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Tuition and Financial Aid

Tuition and Fee Information

RCW Tuition and Fees

The comprehensive fee for students at Mary Baldwin in the Residential College for Women during the 2013-2014 academic year is $37,120 ($28,360 for tuition, $250 student organization fee, $110 technology fee, and $8,400 for room and board). The PEG Housing fee is $1,200. Financial aid packages based on both merit and need can substantially reduce the actual out-of-pocket cost. The college offers a variety of services to assist students and families in financing a private college education.

There are no laboratory, lecture, or practice teaching fees. Some classes have fees for private music lessons, art materials, field trips, use of facilities not belonging to the college, or other extraordinary expenses. For details, see the course descriptions in this catalog.

Annual Deposit

All students in the RCW who intend to return to Mary Baldwin for the succeeding academic year, including those participating in overseas programs and/or the consortium program, must make a deposit of $300 by March 1, which is credited to payment of fees for the next session. This deposit will be returned only if the student is advised to withdraw or is prevented by causes beyond her control from returning to college. Students who plan to return to Mary Baldwin College for the following fall, are in good standing, and have made their deposit for the following year are given the opportunity to enter the MBC housing lottery. Eligible students will select housing based on a priority list that weighs a combination of factors including academic performance and class year. Assignments of rooms for upperclassmen are made shortly after spring break.

Monthly Payment Plan

Fees that are normally due in one large lump sum at the beginning of each semester may be paid in 10 equal monthly installments. There are no interest or finance charges — only an administration fee of $60. For additional information, please contact the Mary Baldwin College Student Accounts Office.

Half-Price Tuition Plan

Students who have completed eight semesters of full time work in classes on the MBC campus may enroll in additional on-campus classes for half of the usual applicable per-hour tuition charge if approved by the registrar. Students must be eligible for readmission to MBC. They may live off campus. On-campus housing is subject to availability and will be charged at full price. To take advantage of the half-price tuition, no more than 12 months may have elapsed since the date of last enrollment. Graduate courses, and summer directed inquiries are not available at half-price. MBC will help the student get external grants and loans, but no institutional aid will be available to students under this plan.

RCW Schedule of Payments 2013–2014

Resident Students

Direct Cost (tuition and fees, room and board) ……….$37,120
(Fees include: Student Organization Fee $250, Technology Fee of $110)
Payable as follows:
Advance Deposit (nonrefundable) due:
March 1 from returning students …………………………$300
May 1 from new students …………………………………….$300
August 1 from all students (less Advance Deposit
payment)…………………………………………………………..$18,685
December 1 from all students………………………………$18,435

Commuter Students

Comprehensive Fee
Tuition and Fees …………………………………………………$28,720
(Fees include: Student Organization Fee $250, Technology Fee of $110)
Payable as follows:
Advance Deposit (nonrefundable) due:
March 1 from returning students …………………………..$300
May 1 from new students ……………………………………..$300
August 1 from all students (less Advance Deposit
payment)……………………………………………………………$14,485
December 1 from all students………………………………..$14,235

Part-Time Students

Fewer than 12 semester hours during fall or spring semesters: $427 per semester hour. Students in the Residential College for Women attempting 12 semester hours or more are considered commuter students and are charged accordingly. The internship fee for part-time students is $213.50 per semester hour and is charged for any 287 or 387 course. The audit fee is $213.50 per semester hour.

Summer Term

Individual course credits taken during the summer
• Summer coursework (2013–14)……….$427 per s.h.
• Internship Fee (2013–14) ………………$213.50 per s.h.

Note: Advance Deposit payments are nonrefundable for first-year and transfer students after May 1. Advance Deposit payments for all returning students are nonrefundable.

Partial-Year Students

Full-time students residing at MBC for the fall or spring term will be charged $18,685. Commuter students enrolling for either period will be charged $14,485. There will be no additional charge for attending the May Term (for currently enrolled students). For student-teaching, social work and internships being done off-campus during fall or spring semesters under faculty supervision, students will be charged as half-year commuter students. If a student wishes room and board on campus while performing an internship off campus, student is charged as a boarding student.

Special Costs

Administrative Fees

A student, who is enrolled but is off-campus for an entire year on an approved program not under faculty supervision (i.e., clinical laboratory science and studies abroad), will be charged a per-semester fee of $250. A student who is granted a leave of absence or withdraws from the college and is issued a credit will be assessed an administrative fee of $100.

Transcript of Record

Transcripts are issued upon request. A student’s financial record must be cleared of all charges before a transcript of record is issued.
• Transcripts ……………………………………………$4 per copy
• Graduation Fee (seniors only) …………………..$100

Special Course Fees

Music Lessons: Individual Applied Music Lessons will be charged on a per-semester basis. Pre-approved music majors and minors take Primary Applied Lessons (200-level, two credits/60-minute lessons). Most other students take Elective Applied Lessons (100-level, one credit/30-minute lessons). Students with questions about their status should consult the music department. Fees: twelve 30-minute lessons: $230; twelve 60-minute lessons: $450. Approved music majors or minors receive reduced fee: twelve 30- minute lessons: $130; twelve 60-minute lessons: $175. Reduced fees are based on certification by the music department at the beginning of each semester. A student who drops applied music lessons after the second lesson, whether taking a W/F or W/P, will be billed for the full lesson fee for a given term.

Fine Arts: A number of studio art courses require a student to pay for expendable materials. ENG/THEA 216 and THEA 101 require students to pay for theatre tickets. For specific fees, consult course section of this catalog or the instructor in charge of the course.

Physical and Health Education: Some physical and health education courses require special fees. See course descriptions in this catalog for more information.

Special Housing Fees

A charge is added to room cost on a semester basis for the following locations:
• Single room residence halls ………………….$450 per semester
• Carriage House, Coalter Street House,
Hawpe House, King, Scott House, and
Woodrow Terrace Apartments ………………..$150 per semester

Lost Dorm Keys

• Fine for replacement of lost room keys …………………………$25
• Fine for the replacement of lost keys to outside doors ……..$50

Note: Students are strongly encouraged to obtain a key to their individual rooms at the beginning of the school year.

Damage or Loss of Personal Possessions

Damage to or of personal property is not covered by the college’s insurance. MBC assumes no responsibility for damage or loss of any article left on its premises at any time.

Cars

Students must register their cars with the campus security office and pay the following fees each year:
• Residential students ……………………………………………………$50
• Commuter students ……………………………………………………$20

Conditions of Payment

Charges are listed for the college year. Fifty percent of the comprehensive fee is due by August 1. The balance for all students is due by December 1. Payments must be made before students can register for classes.

Deadlines for Payment

Students will not be permitted to begin classes until all tuition and fee payments for the first semester have been paid, and will not be permitted to begin second semester classes until all tuition and fee payments have been paid. In order for seniors to participate in Commencement activities, all financial obligations must have been paid two weeks before graduation day. In order for juniors, sophomores and first-year students to participate in Room Draw, all financial obligations must be paid. The college policy for all students is that past and current obligations must be paid in full as a precondition to register or reside on campus.

Note: The college will not issue transcripts or diplomas if any outstanding balances are due to the MBC business office or bookstore.

Finance Charges

An interest charge of 15% a year may be applied to outstanding balances owed after October 15 for the fall semester and February 15 for the spring semester.

Collection Procedures

Active collection efforts are made by MBC personnel to collect delinquent payments from current students. When a student who has withdrawn from the college has a delinquent account, MBC pursues legal means to collect balances due. If the college must refer unpaid obligations to a collection agency, the college includes the full cost of collection and/or attorney fees as part of the outstanding obligation.

Credit and Refund Policy

MBC arranges for instruction and services in advance on an annual basis. Therefore, charges for students in the Residential College for Women are listed for the entire year with billings and payments based on first and second semesters. Charges for the year may be paid in two installments: August 1 for the first semester, and December 1 for the second semester. Credits and refunds are based on first and second semester. Credits outstanding at the end of first semester are applied to second semester of the same academic year. Credits outstanding at the end of second semester are applied to charges for first semester of the following academic year. No student will be permitted to register or reside on campus until applicable charges for the current semester have been paid in full. The Student Accounts Office assumes responsibility for the administration of college policy related to payment of fees.

Application for Credits and Refunds

The date on which written notice is received by the college is considered the date of withdrawal. Refunds are made only to the guarantor of the student’s financial obligation. If there is a prepaid deposit, it is applied to bills due at time of re-entry; such deposits are nonrefundable.

Returned Check Policy

Students will be charged a $28 fee for any check received in payment of any obligation that is returned by the bank.

Counseled Withdrawal

In the event a counseled withdrawal is granted, a refund is issued based on the pro rata portion of the prepaid tuition and room and board, less a $100 administrative fee. Students approved for counseled withdrawal will not be charged for second semester if withdrawal occurs prior to registration day for second semester. If a counseled withdrawal is granted subsequent to registration day for second semester, a refund will be issued based on the pro rata portion of the prepaid tuition, room and board, less a $100 administrative fee. Adult students who formally “stop out” during a semester in which they have enrolled in new coursework are eligible for a pro rata refund less a $100 administrative fee.

Disciplinary Withdrawal

Students who withdraw for disciplinary reasons receive a refund in accordance with the pro rata schedule for the semester in which the penalty is determined. If withdrawal occurs prior to registration day for the second semester, students are not charged for second semester.

Academic Withdrawal

Students required to withdraw for academic reasons at the end of the first semester are not charged for the second semester. Students required to withdraw for academic reasons at the end of the second semester receive a refund for the $300 advance deposit they paid for the upcoming academic year.

Authorized Leave of Absence

When an authorized leave is granted, a credit is issued based on the pro rata portion of prepaid tuition and room and board applicable to first semester and/or second semester less a $100 administrative fee. When an authorized leave of absence is granted prior to second semester registration day, the student is not charged for the second semester.

Medical Leave

When a medical leave is granted, credit is issued based on the pro rata portion of the prepaid tuition and room and board fees, less a $100 administrative fee. If the leave occurs prior to second semester registration day, students are not charged for the second semester.

Board Refunds

Board refund for basic food costs may be granted only on a semester basis in rare cases when, in the judgment of the college physician, there are medical conditions warranting exemption from the meal plan. A student requesting exemption must first schedule an appointment to see the college physician through the MBC Health Services Center. The student will be referred to an appropriate medical specialist for an evaluation of her condition. All off-campus medical evaluations will be at a student’s expense. The college physician will make a final recommendation to the vice president for business and finance based on documentation from the medical specialist

Pro Rata Refund Procedures

What is a Pro Rata Refund?

The Higher Education Amendments of 1992 define a pro rata refund as a refund to a student of not less than that portion of the tuition, fees, room, board, and other charges assessed the student equal to the portion of the enrollment period for which the student has been charged that remains on the last day of attendance, minus any unpaid student charges, and minus a reasonable administrative fee.

When and How are Pro Rata Refunds Applied?

The pro rata refund is applicable to students who withdraw from the institution within 60 percent or less of the enrollment period (beginning of classes to the end of exam period). After the 60% mark, refunds are not granted.

Classes begin September 2, 2013, and exams end December 13, 2013, for terms 1 and 2. Classes begin January 6, 2014, and exams end April 21, 2014, for terms 3 and 4. May Term (Term 5) begins April 23, 2014, and ends May 13, 2014. There is no additional charge for attending the May Term for currently enrolled full-time students.

For students subject to the institutional refund policy, the MBC Student Accounts Office calculates a federal refund amount according to regulatory requirements.

Federal law requires refunds to be returned in the following order: Direct Stafford Loans, PLUS Loans, Perkins Loans, Pell Grants, SEOG Grants, Institutional Aid.

Dates noted above may need to be adjusted to reflect posted schedules for graduate programs. An additional administration fee may be charged.

ADP Tuition and Fees

The total cost of the program varies depending on the student’s background and previous college work.

Tuition Per Semester Hour

• Regular course work — $427 per semester hour
• Internships — $213.50 per semester hour

Special Costs

• Orientation Fee — $50
• Extended Time Fee — $60 per semester hour
• Prior Learning Portfolio Evaluation — $427 per portfolio (Cost equals one credit hour per portfolio.)
• Re-activation Fee — $50
• Graduation Fee — $100
• Administrative Withdrawal Fee — $100 (in addition to any tuition that is due)
• Technology Fee — $10 per semester hour (not to exceed $50 per semester and $100 per academic year)

Graduate Tuition and Fees

Graduate tuition and fee information is included with the general information on each program. For more information, see the Graduate Teacher Education, Shakespeare and Performance, and Murphy Deming College of Health Sciences sections of this catalog.

Financial Aid

Student Financial Aid

The Office of Financial Aid and Student Campus Employment at Mary Baldwin College is committed to making a private education available to as many well qualified students as possible. In fact, over 97% of our traditional-age students rely on some form of merit or need-based financial aid to help meet the cost of a college education. The college participates in a wide range of federal, state, and institutional aid programs. Each program has its own regulatory demands and requirements. The exact amount of an aid award can be determined only after completion of the Free Application for Federal Student Aid (FAFSA).

The Office of Financial Aid and Student Campus Employment strives to make the aid process as uncomplicated as possible. We understand, however, that families and students are faced with questions and concerns regarding financial aid. The professional staff is available Monday through Friday 8:30–4:30 at 540-887-7022 and by e-mail at finaid@mbc.edu to offer assistance.

Eligibility Requirements for Aid

Since Mary Baldwin actively participates in a number of federal aid programs, the requirements for federal aid are used as the core requirements for all need-based aid and include, but are not limited to, students who:
• have a high school diploma or the equivalent (Exceptions are made for students in the Program for the Exceptionally Gifted and Early College Academy);
• are accepted or enrolled as full-time, regular students (NOTE: A few federal programs can provide some assistance to students who are less than full-time);
• are degree candidates;
• are U.S. citizens or eligible non-citizens;
• maintain satisfactory academic progress toward a degree at Mary Baldwin.

Applying for Aid

There are three general types of financial aid awards that students and families receive: grants/scholarships, loans, and jobs. Grants/scholarships represent any form of financial aid that can be used to meet the cost of education without future obligations to repay. For more information on outside scholarships, go to www.fastweb.com. Loans are money that either students or parents can borrow to cover educational expenses. Loans must be repaid with interest in the future. Jobs allow students to work, giving them the opportunity to gain both valuable experience and money to help pay for education-related expenses. Each of these three general types of aid — grants/scholarships, loans, and jobs — can be awarded based on either a family’s financial need or some type of non-need criteria, such as a student’s educational accomplishments or state of residence.

To apply for need-based aid at Mary Baldwin College, a family must submit a Free Application for Federal Student Aid (FAFSA) to the federal government for processing each academic year (www.fafsa.ed.gov). The FAFSA is the only form the college requires for students applying for aid based on a family’s need. If Mary Baldwin College is listed on a student’s FAFSA (School Code 003723), the aid office will receive the results of processing directly from the government in electronic form (ISIR). The student will receive a Student Aid Report (SAR). It is suggested that the SAR be reviewed carefully to check for errors or requests for clarification. Corrections can be made electronically by the students and parents at the FAFSA website, www.fafsa.ed.gov.

For more information on federal aid, access www.studentaid.ed.gov. It is strongly recommended that Virginia residents complete the Tuition Assistance Grant (TAG) application shortly after the student applies to the college. The TAG application must be returned to the aid office before July 31 preceding enrollment. The original application is valid, in most cases, to cover the four years a student is enrolled continuously at the college.

Receiving Aid

Aid not based on need is credited to a student’s financial aid record as soon as the aid office becomes aware of such aid. Aid based on need will only be awarded after a student’s FAFSA is successfully processed by the government and the results (ISIR) are received by the aid office. The processing of the data the family and student supplied on the FAFSA will result in an Expected Family Contribution (EFC). The EFC is an amount the government determines a student and her family can contribute toward her education. A student’s need is the difference between the cost of attendance at Mary Baldwin and the student’s EFC.

Total Cost of Attendance

- EFC

————————-

= Financial Need

The cost of attendance is prescribed by federal regulations and includes:
• the tuition and fees the student owes directly to the college;
• the room and board at the college or an allowance for room and board for a commuting student;
• a standard allowance for books;
• a standard allowance for miscellaneous expenses;
• an allowance for transportation;
• an allowance for loan fees (if applicable).

The Office of Financial Aid and Student Campus Employment will prepare an aid package and mail this information to the student’s home address as soon as possible. All non-need-based aid will be considered as part of a need-based aid package first along with eligibility for Pell Grants and other federal grants. If there is need remaining after these forms of aid are considered, the aid office will award loans, jobs, and grants to fill as much of the remaining need as funding and institutional awarding policy will allow.

When the student receives an award letter, she will be asked to make decisions on which types of aid she will accept. The student may also need to complete further paper work depending on individual aid situations. Explanations of what is needed by the aid office to complete a student’s aid package will be included with the award letter. Students are asked to read all information carefully and respond promptly to any requests by the aid office.

A student must take 12 semester hours in any given semester to be considered full time and eligible for full-time aid. (Note: May Term hours cannot be included in spring semester totals to achieve full-time status.) Students enrolled at least half time (six semester hours) remain eligible for continuation of some federal aid and loan deferment benefits. If a student receives any aid from outside sources (e.g., ROTC scholarships, outside agency scholarships, etc.), federal rules require that this aid be reported to the aid office as soon as the student becomes aware of eligibility. Rules further indicate that, in some cases adjustments to other aid may be required.

Disbursing Aid

Once a student receives an award package and complies with all the regulatory requirements, her aid package is set. Aid will only be disbursed to a student’s business office account once she has enrolled in course work and that enrollment can be verified at the end of “add/drop” each semester. In the meantime, aid will appear on any early billing as “unapplied.” It is hoped this will assist parents when planning for expenses. Again, how aid is disbursed or credited to the student account depends on the form it takes: grants/scholarships, job, or loan. Grants/scholarships given as aid through the college are credited directly to the student’s account. This disbursement only occurs after all regulatory obligations on the part of the student are met to the satisfaction of the Office of Financial Aid and Student Campus Employment. Jobs are offered through the Federal Work-Study Program and through the college. The student is paid by the hour, and a paycheck is issued each month to the student. The student may turn earnings over to the business office to pay tuition for the next semester, or may use the earnings to pay for books and personal expenses. Payment is issued only for hours worked and only up to the amount awarded. Jobs require specified hours of work each week. A job contract will be provided showing eligible hours and wages per week. The job obligation to Mary Baldwin is considered an employment commitment in the business world. Loans are not immediately credited to the student’s account. Perkins Loans will be credited after the appropriate promissory note is signed by the student when she arrives on campus. Direct Stafford Loans and Parent Loans for Undergraduate Students (PLUS) will be disbursed to the student’s business office account only after the “add/drop” period ends and the aid office has reviewed each student’s enrollment and continued eligibility, and the required master promissory notes and student loan entrance counseling have been completed. This process usually takes a month, and students should not anticipate this money being credited to the account any sooner than this. Also, federal regulations mandate that loans come in two disbursements. Finally, if a student leaves the college during an academic period, aid funds awarded to the student are refunded to the appropriate aid fund under the policy described in this catalog as “Pro Rata Refund Procedures.” Questions about billing should be directed to the Student Accounts Office.

Loans

All loans taken through the Office of Financial Aid and Student Campus Employment at Mary Baldwin should be considered by students and parents as a serious commitment that must be met in the future. MBC will award, depending on financial need and borrowing eligibility, three types of loans: Perkins, Direct Stafford, and PLUS. Perkins Loans are awarded to the students with the most need, usually Pell recipients. Repayment will not begin until the student leaves the college or falls below half time. Interest is covered while the student is in college and only begins to accrue once the repayment period starts. There is a grace period after leaving the college or falling below half time. Students will be counseled on their rights and responsibilities at the time the student is asked to sign her promissory note. Direct Stafford Loans are student loans with two separate and distinct awards based on a family’s need. Loans awarded to cover need are Subsidized Direct Stafford Loans. Students will not be charged interest on Subsidized Direct Stafford Loans while they are continuously enrolled with at least half-time status. Students not eligible for Subsidized Direct Stafford Loans may be eligible for an Unsubsidized Direct Stafford Loan. Interest on unsubsidized loans will accrue from the time the loan is disbursed; Students may elect to pay the interest as it accrues, or defer paying it until loan repayment begins, when a student leaves, graduates or drops below half time. Each student’s yearly eligibility for Direct Stafford Loans has been established by the federal government as follows:

Freshman $5,500
Sophomore $6,500
Junior/Senior $7,500
Graduate $20,500

Students who are independent by federal definition and dependent students whose parents are denied a PLUS may borrow additional Unsubsidized Direct Stafford funds. If eligible, a student may borrow up to $4,000 as a freshman or sophomore, up to $5,000 as a junior or senior. Undergraduate dependent students may borrow up to $31,000 in Direct Stafford Loans during a college career, but only $23,000 may be subsidized. Independent undergraduates, or dependent undergraduate students whose parents do not qualify for federal parent loans,  may borrow up to $57,500 in Direct Stafford Loans but only $23,000 of the total can be subsidized. Graduate students can borrow up to $138,500 over a student’s entire graduate and undergraduate career. Beginning with Fall Semester 2012, graduate students are only eligible for Direct Unsubsidized Stafford loans and Graduate PLUS loans (credit based).  All Direct Stafford Loan borrowers are required to complete entrance and exit counseling sessions detailing loan obligations and the repayment process. Any student with questions on loans is encouraged to contact the aid office at any time before, during, and after her enrollment at Mary Baldwin. Finally, PLUS may be taken by parents of dependent undergraduate students up to the cost of attendance minus other financial aid. This is a credit-based loan for which repayment is the responsibility of the parent. Interest will be charged on the loan from the date of the first disbursement, and repayment generally begins 60 days after the final disbursement of the loan each year. Therefore, parents will begin repayment while the student is in school. Deferment options are available. Detailed information accompanies all Direct Stafford Loans and PLUS applications and promissory notes and may also be found at www.studentaid.ed.gov. Please read this information carefully.

Reapplying for Aid

It is necessary to reapply for all financial aid based on family need. Students are required to submit updated family financial information each year. Most returning students will receive a FAFSA renewal reminder in January from the federal processor that they may complete a renewal FAFSA online at www.fafsa.ed.gov. The reminder will be sent to either the student’s e-mail as reported on the FAFSA or to the home address reported on the FAFSA. If a student does not receive a reminder, she may still be able to complete a renewal FAFSA online. If she is unable to complete a renewal FAFSA, she may complete a new FAFSA. In either case, for a dependent undergraduate student (under the age of 24), both the student and a parent must submit personal identification numbers or signatures for the FAFSA to be processed. The college will try to keep a student’s need based aid package as constant as possible through the undergraduate career. Balances between grants and loans within an individual student’s aid package will change as loan eligibility is increased due to academic progress. Students who reapply for aid must continue to meet all the eligibility requirements listed above. Satisfactory academic progress is also required for renewal of aid. Students receiving financial assistance must make at least minimum satisfactory progress during their years of study at Mary Baldwin. Progress is measured at the end of each semester. The college offers a four-year program for a bachelor’s degree. However, we acknowledge that occurrences such as illness, change of major, and disruption of the program by unexpected events or some period of academic difficulty could extend the program to a fifth year. Therefore, the minimum quantitative and qualitative standards of satisfactory academic progress (SAP) are required by the federal government and Mary Baldwin in order to continue to receive aid. Graduate students must have at least a 3.0 GPA and must successfully complete a minimum of 67% of attempted work within an academic year. One semester of satisfactory academic progress warning will be permitted after a student falls below minimum SAP the first time. If, after the period of warning, a student does not return to the standard minimum progress for that year, aid will not be offered again until minimum standards are achieved. Appeals concerning progress may be addressed to the MBC Office of Financial Aid and Student Campus Employment. Students should bear in mind that these minimum standards are not recommended progress. A student should consult with her academic advisor to develop a program that permits graduation in four years and work toward that goal.

Satisfactory Academic Progress (SAP) For Financial Aid

Semester Hours Earned
Minimum GPA/Class Level
Freshman 0–26 1.65
Sophomore 27–57 1.75
Junior 58–89 1.95
Senior+ 90–126 2.00

Semester hours: This number of earned credit hours determines your class level.

Minimum GPA/Class level: This is the minimum cumulative GPA you must maintain while classified at the specified class level.

Completion Rate and Maximum Time Frame: You must maintain a 67% cumulative completion rate of the courses in which you enroll. You may not receive financial aid for coursework in excess of 150% of the required hours for your degree. You must also have achieved at least the minimum grade point average at each class level.