Tuition and Fees

This Catalog section contains information on costs and how to take advantage of payment options and financial assistance through the Student Financial Services Office. Students and parents are urged to read the following pages with care. Students are responsible for being aware of, and complying with, the information in this section.

Tuition
General Fees
Special Fees (Non Refundable)
Summer Graduation Fee (Refundable)
Music Fees
Residence Fees
Approximate Annual Costs (New and Readmitted Students)
Payment Information
Refund Policies
Miscellaneous Financial Regulations

Tuition

TUITION BLOCK (12-17 semester units)	$13,850
Less than 12 units (per unit)	$1,155
Units in excess of 17 units (per unit)	$925
2012 SUMMER SESSIONS TUITION (per unit)	$875

General Fees 

General fee (per semester) (Refundable)

$300

This fee assists in covering the cost of student activities, Nicholson Commons operations, and university technology development. (Undergraduate students taking less than 12 units in a semester are charged $25.00 per unit.)

University Deposit (at application)

$425

Health and Accident Insurance (Non-Refundable after fourth week of each semester)

Health and Accident Insurance is required of all undergraduate students. The fee for the PLNU student insurance plan is charged automatically each semester, but may be waived provided the student completes the on-line insurance waiver process (via the Student Access page on the Web) not later than the fourth week of each semester. The fee for 2010-2011 is $356 per semester. Students wishing to obtain coverage for their dependents may obtain insurance by applying in the Wellness Center during the first four weeks of the semester.

Special Fees (Non-Refundable)

Laboratory and course fees	$30 to 200
Writing tutorial laboratory fee	$150
Student teaching fee (per unit)	$75
Late payment fee: 5% of payment due, minimum charge	$25
Special examination fee	$15 to 30
Graduation fee	$100
Educational placement file fee	$50
Undergraduate matriculation fee	$50
Student Green Fund	$5

Summer Graduation Fee (Refundable Prior to October 1)

Application for Summer Graduation                                       $500 

Music Fees (Refundable)

Students enrolled in private music lessons are charged the following fees in addition to tuition charges. Students receive 15 lessons per semester.

Private Lessons
One half-hour lesson per week (one unit)	$370
One hour lesson per week (two units)	$740
Practice Rooms Students enrolled in private or class lessons (vocal or instrumental) are charged for the use of a practice room in Cooper Music Center.
Practice room per semester
One half-hour a day	$25
One hour a day	$50

Residence Fees

Room and Board (per semester) 

ROOM AND:	SHARED ROOM	PRIVATE ROOM*
19 meals/week + $50 Dining Dollars	$4,600	$5,915
15 meals/week + $50 Dining Dollars	$4,400	$5,715
10 meals/week + $50 Dining Dollars	$4,075	$5,390
15 meals/week + $200 Dining Dollars	$4,550	$5,915
12 meals/week + $150 Dining Dollars	$4,400	$5,715
8 meals/week + $150 Dining Dollars	$3,950	$5,265
* when available

Students desiring to live in residential housing must pay a $200 deposit in order to reserve a room. This deposit may be refunded (after a 30-day waiting period) if they notify the university at least 60 days before the start of the semester that they are withdrawing or moving off-campus. There is also a $12 charge per semester residence hall fund. A limited number of apartments for married students is also available on campus. Students may contact the Office of Student Development for additional information.

All unmarried students living in residential housing who are under 23 years of age are required to board at the Nicholson Commons Dining Room under one of the meal plans listed above. Students who do not formally choose a meal plan are charged for the 15 meals/week + $50 Dining Dollars plan. Students are permitted to change meal plans during the first two weeks of the semester only. The Nicholson Dining Room is closed during the interim period between the fall and spring semesters and during Spring Break.

Approximate Annual Costs (New and Readmitted Students)

	SHARED ROOM	TWO SEMESTERS/ 1 Year
Tuition (12-17 units)	$13,850	$27,700
Room and Board †	4,400	8,800
General Fee	300	600
Total Approximate Costs	$18,550	$37,100
† Shared room, 15 meals/week + $50 Dining Dollars

Note: These figures do not include costs for books, supplies, health insurance, special fees, or personal expenses.

Payment Information

Tuition, room, board, and fees are due and payable by the deadlines shown below. For the convenience of students and parents wishing to pay expenses in installments, a monthly payment plan is offered. (See option 2 below.)

A Statement of Account, which contains the class schedule as well as the semester charges and financial aid, is sent to all students prior to the payment deadline each semester. The Statement of Account also serves as the invoice from which payment should be made. In addition, an electronic billing statement showing all activity on the student's account will be available on-line on the student and parent portals throughout the academic year. Payment options and deadlines are:

Option 1: Full payment of the Net Balance (total charges minus financial aid) by the following dates:

Fall 2011 semester - August 1, 2011

Spring 2012 semester - January 3, 2012

Option 2: the Net Balance in monthly payments.
For one or both semesters using the Monthly Pay Option administered by Tuition Management Systems (TMS). This interest-free alternative to lump-sum payments allows families to establish a semester and an annual budget amount to make payments in monthly installments. For more information, or to enroll, students should call TMS at (800) 722-4867, or visit their website at www.afford.com.

Option 3: the Net Balance with a PLUS Loan.
The PLUS Loan is a low-interest federal loan for parents. Parents who wish to apply do not have to demonstrate financial need but must meet certain credit criteria. PLUS loans are repayable over a ten-year period and have an interest rate of 7.9 percent. To apply for a PLUS loan, parents should complete an on-line loan application at www.studentloans.gov.

Option 4: the net balance with an alternative loan.
An alternative loan is based on the student’s credit, and the interest rates vary. Students may apply for an alternative loan at www.elmselect.com.

Option 5: combination plan.
A combination of options 2 and 3 allows families to budget as much as possible from current income and savings, using the Monthly Pay Option, then borrow any remaining balance using the PLUS loan.

All charges must be paid each semester according to the established deadlines. Failure to make timely payment or to make other arrangements acceptable to the Student Financial Services Office may result in students being de-enrolled. Students are not permitted to register if they have a past-due balance.

Refund Policies

Fees
Non-refundable (see above for exceptions)

Residence Hall Fees
Refundable according to the tuition refund schedule except for the first two weeks of the semester during which there is a charge of $23 per night. The housing deposit may be refunded (after a 30-day waiting period) to students who withdraw after the eighth week of the semester, provided all accounts have been paid in full.

Meals
Prorated as of the date the withdrawal is received in the Office of Records.

Tuition
Refunds are computed during regular semesters at the following percentages upon filing a properly executed change of schedule or withdrawal with the Office of Records.

First Two Weeks of Semester	100%
Third Week	75%
Fourth Week	50%
Fifth through Eighth Week	25%

Students are not entitled to any tuition refund after the end of the business day on Friday of the eighth week of a regular semester. Specific refund dates are published in the Alert (the university's student newsletter). Students receiving federal financial aid who withdraw during the first ten weeks of the semester lose eligibility for all or part of their loans and grants, in accordance with federal regulations. For additional information, students should contact the Student Financial Services Office.

Miscellaneous Financial Regulations

Students are responsible for handling all financial matters related to their attendance at the university. FERPA, the federal “Privacy Act,” prohibits sending statements to parents or guardians of students 18 years of age or older without written permission of the student.

Students are charged for the full semester for all courses or private lessons for which they are registered, unless a “Change of Schedule” form is secured from the Office of Records, completed with proper signatures, and filed with the Office of Records. Any refunds or adjustments of student accounts arising from changes in class schedules are made as of the date on which the change of schedule form is filed at the Office of Records. Changes in arrangements for meals are made when requests or arrangements are completed at the Student Financial Services Office (this is true regardless of the date on which the student may have ceased attending classes or taking private lessons, or may have changed plans for meals).

At the time a student leaves the university, all accounts must be paid in full. The housing deposit and refunds, if any, will be applied to any charges due. Any unpaid balance will accrue interest at 10 percent per annum. In addition, Point Loma Nazarene University may report unpaid accounts to a national credit bureau. The student is responsible for paying all collection costs, including attorney fees and court costs as adjudged reasonable, in the event a suit must be instituted.

Note: Transcripts and diplomas may not be released, nor will a student be permitted to participate in the annual commencement ceremony, until all accounts are paid.

Operational costs are sometimes affected by factors over which the university has no control. Therefore, the charges and financial aid policies quoted in the Catalog are subject to change without notice.

Student Insurance
Insurance is an important part of health care. All students must have insurance coverage for illness and injury. The Wellness Center recommends that all parents and students review their private insurance, talk about how to access care in San Diego County, and plan ahead for possible future needs. All undergraduate students regardless of course load or study abroad status are billed for a student insurance policy each year. With proof of health insurance, students may waive charges on a yearly basis via the student portal at https://my.pointloma.edu.

To waive or select student insurance:

1. Students login to http://my.pointloma.edu using their campus network/e-mail user name and password;
2. Click on the Students link and scroll down in the Services Overview screen;
3. Under Financial Services, click on the Update Health Insurance link;
4. Under Select Health Insurance Coverage, select PLNU School-Based Health Insurance or Private Health Insurance;
5. Click on Submit Changes to update the information.

There is a deadline for this process after which charges cannot be removed from the student's account. There is no provision for student insurance for students who enter during the summer. The student insurance plan is available for graduate students, spouses and children by application through the Business Office during the first three weeks of fall and spring semesters.