For need-based financial assistance, the contribution toward college costs expected from the student is calculated according to a federally mandated system called federal need analysis, which takes into account many factors representing the family's financial situation. To receive financial aid, a student must be enrolled for a minimum of 3 credits per term in a program leading to a degree or the residency teacher or principal certificate.
The Financial Aid Offer
SPU-Church Matching Scholarships up to $500 are awarded to students who are awarded a scholarship from an organized Christian church in the United States or Canada as a result of a scholarship section process. Eligible churches include Christian churches in the United States and Canada and, for dependents of missionaries, missionary organizations in the United States and Canada. Contact Student Financial Services for further information.
SPU endowed gifts and scholarships. Students may contact their respective graduate school coordinator to learn more about endowed gifts and scholarship opportunities that may be available. Scholarship and grant directories are available at the Seattle Pacific University Library and in public libraries. Suggested resources include:
Federal Direct Stafford loans (subsidized and unsubsidized). The subsidized loan limit for a graduate or professional student is $8,500 per academic year. The additional unsubsidized loan limit for graduate or professional students is $12,000 per academic year. The maximum outstanding total subsidized and unsubsidized Stafford Loan debt is $138,500 for a graduate or professional student (including loans for undergraduate study). No more than $65,500 of this aggregate amount may be in the form of subsidized loans. (Clinical psychology doctoral students may borrow up to $33,000 (9-month academic year) or $37,167 (12-month academic year) in unsubsidized Stafford loan alone or in combination with the federal subsidized Stafford loan for a maximum outstanding total subsidized and unsubsidized Stafford Loan debt of $224,000.) These loans are made through the US Department of Education.
Any student is eligible to apply who satisfies the eligibility requirements as established by the U.S. Department of Education. The federal Stafford loan interest rate for graduate students is fixed at 6.8 percent. For subsidized loans no interest is charged while students are enrolled at least half time in a degree seeking program and during a six-month grace period following graduation, withdrawal or a drop to less than half-time enrollment. Interest begins accruing immediately on unsubsidized loans. Additional information regarding types of payment plans and deferments is available on the loan master promissory note and from the Direct Loan Program.
Federal Direct graduate PLUS loan. Students may apply for a Grad PLUS loan up to the cost of attendance minus current financial assistance. Students must complete the FAFSA and utilize their federal subsidized and unsubsidized Stafford loan eligibility.
Grad PLUS loans are made through the US Department of Education. Any student is eligible to apply who satisfies the eligibility requirements as established by the U.S. Department of Education. Eligibility also depends on a credit check to determine whether the borrower has an adverse credit history. Interest begins accruing immediately and is a fixed rate of 7.9 percent. Direct Grad PLUS loans disbursed will receive in-school deferment while the student borrower is enrolled at least half-time and a six-month deferral beginning the day after the student is no longer enrolled at least half-time.
Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant Program. This program benefits current and prospective teachers who agree to teach full time for four years in a federally designated eligible school. This grant is available to students in the ARC, MIT, and MAT programs, seeking/intending to receive endorsements in math, science, a foreign language, bilingual education, special education, or as a reading specialist. The funds from this program are automatically credited to your student account at the beginning of each quarter, provided all requested documents have been submitted to Student Financial Services, you are registered for the number of credits upon which your financial aid award was based, verification (if required) has been completed, and you continue to meet the grant requirements.
Federal work study, on campus. Part-time employment opportunities for students on campus; students must have applied for financial aid and be awarded work study to be employed in the federal work-study program — graduate students must request to be considered for federal work-study through Student Financial Services.
State work-study employment, off campus. Students must have applied for financial aid and been awarded work study to be employed in the state work-study program — graduate students must be Washington state residents and request consideration for state work-study through Student Financial Services. This program is sponsored by the state of Washington, and the participating employers are reimbursed by the state for a portion of the wages they pay work-study students.
Washington State Future Teachers Conditional Scholarship and Loan Repayment Program. The Future Teachers Conditional Scholarship and Loan Repayment program is designed to encourage outstanding students and paraprofessionals to become teachers, and to encourage current teachers to obtain additional endorsements in teacher-shortage subjects.
To be eligible for this program, you must be a resident student of Washington state, plan to complete an approved program leading to a residency teacher certificate or an additional shortage subject endorsement, plan to be employed as a certificated classroom teacher in Washington K-12 public schools, plan to attend an eligible college at least half-time (note: Some online programs are not eligible for funding under this program), and you must not be pursuing or planning to pursue a degree in theology. Visit the Washington Higher Education Coordinating Board for additional information and application process.
Note: The combination of all sources of financial aid (grants, scholarships, loans, and work study) cannot exceed the cost of attendance as determined by SFS.
Disbursement of Financial Aid
To remain eligible for financial assistance, a student is expected to meet qualitative and quantitative academic requirements.
Minimum Grade Point Average
Minimum Credit Requirement
Maximum Time Frame
Consequences of Unsatisfactory Progress
Appeals for Reinstatement of Eligibility
Results of Appeals (Probation)
Appeals will be approved only if the student will be able to meet satisfactory progress after the next quarter or Student Financial Services has approved an academic plan with the student that, if followed, will ensure the student is able to make satisfactory progress by a designated point in time.
Students with an approved appeal will be considered to be on financial aid probation; students on probation may receive aid for one probationary quarter. After the probation quarter, students must meet the Satisfactory Progress standards or the requirements of their academic plan, failure to do so will mean a forfeit of eligibility for financial assistance.