Financial Aid

To receive federal assistance, students must be accepted to an undergraduate or graduate program at NNU and have submitted the Free Application for Federal Student Aid (FAFSA), which is available October 1st. 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. College of Adult and Graduate Studies 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 academic 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 (3 or more for graduate students) 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.

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. (Undergraduate students only)
  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. (Undergraduate students only)

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 semester, funds are earned as the student completes the semester. If a student withdraws during their expected term of enrollment, and has not completed more than 60% of their expected enrollment period, the amount of Title IV aid that the student has earned up to that point will be 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 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.

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

All students withdrawing from NNU must complete the "Request for Withdrawal from School" form available from the Program Coordinator of your department. All withdrawals are subject to a $100 withdrawal fee, if the withdrawal occurs after the add/drop date of the semester.

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. No refund of student fee or course fees will be allowed after the last day to drop courses for the semester. Students are not eligible for a refund of any charges after 60% of semester. 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, in writing, 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. Other Title IV aid programs
  4. Other Federal Sources of Aid
  5. Other State, Private or Institutional Aid
  6. Other Third Party
  7. 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

Course and Fee statements are available on the NNU Portal prior to the beginning of each semester. The Student tab will provide options to view financial aid awarded and to generate your Course and Fee Statement 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 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 the student's account by the due date will result in a late fee of $150. Accounts 45 days past due will also be assessed a finance charge at the rate of 1.25% monthly (15% annually). A minimum finance charge of $5 monthly will apply.
Please note: some courses have course fees. Check course schedule for details.
Withdrawal Fee: $100
Graduation Fee: $75
Late Graduation application fee: $50 (refer to the Registrar/graduation webpage for dates)
Return check charge $20

If a student fails to pay their student account bill or any monies due and owing to Northwest Nazarene University by the scheduled due date, and fails to make acceptable payment arrangements as defined by NNU to bring their account current, NNU may refer the delinquent account to a collection agency.  If NNU refers the student account balance to a third party for collection, a collection fee will be assessed and will be due in full at the time of the referral to the third party.  The collection fee will be calculated at the maximum amount permitted by applicable law, but not to exceed 40% of the amount outstanding.  For purposes of this provision, the third party may be a debt collection company or an attorney.  If a lawsuit is filed to recover an outstanding balance, the student shall also be responsible for any cost associated with the lawsuit, such as court costs or other applicable costs.  The delinquent account may be reported to one or more of the national credit bureaus. 


Payment and/or satisfactory financial arrangement of the balance due on a student's account must be completed prior to the start of the semester. In determining the balance due, financial aid awarded for the semester will be deducted from the total semester charges. A late payment fee of $150 may be assessed if payment and/or satisfactory financial arrangement has not been completed by the tuition due date. Official transcripts of student course work and/or diploma are granted only after the student's account is paid in full. Registration for the next semester and continued enrollment will be available after the prior semester's balance is paid in full or satisfactory arrangements have been made with the Business Office.

Many NNU students choose to participate in a payment plan. For information on the payment plan, please contact the Business Office. Enrollment in a payment plan is to be completed by July 20, 2019. Payment plans are available for the academic year or individual semesters.