FAQ & Hints

The JSU Office of Financial Aid contacts you regarding your financial aid through your JSU GEM Email Account and messages posted on your Active Messages page on MyJSU. Please check both systems regularly for up to date information.

Steps to apply for Financial Aid
How do I locate my MyJSU user name and password?
How do I locate my JSU GEM Email user id and password?
What can I view on MyJSU?
Steps to view your Financial Aid Status on MyJSU
Steps to view your Active Messages on MyJSU
Steps to view your Scholarships on MyJSU
Steps to Accept your award on MyJSU
Federal Student Aid FAQs
Steps to apply for Federal Direct Parent Plus Loans
Instructions for signing a Direct Loan Master Promissory Note
Instructions for completing Direct Loan Entrance Counseling
Steps to apply for a Federal Direct Graduate Plus Loan
Instructions for signing a Federal Direct Graduate Plus Loan
Information on responsible borrowing
Steps to apply for a Private/Alternative Loan
Steps to make adjustments to a loan
Steps to check the status of your loans
What do I do if I am on Financial Aid Suspension?
What happens if I withdraw or stop attending classes?
What is the JSU Return of Title IV Funds Policy?
What is a Cost of Attendance?
What is my Cost of Attendance for Summer?
What is my Cost of Attendance for Fall and Spring?
How do I view my charges on my student account?
Where can I find Payment Plan information?
Where can I find Book Voucher Information?
What if I would like to participate in Study Abroad?

What are the Steps to apply for Financial Aid at JSU?
1. Apply for a FSA ID (user name and password) for the student and the parent at studentaid.gov. 

 

2. Complete the Free Application for Federal Student Aid (FAFSA) using JSU's School code (001020) at www.fafsa.gov for the correct academic year. For additional helpful hints on completing the FAFSA, click on the FSA Youtube Channel. Example: 2017-2018 FAFSA for Fall 2017, Spring 2018 and Summer 2018; 2018-2019 FAFSA for Fall 2018, Spring 2019 and Summer 2019 

3. Once JSU receives the FAFSA, an email will be sent to your JSU GEM Outlook 365 Email explaining what you will need to do to view your status on MyJSU or you may view your status on MyJSU (see information below on how to log in and view information on MyJSU.) 

What happens next…

1. When your file is complete and eligibility has been determined, you will be offered the maximum amount of federal financial aid (including federal Pell grants and loans) for which you are eligible at the time of award. Awarding for Fall/Spring normally begins in February. Summer awards are made once registration begins. Once a student enrolls for summer, the student Financial Aid will begin processing aid.  Students may contact the Financial Aid Office for more information.

2. You will be notified via MyJSU and/or your JSU Email of an award to accept or decline your award offer on MyJSU.

How do I locate my MyJSU user name and password?
1. Go to MyJSU

How do I locate my JSU GEM Outlook Email user id and password?
1. Click GEM on jsu.edu

What can I view on MyJSU?
1. Student Account

2. Payment Plan Information

3. Unofficial Transcript

4. Class Schedule

5. Register, drop and/or add a class

6. Financial Aid Information including requirements, award offer, and Financial Aid Satisfactory Academic Progress standing.

Steps to view your Financial Aid Status on MyJSU
1. Login to MyJSU 

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status."

6. Click on the status that you wish to view. For example, if you have requirements that need to be completed, your status will allow you to click on "unsatisfied requirements." If you want to know your Financial Aid Satisfactory Academic Progress Status. you can click on your "Satisfactory Academic Progress Status."

Steps to view your Active Messages on MyJSU
1. Login to MyJSU 

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status," select correct academic year, then Click "Submit."

6. Click "You have active messages."

Steps to view your Scholarships on MyJSU
1. Login to MyJSU.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. Click "Award for Aid Year," then select correct academic year and click "Submit."

7. Click "Award Overview Tab."

Steps to view and accept your Offer of Financial Aid on MyJSU
1. Login to MyJSU 

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. The General Information Tab will appear.

7. Please read the important information and review the links on the General Information Tab.

8. Click "Accept Award Offer" Tab.

9. Follow the directions on the page to Review and Accept or Decrease the Loans.

Federal Student Aid FAQs

Steps to apply for Federal Direct Parent Plus Loans
FAFSA must be completed.


1. Go to http://www.jsu.edu/finaid.

2. Click Forms.

3. Click Parental Forms.

4. Click on the appropriate year forms - Parent PLUS Information Letter, Instruction Letter, or other Parent PLUS forms as necessary.

Instructions for Signing a Direct Loan MPN (Master Promissory Note)
**Go to studentaid.gov for more information OR

1. Go to studentloans.gov

2. Click "Complete Loan Agreement for Subsidized/Unsubsidized MPN"

3. Disable pop ups before you begin.


Instructions for Direct Loan Entrance Counseling
1. Go to studentloans.gov 

2. View the Direct Loan Entrance Counseling

3. Disable pop ups before you begin.

*Please note: To receive a student loan you must be enrolled in at least six credit hours at your level. Graduate students taking undergraduate deficiencies must contact the Office of Student Financial Services for eligibility criteria.

FOR PARENT PLUS LOAN BORROWERS, THE PARENTS ARE ALSO REQUIRED TO COMPLETE THE MASTER PROMISSORY NOTE.


Steps to Apply for Federal Direct Graduate Plus Loans
1. Go to studentloans.gov

2. Click "Graduate Professionals"

3. Click "Apply for a Plus"

4. Disable pop ups before you begin.

5. If approved, the Office of Financial Aid will process the loan and the student will be need to review MyJSU for the award offer (additional documentation may be needed).


Instructions for Graduates Signing a PLUS MPN (Master Promissory Note)
You must have an approved/awarded Graduate PLUS Loan before you may complete a Graduate PLUS MPN.
1. Go to studentloans.gov

2. Disable pop ups before you begin.

3. Click "Graduate/Professional Students" 

4. Click "Complete Loan Agreement for PLUS Loan (MPN)"

Information on Responsible Borrowing
The Office of Financial Aid encourages all students to borrow responsibly and only what is needed to complete the student's education. The US Department of Education provides brochures and other resources on loan information, responsible borrowing, interest rates, and repayment plans.  Students must complete a Master Promissory Note and Entrance Counseling and be enrolled in at least half time to receive a Federal Direct Student Loan. Students are encouraged to visit studentaid.gov and FSA Youtube Channels prior to borrowing. Students may also visit (107 Bibb Graves Hall) or email (finaid@jsu.edu) the Office.


Steps to apply for a Private/Alternative Loan
The Office of Financial Aid encourages all students eligible for federal loans to maximize their eligibility before borrowing any alternative loans. However, if you must borrow an alternative loan, we recommend that you review many alternative loan lenders and research their policies and loan terms to decide which lender is best for you. We will process an alternative loan with the lender of your choice. If you would like to review a historical list of private loan lenders to JSU students, click FASTCHOICE.  Another way to locate alternative lenders is to do an internet search for "private student loans." Our office cannot suggest or recommend an alternative lender. The lender that you choose must send your certification via ELM. Please note that lenders are required to supply you with the Truth and Lending Act information, a self-certification form, and a three day right to rescind.

In addition to other regulations, depending upon the private lender a student may be required to be enrolled in at least half time status and/or meeting Satisfactory Academic Progress.

The U. S. Congress mandated that private loan lenders require borrowers to complete an Applicant Self-Certification Form when requesting any private educational loans. DO NOT SUBMIT YOUR SELF-CERTIFICATION FORM TO THE JSU OFFICE OF FINANCIAL AID as we cannot complete this form for you. You should submit this information to your chosen lender.

The following SECTION 3 of the Self-Certification Form must be completed from your latest financial aid award notice on MyJSU. If you have not been awarded, you may wish to wait to apply for a private loan or see the information listed below for students not receiving financial aid.

Section 3: Cost of Attendance and Estimated Financial Assistance

A. Student's cost of attendance for the period of enrollment covered by the loan

B. Estimated Financial Assistance

C. Difference between amounts A and B

How can you find the information to complete Section 3?
1. Login to MyJSU

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award."

6. Click "Award for Aid Year."

7. Must match the correct academic award year with the loan period. Example:  If you are attending Summer 2018, your award year is 2017-2018. If you are attending Fall/Spring/Summer 2018-2019, your award year is 2018-2019.

8. Click "Award Overview."

9. Complete Line A with the Cost of Attendance total amount.

10. Complete Line B with the total from Financial Aid Award. This is the estimated financial assistance and is the total of all your Financial Aid, including any loans that you see already on your financial aid.

***Reminder: You must complete and sign the Self-Certification Form and send it to your lender. Always check to see if you can e-sign this form on your lender's web site.

Private/Alternative Loan information for students NOT receiving Federal Student Financial Aid If you did not file the FAFSA or do not have Financial Aid information on Financial Aid Self-Service, then the table below is a best estimate for you to use.

Be aware, lenders WILL verify your information with JSU via an electronic school certification request via ELM or other electronic communication. It is important for you to understand that you cannot receive more financial aid funds (including loans) than your Cost of Attendance, regardless of the source of those funds. The Cost of Attendance in listed below under "What is my Cost of Attendance for {YOUR SEMESTER}?" The JSU Office of Financial Aid will certify the private loan with more detailed budget data during the school certification process.


Steps to make adjustments to an Already Applied For Loan
1. Stop in the Office of Student Financial Aid Services in Bibb Graves Hall, Room 107 or

2. Download and complete the File Update Request Form located on the financial aid forms page.

2. Complete the necessary paperwork to authorize the Office of Financial Aid to adjust your loans.

3. The Office of Financial Aid will then adjust the loans in a timely manner.

4. You will then be notified via MyJSU on you Award Tab of the adjustments made.


Steps to Check the Status of Your Loans at JSU
1. Login to MyJSU.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Award Information."

6. Click "Award Payment Schedule" or "Loan Application History."

7. Click "Award for Aid Year." Select correct academic year, then Click "Submit."

8. These screens show expected amounts to be paid and the amounts that have been paid out already. The date listed for payment is not the exact day of payment or check disbursement.


What do I do if I am on Financial Aid Suspension?
1. Login to MyJSU.

2. Click Self Service Banner on the left side of the screen beneath "Featured Links."

3. Click "Student and Financial Aid."

4. Click "Financial Aid."

5. Click "Financial Aid Status."

6. Click on the "Satisfactory Academic Progress Status."

7. Click on the Satisfactory Academic Policy (SAP) and Appeals Information that pertains to the aid year that you are planning to attend. Scroll down to read and follow the instructions for the Appeals Process if you meet the criteria for an appeal.


What happens if I withdraw or stop completing academic related activity in my classes?
To withdraw from JSU, students must complete the Withdrawal Form provided by the Registrar's Office. The date of the withdrawal will normally be the date the form is completed. If a student stops completing academic related activity, a student may be considered to be unofficially withdrawn. In cases of an unofficial withdrawal, the date of withdrawal will be the midpoint of the term or the last date of academic related activity, which ever benefits the student.

FEDERAL RETURN TO TITLE IV POLICY

If you receive Federal Title IV aid (Pell Grants, Federal Direct Student Loans, Federal Direct PLUS Loans, TEACH Grants, Federal Supplemental Opportunity Grants, etc) and withdraw or stop attending classes, JSU will calculate the amount of aid you did not earn. If it is determined that you received aid you did not earn, the funds will be returned to the appropriate Title IV program(s).

You have only earned the percentage of aid that reflects the percentage of the term you attended. For example, if you complete 25% of the semester, you earned 25% of the Title IV aid you were eligible for during the term of attendance. If you attend more than 60% of the term you will not owe a refund.

If you receive excess aid for the term attended, JSU must return the unearned portion. You may then be held accountable for paying this amount to JSU.

If JSU is not required to return the entire amount, you must repay the remaining amount to the appropriate Title IV program(s).

* The Federal Direct Student Loans/PLUS Loans you may have borrowed will be repaid according to the terms of the original promissory note.

* You will only be responsible for overpayment of unearned grants as determined by the Us Department of Education Return to Title IV Funds Calculation. A student who owes an overpayment will not be eligible for additional Title IV aid until the overpayment has been resolved.

Withdrawing and not completing coursework with a passing final grade will directly affect your Financial Aid Satisfactory Academic Progress. Failure to meet this policy will result in suspension of future financial aid. This policy may be viewed by clicking the Forms tab and Satisfactory Academic Progress Policy for the year that you are attending or on MyJSU under Financial Aid Status.

Information about the JSU refund policy and withdrawal procedures may be viewed at the following sites:

http://www.jsu.edu/bursar/refundpolicy.html

http://www.jsu.edu/registrar/student.html, click the withdrawal


What is the JSU Return of Title IV Funds Policy?
To withdraw from JSU, students must complete the Withdrawal Form provided by the Registrar's Office. The date of the withdrawal will normally be the date the form is completed.

The Higher Education Act, section 484B, 34 CFR 668.22 specifies the formula that requires federal aid recipients to *earn* the aid they received while enrolled. Up through the 60% point in each payment period, a prorated schedule is used to determine the amount of Title IV funds the student has earned at the time of withdrawal. After the 60% point in the payment period, a student has earned 100% of the Title IV funds they received.

A student begins earning Title IV funds on the first day of attendance. Therefore, even if a student withdraws before JSU's last day to register (prior to fund disbursement), the school must perform a Return calculation using the number of days the student was determined to have attended class(es.)

If it is determined by JSU that a student has ceased to attend class(es) or stopped completing academic related activity, an unofficial withdrawal will be calculated using the last determined date of attendance or midpoint (based on date that most benefits the student).

JSU must always return any unearned Title IV funds within 45 days of the date the school determined the student withdrew. JSU must also offer any post-withdrawal disbursement within 30 days of the date the school determined the student withdrew. A post-withdrawal disbursement must meet the current required conditions as outlined in the Return to Title IV Handbook. A post-withdrawal disbursement must be made within 120 days from the date the institution determines that the student withdrew. 

JSU must notify a student in writing prior to making any post-withdrawal disbursement of any Title IV loan funds. A student/parent must provide written notification to JSU to request a post withdrawal disbursement of any Title IV loan funds. The information provided in this notification must include the information necessary for the student to make an informed decision as to whether or not to accept any disbursement of loan funds to pay institutional charges.

Any student who withdraws and was eligible for Federal Pell, JSU will disburse funds to the student account. JSU is not required to notify and/or receive information from the student to disburse Pell funds. Pell disbursed will be calculated as a part of the Return to Title IV calculation.

A school must return Title IV funds to the programs from which the student received aid in the following order:

1. Unsubsidized Federal Stafford loan

2. Subsidized Federal Stafford loan

3. Federal Plus loan

4. Federal Pell Grant

5. Academic Competitiveness Grant

6. National Smart Grant

7. TEACH Grant

8. Federal Supplemental Educational Opportunity Grant (FSEOG)


A student does not have to repay a grant overpayment of $50 or less.


What is a Cost of Attendance?
This is an estimate of how much money may be required to attend school for one semester and/ or academic year at that college, including all reasonable expenses. Most people, when budgeting for college, look at the tuition and assume that tuition is more or less the "price tag" for that school; the reality is that tuition may be as little as 50% of the overall budget.  For more general information on cost of attendance, click studentaid.gov


What is my Cost of Attendance for Summer 2018?

*Estimated Cost of Attendance (COA) at JSU for Summer 2018 

Undergraduate

On Campus

Off Campus

With Parents/Relatives

Tuition

 $1854

  $1854

 $1854

General University Fees

$0

$0

$0  

Books and Supplies

 $399

 $399

 $399

Room and Board $1773

$2334

$1184

Transportation

$321

$1284

 $1284

Personal

$789

 $789

$789

Direct Loan Fees

$14

$14

$14

TOTALS

 $5150

 $6674

 $5224

**The Summer 2018 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the Summer Semester with parts of term within (6 hours).  Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.

GRADUATE

On Campus

Off Campus

With Parents/Relatives

Tuition

 $2292

 $2292

 $2292

General University Fees

$0

$0

   $0   

Books and Supplies

 $399

 $399

 $399   

Room and Board $1773

$2334

$1184

Transportation

$321

$1284

 $1284

Personal

$789

 $789

 $789

Direct Loan Fees

$19

$19

$19

TOTALS

 $5593

 $7117

 $5967

**The Summer 2018 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the Summer Semester with parts of term within (6 hours). Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.

DOCTORAL

On Campus

Off Campus

With Parents/Relatives

Tuition

 $1484

 $1484

 $1484

General University Fees

$0

$0

$0

Books and Supplies

 $291

 $291

 $291

Room and Board $1773

$2334

$1184

Transportation

$321

$1284

 $1284

Personal

$789

 $789

$789

Direct Loan Fees 

$19

$19

$19

TOTALS

 $4677

 $6181

 $5051

**The Summer 2018 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the Summer Semester with parts of term within (4 hours).  Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.


What is my Cost of Attendance for Fall 2018 and Spring 2019?

*Estimated Cost of Attendance (COA) at JSU for Fall and Spring Semesters 2018-2019.  If you are attending one semester, please half each estimated cost.

UNDERGRADUATES

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 7,776

$ 7,776

$ 7,776

Fees

$    984

$    984

$    984

Books and Supplies

$ 1,020

$ 1,020

$ 1,020

Room

$ 4,194

$ 6,468

$ 3,424

Board

$ 3,300

$2,098

$ 1.180

Personal

$ 1,376

$ 1,376

$ 1,376

Transportation

$  963

$ 2,304

$ 2,304

Direct Loan Fees

$     43

$     43

$     43

TOTALS

$19,656

$22,069

$17,917

**The 2018-2019 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning and Research of traditional classroom in-state hours taken during the fall and spring (12 hours).  Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.

GRADUATES

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 4,584

$ 4,584

$ 4,584

Fees

$    912

$    912

$   912

Books and Supplies

$ 1,020

$ 1,020

$ 1,020

Room

$ 4,194

$ 6,468

$ 3,234

Board

$ 3,300

$ 2,098

$ 1,180

Personal

$ 1,376

$ 1,376

$ 1,376

Transportation

$  963

$ 2,304

$ 2,304

Direct Loan Fees

$    43

$    43

$     43

TOTALS

$16,392

$18,805

$14,653

**The 2018-2019 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning & Research of traditional classroom, in-state hours taken during the fall and spring (6 hours).  Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.

DOCTORAL

 

On Campus

Off Campus

With Parents/Relatives

Tuition

$ 3,710

$ 3,710

$ 3,710

Fees

$    750

$    750

$    750

Doctoral Fees

$    0

$   0

$    0

Books and Supplies

$  1,020

$   1,050

$   1,020

Room

$ 4,194

$ 6,468

$ 3,234

Board

$ 3,300

$ 2,304

$  2,304

Personal

$ 1,376

$ 1,376

$ 1,376

Transportation

$   856

$  3,424

$ 3,424

Direct Loan Fees

$     43

$     43

$    43

TOTALS

$15,506

$17,919

$14,685

**The 2018-2019 COA may be subject to change based on tuition/housing, etc increases as voted by the Board of Trustees. Tuition is based on the average enrollment as determined by the Office of Planning & Research of traditional classroom, in-state hours taken during the fall and spring (5 hours).  Program and/or class fees based on a student's individual program of study and registration are not included in the COA. Increases to a student’s COA may be requested at the Office of Financial Aid by the student based on Out of State status, child care, actual tuition and fees etc.

How do I view my charges on my student account?
1. Login to MyJSU at http://my.jsu.edu.

2. Click "View Student Account/Make Payment."

3. Click "Recent Activity."

Where do I go for Payment Plan Information?
1. Go to http://www.jsu.edu/bursar/.

Where do I go for Book Voucher Information?
1. Go to http://www.jsu.edu/bursar/.

What if I would like to participate in Study Abroad? 

1. Please review the steps to study abroad information.

2. Visit or contact the JSU Office of Financial Aid for your specific financial aid information and study abroad program.

3.  To be eligible for federal student aid at JSU for study abroad:

  • your coursework must be part of your financial aid eligible program,
  • be approved for credit,
  • shown as enrollment, and
  • meet all other federal student aid eligibility requirements and guidelines.