APP Undergraduate Financial Aid

Students must be accepted into an undergraduate program at NNU and after January 1st have submitted the Free Application for Student Aid (FAFSA) to receive federal assistance. Continuing students must complete the FAFSA each year in order to continue to receive federal financial aid. NNU's Federal School Code is 001624.

Students may be eligible for certain educational loans and a limited number of grant programs. APP students are not eligible for church matching grants. For specific information on available aid, consult the Office of Financial Aid at 208-467-8638, 1-877-NNU-4YOU (1-877-668-4968) or

Payment of Financial Aid

Financial aid awards from all programs will be posted to student accounts to pay tuition and fees after eligibility and enrollment requirements have been met. Students receive one-third of the year's total award each semester (fall/spring/summer), or it is disbursed equally between the semesters in which the student is enrolled. If a student is only enrolled for one semester, other regulations may apply.

Requirements for Financial Aid

To receive any financial assistance, students must meet the following requirements:

  • Be admitted to NNU as a degree-seeking student.
  • Be a U.S. citizen or an eligible non-citizen.
  • Be enrolled for 6 or more credits for most federal programs.  Audited courses, some repeated courses, and credit by examination credits cannot be counted.
  • Demonstrate satisfactory academic progress toward a degree according to NNU policy. 
  • Have a valid social security number.
  • Register with Selective Service, if required to do so.
  • Not be in default on any federal student loans, nor have borrowed in excess of loan limits, nor owe a refund on any grant under Title IV Federal Student Aid programs.
  • Not be ineligible based on a drug conviction occurring while receiving financial aid.

If you do not have a high school diploma or GED, you cannot be considered for financial aid.


A student cannot receive aid in excess of the maximum annual cost of attendance set by the Office of Financial Aid. In certain cases where the maximum cost of attendance is exceeded, the Office of Financial Aid will reduce aid until the total aid amount is equal to or below the cost of attendance.

Federal Grants

The United States Government, through the Department of Education, has made funds available for several federal grant programs. 

Federal Pell Grant: The award amount for the Federal Pell Grant is determined annually by the federal government. Eligibility is determined by completing the Free Application for Federal Student Aid (FAFSA) online at Once submitted, a Student Aid Report (SAR) is created, which indicates the student's eligibility for this grant.

Federal Supplemental Educational Opportunity Grant (FSEOG):  FSEOG awards are funds made available on a limited basis and allocated to students with the lowest Expected Family Contribution (EFC) who also qualify for a Pell Grant. The Federal Pell Grant is solely determined by the EFC on the FAFSA and the federal government's Pell amounts.

Federal Loans

These loans are low-interest, fixed rate federal loans borrowed through the federal government.

Federal Direct Subsidized Loan:   A subsidized loan is one that the government pays the interest while the student is in school, in a grace period, or in deferment. Payments of principal and interest may be deferred while enrolled at least half-time as a degree-seeking student. Repayment begins six months after graduation or discontinuance of at least half-time, degree-seeking enrollment.  A student must complete the FAFSA and demonstrate need to be considered for a subsidized loan. First-time borrowers must additionally complete a Master Promissory Note (MPN) and Entrance Counseling to better understand repayment and options.

Federal Direct Unsubsidized Loan:  Students who do not qualify or only qualify for part of the subsidized loan based on need are eligible for an unsubsidized loan. An unsubsidized loan is one that the government does not pay the interest on the loan while the student is in school, in a grace period, or in deferment. Payments of principal and interest may be deferred while enrolled at least half-time as a degree-seeking student. Repayment begins six months after graduation or discontinuance of at least half-time, degree-seeking enrollment. A student must complete the FAFSA to be considered for an unsubsidized loan. First-time borrowers must additionally complete a Master Promissory Note (MPN) and Entrance Counseling to better understand repayment and options.

Part-Time Employment

On-Campus Employment:  All NNU students are eligible to apply for part-time work on campus. A variety of on-campus departments hire students, such as Facilities, Learning Commons, Bookstore, and others. All students are encouraged to apply for positions of interest by following the directions listed in each job posting located on the Career Center's website. First-time students are encouraged to work no more than 12 hours per week at any job or combination of jobs on campus.

A number of on-campus positions are funded in part by Federal College Work-Study program funds. The work study award at the time of application does not guarantee a job, it simply indicates a student's eligibility for funding. Work study eligibility is determined by the Office of Financial Aid personnel upon review of the student's FAFSA information, cost of attendance, and other aid awarded, and is communicated to the student in an award letter. 

America Reads: The America Reads program makes funds available to institutions of higher education in order to pay university students to tutor elementary students in reading. NNU works with several schools in the community assisting with their reading programs. The student must be eligible for Federal College Work-Study funds to participate in this program. Eligibility is determined by the Office of Financial Aid personnel upon review of the student's FAFSA information, cost of attendance, and other aid awarded, and is communicated to the student in an award letter. NNU pays the student on a monthly basis.

Part-time Off-Campus Employment: Numerous students secure their own arrangements for part-time off-campus employment in the local community. Students are encouraged to review postings located on the Career Center's website to identify part-time off-campus opportunities. 

Students' Rights and Responsibilities

As recipients of federal student aid, students have certain rights and responsibilities. NNU believes that knowing these rights and responsibilities will put students in a better decision-making position to achieve their educational goals.

Student Rights

All students have the right to know:

  1. The cost of attending a particular school and what the school's policy is on refunds to students who withdraw.
  2. What financial assistance is available including information on all federal and state financial aid programs.
  3. The school's financial aid personnel, where their office is located, and how to contact them for information.
  4. The procedure and deadlines for submitting applications for each available financial aid program.
  5. How the school selects financial aid recipients.
  6. How the school determines financial need.
  7. How much of their financial need, as determined by the school, has been met.
  8. How and when financial aid will be received.
  9. The interest rate on federal student loans, the total amount that must be repaid, length of the re-payment period, when the payment begins, and what cancellation or deferment provisions apply.
  10. If students are offered a Federal College Work-Study job, what kind of job it is, what hours they must work, what their duties will be, what the rate of pay will be, and how and when they will be paid.
  11. The school's policy in reconsidering a student's aid package if he or she believes a mistake has been made, or if his or her enrollment or financial circumstances have changed.
  12. How the school determines whether students are making satisfactory academic progress and what happens if they are not.

Student Responsibilities

All students must:

  1. Pay special attention to the Free Application for Federal Student Aid (FAFSA), complete it accurately, and submit it on time to the processor. Errors may delay or prevent a student from receiving aid.
  2. Know and comply with all deadlines for applying or re-applying for aid.
  3. Provide all documentation, corrections, and/or new information requested by the Office of Financial Aid.
  4. Notify the University of any information that has changed since applying for financial aid.
  5. Read, understand, and keep copies of signed documents.
  6. Repay any student loans. When a promissory note is signed, it is an agreement to repay the loan.
  7. Complete Entrance Counseling (incoming students) and Exit Counseling (outgoing students) online if the student has a Federal Perkins Loan or Federal Direct Student Loan.
  8. Notify the University of a change in name, address, or attendance status. If a student has a Federal Direct Student Loan, he or she must notify the loan service provider of these changes.
  9. Satisfactorily perform the work agreed upon in a Federal College Work-Study job.

Withdrawing From Courses

If a student withdraws from all courses during a semester, regardless of the reason, federal regulations require Northwest Nazarene University (NNU) to determine the amount of Title IV Federal aid the student has earned. The Title IV aid programs that are covered by this law are: Federal Pell Grants, Direct Loans (both subsidized and unsubsidized), Direct PLUS Loans, Federal Supplemental Educational Opportunity Grants (FSEOGs), Federal Perkins Loans, TEACH Grants, and Iraq and Afghanistan Service Grants.

Though a student’s aid is posted to their account at the start of each period, funds are earned as the student completes the period. If a student withdraws during their expected term of enrollment the amount of Title IV aid that the student has earned up to that point is determined by a specific formula. If the student received more assistance than has been earned at the time of withdrawal, the excess funds must be returned by the school and/or by the student to the federal government. This is referred to as a Return to Title IV (R2T4).

Federal regulations require a recalculation of financial aid eligibility if a student:

  • officially withdraws from all courses for the semester;
  • stops attending before the semester ends without officially withdrawing;
  • fails all classes and/or;
  • does not complete all the sessions for which they were originally registered for in a period of enrollment.
Students who do not begin attendance in classes are not eligible for federal financial aid and must repay any federal assistance originally received.

The R2T4 calculation may result in the student and/or parents being responsible for directly returning additional loan amounts to the U.S. Department of Education.

Any amount of unearned grant funds that must be returned is called an overpayment. The maximum amount of a grant overpayment that must be repaid is half of the grant funds received or that were scheduled to be received. Grant overpayments of $50 or less do not need to be repaid. Arrangements can be made through NNU or the U.S. Department of Education to return the unearned grant funds.

Determining the Amount of Federal Aid Earned
Students earn the Title IV Federal aid they originally received by remaining enrolled in and participating in all classes for which they are registered.  Participation may be through physical attendance or active participation such as submission of homework or participation in course discussions for online courses.

The amount of federal aid that has been earned is determined on a pro rata basis. For example, if 30% of the period of enrollment has been completed prior to withdrawal, the student has earned 30% of his or her aid, but has not earned the remaining 70%.  Return of Title IV funds are based on this 70% unearned percentage.

Once a student has attended 60% of the semester for which he or she is registered, the student is considered to have earned all of the financial aid originally awarded and will not be required to return any funds.

If the student received (or the student’s parent received on their behalf) excess Title IV program funds that must be returned, NNU must return an amount equal to the lesser of:

  • the student’s institutional charges multiplied by the unearned percentage, or
  • the student's Title IV program assistance multiplied by the unearned percentage.

Post-Withdrawal Disbursement of Title IV Funds
If a student does not receive all of the funds earned, the student may be due a post-withdrawal disbursement. Prior to disbursal of a post-withdrawal disbursement, the student must provide NNU with permission to do so. The student may choose to decline some or all of the loan funds so that no additional debt is incurred.

NNU is entitled to use all or a portion of the student’s post-withdrawal disbursement of grant funds for tuition, fees, and room and board charges.  NNU must be provided with permission from the student to use the post-withdrawal grant disbursement for all other school charges. If the student does not give NNU the requisite permission, the student will be offered the funds; however, this will result in a balance due to NNU.

For Students Enrolled in Modules
A student is considered withdrawn if the student does not complete all of the days in each session that the student was originally scheduled to complete.   NNU tracks enrollment in each session that does not span the entire fall, spring, or summer semester and combines the sessions to determine the students' expected period of enrollment.

NNU determines if a student enrolled in a series of modules is a withdrawal and subject to recalculation of federal financial aid eligibility based on the following questions:

  • After beginning attendance in the period of enrollment did the student cease to attend or fail to begin attendance in a course he or she was scheduled to attend?  If the answer is no, this is not a withdrawal. 
If the answer is yes, then:
  • Was the student still attending any other courses when the student ceased to attend or failed to begin attendance in a course? If the answer is yes, this is not a withdrawal.
If the answer is no, then:
  • After ceasing to attend or failing to being attendance in a course did the student confirm with NNU that they will be attending a course in a session beginning later in the enrollment period? If the answer is yes, this is not a withdrawal.

If the answer is no, this is a withdrawal and the R2T4 calculation will be performed.

Refund for Students Who Withdraw From Courses

Students who withdraw from NNU prior to a course start date will receive a 100% refund of tuition and fees charged for that course.  Students who withdraw after a course begins shall receive a prorated refund of tuition and fees for the first 60% of the course.  The withdrawal date is defined as the earlier of: (1) the date that the student began the withdrawal process or officially notified NNU of intent to withdraw, or (2) the last day of documented "academic-related activity" for those students who leave school without notifying an appropriate NNU official. The official date of withdrawal is determined by the Office of the Registrar.

Refund Distribution

Federal student financial aid is awarded under the assumption that the student will be enrolled for a specified period of time, such as a semester. Therefore, any time a student withdraws from any course at NNU and does not certify his or her intent to return in another session before the end of the semester, NNU must evaluate the student's federal aid and determine if an adjustment is required.

When a refund to federal programs is required, the refund distribution will be as follows:

  1. Unsubsidized Federal Direct Loan
  2. Subsidized Federal Direct Loan
  3. Federal Perkins Loan
  4. Other Title IV aid programs
  5. Other Federal Sources of Aid
  6. Other State, Private or Institutional Aid
  7. Other Third Party
  8. The Student

Refunds to NNU's institutional aid programs are based on the tuition and fees withdrawal rate; e.g., if one-half tuition and fees are refunded, one-half of any institutional aid will be refunded to institutional programs.

Statement of Charges

NNU's Business Office makes statements available on the NNU Portal prior to the beginning of each semester.  The Student Account link will indicate the amount of financial aid awarded and the invoice for each semester's estimated charges and credits, and is the statement from which the balance due is determined. 

Changes in a student's course load may result in an increase or decrease in financial aid.  When adding or dropping classes, a student should contact his or her Financial Aid Officer to determine if any of his or her financial aid will be affected.  

Lenders may deduct a processing fee from the students Direct Student loans or Direct Plus loans.  Questions concerning financial aid should be directed to (208) 467-8638, 1-877-668-4968, or

It is the student's responsibility to ensure that information regarding payment of amounts due is communicated to the organization that will be paying the account.

Fees and Other Charges for Past Due Accounts

Failure to pay student's account by the due date will result in a late fee of $75. Accounts 45 days past due will also be assessed a finance charge at the rate of 1.25% monthly (15% annually). 

When a student is no longer enrolled at NNU and a balance remains on their account, the student is responsible for paying the University's cost of collection. This includes, but is not limited to, collection agency fees not to exceed 40% of the debt and may also include court and/or attorney fees.