Important Consumer Information

You have the right to accept, reject, or seek adjustment to your financial aid award(s).

You have the right to know how much aid you will receive, how it is distributed, the criteria for the distribution, and when it will be disbursed to your bursar account.

You have the right to know how your financial need was determined and what resources were considered in the calculation of your financial need.

You have the right to know the University's refund policy as well as the Federal Title IV financial aid refund policy.

If you are offered a loan, you have the right to know the interest rate, the total amount to be repaid, the repayment procedures, the length of time you have to repay the loan, and when repayment begins.

You have the right to review your financial aid file and seek financial aid counseling with SFA's professional staff.

You have the right to submit to SFA a written appeal requesting reconsideration of your financial aid eligibility. If there has been a substantial loss of family income or benefits since you filed your FAFSA, you should contact SFA and request a Special Consideration Application.

You are responsible for providing documentation and information requested by SFA.

You are responsible for notifying SFA in writing if you receive aid from sources not listed on the front of your award letter, your residency status changes, or your application or other information is incorrect.

You are responsible for attending classes and completing requirements for all courses in which you enroll.

You are responsible for repayment of all loans in accordance with the terms of your promissory notes. You must notify your lender if any of the following occurs before your loan is repaid: change of address, graduation, withdrawal from the University or less than half-time attendance, name change, and transfer to another post-secondary institution.

You are responsible for maintaining satisfactory academic progress.

You are responsible for keeping copies of your financial aid records.

You are responsible for reapplying for financial aid each year.

The following links contain information to explain the financial aid process and to meet regulatory mandates.

Information on scams, suggestions for preventing identity theft, and resources on how to report identity theft involving federal education dollars:

http://www.ed.gov/misused

Available need-based and non-need based federal, state, school, local and private financial aid programs available to students:

http://www.bgsu.edu/offices/sfa

https://studentaid.ed.gov/sa/types

http://regents.ohio.gov/sgs/index.php

http://www.studentaid.ed.gov/

How students apply for financial aid and how eligibility is determined:

http://www.bgsu.edu/offices/sfa/

How the school distributes financial aid among students, the rights and responsibilities of students financial receiving aid:

http://www.bgsu.edu/offices/sfa/

How and when financial aid will be disbursed:

Aid "Disbursement" to your Bursar Account:

The terms and conditions of any employment that is part of the financial aid package:

SFA Employment web page

The terms of, schedule for, and the necessity of student loan repayment and required loan exit counseling:

http://www.bgsu.edu/offices/sfa/

http://www.studentloans.gov

The criteria for measuring satisfactory academic progress, and how a student who has failed to maintain satisfactory progress may reestablish eligibility for federal financial aid:

Satisfactory Academic Progress

Information on preventing drug and alcohol abuse:

http://www.bgsu.edu/offices/sa/health/

http://www.bgsu.edu/counseling-center.html

Information regarding the availability of SFA program funds for study abroad programs.

The terms and conditions under which students receiving federal education loans may obtain deferments while serving (a)in the Peace Corps; (b) under the Domestic Volunteer Service Act; and can demonstrate effectiveness in the field of community service:

https://studentaid.ed.gov/sa/repay-loans/deferment-forbearance

The Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA), includes many disclosure and reporting requirements. A disclosure requirement is information that an institution of higher education is required to distribute or make available to another party, such as students or employees. A reporting requirement is information submitted to the U.S. Department of Education or other governmental agencies. Disclosure and reporting requirements sometimes overlap. For certain topics, institutions are required to make information available to students or others and to submit information to the Department of Education.

BGSU is committed to providing access to information that will allow consumers such as students, parents, counselors, researchers, and legislators to make informed decisions about postsecondary education.

Institutions of higher education must annually provide to all enrolled students a notice setting forth the information required to be made available to students under the Higher Education Act of 1965 (HEA), as amended by the Higher Education Opportunity Act of 2008 (HEOA). The notice must list and briefly describe the information and include a statement of the procedures required to obtain the information. For information listed in the notice that is disclosed on an institution's website, the notice must include the exact electronic address and a statement that the institution will provide a paper copy upon request. This information is posted on BGSU's website via the links set forth below.

Each institution must make available to prospective and enrolled students information regarding how and where to contact individuals designated to assist enrolled or prospective students in obtaining financial aid information required to be disclosed under HEA Sec. 485(a). This information is posted on BGSU's website.

Student Financial Aid
231 Administration Building
Bowling Green State University
Bowling Green, Ohio 43403-0114
Phone: (419) 372-2651
Fax: (419) 372-0404

The U.S. Department of Education is required to post 26 items on the College Navigator website for each institution of higher education, including a link to each institution's website that provides the following information:

• student activities offered by the institution
• services offered by the institution for individuals with disabilities
• career and placement services offered to students during and after enrollment
• policies of the institution related to transfer of credit from other institutions

The Department of Education's posting for BGSU may be accessed at:
http://nces.ed.gov/collegenavigator/?q=bowling+green+state+university&s=all&id=201441 and
http://nces.ed.gov/collegenavigator/

Information regarding the cost of attendance at BGSU, including tuition and fees, books and supplies, room and board, transportation costs may be accessed at:
http://sfa.bgsu.edu/coa/

BGSU's net price calculator allows prospective students to calculate an estimated net price of attendance utilizing the following basic formula: price of attendance minus grant aid. The estimates generated by the net price calculator do not represent a final determination, or actual award, of financial assistance or a final net price. The estimates are based only on price of attendance and financial aid provided to students in a given year; the estimates are not binding. BGSU's net price calculators for both the Main and Firelands campus may be accessed at:
http://sfa.bgsu.edu/net-price-calculator/main/npc-estimator.html (Main Campus)
http://sfa.bgsu.edu/net-price-calculator/firelands/npc-estimator.html (Firelands Campus)

BGSU makes available to prospective and enrolled students information about:

• all need-based and non-need-based federal, state, local, private, and institutional student financial assistance programs available to students who enroll at BGSU
• terms and conditions of Title IV, HEA loans
• criteria for selecting recipients and for determining amount of award
• eligibility requirements and procedures for applying for aid
• methods and frequency of disbursement of aid
• rights and responsibilities of students receiving Title IV, HEA student financial aid, including criteria for continued student eligibility and standards for satisfactory academic progress
• terms of any loan received as part of financial aid package, sample loan repayment schedule, and the necessity for repaying loans
• a statement that enrollment in a program of study abroad approved for credit by the home institution may be considered enrollment in the home institution for purposes of applying for federal student financial aid
• general conditions and terms applicable to employment provided as part of financial aid package
• exit counseling information the institution provides and collects

This information may be accessed on the student financial aid page.

More information about criteria for selecting recipients for and determining amounts of awards can be found on the financial aid process page.

Additional information about financial aid awarding can be found in the What Will It Cost To Attend BGSU? brochure

Students are notified of additional requirements affecting their aid eligibility through the To-Do List found in their MyBGSU web portal.

For information regarding BGSU's Satisfactory Academic Progress Policy.

Additional information about applying for and receiving federal student aid may be found on the Department of Education's website:

http://www.studentaid.ed.gov/

http://www.studentaid.ed.gov/resources

Other information may be included in the Department of Education’s Federal Student Aid Handbook:

http://ifap.ed.gov/ifap/byAwardYear.jsp?type=fsahandbook&awardyear=2012-2013

If you are unable to locate the information you need from the links set forth above, BGSU Financial Aid Counselors may be contacted directly at:

Student Financial Aid

231 Administration Building

Bowling Green State University

Bowling Green, Ohio 43403-0114

Phone: (419) 372-2651

BGSU provides information published by the Department of Education to students at any time that information regarding loan availability is provided, including information about rights and responsibilities of students and institutions under Title IV, HEA loan programs. (See also "Exit Counseling for Student Loan Borrowers", below)

Information published by the Department of Education about rights and responsibilities of students and institutions under Title IV, HEA loan programs may be accessed at:
http://www.studentaid.ed.gov/repay-loans

Students and parents of students are advised that if they enter into a Title IV, HEA loan, the loan data will be submitted to the National Student Loan Data System (NSLDS), and will be accessible by guaranty agencies, lenders, and institutions determined to be authorized users of the data system. The NSLDS Privacy Impact Assessment may be accessed at:
http://www.nslds.ed.gov/nslds_SA/SaFaqDetail.do?faqpage=faq7

Additional information regarding the National Student Loan Data System may be accessed at:
http://www.nslds.ed.gov/nslds_SA/

• Prior to first disbursement, BGSU provides to each first-time Federal Direct Loan borrower (other than borrowers of consolidated or Parent PLUS loans) access to information regarding the terms and conditions of the loan and of the borrower's responsibilities, including:
• the effect of the loan on the eligibility of the borrower for other forms of aid
• an explanation of the use of the Master Promissory Note
• the seriousness and importance of the student's repayment obligation
• information on the accrual and capitalization of interest
• borrowers of unsubsidized loans have the option of paying interest while in school
• definition of half-time enrollment and the consequences of not maintaining half-time enrollment
• importance of contacting appropriate offices if student withdraws prior to completion of program of study
• sample monthly repayment amounts
• obligation of the borrower to repay the full amount of the loan regardless of whether the borrower completes program or completes within regular time for completion, is unable to obtain employment upon completion, or is otherwise dissatisfied with or does not receive the education or other services the borrower purchased from the school
• the consequences of default
• information about the National Student Loan Database (NSLD) to access borrower's records
• name and contact information for individual the borrower may contact with questions about the borrower's rights and responsibilities or the terms and conditions of the loan

Information regarding entrance counseling may be accessed at:
Entrance Counseling and Master Promissory Note
Student Federal Aid Website

BGSU provides counseling to borrowers of loans under the Federal Direct Loan, or Perkins Loan programs (other than consolidated or Parent PLUS loans) when the student borrower ceases at least half-time study at the institution. The counseling provides information on:

• average anticipated monthly repayment amount
• repayment plan options
• options to prepay or pay on shorter schedule
• debt management strategies
• use of Master Promissory Note
• the seriousness and importance of student's repayment obligation
• terms and conditions for forgiveness or cancellation
• copy of information provided by the Department of Education (see "Student Loan Information Published by Dept of Education")
• terms and conditions for deferment or forbearance
• consequences of default
• options and consequences of loan consolidation
• terms and conditions of deferments for service in the Peace Corps, service under the Domestic Volunteer Service Act of 1973, and comparable volunteer service for tax-exempt organizations of demonstrated effectiveness in the field of community service
• tax benefits available to borrowers
• the obligation of the borrower to repay the full amount of the loan regardless of whether the borrower completes program or completes within regular time for completion, is unable to obtain employment upon completion, or is otherwise dissatisfied with or did not receive the educational or other services the borrower purchased from the institution
• availability of the Student Loan Ombudsman's office]
• information about the NSLDS. The Department of Education is required to provide a disclosure form for students and prospective students about the NSLDS (HEOA Sec. 489(3), HEA Sec. 485B)

Information regarding exit counseling may be accessed at:

Exit Counseling

Exit Counsel Guide

Student Federal Aid Website

Information about private education loans at BGSU can be found in Financial Aid

BGSU's Code of Conduct regarding private education loans may be accessed at online.

Under the Higher Education Act, a student may become ineligible for federal student aid upon conviction of any offense involving the possession or sale of illegal drugs while receiving Title IV federal financial aid. Federal aid includes Federal Pell Grants, Federal Supplemental Opportunity Grants, Federal Direct Student Loans, Federal Direct PLUS loans, Federal Perkins Loans and Federal Work Study.

Financial Aid Penalties for Drug Convictions:

Possession of Illegal Drugs:

• First Offense: Loss of aid eligibility for 1 year from the date of the conviction
• Second Offense: Loss of aid eligibility for 2 years from the date of conviction
• Third and Subsequent Offenses: Indefinite ineligibility from the date of conviction

Sale of Illegal Drugs:

• First Offense: Loss of aid eligibility for 2 years from the date of conviction
• Second and Subsequent Offenses: Indefinite ineligibility from the date of conviction

How to Regain Eligibility for Federal Financial Aid after a Drug Conviction:

There is a way that you can regain eligibility for the federal programs. You must successfully complete an acceptable drug rehabilitation program that meets the standards set by Congress and the Department of Education. You will regain eligibility on the date you complete the program or the day after the period of ineligibility ends. Submit documents to verify your successful completion of an acceptable drug rehabilitation program to the Office of Student Financial Aid.

What is an Acceptable Drug Rehabilitation Program?

An acceptable drug rehabilitation program must require passing TWO unannounced drug tests AND it must either:

1. Be qualified to receive funds from a federal, state or local government agency or program, or from a state or federally licensed insurance company, or
2. Be administered or recognized by a federal, state or local government agency or court, or by a state or federally licensed hospital, health clinic or medical doctor.