Financial Aid & Tuition

 

Financial Aid & Tuition


Tips, Tools, and Reimbursement

Payment Tips and Tools

Budget Payment Plan - Lutheran Church Extension Fund Joyful Response Program Tuition Payments may be made automatically each month, for a maximum of four payments per semester, from your LCEF Steward Account or a checking or savings account to Concordia. A Joyful Response program enrollment form must be submitted each semester. For more information contact Concordia's Financial Aid Office.

Textbook Loan Program - Concordia provides textbooks to students of some Accelerated Learning Center programs through a book loan program. Please take care of your textbooks and keep them in good condition. You may highlight in them as you study, but please do not write in them. The Office of Continuing and Distance Education provides the information on how the students order those books after they register. Textbooks must be checked out in person. Textbooks are not provided for the following programs offered at Concordia’s Accelerated Learning Centers: Nursing courses, the Teacher Certification program, the Medical Assistant certificate program and all master’s-level courses.

Renewal of Financial Aid

CUW makes every effort to continue assistance to a student through his or her years of college. Renewal is based upon the following guidelines:

  1. The financial aid application must be filed with the Office of Financial Aid by March 30. Late applications will be accepted and funded according to the availability of Concordia funds.
  2. Free Application for Federal Student Aid (FAFSA) are encouraged to be filed between January 1 and April 1 in order to assure a timely application.
  3. Renewal of scholarships, grants, campus employment, and loans depends upon Financial Aid, and the availability of funds and renewal criterion, including FAFSA results.
  4. Any award or any portion thereof may be either declined by a student or revoked by Concordia if such assistance is not to the advantage of the student or the University.
  5. As funds available must be divided among all deserving students, grants, scholarships, employment, or loans may not always be renewed in their original amounts.
  6. You must be making satisfactory academic progress as defined below and maintain at least a 2.00 grade point average.

Dropped Courses and Tuition Reimbursement

Students must file an official drop form with the University before receiving a refund. Students who withdraw from classes will receive a pro-rated refund of educational fees and residence hall fees, according to the following schedule:

Graduate Reimbursement Policy

For semester-long classes:

  • Before the first class session: 100%
  • Between the first and second class sessions: 80%
  • Between the second and third class sessions: 60%
  • Between the third and fourth class sessions: 30%
  • Between the fourth and fifth class sessions: 10%
  • After the fifth class session: None

For 10-week and 8-week classes:

  • Prior to the first class session: 100%
  • Between the first and second class sessions: 67%
  • Between the second and third class sessions: 33%
  • After the third class session: None

Undergraduate Reimbursement Policy

Students who withdraw from the University, or from one or more classes, will receive a pro-rated refund of educational fees and board fees, according to the following schedule (a week runs Monday to Sunday):

  • During the first week of classes: 80%
  • During the second week of classes: 75%
  • During the third week of classes: 60%
  • During the fourth week of classes: 40%
  • During the fifth week of classes: 20%
  • After the fifth week: None

Student Loans

Federal Direct Subsidized Loan

This federal loan may be offered up to $5,500 per year depending on financial need and grade level. A subsidized loan does not accrue interest until repayment which begins six months after separation from the University or when a student is enrolled less than half-time (six credits per term).

Federal Direct Unsubsidized Loan

This federal loan is an additional loan for educational expenses of up to $7,000 per year depending on eligibility and grade level. Interest begins when the loan is disbursed. Payments may be deferred while the student is enrolled at least half-time but interest does accrue during this time. Repayment with interest begins six months after separation from the University or when enrollment drops to less than half-time (six credits per term).

Student Loans

In some cases it is advisable for students to borrow in order to finance their education, provided they borrow only what is needed to maintain a minimum living standard. Students should use caution in borrowing and generally should not rely primarily on loans. Students who borrow will need to complete a promissory note for a Direct Student Loan via federal website or from the Financial Aid Office. This loan program allows students to begin repayment after they graduate or after they discontinue their education. No interest accrues for the subsidized loan while the student is enrolled in school as at least a half-time student. Repayment begins six months after the student terminates his education. Interest then begins at an annual rate of 6.8% or less.

Federal PLUS Loan

A Federal PLUS loan is a program for parents. They may borrow up to the cost of education minus any other financial assistance. The interest rate on PLUS is 7.9% with repayment beginning within 60 days after second disbursement. This program operates through Concordia’s Financial Aid Office.

FAFSA and Our Grants and Scholarships

The amount of financial aid awarded is based mainly on the applicant’s financial need. In order to help determine student need and provide aid for students fairly, the parents of aid applicants are asked to file the Free Application for Federal Student Aid (FAFSA). On the basis of this financial information, the University is able to determine the difference between University costs and the amount a student and parents can reasonably be expected to provide. This difference is defined as need. If a student is independent according to the Federal Department of Education definition, the student would submit a financial statement without parental information.

How to Apply for Aid

A FAFSA is necessary for application for scholarships, grants, loans, or employment from Concordia. These forms need to be completed annually for possible renewal of financial assistance.

The FAFSA is to be completed after January 1 and returned for processing to the address indicated on the FAFSA. Signed copies of your and your parents' previous year’s Federal Income Tax Returns are also required if federal verification is required.

Within one month after your complete application has been received by Concordia, you will be advised as to the various types of financial assistance for which you are eligible. These include employment, loans, grants, and scholarships administered by Concordia University Wisconsin. Students are encouraged to apply as early as they can; applications received by March 30 will receive full consideration for all Concordia assistance available. Applications received after that date will be subject to the limitations of available resources.

If you have any questions or need any forms, write or phone the Financial Aid Office. Detailed information is also available in the form of a 14-page flipchart on our Concordia University Online website.

Grants and Concordia Scholarships

We encourage, through scholarships, those students who present a strong composite picture of outstanding academic achievement, unusual diligence, consecrated creativity, and self-sacrificing service.

Through the generosity of many friends of Concordia University Wisconsin and CUAA (Concordia University of Ann Arbor), numerous endowments have been established. The earnings of which financially assist students on the basis of merit and/or need. These grants and scholarships range from $100 to $4,000 per year. Additional information about the nature of the endowments and program eligibility is available from the Financial Aid Department.

The following grants (non-repayable funds) offered by CUW are based primarily on the undergraduate student’s demonstrated financial need.

Pell Grants

A federal Pell Grant provides funds to help pay for higher education. Awards range from $200 to $5,550 per year. The actual amount the student receives depends on the financial information reported on the FAFSA, whether a full-time or part-time student, and the cost of education. An application must be filed annually through the Office of Financial Aid, Concordia University Wisconsin.

Federal Direct Subsidized Loan

This federal loan may be offered up to $5,500 per year depending on financial need and grade level. A subsidized loan does not accrue interest until repayment which begins six months after separation from the University or when a student is enrolled less than half-time (six credits per term).

Federal Direct Unsubsidized Loan

This federal loan is an additional loan for educational expenses of up to $7,000 per year depending on eligibility and grade level. Interest begins when the loan is disbursed. Payments may be deferred while the student is enrolled at least half-time but interest does accrue during this time. Repayment with interest begins six months after separation from the University or when enrollment drops to less than half-time (six credits per term).

Congregational Grants, Lutheran Church - Missouri Synod

In an indirect way, your congregation is assisting you with your educational expenses. Concordia University receives financial support from The Lutheran Church - Missouri Synod of which your congregation is a contributing member. Hence, your tuition here is about $1,000 less than the tuition at most independent colleges. In addition, many congregations directly assist their students with some educational expenses. Some students receive as much as $2,000 from their congregation each year; however, the average amount received is closer to $700. Concordia encourages you to inquire about possible assistance through your pastor.

District Grants

Most districts of The Lutheran Church - Missouri Synod, through their Board of Student Aid and/or Recruitment, provide grants to students preparing for a church vocation. Grants, and on occasion loans, are awarded in amounts ranging from $100 to $1,000 per year.

Wisconsin Tuition Grant Program

Wisconsin residents attending CUW are eligible to apply for the Wisconsin Tuition Grant. The purpose of the grant is ‘‘to provide the Wisconsin student with greater freedom of education choice, thus enabling students to follow a path of self-development in harmony with their desires and the welfare of society.’’ The amount of the grant is based on the student’s financial need and the tuition at Concordia. Grants range up to $2,900 per year. An application should be filed by April 1 through the Office of Financial Aid, Concordia University Wisconsin.

Study Abroad Grant

Students who meet all eligibility requirements will be awarded up to $1,000. Eligibility requirements and application instructions can be found in the Study Abroad Handbook at www.cuw.edu.

Supplemental Educational Opportunity Grant (SEOG)

A Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant to help pay for education after high school. It is for undergraduates only and it does not have to be paid back. Awards range up to $4,000, depending on need, the availability of FSEOG funds, and the amount of other aid the student is receiving.

Veterans Educational Assistance

CUW in Mequon is approved as an educational institution at which students may receive veterans' benefits. Prospective students who have been in the Armed Forces should check with their local V.A. office for more complete details. They must file for benefits in Milwaukee if they have made no prior claims. If a claim file has already been established, they should file with that particular V.A. office.

 

The Concordia Promise

Concordia University Online has recently unveiled the Concordia Promise: an exciting initiative to support a variety of opportunities for advanced learning and higher education.

Dual Credit Courses

Concordia University Online currently offers a number of Dual Credit courses to enhance high schools’ honors-level curriculum. The Concordia Promise provides scholarships to make the Dual Credit courses more affordable for students.

Concordia Promise

The Concordia Promise scholarship offers affordable Dual Credit courses for students attending Christian high schools and reduces the cost of tuition from $200 per credit to $50 per credit.*

Concordia Promise Plus

The Concordia Promise Plus scholarship fully funds any Concordia University Dual Credit course. The scholarship applies to Concordia University of Wisconsin tuition after enrollment for an undergraduate degree. Any student taking Concordia University Online Dual Credit courses while attending a Christian high school is eligible for the Concordia Promise Plus if the student chooses to attend Concordia University for an undergraduate degree.

Additional Value for Partner High Schools, Teachers, and Families

Beyond enhancing curricular offerings and providing Christian scholarship funds, the Concordia Promise gives additional benefits to partner high schools. Concordia Promise Partner Schools may receive an assortment of supplemental programs, such as:

  • Consulting services from Concordia University Online
  • Professional development opportunities
  • Participation in leadership summits for qualified high school students
  • Access to Concordia University Online’s free non-credit courses focusing on the needs of high school students, teachers, parents, and administrators. Future offerings include a free course on blended learning for teachers in Christian schools, a financial literacy course for high school students, a course entitled "Is College Worth It?" for high school students and their families, and a career exploration course to help high school students begin considering college majors.

For more information about the Concordia Promise and Dual Credit courses, contact Katie Baganz at kathryn.baganz@cuw.edu.

*Concordia Promise is available for students currently enrolled in a Christian high school or homeschool who are not eligible for state, district, or outside funding.

All About Financial Aid & Tuition

Concordia University Online believes that the talents, hopes, and ambitions of our students are among the most valuable resources our church and nation possess. With this in mind, CUW continues to promote scholarship, loan, and employment opportunities for its qualified, deserving students who must find funds to attend college.

We'll help you put together a financial aid package that fits your needs.

Thanks to generous financial aid packages, your cost to attend CUW could be close to what you'd pay to attend a public university. Think about this:

  • 98 percent of Concordia University Online undergraduate students receive financial aid.
  • The average financial aid award package is almost $21,000.
  • The average needs-based scholarship and grant award is $13,500.
  • You've got more resources available to you than you think.

Types of Financial Aid Available

Financial aid is available from many sources based on need, field of study, academic record, underrepresented minorities, or your area of residence.

  • Concordia University Online scholarships and grants
  • Outside scholarships
  • Federal work-study opportunities
  • Student loans
  • Local businesses and civic organizations
  • Faith-based organizations
  • Your local school district
  • Your employer (or your parents' employer)

Don't worry. We'll help you through the process step by step. Contact your academic or student advisor.


FAFSA and Concordia University Scholarships and Grants

The amount of financial aid awarded is based mainly on the applicant’s financial need. In order to help determine student need and provide aid for students fairly, the parents of aid applicants are asked to file the Free Application for Federal Student Aid (FAFSA). On the basis of this financial information, the University is able to determine the difference between University costs and the amount a student and parents can reasonably be expected to provide. This difference is defined as need. If a student is independent according to the Federal Department of Education definition, the student would submit a financial statement without parental information.

How to Apply for Aid

A FAFSA is necessary for application for scholarships, grants, loans, or employment from Concordia. These forms need to be completed annually for possible renewal of financial assistance.

The FAFSA is to be completed after January 1 and returned for processing to the address indicated on the FAFSA. Signed copies of your and your parents' previous year’s Federal Income Tax Returns are also required if federal verification is required.

Within one month after your complete application has been received by Concordia, you will be advised as to the various types of financial assistance for which you are eligible. These include employment, loans, grants, and scholarships administered by Concordia University Wisconsin. Students are encouraged to apply as early as they can; applications received by March 30 will receive full consideration for all Concordia assistance available. Applications received after that date will be subject to the limitations of available resources.

If you have any questions or need any forms, write or phone the Financial Aid Office. Detailed information is also available in the form of a 14-page flipchart on our Concordia University Online website.


Grants and Concordia Scholarships

We encourage, through scholarships, those students who present a strong composite picture of outstanding academic achievement, unusual diligence, consecrated creativity, and self-sacrificing service.

Through the generosity of many friends of Concordia University Wisconsin and CUAA (Concordia University of Ann Arbor), numerous endowments have been established. The earnings of which financially assist students on the basis of merit and/or need. These grants and scholarships range from $100 to $4,000 per year. Additional information about the nature of the endowments and program eligibility is available from the Financial Aid Department.

The following grants (non-repayable funds) offered by CUW are based primarily on the undergraduate student’s demonstrated financial need.

Pell Grants

A federal Pell Grant provides funds to help pay for higher education. Awards range from $200 to $5,550 per year. The actual amount the student receives depends on the financial information reported on the FAFSA, whether a full-time or part-time student, and the cost of education. An application must be filed annually through the Office of Financial Aid, Concordia University Wisconsin.

Federal Direct Subsidized Loan

This federal loan may be offered up to $5,500 per year depending on financial need and grade level. A subsidized loan does not accrue interest until repayment which begins six months after separation from the University or when a student is enrolled less than half-time (six credits per term).

Federal Direct Unsubsidized Loan

This federal loan is an additional loan for educational expenses of up to $7,000 per year depending on eligibility and grade level. Interest begins when the loan is disbursed. Payments may be deferred while the student is enrolled at least half-time but interest does accrue during this time. Repayment with interest begins six months after separation from the University or when enrollment drops to less than half-time (six credits per term).

Congregational Grants, Lutheran Church - Missouri Synod

In an indirect way, your congregation is assisting you with your educational expenses. Concordia University receives financial support from The Lutheran Church - Missouri Synod of which your congregation is a contributing member. Hence, your tuition here is about $1,000 less than the tuition at most independent colleges. In addition, many congregations directly assist their students with some educational expenses. Some students receive as much as $2,000 from their congregation each year; however, the average amount received is closer to $700. Concordia encourages you to inquire about possible assistance through your pastor.

District Grants

Most districts of The Lutheran Church - Missouri Synod, through their Board of Student Aid and/or Recruitment, provide grants to students preparing for a church vocation. Grants, and on occasion loans, are awarded in amounts ranging from $100 to $1,000 per year.

Wisconsin Tuition Grant Program

Wisconsin residents attending CUW are eligible to apply for the Wisconsin Tuition Grant. The purpose of the grant is ‘‘to provide the Wisconsin student with greater freedom of education choice, thus enabling students to follow a path of self-development in harmony with their desires and the welfare of society.’’ The amount of the grant is based on the student’s financial need and the tuition at Concordia. Grants range up to $2,900 per year. An application should be filed by April 1 through the Office of Financial Aid, Concordia University Wisconsin.

Study Abroad Grant

Students who meet all eligibility requirements will be awarded up to $1,000. Eligibility requirements and application instructions can be found in the Study Abroad Handbook at www.cuw.edu.

Supplemental Educational Opportunity Grant (SEOG)

A Federal Supplemental Educational Opportunity Grant (FSEOG) is a grant to help pay for education after high school. It is for undergraduates only and it does not have to be paid back. Awards range up to $4,000, depending on need, the availability of FSEOG funds, and the amount of other aid the student is receiving.

Veterans Educational Assistance

CUW in Mequon is approved as an educational institution at which students may receive veterans' benefits. Prospective students who have been in the Armed Forces should check with their local V.A. office for more complete details. They must file for benefits in Milwaukee if they have made no prior claims. If a claim file has already been established, they should file with that particular V.A. office.

Loans

Federal Direct Subsidized Loan - This federal loan may be offered up to $5,500 per year depending on financial need and grade level. A subsidized loan does not accrue interest until repayment which begins six months after separation from the University or when a student is enrolled less than half-time (six credits per term).

Federal Direct Unsubsidized Loan - This federal loan is an additional loan for educational expenses of up to $7,000 per year depending on eligibility and grade level. Interest begins when the loan is disbursed. Payments may be deferred while the student is enrolled at least half-time but interest does accrue during this time. Repayment with interest begins six months after separation from the University or when enrollment drops to less than half-time (six credits per term).

Student Loans - In some cases it is advisable for students to borrow in order to finance their education, provided they borrow only what is needed to maintain a minimum living standard. Students should use caution in borrowing and generally should not rely primarily on loans. Students who borrow will need to complete a promissory note for a Direct Student Loan via federal website or from the Financial Aid Office. This loan program allows students to begin repayment after they graduate or after they discontinue their education. No interest accrues for the subsidized loan while the student is enrolled in school as at least a half-time student. Repayment begins six months after the student terminates his education. Interest then begins at an annual rate of 6.8% or less.

Federal PLUS Loan - A Federal PLUS loan is a program for parents. They may borrow up to the cost of education minus any other financial assistance. The interest rate on PLUS is 7.9% with repayment beginning within 60 days after second disbursement. This program operates through Concordia’s Financial Aid Office.


Payment Tips and Tools

Budget Payment Plan - Lutheran Church Extension Fund Joyful Response Program Tuition Payments may be made automatically each month, for a maximum of four payments per semester, from your LCEF Steward Account or a checking or savings account to Concordia. A Joyful Response program enrollment form must be submitted each semester. For more information contact Concordia's Financial Aid Office.

Textbook Loan Program - Concordia provides textbooks to students of some Accelerated Learning Center programs through a book loan program. Please take care of your textbooks and keep them in good condition. You may highlight in them as you study, but please do not write in them. The Office of Continuing and Distance Education provides the information on how the students order those books after they register. Textbooks must be checked out in person. Textbooks are not provided for the following programs offered at Concordia’s Accelerated Learning Centers: Nursing courses, the Teacher Certification program, the Medical Assistant certificate program and all master’s-level courses.

Renewal of Financial Aid

CUW makes every effort to continue assistance to a student through his or her years of college. Renewal is based upon the following guidelines:

  1. The financial aid application must be filed with the Office of Financial Aid by March 30. Late applications will be accepted and funded according to the availability of Concordia funds.
  2. Free Application for Federal Student Aid (FAFSA) are encouraged to be filed between January 1 and April 1 in order to assure a timely application.
  3. Renewal of scholarships, grants, campus employment, and loans depends upon Financial Aid, and the availability of funds and renewal criterion, including FAFSA results.
  4. Any award or any portion thereof may be either declined by a student or revoked by Concordia if such assistance is not to the advantage of the student or the University.
  5. As funds available must be divided among all deserving students, grants, scholarships, employment, or loans may not always be renewed in their original amounts.
  6. You must be making satisfactory academic progress as defined below and maintain at least a 2.00 grade point average.

Dropped Courses and Tuition Reimbursement

Students must file an official drop form with the University before receiving a refund. Students who withdraw from classes will receive a pro-rated refund of educational fees and residence hall fees, according to the following schedule:

Graduate Reimbursement Policy

For semester-long classes:

  • Before the first class session: 100%
  • Between the first and second class sessions: 80%
  • Between the second and third class sessions: 60%
  • Between the third and fourth class sessions: 30%
  • Between the fourth and fifth class sessions: 10%
  • After the fifth class session: None

For 10-week and 8-week classes:

  • Prior to the first class session: 100%
  • Between the first and second class sessions: 67%
  • Between the second and third class sessions: 33%
  • After the third class session: None

Undergraduate Reimbursement Policy

Students who withdraw from the University, or from one or more classes, will receive a pro-rated refund of educational fees and board fees, according to the following schedule (a week runs Monday to Sunday):

  • During the first week of classes: 80%
  • During the second week of classes: 75%
  • During the third week of classes: 60%
  • During the fourth week of classes: 40%
  • During the fifth week of classes: 20%
  • After the fifth week: None