AUC
Financial Aid availability

Employment
Grants
Loans
Other Aid Programs
Rebates and Discounts
Scholarships

 

Grants

Federal Pell Grants
Federal Pell Grants are awarded through a federal program which provides grant assistance directly to eligible first bachelor's degree undergraduate students. A student's eligibility for a Pell Grant is based on a congressionally approved formula which considers family financial circumstances. Pell Grants are available to full- and part-time students with proven financial needs who are making satisfactory progress towards a bachelor's degree.

Federal Supplemental Educational Opportunity Grant
This grant is awarded to students with exceptional need when funds are available from the federal government.

Atlantic Union College Need-Based Grant

This is a large college grant program where awards are calculated using nationally recognized need analysis criteria. More liberal guidelines are used than are found in the federal or state grant programs. All applicants must complete and file the 2005-2006 Free Application for Federal Student Aid (FAFSA) form. Any additional requested documentation must also be forwarded to the Financial Aid office. Funding is available to applicants who meet the eligibility criteria for federal programs; U.S. citizens, permanent residents, or another status acceptable by the Federal Department of Education. Students must meet satisfactory academic progress each semester. Eligibility is not automatic due to limited funding.

Priority funding is given to applicants who complete and mail the required forms by the following deadline: April 15 of the year of applications for Fall admission.

MASSGrant
The Massachusetts Assistance for Student Success Program (MASSGrant) is a grant assistance program funded by appropriations from the Massachusetts State Legislature in accordance with Massachusetts General Laws, Chapter 15, Section 19A. The MASSGrant program provides need-based financial assistance to undergraduate students who reside in Massachusetts and who are enrolled in pursuing a program of higher education in any approved public or independent college, university, school or nursing or any other approved institution furnishing a program of higher education. The MASSGrant provides financial assistance to Massachusetts students demonstrating the greatest financial aid need.

Commonwealth of Massachusetts Gilbert Grant
The purpose of the Gilbert Matching Scholarship (GMSGP) is to make funds available to participating Massachusetts's independent institutions of higher education and school of nursing. At least one hundred percent must be used for direct financial assistance to needy Massachusetts undergraduate students to enable such students to attend or continue to attend such institutions. Students can apply for this grant by completing a FASFA.

Commonwealth of Massachusetts Performance Bonus Grant
The Performance Bonus Grant was created to acknowledge and reward the achievement of the Commonwealth's neediest students in their pursuit of higher education. The Performance Bonus provides a financial incentive for students to perform well in college and persist toward the achievement of a post-secondary education degree or credential. Students can apply for this grant by completing a FASFA. This grant is dependent on state yearly funding.

Teaching Practicum Grant
A Teaching Practicum Grant is offered to students in the education field who are involved in a teaching practicum. This grant is offered to assist the students with their educational and living expenses as the time required to complete the practicum should reduce the number of hours a student is able to work. A grant of $900.00 for the year is available. Students apply through the Education Department.

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Scholarships

Freshman Academic Scholarships
Atlantic Union College's Freshman Academic Scholarship rewards high school and college academic achievers. Use this formula to figure your eligibility for the Freshman Academic Scholarship:

Step 1: Take your high school G.P.A. and multiply by 1,000 _________ points -OR- (4,000 points max.) Insert your four-digit G.E.D. scores

Step 2: Take your ACT test score and multiply by 50 _________ points (we will convert your SAT score to an ACT score) (1,800 points max.)

Step 3: Add the points from steps 1 and 2 _________ points

In order to receive the award, an applicant's total score must fall within the categories below. You are eligible if your points fall into the categories below:

Total Points Earned Scholarship Name Scholarship Amount

4,250 - 4,549 Honor Scholarship $1,500.00
4,550 - 4,849 Dean's Scholarship $2,500.00
4,850 - 5,800 Presidential Scholarship $3,500.00

 

Merit Scholarship
After receiving the Freshman Academic Scholarship your freshman year at A.U.C., you will be eligible for Merit Scholarship based on your cumulative G.P.A. as follows:

Cum. G.P.A.: 3.25 - 3.49 $1,500.00 year
Cum. G.P.A.: 3.50 - 3.74 $2,500.00 year
Cum. G.P.A.: 3.75 - 4.00 $3,500.00 year

Funds are limited, and awards will be made on a first come, first serve basis.
Note: An application must be completed each year to receive this scholarship. Cumulative G.P.A.'s are verified before each semester to determine eligibility.

  • To be eligible, a student must be registered full time (a least 12 credits per semester) in the regular day program.
  • Awards are granted for a maximum of 4 years.

AUC's Merit Scholarship is available to:

  1. Returning AUC students
  2. Transfer students:
    1. Scholarship eligibility is based on your the cumulative G.P.A. of at least one FULL year (2 semesters) of transferred college credits from a college located in the U.S., Bermuda or Canada.
    2. Transfer students are eligible to apply if you have previously taken no more than 48 semester hours of college credit.

Bermudian Students Scholarship
A yearly scholarship is available to Bermudian citizens who are enrolled for a minimum of 12 credit hours each semester, matriculated in a degree program, and maintain a cumulative grade point average of 2.20. Bermudian students will receive the Bermudian Scholarship of $2,500.00 per year if the student resides in the dorm or $1,000.00 if the student lives outside the dorm, a student may receive the Bermudian scholarship or merit scholarship, which ever is greater. This is renewable for 4 years (8 semesters) providing that the above criteria are met. Students must complete and submit an application to the Financial Aid office to be considered for this scholarship.

Canadian Students Scholarship
Canadian students whose primary residence and major source of income is in Canada are eligible to receive an exchange rate scholarship in the amount of $2,500.00 per year. Canadian students may also receive an International Scholarship of $2,500.00 per year if the student resides in the dorm or $1,000.00 if the student resides outside the dorm a student may receive the Canadian Student Scholarship or Merit Scholarship, whichever is greater. Students must be enrolled for a minimum of 12 credits each semester and maintain a minimum cumulative grade point average of 2.20 to be eligible. This scholarship is available for up to 4 years (8 semesters). Students must complete and submit an application to the Financial Aid office to be considered for this scholarship.

International Students Scholarship
This scholarship is available to students whose parents are not employed by the Seventh-day Adventist church and who enroll at AUC under a student visa status matriculated in a degree program. Students must be accepted as degree candidates and enroll for a minimum of 12 credits each semester. Students may receive this scholarship for a maximum of 4 years (8 semesters) and must maintain a minimum cumulative grade point average of 2.20 each semester. Students living in the dorm will receive $2,500.00 and off-campus students $1,000.00 over two semesters.

Students enrolled in the "lower level" ELI may apply for Federal Pell Grant and Federal Student Loans for 1 year (2 semesters) if they hold U.S. Citizenship or Alien cards. This award year is counted towards a student’s aggregate borrowing time and amount. Students must complete and submit an application to the Financial Aid office to be considered for this scholarship.

National Academic Recognition Award
Qualification for this award is based on high school P/SAT and SAT examination performance. Available awards include the Merit Scholarship Competition, National Achievement Scholarship Program for Outstanding Negro Students, and the National Hispanic Scholar Award Program. Amounts are awarded by AUC to National Merit Finalists and National Merit Semifinalists. Students must forward copies of their status letters received from the Merit Scholarship Corporation. Funds are limited, and awards will be made on a first come, first served basis. Awards are calculated as follows:

Student Status Award Amount
National Merit Finalist 100% tuition scholarship up to four years
National Merit Semifinalist 50% tuition scholarship up to four years

To qualify for this scholarship from year to year the student must:

  1. Enroll for a minimum of twelve credits each academic term (semester)
  2. Maintain a minimum cumulative grade point average of 3.50
  3. Present documentation to validate status

Music Performance Scholarships
Scholarships are granted each year to exceptionally talented musicians who give promise of making a substantial musical contribution to our performance organizations and to campus life at Atlantic Union College. Awards are based on the following criteria: performance skill, academic achievement, willingness to participate wholeheartedly in a campus musical activity on and off campus, and Christian commitment. These scholarships are renewable semester by semester if criteria are met.

Students must maintain a minimum cumulative grade point average of 2.20 each semester and register for a minimum of 12 credit hours per semester for renewal of their award. Award amounts are determined by the Music Department and may be received in addition to other awards. However, total resources must not exceed the grant cap limit.

Honors Performance Scholarships ranging up to $7,560.00 per year are available in a limited number. These scholarships, awarded on a highly competitive basis, are given for membership in select chamber groups. Students will also be expected to maintain a minimum cumulative grade point average of 3.30.

For further information and application forms, contact the chair of the Music Department of Atlantic Union College.

Endowed Scholarships
The following endowed scholarships are awarded in April to returning students to be applied toward expenses at Atlantic Union College the following year, except where otherwise indicated. Students must complete a scholarship application each spring. Applicant information is forwarded to the scholarship committee for eligibility verification and selection based on the donor(s) criteria. Consideration is given to students on the basis of academic achievement, leadership skills, work ethic, and departmental participation.

Art Department

  • The Mabel Bartlett Endowed Scholarship is awarded to an Art major who is taking a minimum of 12 hours and has a G.P.A. of 3.00 in his or her major subject area. This endowment is in honor of Mabel Bartlett, a long-time Professor of Art at the College.

 

Business Department

  • Blin Richards Scholarship is awarded to a student majoring in accounting who intends to take the C.P.A. examination.
  • The Carroll N. & Gertie Y. Cross Business Endowment is awarded to a meritorious student majoring in business.
  • The Ghosn Family Scholarship Fund awards scholarships to deserving sophomore or junior business administration and accounting majors who are taking at least 12 hours of credit and maintain a minimum G.P.A. of 3.00. They must manifest stability, industry and commitment, and show merit. The scholarship money is for tuition only.
  • The Oscar R. Schmidt and Lucille Schmidt Trueblood Endowed Scholarship Fund will be awarded to a returning student with a minimum G.P.A. of 3.00 in his/her major and who is outgoing, warm and friendly. This scholarship will be for Office Management (Business) majors on even years, and students employed at the library on odd years.
  • Shirley May Hutchins Memorial Endowment is awarded to a student majoring in secretarial science or a related field. The recipient must be carrying a minimum of 12 semester hours with a grade-point average of 2.00 or above. The applicant must manifest stability, industry and commitment. These attributes will be given first consideration before that of the G.P.A.
  • The Trecartin Family Scholarship is awarded on a rotating basis to Nursing, Accounting, and Theology students.

 

Education/Psychology Department

  • Atlantic Union College Adventist Worker Worthy Student Scholarship is to distribute scholarships to students who are majoring in Religion, Theology, Elementary or Secondary Education. They must have a minimum G.P.A. requirement of 2.0 and show financial need regardless of gender or ethnic background and must have indicated an intention to continue the Lord's work in the Seventh-day Adventist system after graduation.
  • The BeatriceE. & Rachael A. Ware Educational Endowment is for Elementary Education majors who take a minimum of 12 hours of college work and maintain a 2.75 G.P.A.
  • The Dorothy K. Petrie Endowment is awarded to a meritorious student majoring in elementary education.
  • The Eleanor Spoor Zumwalt Memorial Endowment will be given to a returning education major with a minimum G.P.A. of 3.00 taking 12 hours of credit who can demonstrate financial need.
  • Estelle E. Broome Von Pohle Memorial Scholarship of not less than $200.00 is awarded to applicants who demonstrate stability, industry, commitment, show merit and demonstrate financial need. The recipient must maintain a minimum G.P.A. of 2.75 while completing 12 hours of credit.
  • The Helga Nelson Esteb Memorial Endowment is for education majors with a 2.75 minimum G.P.A. who are full time students.
  • Hirt-Fay Scholarship Fund, which a recipient may only receive once, is for Seventh-day Adventist elementary education majors. Applicants must carry a minimum of 12 hours credit, have a G.P.A. of 3.00, and show promise as an elementary teacher.
  • The Gerald E. Miles Memorial Scholarship is awarded to a meritorious student majoring in education.
  • The Gilbert-Tymeson Endowment requires a commitment and dedication to elementary education. Students must be involved with the education department and their programs while maintaining a minimum 2.50 G.P.A. Applicants from New England will be given preference.
  • The John E. and Murdnal C. Baker Education Endowment is for students majoring in education taking a minimum of 12 hours credit and maintaining a G.P.A. of 3.00 or above. An award of not less than $500.00 will be awarded.
  • The Nina A. Rowell Memorial Endowment of not less than $250.00 is for elementary education majors with a G.P.A. of 3.00 carrying a minimum of 12 hours credit. Financial need must be demonstrated.

 

English Department

  • The Rochelle Philmon Kilgore Endowment is awarded to a meritorious English major in honor of Rochelle Philmon Kilgore, former Chair of the English Department.

 

English Language Institute

  • The Cynthia Rosancrans Katcher Award is granted to a student in the English Language Institute selected on the basis of outstanding achievement.

 

History Department

  • The Alf Karlman Memorial Endowment is awarded to history majors in their sophomore or junior year who have demonstrated high academic standards and have financial need. It was established by Dr. Alberto Sbacchi in honor of Alf Karlman.
  • The George Shankel Memorial Endowment is awarded to a history student who has distinguished himself/herself academically and has made a contribution to the work of the department. This endowment is in memory of George Shankel, former Professor of History.
  • The Robert L. Hess Memorial History Essay Prize Fund is awarded to a full time student with a G.P.A. of 3.75 majoring in history and who demonstrates excellence in the area of historic writing. The fund was established by Dr. Alberto Sbacchi to honor his mentor and friend.

 

Modern Language Department

  • The Arthur Esposito Memorial Endowment is awarded to a major in a modern language in memory of Arthur Esposito, former teacher of French and Chair of the Modern Language Department.

 

Music Department

  • The Archie A. Hairston Music Endowed Scholarship is for music majors with a minimum 2.50 G.P.A. who have financial need and are currently employed
  • Ethel H. Copeland Scholarship is awarded to students majoring in music taking at least 12 hours of college work and with a minimum G.P.A. of 3.00.
  • The Floyd W. Krajefska Music Endowment is awarded to a meritorious student majoring in music.
  • The Jenifa Lewis Scholarship is awarded by the donor to a music major who is outstanding in piano performance.
  • Raymond Spencer Jennings Memorial Scholarship is to be distributed to students with a minimum 2.75 G.P.A. who are majoring in Organ. The scholarship may not be used to defray housing, board, or related charges.
  • Stanley Walker Scholarship is for music students majoring in organ.
  • The Winfield Scott Cheney Music Endowed Scholarship is for a Thayer Performing Arts Center flute student. Students must maintain a minimum 2.50 G.P.A. and be working to qualify.

 

Natural Science Department

  • The Annie I. Grant Memorial Endowment is awarded to a health or medical arts major with a G.P.A. of at least 2.00. Preference will be given to applicants from Scotland or the United Kingdom.
  • The Deininger Family Endowment is for nursing and/or medical arts majors taking 12 hours of course work, maintaining a G.P.A. of at least 2.50 with financial need.
  • Harley & Hilda Rice Scholarship of at least $200.00 each will be presented to a female Seventh-day Adventist who is accepted to the seminary or medical school. The recipient may not be a Bible worker. Distribution is not based on financial need, but on character, creativity and promise.
  • The Judy Fuller Memorial Endowment is awarded to a pre-medicine major with a humanities emphasis.
  • The Lennox S. Westney Educational Endowed Scholarship is for students who are pursuing a medical science major, have a minimum 2.50 G.P.A., demonstrate financial need and are currently working.
  • The Philip S. Chen Science Endowment is for a sophomore, junior or senior majoring in Biology, Biochemistry or Chemistry who carries a 12 hour credit load and has maintained a minimum G.P.A. of 2.75.
  • The Theodore S. and Nellie T. Kimball Endowed Scholarship is awarded to four recipients with a 2.50 G.P.A. One scholarship each is for a medical science student, a female student, a student from New Hampshire and one is unrestricted.

 

Nursing Department

  • The Anna Bertha Thornton Hammond Scholarship is awarded to a Nursing student with a minimum G.P.A. of 2.00 and who demonstrates stability, industry, and commitment.
  • The Clara Arndt Nursing Administration Scholarship will be awarded to a full time nursing student entering the last year of the A.S. or B.S. program with a minimum G.P.A. of 3.00.
  • The Deininger Family Endowment is for nursing and/or medical arts majors taking 12 hours of course work, maintaining a G.P.A. of at least 2.50 with financial need.
  • The Glenda E. Davis Memorial Endowment is awarded to a high achieving student in the nursing department who displays leadership qualities. This endowment is in memory of Glenda Davis, former Assistant Professor of Nursing.
  • The Isabelle Stewart Muller Scholarship, established by Marion Stewart, is awarded to a full time nursing major with a minimum G.P.A. of 2.00. The student must manifest stability, industry and commitment. These attributes are more important than the G.P.A..
  • LARANN Nursing Endowment is for a nursing student who manifests stability, industry, commitment and shows merit. The recipient must be a returning student taking a minimum of 12 credit hours. Financial need must be demonstrated.
  • The Lois and Leroy Peters Endowed Nursing Scholarship is for nursing majors who are working and demonstrate financial need. A minimum G.P.A. of 2.50 is required.
  • The Marjorie Dodge Memorial Scholarships provides a scholarship for two students. One is a nursing student, and the other a worthy student.
  • Mary Gebhard Woods Memorial Endowment is for students that have distinguished themselves academically. Nursing majors are given preference.
  • Rita C Bicknell Ingham Memorial Nursing Endowment awards not less than $500 to a nursing student who manifests stability, industry, commitment and shows merit. This returning student must carry 12 credit hours of college work and maintain a 3.00 G.P.A.
  • The Trecartin Family Scholarship is awarded on a rotating basis to a Nursing, Accounting, and Theology student.

 

Religion/Theology Department

  • Atlantic Union College Adventist Worker Worthy Student Scholarship is to distribute scholarships to students who are majoring in Religion, Theology, Elementary or Secondary Education. They must have a minimum G.P.A. requirement of 2.0 and show financial need regardless of gender or ethnic background and must have indicated an intention to continue the Lord's work in the Seventh-day Adventist system after graduation.
  • The Clifford Milton Jennings III Memorial Endowment is awarded in memory of Clifford Milton Jennings III, a former student at Atlantic Union College, to a student majoring in theology or religion who is carrying a 12 hour credit load with a G.P.A. of not less than 2.00. The recipient must manifest stability, industry, commitment and evidence of financial need.
  • The Dr. & Mrs. Roland J. Brines Scholarships are awarded to students with a minimum G.P.A. of 2.00 who are majoring in theology or religion. Personal witnessing or involvement in missionary work is a plus. Applicants from Maine or New Hampshire are given preference.
  • Harley & Hilda Rice Scholarship of at least $200.00 each will be presented to a female Seventh-day Adventist who is accepted to the seminary or medical school. The recipient may not be a Bible worker. Distribution is not based on financial need, but on character, creativity and promise.
  • The Herman Wood Memorial Scholarship is awarded to a Theology major with a minimum G.P.A. of 2.00.
  • The Nellie Deakin Memorial Endowment is awarded to a meritorious student majoring in theology.
  • Ruth Head Melville Endowed Scholarship will be awarded to a female junior or senior theology/religion major that is working and maintains a minimum G.P.A. of 2.50.
  • The Sakae Kubo Endowment will be awarded to a theology student with a G.P.A. of at least 2.00 taking at least 12 hours credit. Recipient shall be the best Greek I student on the basis of the first semester of study. Stability, industry and commitment are more important than G.P.A.
  • The Trecartin Family Scholarship is awarded on a rotating basis to a Nursing, Accounting, and theology student.

 

Sociology/Social Work Department

  • The Dale Jones Memorial Endowment is awarded to a distinguished student in memory of Dale Jones, a former student at Atlantic Union College.
  • The Dr. Susan M. Fenton Willoughby Endowed Scholarship is awarded to a meritorious social work major that manifests stability, industry, commitment and shows merit. Applicants must carry 12 hours of college credit and maintain a minimum 2.00 G.P.A. Financial need must be demonstrated.
  • The Social Work Alumni Scholarship is awarded to social work majors who have distinguished themselves academically.

 

Other Scholarships

Unnamed and Departmental Scholarships
In addition to funded named scholarships, each department may present scholarships to meritorious majors to be applied toward expenses at Atlantic Union College the following academic year. Recipients are chosen by the Scholarship Committee based on faculty recommendations.

General Scholarships
When funded, the following scholarships are awarded in April to returning students to be applied toward expenses at Atlantic Union College the following year. Recipients are chosen by the Student Grants Scholarship Committee based on academic achievement, leadership, or other criteria specified. Details concerning these scholarships may be obtained from the Development and/or Student Financial Services office.

 

Atlantic Union College Adventist Worker

Worthy Student Scholarship

Atlantic Union College Scholarship Fund

Black Alumni Association

Carlos Chandler Memorial Scholarship

Centennial Scholarship

Class of ’87 Scholarship

Class of ’94

Constance Howard Endowed Art Scholarship

D. Leola Weithers Endowed Scholarship

David E. Counter Memorial Endowment

David E. Jarrett Nursing Scholarship

Dr. Natelkka E. Burrell Scholarship

Eddie Medina Memorial Scholarship

Eleanor May Roberts Memorial Scholarship

Emile Leffler Scholarship

Ezra L Longway Foundation

G. Eric Jones Memorial Scholarship

Gertrude M. Spleen Endowed Scholarship

GHBP Scholarship

GSF Scholarship

Haitian Scholarship

Harvey-Davies Scholarship

Herman Wood

Hispanic Scholarship

Howard Sherwin

John Norman and Doris Goldsberry Clapp

Memorial Scholarship

Kendall & Leona, Bruce & Dorothy Brown

Endowed Scholarship

Lawrence E. Smart Educational Endowment

Leonard Morris Taylor Endowed Scholarship Fund

Leon Littlefield Memorial Scholarship

Loomis-Gilloway

Lowell and Beulah Oliver-Ellis Scholarship

Marion Seitz Simmons Memorial Scholarship

Marjorie S. Dodge Memorial Scholarship

Martha B. Johnson Endowed Scholarship

Mim Tymeson Scholarship

Miriam Deh-fen Memorial Loan Fund

Native American Scholarship

Northern New England Alumni

Oscar R. Schmidt and Lucille Schmidt Trueblood

Endowed Scholarship Fund

Robert & June Kennedy Scholarship

Sheldon Nursing Scholarship

The Lam Family Scholarship

Theodore S. and Nellie Kimball Scholarship

Worthy Student of Worcester County

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OTHER AID PROGRAMS

Participation and Leadership Scholarships
Atlantic Union College offers all incoming first year college freshmen a scholarship based on your participation and leadership while attending academy or public high school. This scholarship is limited to a cap of $2500 and awarded during the freshman year only. Students must apply for this scholarship through the Financial Aid office.

CRITERIA:

  1. Student must be accepted as a good and regular student.
  2. Student must be enrolled in the traditional day program for a minimum of 12 credits each semester.
  3. Students must be incoming freshman with a high school G.P.A. of 2.20 or above.
  4. Student must make satisfactory academic progress for fall as outlined in SAP to receive the spring award.
  5. Student must complete verified and signed application form.

$1,500.00 Student Association President
$1,500.00 Senior Class President
$1,000.00 Spiritual Leadership
$850.00 School Newspaper Editor
$850.00 Year Book Editor
$1,000.00 Senior Class Officer
$500.00 Junior Class Officer
$100.00 Other Class Officers
$500.00 Community Service

$200.00 For a total of one-year participation in music performance (band or choir) school sports or varsity, Pathfinders, school sponsored mission trips.

Three-Way Scholarship
To be eligible for this scholarship, the student must apply to the Seventh-day Adventist church where he/she holds membership. It is restricted to conferences in the Atlantic Union, and the student must be enrolled for a minimum of 12 credits per semester in the regular day program. Upon approval of the student's application on the church level, the local conference matches the amount voted by the church. Together these funds are sent to the College for an additional match. Atlantic Union College will match up to $300.00 year ($150.00 per semester). A student must complete a three-way scholarship application available in the Financial Aid office. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Two-Way Scholarship
To be eligible for this scholarship, the student must apply to the church where he/she holds membership. The student must be enrolled for a minimum of 12 credits per semester in a regular day program. Upon the approval of the student's application on the church level, AUC will match up to $300.00 per year ($150.00 per semester). A student must complete a two-way scholarship application available in the Financial Aid office. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Literature Evangelist Scholarship
This scholarship is added to earnings as a student literature evangelist in a local conference. Application should be made at the Conference Publishing Department, usually during the summer months. Earnings are sent directly to the College to be applied to the student's account. A scholarship of twelve percent is added by Atlantic Union College per General Conference policy for those who qualify along with the bonus added by the local conference and Home Health Education Services. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Summer Ministries Scholarship
Application for the Summer Ministries Scholarship can be made at the Conference Youth Department and usually involves missionary projects or inner-city work during the summer months. For the amount of the scholarship, please contact your local conference. The amount will be sent directly to the College for credit to the student's account for the following academic year. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Summer Camp Scholarship
These scholarships are available to students who have been employed at a denominationally owned summer camp. Application should be made to the Conference Youth Director. Earnings are sent to the College to be applied directly to a student's account. AUC's matching scholarship is capped at $1,500. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Student Missionary Scholarship
Enrolled students, who serve from nine to twelve months as Student Missionaries or Task Force Workers in the World Mission Program and return to Atlantic Union College as full-time students, are eligible for a $1,000 scholarship. The scholarship is applied during the school year after mission duty. One-half is applied during first semester and one-half during second semester. Student must notify the financial aid office in writing of their missionary service and subsequent enrollment at AUC. Student must have a cumulative G.P.A. of 2.20 or above to receive AUC’s portion.

Note: The total of all A.U.C. funds cannot exceed 60% of tuition ($7,560 per year).

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Loans

Federal Perkins Loan
If eligible and funds are available, students can borrow up to $2,850.00 from the federal government through Atlantic Union College. Repayment and five percent interest begin nine months after a student graduates, leaves school, or drops below half-time enrollment.

Federal Nursing Student Loan
Loans are available to A.S. nursing students only with demonstrated financial need. Repayment and five percent interest begin nine months after a student graduates, leaves school, or drops below half-time enrollment, or drops from the nursing program.

Federal PLUS Loan
The Federal PLUS loans are available to parents of dependent undergraduate students who have satisfactory credit histories. The student must be enrolled at least half-time (6 credits). These loans are made by a lender such as a bank, credit union, or savings and loan association. The yearly loan limit is a student's cost of education minus any estimated financial aid for which he/she is eligible.

The PLUS loan interest rate is variable but not higher than nine percent. Variable interest rates are set each June. For more information on the interest rate, parents should contact the organization that holds their loan.

Students' parents pay an "origination fee" of up to 4.5 percent of the loan principal. This amount is deducted proportionately from each disbursement made. The lender may collect an insurance premium of up to one percent of the loan principal, which is deducted proportionately from each disbursement.

The procedure for applying is the same as for a Federal Stafford Loan. Atlantic Union College can refuse to certify a loan application, or can certify a loan for an amount less than a student's parents would be eligible for. The parents will be notified in writing, with a full explanation if such a circumstance should arise.

Federal law requires lenders to send the loan proceeds to the school in at least two payments. Payments will be sent either by electronic transfer or by check made co-payable to the school and to the parents.

Monthly principal and interest payments begin 60 days after the final loan disbursement.

Federal Stafford Loans
These are low-interest loans made to students attending school at least half-time. Loans are made by a lender such as a bank, credit union, or savings and loan association. These loans are insured by a guarantee agency and reinsured by the federal government. A borrower must repay this loan.

Students enrolled at least half-time may qualify for a "subsidized" Federal Stafford Loan, which is based on financial need. Dependent students whose parents were denied a PLUS loan and independent students who enroll at least half-time may also apply for an "unsubsidized" Federal Stafford Loan regardless of need; that is, regardless of their or their family's financial status.

Dependent undergraduate students may borrow up to:

  • $2,625.00 if they are first-year students enrolled in a program of study that is full academic year.
  • $3,500.00 if they have completed at least 24 credit hours, and the remainder of their program is a full academic year.
  • $5,500.00 a year if they have completed at least 56 credit hours and the remainder of the program is at least one academic year.

The total Stafford Loan debt that a dependent undergraduate student may accumulate is $23,000.00

Independent undergraduate students may borrow up to:

  • $6,625.00 if they are first-year students enrolled in a program of study that is a full academic year. (At least $4,000.00 of this amount must be in unsubsidized Stafford Loans.)
  • $7,500.00 if they have completed at least 24 credit hours and the remainder of the program is a full academic year. (At least $4,000.00 of this amount must be in unsubsidized Stafford Loans.)
  • $10,500.00 a year if they have completed at least 55 credit hours and the remainder of their program is at least one academic year. (At least $5,000.00 of this amount must be in unsubsidized Stafford Loans.)

The total Stafford Loan debt that an independent undergraduate student may accumulate is $46,000.00.

The amounts given are the maximum amounts that can be borrowed; however, students cannot borrow more than the cost of education at Atlantic Union College minus any other financial aid they receive.

Commonwealth of Massachusetts No Interest Loan
In 1992, the Commonwealth of Massachusetts Legislature created the No Interest Loan (NIL) Program. The NIL program is designed to provide eligible, needy Massachusetts residents attending post-secondary educational institutions in Massachusetts with a state-funded loan. Administered by the Massachusetts Office of Student Financial Assistance, the NIL program offers zero interest loans to assist in meeting educational costs. Students have a period of ten (10) years to repay their NIL loan(s). Apply by completing a FASFA. Funding is limited.

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EMPLOYMENT INFORMATION

Student Employment
Campus employment is available to most students who wish to work part-time to help meet college expenses. Students who have an unpaid balance will have 50% of campus employment earnings applied to their account unless they are participating in the Federal Work-Study program. Students assume full responsibility for payment on their accounts.

A student employment office is available to assist the student in job placement while enrolled. Some co-operative education jobs are available.

Federal Work-Study Program
Federal Work-Study funds are available to undergraduate students with demonstrated financial need. Under the Federal Work-Study program, the employer pays a small part of the student's wages, and the government pays the remainder. Most work-study positions are on campus. Students are responsible to acquire their own jobs.

Students can work part-time while they are in school. They can work full-time during the summer and other vacation periods. The basic pay rate is no less than the current minimum wage. The rate varies depending on the skill and experience needed for the job.

Students who receive Federal Work-Study earnings will receive 100% of their earnings unless they give written permission for their earnings to be applied to their student account. Further information is available from a Student Financial Services counselor.

Veterans' Benefits
Atlantic Union College is approved for the training of veterans as an accredited training institution. VA benefits may not be available for students enrolled in classes offered off the South Lancaster campus. Those who qualify for educational benefits should contact the nearest Department of Veterans' Affairs.

Veterans or other eligible persons are required to attend classes in order to be eligible for educational benefits.

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REBATES AND DISCOUNTS

Cash Rebate
All students who pay their total semester bill at the beginning of each semester will receive a 5% rebate on tuition and fees minus the financial aid they receive. A receipt verifying pre-payment must be submitted to the Student Accounts office. Any discount will be applied to the student's account at the end of each semester.

Family Discount
When students from the same immediate family are enrolled as full-time students at AUC and have the same financial sponsor, a discount on tuition is available.

  • A 5% tuition discount will be applied to the student's accounts with two students from the family enrolled
  • A 10% tuition discount is available for a family having three or more students enrolled.

To be eligible for this discount, notification must be submitted to the Student Accounts office in writing. This discount will not be given to students who receive up to 80% of their tuition paid by tuition assistance and/or scholarships.

Thirty-two Credit Hour Rule
A student may register for 32 credit hours each year at $12,600.00. If a student registers for more than 16 credits for the fall semester and less than 16 credits for the spring semester, the student will be charged an overload in the fall, but a credit will be applied in the spring.

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