Tuition and Fees
Milligan is committed to keeping college affordable for our students. Our Adult Degree Completion Programs are priced competitively, and our Student Financial Services Office will work with you individually every step of the way to help investigate all the options available for financing your education.

Students should also anticipate book expenses, estimated at an additional $1,600 for the entire program. If you take additional courses at Milligan, you will be charged for these at the rate appropriate to that course.

Financial Aid

• Students in this program are eligible to apply for state and federal tuition assistance programs, for employer reimbursement when applicable, and any other applicable scholarship programs. See types of aid below.
   

• The Free Application for Federal Student Aid (FAFSA) is the first step in the financial aid process. Milligan College, like most colleges, uses the results of the FAFSA to administer all federal, state, and need-based institutional programs. You may apply online at www.fafsa.ed.gov. Brochures are available to assist you in requesting a PIN and completing the process online.
   

• You must apply for federal financial aid each year. All awards are based on a full-time enrollment status.
   
• It is important to use the correct year's FAFSA when applying. ADCP students beginning their programs in Fall 2008 or Spring 2009 should complete the 2008-2009 FAFSA now in order to be awarded for terms in this academic year, and the 2009-2010 FAFSA after January 1, 2009, for subsequent terms.
   
• In addition to filing the FAFSA, each student must complete a Milligan College Financial Aid Application and return it to Student Financial Services. You will be requested to complete this application each year.
   
• ADCP students may qualify for all forms of federal and state student aid (i.e. Pell Grant, FSEOG, Perkins, and Stafford Loans and the Tennessee Student Assistance Award).
   
• If your program begins in Fall or Spring, you are awarded for two semesters in your academic year. The financial aid is disbursed in two disbursements, one at the beginning of each semester.
   
• Financial aid awards are adjusted if the student drops or adds credit hours during the drop/add period.

A. SCHOLARSHIPS (do not have to be repaid)

Non-Milligan Assistance (NMA) and Outside Scholarships
These are scholarships awarded to the student by an outside source. These scholarships are credited directly to the student's account. Receipt of any outside scholarship may reduce the total award package per federal regulations. You are required to report outside scholarship awards to Student Financial Services. Report the annual amount of the scholarship on your award letter. If you are searching for private scholarships, be sure to use a reputable source (you should never have to pay for scholarship information — beware of scams). Reputable sources we recommend include www.fastweb.com, www.ecampustours.com, and www.offtocollege.info.

B. GRANTS (based on financial need; do not have to be repaid)

Federal Pell Grant
This is gift aid and does not have to be repaid. Eligibility for this award is determined by a formula consistently applied to all applicants which takes into account the cost of attending the institution and the student's part or full-time status. It is based on results of information submitted on the FAFSA. Annual awards currently range from $400 to $4,731 (subject to change, per Department of Education). One-half of your annual Federal Pell Grant award will be credited to your student account each semester. Click here for more details.

Federal SEOG Grant (Federal Supplemental Educational Opportunity Grant)
This is gift aid and does not have to be repaid. This federal aid is available to students with exceptional financial need. Priority is given to Pell Grant recipients. Grants range from $250 to $1,000 annually. One-half of your annual Federal SEOG award will be credited to your student account each semester. Click here for more details.

Tennessee Student Assistance Award (TSAA)
This is gift aid and does not require repayment. Only Pell-eligible Tennessee residents may receive this grant. If you are not a Tennessee resident, you may check with the Higher Education Agency in your state to see if your state's tuition grant can be transferred to Tennessee. TSAA Grant funds will be received by the college through electronic funds transfer (EFT) each semester, and the grant will be credited to your student account in two equal disbursements during the academic year. Click here for more details.

C. LOANS (must be repaid, with interest)

Federal Perkins Loan
Federal Perkins Loans are need-based and must be repaid. This low interest (5%) loan requires you to begin repayment 9 months after you cease half-time enrollment status. No interest or repayment is required while the student is enrolled in at least half-time enrollment status. This loan requires that Entrance Loan Counseling must be completed for all borrowers and Exit Loan Counseling for all borrowers who are graduating or not returning to Milligan. After signing a Federal Perkins Loan Master Promissory Note, one-half of your annual Federal Perkins Loan award will be credited to your student account each semester. Click here for more details.

Federal Stafford Loans: Subsidized and Unsubsidized
Federal Subsidized and Unsubsidized Stafford Loans must be repaid. The Subsidized loans are need-based and the government pays the interest while the student is in college. The Unsubsidized loan is available to all students and the interest accrues while the student is in college. These loans require Entrance Loan Counseling for all first time borrowers and Exit Loan Counseling for all borrowers who are graduating, not returning to Milligan, or have dropped below at least a half-time enrollment status. Your loan funds will be received by the college via electronic funds transfer (EFT). Stafford loans are disbursed in two equal disbursements for the academic year. You will receive a notification indicating the amount of loan that has been credited to your account and a notice giving you the opportunity to reduce and/or cancel the loan in writing within 14 days of receiving your notification. Please refer to information regarding loan terms, interest, repayment and deferments listed in another section of this booklet. Click here for more details.
 

Tuition Payment
We encourage you to arrange for your tuition payment as early as possible and to keep copies of your forms. Keep an eye on deadline dates and be sure any office you work with is advised of any changes in your address.

• Tuition, fees, and all other costs for each semester are due and payable on the due date listed on the statement. If financial aid has been awarded, you pay only the portion of the bill outstanding after deducting financial aid.
   
• Students may pay their student account balance online at www.milligan.edu/sfs using e-check, credit card or savings account information. We accept Visa, MasterCard, Discover, and American Express.
   
• If you are receiving tuition reimbursement from your employer, you must present a letter from your employer stating the company's reimbursement policy. Please have your name listed on this information. You can mail this information to the Student Financial Services Office or bring it with you to orientation. If we do not have the information at the beginning of the term, you are responsible for paying your tuition before beginning classes.
   
• Milligan College also offers a special payment plan for students who desire to pay educational expenses in monthly installments. This plan can be used to pay expenses not covered by financial aid. This is an interest-free payment plan available through Tuition Pay. You can contact Tuition Pay at 1-800-635-0120 or you can enroll online at www.tutionpay.com.
   
• Credit refunds are mailed to students weekly after the drop/add period (usually the third week of classes) of each semester to allow Student Financial Services to verify the enrollment of each student receiving financial aid and make any adjustments necessary based on enrollment status.

Questions? Contact Student Financial Services at sfs@milligan.edu or 800.447.4880.

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