Plan­offers­incoming­freshmenguaranteed savings in­time­and­money­as­they­work­toward­the­completion­of­their­baccalaureate­degree.­The­Cal­U­Four-Year­Graduation­Plan­offers­students­ahelpful­combination­of­advising,­course­scheduling­andindividual­attention,­ensuring­efficient­and­steadyprogress­toward­graduation­in­four­years.

How does the program work?The­agreement­holds­both­the­student­and­the­Universityresponsible­for­clearly­defined­actions.­If­the­student­follows­the­provisions­of­the­Four-Year­Graduation­Plan,he/she­will­earn­a­Cal­U­baccalaureate­degree­in­four­years.­The­program­is­for­students­who­begin­as­first-time­freshmen,­stick­to­one­major,­take­a­full­course­load­andmake­appropriate­academic­progress.­Students­must­be­enrolled­in­a­program­in­which­a­bachelor's­degree­can­beearned.­In­other­words,­students­who­enter­the­university­as"undecided"­are­not­eligible.

Students­who­elect­to­participate­will­work­closely with­the­Office­of­Family­and­Parent­Engagement,­Scheduling­Center­and­their­academic­advisers­to­ensure­that­degreerequirements­are­met­and­appropriate­course­sequencing­is­followed.­Students­who­are­interested­in­the­plan­(andwhose­intended­major­qualifies)­may­sign­up­for­the­Four-Year­Graduation­Plan­Agreement­from­the­date­theyare­first­accepted­by­the­University­through­the­first­twoweeks­of­the­first­(fall)­semester­of­enrollment.

Every­semester,­the­student­will­meet­with­advising­andscheduling­services­to­monitor­progress,­to­ensure­thatrequirements­are­being­met,­and­to­keep­track­of­thenumber­of­semester­hours­that­have­been­earned­towardthe­degree.­The­Four-Year­Graduation­Plan­will­serve­as­amap­to­a­four-year­graduation­goal.

CALU4YOUT H E F O U R - Y E A RG R A D U A T I O N

P L A N

CAL U {1

Application ProcessThe following steps are involved in the financial aid and needs analysis process:

STEP 1: Submit­the­Free­Application forFederal­Student­Aid­(FAFSA)­via­the­Webat­www.fafsa.gov as­soon­as­possible­afterJan.­1.­Students­must­reapply­each­year.

STEP 2:Once­students­submit­the­application,­they­will­be­taken­to­a­confirmation­page­that­shows­their­confirmation­number­and­estimated­Expected­Family­Contribution­(EFC).­Students­who­provide­a­valid­e-mail­address­will­receive­an­e-mail­with­a­link­to­their­Student­Aid­Report­(SAR)­information­within­five­days­after­filing­the­FAFSA.

STEP 3: The­Financial­Aid­Office­(FAO)­will­receive­the­information­contained­on­your­SAR­electronically to­determine­your­eligibility­for­financial­aid.The­FAO­will­then­mail­you­a­financial­aidaward­letter.­The­award­letter­will­indicateyour­eligibility­for­one­or­more­financial­aid­programs.­Typically,­the­awardingprocess­begins­in­late­March­of­each­year.

REAPPLY EACH YEAR: Financial­aid­is­not­renewed­automatically.­Federalrequirements­and/or­your­family’s­financialsituation­may­change.­Therefore,­you­mustreapply­each­year.

Financial Aid EligibilityIn­order­to­qualify­for­assistance­from­federal,­state,­and­University­financial­aid­programs,­a­student­must­complete­theFree­Application­for­Federal­Student­Aid­(FAFSA)­and­submit­it­to­the­federal­processor.­When­you­apply­for­federal­student­aid,the­information­reported­on­the­FAFSA­is­used­in­a­formula­approved­by­Congress.­This­federal­formula­determines­a­student’s­Expected­Family­Contribution­(EFC)—the­amount­youand­your­family­are­expected­to­contribute­toward­your­education.

The basic elements included in determining the EFC are:• Contribution­from­the­parents’­income• Contribution­from­the­student’s­income• Contribution­from­the­assets­of­the­parents• Contribution­from­the­assets­of­the­student

In­addition­to­these­basic­elements,­household­size,­number­of­students­in­college­and­the­age­of­the­oldest­parent­are­also­reflected­in­the­calculation­of­the­student’s­EFC.­If­your­EFC­is­below­a­certain­amount,­you­will­qualify­for­a­federal­Pell­Grant.

To­determine­eligibility­for­other­federal­aid,­a­student’s­EFC­is­used­in­the­following­equation:­

Cost of AttendAnCeLess: expeCted fAmILy ContrIbutIon

= fInAnCIAL need

The­EFC­is­then­deducted­from­the­total­cost­of­attendance.­The­cost­of­attendance­includes­both­direct­costs­(charged­bythe­University)­and­indirect­costs­(non-University­expenses).­The­difference­between­the­total­cost­and­how­much­the­student­and­family­are­expected­to­contribute­is­the­student’s­eligibility­for­need-based­financial­aid.­Most­federal­aid­isawarded­on­the­basis­of­financial­need.­However,­regardless­of­your­financial­need,­all­students­will­qualify­for­some­type­of­federal­financial­aid.

Cal U has been the perfect choice for more than 55,000 alumni. Make it your choice, too!

2} CAL U

In­order­to­qualify­for­assistance­from­federal,­state­and­University­financial­aid­programs­at­California­University­ofPennsylvania,­a­student­must­complete­the­Free­Applicationfor­Federal­Student­Aid­(FAFSA)­each­year.­The­student­andparent­(if­applicable)­must­complete­the­FAFSA­form­at­theU.S.­Department­of­Education­website­called­“FAFSA­on­theWeb”­(www.fafsa.gov).­The­FAFSA­form­should­be­completedas­soon­as­possible­after­Jan.­1,­but­before­April­1,­in­order­toqualify­for­the­maximum­financial­aid­assistance.­­

After­completing­the­FAFSA­via­the­Web,­students­and/or­parents­(of­dependent­students­only)­must­sign­the­FAFSA­electronically­with­a­Personal­Identification­Number­(PIN)­provided­by­the­U.S.­Department­of­Education.

The­PIN­can­be­retrieved­in­real­time­or­students/parents­mayhave­it­sent­by­e-mail­to­their­home.

Once­you­submit­your­application,­you’ll­be­taken­to­a­confirmation­page­that­shows­your­confirmation­number­andestimated­Expected­Family­Contribution­(EFC).­If­you­provide­a­valid­e-mail­address,­you­will­receive­an­e-mail­with­a­link­toyour­Student­Aid­Report­(SAR)­information­within­five­daysafter­filing­the­FAFSA.­If­you­do­not­provide­a­valid­e-mail­address,­you­will­receive­a­paper­Student­Aid­Report­(SAR)­orSAR­Acknowledgment­in­the­mail­about­two­weeks­after­submitting­your­online­FAFSA.­­

Please­take­the­time­to­read­the­instructions­before­completing­your­FAFSA.­Most­questions­can­be­answeredthrough­the­instruction­information­contained­on­the­FAFSAwebsite.­In­addition,­our­Financial­Aid­Office­Web­page­contains­many­helpful­topics­and­links­that­may­provide­youwith­additional­assistance­in­completing­the­FAFSA.­A­link­toour­Web­page­can­be­found­at­www.calu.edu,­or­you­can­contact­our­office­by­phone­at­724-938-4415.­

Please Note: California University does not have an institutional financial aid application.

FAFSA on the Web Benefitsn Online­FAFSA­is­free.n The­FAFSA­on­the­Web­site­provides­students/parents­with­numerous­electronic­options,­such­as­checking­on­the­statusof­your­FAFSA­form,­requesting­a­duplicate­set­of­SARs,­tipsand­shortcuts,­and­requesting­a­PIN.­

n Students­can­save­their­application­information­for­up­to­45days,­so­that­it­can­be­completed­and­transmitted­later.

n Online­FAFSA­does­not­require­software­to­be­installed,­so­ittakes­less­time­before­students­can­use­the­application.

n Students­can­access­the­Online­FAFSA­Web­page­from­anywhere,­including­school­or­home,­making­it­moreconvenient­to­complete­the­application.

n Online­FAFSA­automatically­edits­applicant­answers­beforetransmitting,­resulting­in­better­information­and­fewer­applications­rejected­by­the­Central­Processing­System­(CPS).

n Online­FAFSA­uses­skip­logic,­so­it­will­only­ask­studentsthose­questions­that­they­need­to­answer.

n Online­FAFSA­can­support­an­unlimited­number­of­users,­allowing­thousands­of­students­to­apply­at­once.

WorksheetBefore­you­complete­the­electronic­version­of­the­FAFSA,­it­is­recommended­that­you­complete­the­FAFSA on the Web Worksheet.­This­helpful­worksheet­ensures­accuracy­when­completing­the­FAFSA­via­the­Web.­As­with­FAFSA­on­the­Web,the­worksheet­also­has­helpful­instructions­throughout­theform.­The­FAFSA­on­the­Web­Worksheet­can­be­downloaded­directly­from­the­FAFSA­website­at­www.fafsa.gov.

Financial Aid Application Process

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Gather financial aid documentationnecessary for completion of the fAfsA

obtain a free Application for federal student Aid (fAfsA)

transmit electronic fAfsA to the federal processor.The earlier the better! (Keep a copy for your records!)

review your student Aid report (sAr)for errors and make any necessary corrections

provide the financial Aid office (fAo) with all requested information

MARCH 15 - deadline for Institutional endowed scholarship consideration

APRIL 1 - fAfsA priority deadline for consideration for federal Campus-based programs (fWs, fseoG, & perkins)

financial aid award letters mailed to students

MAY 1 - fAfsA deadline for pHeAA state Grant (submission encouragedby April 1 to allow for processing)

Complete federal direct stafford Loan master promissory noteand loan entrance counseling at studentLoans.gov.

receive results of pHeAA Grant eligibility

receive billing statement from bursar’s office

due date for paying fall semester bill

Financial Aid Timeline . . . What to Do and When

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JAN FEB MAR APR MAY JUNE JULY AUGITEMS TO COMPLETE

CAL U {3

Federal GrantsFederal Pell Grants are­awarded­to­undergraduate­students­to­assist­with­their­educational­costs.­The­Federal­Pell­Grant­Programwill­notify­applicants­of­their­eligibility­through­a­Student­Aid­Report­(SAR)­mailed­to­their­permanent­address.­The­Pell­Grantaward­ranges­from­$602­to­$5,730.

Federal Supplemental Educational Opportunity Grants (FSEOG)are­generally­targeted­to­Pell-eligible­recipients­who­demonstrate­exceptional­need.­

The­FSEOG­award­ranges­from­$500­to­$1,500­.

Student EmploymentFederal Work-Study Employment provides­part-time­employmentto­undergraduate­students.­Students­are­paid­$7.25­per­hour­andtypically­work­eight­hours­per­week.

LoansFederal Direct Stafford Loan program provides­low-interest­loansto­students­regardless­of­income­or­financial­need.­The­maximumStafford­Loan­for­freshmen­is­$5,500.­(See­“Stafford­Loan­Borrowing­Chart”­on­page­8­for­other­loan­limits.)

Federal Perkins Loan program provides­low-interest­loans­to­eligible­undergraduate­students­who­demonstrate­exceptionalneed.­The­Perkins­Loan­award­ranges­from­$1,500­to­$3,000.­

Federal Direct Parent Loan for Undergraduate Students (PLUS) program is­available­to­parents­who­possess­good­credit­and­wishto­borrow­to­provide­for­their­son’s­or­daughter’s­education.­Theannual­loan­limit­is­the­cost­of­education­less­other­financial­aidreceived­by­the­student.

Eligibility Criteria for State Aid Programsn ­­­The­student­must­be­a­Pennsylvania­residentn ­­­The­student­must­complete­the­Free­Application­for­Federal­­­­­­­Student­Aid­(FAFSA)­by­May­1­each­yearn ­­­The­student­must­be­enrolled­on­at­least­a­half-time­basis­in­a­­­­­­­PHEAA-approved­undergraduate­program­of­studyn ­­­The­student­must­be­a­high­school­graduate­or­the­­­­­­recipient of­a­GEDn ­­­The­student­must­demonstrate­academic­progress­for­­­­­­continued­aid

State Grant ProgramsPHEAA Grants provide­need-based­state­grant­assistance­rangingfrom­$500­to­$3,000­per­year.­The­PHEAA­grant­program­is­fundedby­the­Commonwealth­of­Pennsylvania­and­is­administered­bythe­Pennsylvania­Higher­Education­Assistance­Agency­(PHEAA).­Students­receive­up­to­eight­full-time­semesters­of­PHEAA­Grant­assistance­or­sixteen­semesters­of­part-time­assistance.

Other State GrantsSeveral­other­states­(including­Ohio,­Maryland,­West­Virginia,­Massachusetts,­Vermont,­Connecticut,­Rhode­Island,­Delaware­andMaine),­have­grants­that­can­be­transferred­to­schools­outside­thestate.­Interested­students­may­obtain­information­concerning­theseprograms­from­their­high­school­guidance­counselors­or­from­theirappropriate­state­higher­education­agency.

FAFSA Filing Tips

Make­sure­your­application­contains­the­correct­SocialSecurity­number.

Be­sure­to­include­“California­University­of­Pennsylvania”­and­our­Title­IV­institutional­code­of­­“003316”­in­Section­Five­(colleges­to­receive­information)­of­the­FAFSA­on­the­Web­Worksheet.When­reporting­income,­parents­and­students­should­take­the­adjusted­gross­income­from­their­last­federal­tax­returns.

Use­the­IRS­Data­Retrieval­tool­while­filing­your­FAFSAto­help­reduce­errors.

When­reporting­taxes­paid,­parents­and­studentsshould­list­the­actual­taxes­paid­as­shown­on­their­last­federal­tax­returns­(not­from­their­W-2s).

Parents­and­students­should­report­all­sources­of­untaxed­income.­For­example,­you­should­include­Social­Security,­Aid­to­Dependent­Children­(ADC),Workers’­Compensation,­etc.

Divorced­parents­sometimes­include­their­ex-spouse’sincome.­They­should­list­only­their­income­and­that­oftheir­current­spouse.

Students­must­check­“Yes”­to­the­student­employment­question­in­order­to­be­considered­foreither­federal­or­non-federal­work-study­employment.

Federal and State Aid Programs

4} CAL U

Student Employment Institutional­employment­(non-FWS)­provides­employment­opportunities­to­students­regardless­of­financial­need.­Work­assignments­and­work­schedules­are­the­same­as­those­for­theFederal­Work-Study­Program.­Interested­students­must­file­the­FAFSA­form­to­qualify.­Additional­information­regardingthis­program­can­be­obtained­by­contacting­the­Financial­Aid­Office.

Athletic Grant-in-Aid California­University­of­Pennsylvania­offers­athletic­grant-in-aid­assistance­to­outstanding­student­athletes­in­selected­intercollegiate­sports­programs­for­both­women­and­men.

Scholarships California­University­of­Pennsylvania­offers­a­number­of­merit-­and­need-based­scholarships­to­new­students.­All­students­who­complete­the­California­University­AdmissionsApplication,­are­accepted­to­the­University­and­meet­the­various­scholarship­criteria­are­automatically­considered­for­all­new­student­scholarships.­However,­since­most­incoming­freshman­scholarships­are­awarded­by­April­1,­it­is­strongly­recommended­that­interested­students­have­applied­and­been­accepted­by­March­15.­

In­addition,­some­of­our­scholarships­are­need-based;­therefore­it­is­strongly­recommended­that­new­students­wishing­to­be­considered­for­scholarship­possibilities­complete­the­Free­Application­for­Federal­Student­Aid­(FAFSA)by­March­15.­Finally,­a­limited­number­of­our­scholarships­mayrequire­the­applicant­to­complete­additional­information­forfinal­determination­of­the­award.

n The­scholarships­offered­range­from$100­to­full­tuition­forthe­academic­year.

n Many­of­the­scholarships­are­renewable­awards­based­onthe­student­maintaining­satisfactory­academic­standardsand­demonstrating­financial­need,­if­applicable.

n The­Faculty­Scholarship­is­the­most­prestigious­merit-basedscholarship­award­offered­to­new­students.­The­UniversityScholarship­Committee­makes­its­selection­for­this­awardfrom­the­pool­of­new­freshmen­who­have­a­combinedscore­of­at­least­1200­on­the­SAT­and­are­full-time­degree-seeking­students­at­California­University.­This­award­is­afull-tuition­(in-state)­scholarship.

Private Assistance

Scholarships/Grants There­are­also­many­other­agencies­and­organizations­that­provide­financial­assistance.­These­include­civic­clubs,­fraternalorganizations,­religious­groups,­employers,­organizations,unions,­etc.­Guidance­counselors,­local­civic­leaders­or­local­librarians­are­of­great­help­in­researching­such­avenues­of­financial­assistance.­

Other Financing Options

Payment PlansCalifornia­University­offers­payment­plans,­which­enable­you­to­pay­college­costs­in­specified­increments­on­a­monthlybasis.­Many­families­find­monthly­payment­plans­make­payingfor­college­more­manageable.­Contact­the­Bursar’s­Office­at­724-938-4431­for­more­information.

Private Education Funding (Non-federal Loan Programs) In­addition­to­the­federal­loan­programs,­there­are­privatesources­of­educational­loans.­These­loans­are­sponsored­bybanks,­state­agencies­or­private­grantors­and­are­available­tocredit-worthy­students.­Since­these­loans­are­not­subsidizedby­the­federal­government,­they­are­usually­higher-cost­loans(higher­interest­rate)­to­the­borrower­and­should­only­be­considered­as­a­last­resort­after­all­other­financial­aid­optionshave­been­explored.­Most­alternative­loans­require­a­co-signer;­however,­repayment­of­principal­and­interest­maybe­deferred­in­most­cases.­You­can­find­our­private­alternativelender­list­by­selecting­"Loans"­and­then­"Private­AlternativeLoan"­at­our­Financial­Aid­Office­Web­page­at­www.calu.edu.

University Assistance

CAL U {5

University Scholarships

–the Honorable fred & Katy Adams scholars fund

–African American Alumni society scholarship

–American federation of state County and municipal employees (AfsCme) Local2322/student Association, Inc. scholarship

–Alumni scholarship fund

–david L. and nancy m. sivek Amati early Childhood/elementary educationscholarship

–Angelo sr. and Adele tavani Armenti memorial scholarship

–Athletic training scholarship

–Colonel Arthur L. bakewell Veterans scholarship fund

–balsano family scholarship

–barcelona scholarship fund

–bruce d. ’83 and mary Jo ’84 barnhartscholarship fund

–Lillian majoros bassi ’49 education scholarship fund

–Jeff and beverly berger endowed scholarship

–dr. Gabriel p. betz earth space science/Geography scholarship

–dr. John bitonti, Jr. memorial scholarship Award

–marcy rye blout and patrick miller scholarship In Communication studies

–board of Governor’s scholarship

–bill and Candice booker student Leaderscholarship

–susan C. brooks scholarship in education

–Cal Gals scholarship fund

–California dreamin’ scholarship

–California ptA scholarship

–California university of pennsylvania foundation and Alumni scholarship

–Jennie Adams Carter scholarship

–Charleroi American Legion post 22 scholarship

–the Leonard m. & donna fisher Colelli scholarship

–the Columbia Gas of pennsylvania student scholarship fund

–thomas L. and nancy L. Crumrine familyscholarship

–the James t. -martha e. davis scholarship

–elwin ’72 & Irene ’71 “threshold” dickersonscholarship

–richard dishong memorial scholarship

–berlie e. dishong, sr. Graduate scholarship

–Joseph dochinez scholarship

–Catherine dunn memorial scholarship fund

–Kody dwire memorial scholarship

–eberly family scholarship

–dennis L. eckels. d.o. ’71 scholarship

–emelson theater and dance scholarship

–emeriti faculty Association Academic scholarship

–faculty scholarship endowment fund

–Clemens and Anna mologne fischer scholarship

–William r. flinn II scholarship

–mildred swift funk scholarship

–the Arthur & millicent Gabriel Computer science/Information technology scholarship

–richard C. and peggy Jo Grace scholarship

–debra f. Hardy scholars fund

–norman and ellen Hasbrouck Honors scholarship

–Joan L. Helsel univeristy band endowedscholarship fund

–dr. Jay d. Helsel ’59 Applied engineeringand technology edowed scholarship fund

–Joy m. Helsel fraternity/sorority scholarship

–J. Helsel family scholarship

–Jesse Hereda Honors scholarship

–francis J. Herron endowed scholarship fund

–eleanore C. Hibbs ’38 scholarship

–Highmark Health sciences scholarship

–the oren Holman scholarship endowment

–professor merrell e. Holman ’42 Honorsscholarship

–Coach Joe Howard memorial scholarship

–Huth technologies scholarship for men’srugby Athletics

–ronald “bunny” Johns memorial scholarship

–Jeff and Gerri Jones family scholarship

–mike Kara scholarship

–michael Keller memorial scholarshipfor non-traditional students

–Gary and midge Kennedy scholarship

–stan and michelle Komacek scholarship

–Andrew Kovach scholarship fund

–mitchell and Cheryl Kozikowski scholarship fund

–the dr. Gaston Lebois Graduate scholarship fund

–david and Wendy Lee endowed scholarship

–mark C. Lewis memorial scholarship

–Lippencott family football scholarship

–mary Lonigro scholarship fund

–Larry maggi endowed scholarship fund

–dick majernik/Lloyd Gilmore basketball Awardscholarship for Academic Achievement

–Karnash / mandell scholarship fund

–terry martina university Choir scholarship

–Anthony p. mcgrew endowed scholarship

–phyllis mcmanus, Class of 1970 scholarship

–michelle mcmillen memorial scholarship

–dr. Lawrence C. miller technology educationscholarship

–mon Valley nAACp scholarship

–monongahela Valley Hospital registered nurse scholarship

–Lawrence L. moses scholarship in metorology

–elmo natali endowment fund

–michael J. ’68 and nancy K. napolitanoscholarship

–sandra L. nicklas scholarship

–mary noss freshman scholarship

–pennsylvania America Water Company scholarship in memory of Gerald C. smith

–perry family scholarship fund

–pittsburgh penguins scholarship

–presidential scholarship fund

–dave W. robey and family football scholarship

–dr. Lawrence d. and mrs. Joanne K. romboski scholarship

–rutledge family scholarships

–Alex s. and elizabeth sabo memorial scholarship

–Harriet saludis memorial scholarship

–phil schaltenbrand/Westerwaldpottery scholarship

–dr. michael f. and mrs. Clara H. serenescholarship

–sigma tau Gamma endowed scholarship

–bernard J. and marguerite s. singer technology education scholarship

–the Charles W. slick football scholarship

–G. ralph smith II General scholarship fund

–dr. saundra L. stout ’72 endowed fund

–steven and Lynne stout Legacy scholarship

–Joseph “moe” and rita susick belle VernonArea scholarship

–Joseph p. smyth ’38 memorial scholarship fund

–skip tencer memorial scholarship

–theta xi fraternity-beta sigma Alumni Association scholarship

–donald and Ardith thompson scholarship

–steve and Helen tselepis football scholarship

–thomas J. usiadek ’66 scholarship

–robert A. Vargo earth sciences scholarship fund

–Verland scholarship

–minor/Walton endowed scholarship fund

–Washington financial bank endowed scholarship

–John p. and Carole Watkins Women’s tennisscholarship

–richard H. and barbara moluski Webb scholarship fund

–World Kitchen, LLC

–ralph W. young family foundation scholarship

–Jay and Cissy Zeffiro scholarship fund

–Zeta epsilon of delta Zeta scholarship fund

–Janis m. Zivic ’64 endowed scholarship

–daryl J. Zupan business Administrationscholarship

Scholarship Directory This­is­a­sampling­of­the­scholarships­available­to­Cal­U­students.­Because­of­our­ever-expanding­scholarship­opportunities­for­new­students,­please­visit­our­Financial­Aid­Office­Web­page­for­the­most­current­directory­of­California­University­scholarships.­This­scholarship­directory­can­be­found­by­selecting­“Scholarships”­from­our­main­menu­at­the­Financial­Aid­Office­Web­page­located­on­our­website,­www.calu.edu.

6} CAL U

Step 1: File­your­2014-2015­FAFSA­on­the­Web­at­www.fafsa.gov.The­Financial­Aid­Office­will­automatically­create­a­Federal­DirectStafford­Loan­record­for­you­once­we­receive­your­verified­FAFSA­results.

Step 2: The­Financial­Aid­Office­will­calculate­your­maximumStafford­Loan­eligibility,­determine­the­type­of­Stafford­Loan­(subsidized­or­unsubsidized)­and­place­this­amount­in­your­financial­aid­award.­We­will­calculate­your­eligibility­based­on­your­financial­need­and­grade­level.

Step 3: The­Financial­Aid­Office­will­"originate"­your­Federal­DirectStafford­Loan­information­with­the­U.S.­Department­of­Education.Once­your­loan­application­has­been­approved­you­may­sign­yourElectronic­Master­Promissory­Note­(eMPN).

Please Note: The eMPN only needs to be completed once every 10 years!

Step 4: Please­sign­your­Electronic­Master­Promissory­Note(eMPN)­by­logging­onto­StudentLoans.gov and­follow­the­stepsoutlined.­You­will­need­your­Federal­Student­Aid­PIN­to­completethis­process.­You­will­also­need­the­names,­addresses­and­telephone­numbers­of­two­references­with­different­U.S.­addresses­who­have­known­you­for­at­least­three­years.­The­first­reference­is­typically­a­parent­or­guardian.

Step 5: Complete­your­online­Direct­Loan­Entrance­Counseling­session­by­visiting­the­Department­of­Education­Loan­Counselingsite­at­StudentLoans.gov and­selecting­"Entrance­and­Exit­Counseling"­on­the­top­of­the­page.

Dependent Students Additional(Parents approved Unsubsidized Total Stafford to borrow a Plus Loan) Base Amount Stafford Loan Loan Amount

Freshman $3,500 $2,000 $5,500

Sophomore $4,500 $2,000 $6,500

Junior or Senior $5,500 $2,000 $7,500 Dependent Students(Parents denied PLUS Loan)/Independent Students

Freshman $3,500 $6,000 $9,500

Sophomore $4,500 $6,000 $10,500

Junior or Senior $5,500 $7,000 $12,500 Graduate Students N/A N/A *$20,500

Stafford Loan Borrowing Chart

Please­Note:­­This­chart­represents­the­maximum­loan­amounts­a­student­can­borrow­each­year.­However,­thisamount­could­be­less­depending­on­a­student’s­annual­and­aggregate­loan­limit,­the­total­amount­of­financial­aidreceived­by­the­student,­and­the­student’s­cost­of­attendance­budget.­­

*Graduate­students­are­eligible­only­for­Unsubsidized­Stafford­Loans.

Federal Direct Stafford Loan Application Process

Electronic Master Promissory Note (eMPN) and Entrance Counseling Procedures For 2014-2015 at California University of Pennsylvania

Please follow these important steps to apply for a Federal Direct Stafford Loan.

CAL U {7

Scholarship Search FilesFastWEB: This­scholarship­resource­locator­was­created­in1995.­You­will­be­given­an­online­questionnaire­and­personalmailbox­ID.­Scholarships­will­be­posted­to­you­and­updatedperiodically.­www.fastweb.com

Mach25:Mach25­is­a­simple­and­fast­scholarship­resource­locator­on­CollegeNet.com.­Students­develop­a­profile­ofthemselves­to­locate­scholarships­that­best­match­their­qualifications.­www.mach25.com

Federal Financial Aid The Student Guide: This­site­provides­general­information­regarding­federal­financial­aid­programs,­eligibility,­applicationprocess,­deadlines,­special­circumstances­and­a­glossary.­This­site­is­provided­by­the­Department­of­Education.www.studentaid.ed.gov

Financial Institutions PHEAA: This­site,­developed­by­the­Pennsylvania­Higher­Education­Assistance­Agency,­provides­various­types­of­financial­aid­information­and­resources­for­parents­and­students.­Students­may­access­the­status­of­their­PHEAA­State­grant­at­this­site:­www.pheaa.org

FAFSA4CASTER: This­online­tool­developed­by­the­federal­government­helps­families­calculate­federal­financial­aid­eligibility.­www.fafsa4caster.ed.gov

Financial Aid Resources College Board Online: This­site­attempts­to­orient­parents­and­students­to­the­process­of­applying­to­college­and­the­financial­aid­process.­www.collegeboard.org

Department of Veteran Affairs: The­Veterans­Online­Applications­(VONAPP)­website­is­an­official­U.S.­Departmentof­Veterans­Affairs­(VA)­website­that­enables­veterans­to­apply­for­benefits­using­the­Internet.­U.S.­military­veterans­and­some­service­members­within­six­months­of­separation­or­retirement­can­apply­for­compensation,­pension­and­vocational­rehabilitation­benefits.­U.S.­military­veterans,­service­members­with­two­years­of­service,­and­members­of­the­Selected­Reserve­can­apply­for­education­benefits­atwww.vabenefits.vba.va.gov.

EducationPlanner: This­website,­developed­by­American­Educational­Services­(AES),­provides­one-stop­career­and­college­planning­assistance­to­students.­Forbes Magazinerated­it­as­one­of­the­best­websites­in­its­field.­www.educationplanner.com

Financial Aid Information Page: Provides­an­alphabetical­subject­index­to­the­resources­listed­in­the­Financial­Aid­Information­page.­Founded­in­1994­and­published­by­MarkKantrowitz.­www.finaid.org

Mapping Your Future: This­site­provides­students­and­familieswith­information­about­college,­career­and­financial­aidchoices­through­a­state-of-the-art­public­service­website.www.mappingyourfuture.org

Office of Vocational Rehabilitation (OVR): This­website­provides­information­regarding­services­and­educational­training­opportunities­available­to­assist­individuals­with­disabilities­in­obtaining­and­retaining­employment­within­the­Commonwealth­of­Pennsylvania.­www.portal.state.pa.us/portal/server.pt/community/vocational_rehabilitation/10356

PASFAA: This­site­was­developed­by­the­Pennsylvania­Association­of­Student­Financial­Aid­Administrators­to­providehelpful­financial­aid­resource­information­to­parents­and­students.­Visitors­to­this­site­will­find­information­on­collegeplanning­and­preparing­your­child­for­college,­a­listing­ofPennsylvania­universities­and­colleges,­and­the­NCAA­Guidefor­College­Bound­Athletes.­www.pasfaa.org

Financial Aid Web Sites

8} CAL U

Important Phone Numbers

California University of Pennsylvania

Academic Records Office 724-938-4434

Admissions 724-938-4404

Bursar 724-938-4431

Cal U Bookstore 724-938-4324

Disabled Student Services 724-938-5781

Financial Aid 724-938-4415

Financial Aid Fax 724-938-4551

Graduate School Office 724-938-4187

Housing 724-938-4444

Operator 724-938-4000

Student Affairs 724-938-4439

Veterans Affairs 724-938-4076

Important Financial Aid Numbers

Federal Student Aid Info 1-800-433-3243

Federal Student Aid Hotline TDD 1-800-730-8913

Pell Grant (Duplicate SAR) 1-319-337-5665

Immigration&Naturalization Services 1-800-375-5283

IRS Tax Transcripts 1-800-829-1040

Selective Service 1-888-655-1825

Social Security Administration 1-800-772-1213

Direct Loan Servicing 1-800-557-7394PHEAA State Grants 1-800-692-7392

What forms are required for financial aid at Cal U?To­apply­for­Federal­(Pell­Grant,­Supplemental­Educational­Opportunity­Grant­(SEOG),­Work-Study,­and­Stafford­and­PerkinsLoans)­and­state­(PHEAA­Grant)­student­aid,­the­student­must­complete­the­Free­Application­for­Federal­Student­Aid­(FAFSA)­each­academic­year.­Prior­year­aid­recipients­will­receive­a­renewalreminder­e-mail­from­the­Department­of­Education­describingthe­renewal­process­on­the­Web­using­their­Federal­PIN.­New­students­are­strongly­encouraged­to­file­the­FAFSA­on­the­Web­atwww.fafsa.gov.­

When do I apply for financial aid?Students­can­file­the­FAFSA,­Renewal­FAFSA,­or­FAFSA­on­the­Webafter­Jan.­1­for­each­new­award­year.­Students­filing­the­FAFSA­byApril­1­will­be­given­priority­consideration­for­Federal­Work-Study,SEOG­and­the­Perkins­Loan­Program.­However,­students­can­filefor­financial­aid­at­any­time­during­the­award­year­(July­1­to­June30).­To­be­considered­for­Institutional­Endowed­Scholarships,FAFSA­should­be­submitted­by­March­15.

What types of financial aid arecovered by this application?All­types­of­federal­(Pell­Grant,­SEOG,­Work-Study,­and­Staffordand­Perkins­Loans),­state­(PHEAA­Grant)­and­University­assistanceare­covered­with­this­application.­­­

How do I apply for a Pell Grant?When­you­complete­the­Free­Application­for­Federal­Student­Aid(FAFSA),­you­are­automatically­considered­for­a­Pell­Grant.

If my parents are divorced or separated, are both of them responsible for contributing to my education?The­custodial­parent­and­current­spouse,­if­any,­must­completethe­FAFSA­form.­The­non-custodial­parent­is­not­required­to­report­information­for­federal­student­aid­purposes.­

What is the difference betweenthe Bursar’s Office and the Financial Aid Office?The­Financial­Aid­Office­determines­financial­aid­eligibility­andawards­grants,­scholarships,­loans­and­work-study.­The­Bursar’s­Office­distributes­bills­and­collects­payments,­receives­loan­proceeds­and­issues­refund­checks.

Frequently Asked Questions

CAL U {9

Glossary

1040 Form, 1040A Form, 1040EZForm: The­Federal­Income­Tax­Return­that­is­required­to­be­filedby­each­person­who­received­income­during­the­previous­year.

Academic Year: The­period­of­timeschool­is­in­session,­consisting­of30­weeks­of­instruction.

Appeal: A­formal­request­made­by­the­student­to­have­a­financialaid­administrator­review­his/her­unusual­circumstances,­which­mayaffect­the­student’s­aid­eligibility(i.e.,­death­of­a­parent,­unemployment,­etc.)

Award Letter: An­official­letter­issued­by­the­Financial­Aid­Officethat­lists­the­financial­aid­awardedto­the­student.­You­must­check­theawards­you­wish­to­receive.

Bursar’s Office: The­University­office­responsible­for­billing­and­collecting­University­charges.­This­office­also­receives­loan­proceeds­and­issues­refund­checks.

Campus-Based Aid Programs: There­are­three­financial­aid­programs­funded­by­the­federalgovernment­but­administered­by­the­school,­using­federal­guidelines.­These­programs­are­theFederal­Supplemental­Educational­Opportunity­Grant­(FSEOG),­Federal­Perkins­Loan­Program­andthe­Federal­Work-Study­Program.

Cost of Attendance (COA):also­known­as­the­cost­of­education­or­“budget,”­is­the­total­amount­used­to­calculate­a­student’s­aid­eligibility.­Thisamount­includes­tuition­and­fees,room­and­board,­allowances­forbooks­and­supplies,­transportation,and­personal­and­incidental­expenses.­

College Work-Study: A­part-time­jobfor­undergraduate­students.­This­isoften­referred­to­as­the­FederalWork-Study­Program.

Commuter Student: A­student­who­resides­at­home­with­his/her­parents­and­commutes­to­school­daily.

Custodial Parent: In­the­event­a­student’s­parents­are­separated­ordivorced,­the­custodial­parent­isthe­one­who­is­providing­morethan­1/2­of­the­student’s­support.­If­both­parents­provide­equal­support,­then­the­Custodial­Parentis­designated­as­the­one­withwhom­the­student­lived­the­mostduring­the­past­12­months.

Dependent Student: A­student­whois­23­years­old­or­younger­and­issupported­by­his/her­parents.­A­parent­refusing­to­provide­support­for­a­child’s­education­is­not­sufficient­for­the­child­to­be­declared­independent.

Disbursement: The­release­of­loanproceeds­to­the­school­for­deliveryto­the­borrower.

Disclosure Statement: A­statementfrom­the­lending­institution­thatprovides­the­borrower­with­information­regarding­the­approval­amount­of­the­loan,­interest­rate,­origination­andinsurance­fees,­and­any­otherfinance­charges­incurred.

Electronic Funds Transfer:Used­by­lenders­to­wire­funds­forStafford­Loan­proceeds­directly­to­participating­schools­without­requiring­a­check­for­the­student­to­endorse.

Enrollment Status: Indication­oftotal­credits­scheduled­for­an­enrollment­period.­Most­aid­programs­require­students­to­be­enrolled­at­least­half-time­to­receive­aid.

Expected Family Contribution (EFC):The­amount­of­money­that­the­family­is­expected­to­contribute­to­the­student’s­education.­This­isbased­on­the­Federal­Methodologyneed­analysis­formula­dictated­by­Congress.

Financial Aid Package: This­includes­any­aid,­such­as­grants,scholarships,­loans­and­work-study,offered­to­the­student­to­assist­inthe­funding­of­his/her­education.­

Gift Aid: Financial­aid­which­is­not­repaid,­such­as­scholarships­and­grants.

Grant: A­type­of­financial­aid­basedon­financial­need­that­a­studentdoes­not­repay.

Independent Student:Must­meet­at­least­one­of­the­following:–­­Age­24­or­older–­­Veteran­of­the­U.S.­Armed­Forces–­­Enrolled­in­a­graduate­or­­­­professional­program­beyond­a­­­­­­­bachelor’s­degree–­­Married–­­Orphan­or­ward­of­the­court,­or­­­­­a­ward­of­the­court­until­age­18–­­Legal­dependents­other­than­ ­­­­­­­­­­spouse­for­which­you­are­­­­­responsible­

Loan: Borrowed­money­that­youmust­repay­with­interest.

Need: The­difference­between­the­Cost­of­Attendance­and­the­Expected­Family­Contribution­isknown­as­financial­need.

Pell Grant: A­federal­need-based­grant.

Scholarship: Gift­aid­which­is­not­repaid.­

Stafford Loan:A­Stafford­Loancomes­in­two­forms,­unsubsidizedand­subsidized.­Students­are­required­to­pay­interest­on­an­unsubsidized­loan;­whereas,­thegovernment­pays­the­interest­on­a­subsidized­loan­while­the­studentis­in­school.­

Subsidized Loan: A­loan­on­whichthe­government­pays­the­interestwhile­the­student­is­in­school.­Subsidized­loans­are­based­onneed,­and­may­not­be­used­to­finance­the­family­contribution.

Supplemental EducationalOpportunity Grant (SEOG):A­Federal­grant­program.­

Unmet Need: The­difference­between­the­student’s­financialneed­and­total­need-based­aid.

Unsubsidized Loan: A­loan­on­which­the­government­doesnot­pay­the­interest.­The­borroweris­responsible­for­the­interest­on­anunsubsidized­loan­from­the­datethe­loan­is­disbursed,­even­whilethe­student­is­still­in­school.­

Untaxed Income: Contributions­to­IRAs,­Keoghs,­tax-sheltered­annuities­and­401(k)­plans,­as­wellas­workers’­compensation­and­welfare­benefits.

U.S. Department of Education:Federal­agency­that­administersseveral­federal­student­financial­aidprograms,­including­the­Pell­Grant,the­Federal­Work-Study­Program,the­Perkins­Loan,­the­Stafford­Loanand­the­PLUS­Loan.

Verification: A­review­process­inwhich­the­Financial­Aid­Office­determines­the­accuracy­of­the­information­provided­by­the­student­and­parents­on­theirFAFSA.­During­this­process,­the­student­will­be­required­to­submitrequested­documentation.

California University of Pennsylvania is an academic community dedicated to the idealsof justice, fairness and equal opportunity forall. In compliance with federal and state laws,the University is committed to providing equaleducational and employment opportunitiesfor all persons without regard to race, color,sex, religion, national origin, age, disability,ancestry, sexual orientation or status as a disabled or Vietnam era veteran. TheUniversity will not tolerate racial, ethnic orsexual discrimination. Sexual harassment isconsidered by law to be a form of sexual discrimination and is, therefore, unacceptable.Direct equal opportunity and affirmative action inquiries or complaints to the SpecialAssistant to the President for EqualEmployment and Educational Opportunity(EEEO), Office of Social Equity, South Hall112, 724-938-4014. Direct inquiries regardingservices or facilities accessibility to theADA/504, Compliance Officer, Office ofStudent Development and Services, G 52Carter Hall, 724-938-4056. Direct Title IX inquiries to the Senior Women'sAdministrator/Title IX Coordinator,Department of Athletics, Hamer Hall 248,724-938-4351.

VFA 28M 9.14

F O R M O R E I N F O R M A T I O N

Office of Financial AidDixon Hall 105PHONE: 724-938-4415FAX: 724-938-4551www.calu.edu

Office of AdmissionsCalifornia Universityof Pennsylvania250 University AvenueCalifornia, PA 15419PHONE: 1-888-412-0479 or 724-938-4404FAX: 724-938-4564

A proud member of the Pennsylvania State System of Higher Education.

For a current listing of all programs, please visit the Cal U website at www.calu.edu.

CALIFORNIA UNIVERSITY OF PENNSYLVANIADEGREE PROGRAMS AND CONCENTRATIONS

BACHELOR DEGREESAnthropology

Forensic Anthropology Archaeology

Arabic Language & Cultures Art Art Studio Athletic Training Biology

Pre-Medicine Pre-Chiropractic Medicine Pre-Dentistry Pre-Osteopathic Medicine Mortuary Science (co-op program) Pre-Optometry Pre-Podiatric Medicine Pre-Pharmacy Pre-Veterinary Medicine

Business Administration Human Resource Management Accounting Business Economics Finance Marketing Management Information Technology Management

Chemistry Commercial Music Technology Communication Disorders Communication Studies

Public Relations Radio & TV Speech Communication

Computer Engineering Technology Computer Information Systems Computer Science Earth Science

Meteorology Environmental Environmental Hazards

EducationCertification for Secondary Schools- Art - Biology - Chemistry - Communication - Earth & Space Science - English - Mathematics - Physics - Social Studies - Spanish

Technology Education K-12 Childhood Education PreK-4 Childhood Education PreK-4/Special Ed Middle Level Education Grades 4-8

- Language Arts/Reading - Mathematics - Science - Social Studies - Math & Language Arts/Reading - Math & Science - Math & Social Studies - Science & Language Arts/Reading - Science & Social Studies

Middle Level Education Grades 4-8/ Special Ed - Language Arts/Reading - Mathematics - Science - Social Studies

Electrical Engineering Technology English

Creative Writing Journalism Language & Literacy Literature

Environmental Studies Conservation Ecology Fisheries & Wildlife Biology Environmental Science Leadership and ManagementNatural Resource Management and Policy

Geography Climatology GIS & Emergency Management Tourism Studies

Geology Gerontology Graphic Design Graphics & Multimedia History International Studies Jurisprudence with concentration

in Land ManagementJurisprudence with concentration

in Legal Studies Justice Studies

Homeland & International Security Criminology Law & Justice Forensic Science

Liberal Studies Mathematics Mechatronics Engineering TechnologyNursing (BSN) for RNs Nursing (BSN) for RNs OnlineParks & Recreation Management Philosophy Physics Political Science

Pre-Law Psychology Social Science Social Work Sociology

Applied SociologyScience and Technology

Multidisciplinary StudiesSpanish Sport Management Studies

Professional Golf Management Wellness & Fitness (online)

Technology Management Theatre

Undecided in Education Undecided in Liberal Arts Undecided in Science & Technology

ASSOCIATE DEGREESAccounting Computer Engineering Technology Computer Science Technology

Computer Information Systems Early Childhood Electrical Engineering Technology Graphics & Multimedia Industrial Technology Liberal Studies Nursing (RN) co-op with CCAC

Degree issued by CCAC Physical Therapist Assistant Radiologic TechnologyRobotics Engineering Technology Technical Studies

CERTIFICATE PROGRAMS Land Management

LETTERS OF COMPLETIONSpanish for Business Spanish for Law Enforcement Sex Crimes Involving Online Predators Industrial Safety