Student Financial Services
Student Financial Services FAQs

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Authorized User(s)

1. How do I set up someone as an Authorized User?
2. What is an Authorized User?

BearBucks™

1. Can I include BearBucks™ on the Installment Plan?
2. How often do I need to check the BearBucks™ Statement Center?
3. If I need to, can I cash in my BearBucks™?
4. What is the difference between BearBucks™ and Dining Dollars?
5. Where can BearBucks™ be used?

Calculation of Aid

1. I'm not sure whether I will qualify for need-based aid. Is it worth my time to fill out the Free Application for Federal Student Aid (FAFSA)?
2. What is considered in calculating how much my family can afford to contribute to my education?
3. What happens to the money that is awarded but not accepted because students decide to go to another college?
4. Is there any consideration for sending two or more students to college at the same time (e.g. group rate)? How is that factored in?
5. What if my or my parents' previous year's income is greater than the current year's income?
6. What is the maximum family income allowed in order for a student to be eligible for some need-based scholarships or support? Is that level the same for all universities?
7. Who is considered a parent on the FAFSA? In other words, whose information do I provide in the parent section of the FAFSA?
8. In determining eligibility for need-based assistance, what income figure is important (gross, net, adjusted)?
9. We have a high income but very few assets. How might this affect our need-based help?

Cashiers

1. When are semester payments due, and how are they typically paid (check, credit card)?
2. How can I get a copy of my semester or monthly billing if I did not receive one in the mail?
3. I am paying by mail instead of online; to what address should I mail my payment?

Direct Deposit

1. How do I enroll in the Direct Deposit Program?
2. Do I need to reenroll in the direct deposit program each year?
3. What do I need to do about my Direct Deposit information if I change bank accounts?
4. Is the direct deposit information the same for both my work-study check and my financial aid refund?

Direct Lending

1. What is the difference between Direct Loans and Stafford Loans?
2. Can I still borrow a Stafford Loan if I prefer it?
3. How do I apply for a Direct subsidized or unsubsidized loan?
4. What will happen to the existing loans that I have borrowed from other lenders?
5. If I have previously borrowed under the FFEL Program, do I have to complete another Master Promissory Note (MPN)?
6. I have previously completed entrance counseling under the FFEL Program; do I have to complete Direct Loan entrance counseling?
7. Will the change in loan programs cause my prior loans to go into repayment?
8. How will the switch improve service to students and parent borrowers?
9. How do my parents apply for a Direct PLUS loan?
10. I am not sure my credit is good enough to qualify for a PLUS Loan. Can I find out somehow?
11. What if my credit isn't good enough and I am denied for a PLUS Loan?

Financial Settlement

1. What is Financial Settlement?
2. Must I inform the Cashier's Office that I am attending when I have a zero or credit balance?
3. Does Baylor accept credit cards or e-payments for student accounts?
4. Why do I have a "Previous Balance" on my Spring 2014 semester bill?

General Information

1. What financial assistance is available?
2. How many students at Baylor receive financial assistance?
3. Can you get a tuition discount if you have more than one child attending Baylor?

Grants

1. How do I apply for the Pell Grant?
2. How do I apply for the Tuition Equalization Grant (TEG)?

Guaranteed Tuition

1. What is a guaranteed tuition rate?
2. How long is this tuition rate guaranteed?
3. If I select the guaranteed tuition rate as an undergraduate, does it continue into graduate school if I complete my degree in less than the 48 months?
4. What happens to my guaranteed tuition if I am unable to complete my degree in 48 months?
5. When do I have to select the guaranteed tuition option?
6. In regards to guaranteed tuition, what do you mean by 48 months?
7. Is the guaranteed tuition rate applicable only to entering freshmen?
8. How do I sign up for guaranteed tuition?
9. What if I decide to cancel my option to participate in the guaranteed tuition plan?

ID Card

1. Is it necessary to get a new ID Card each year?
2. If I lose my ID card, how do I check to see if it has been found?

Installment Payment Plan

1. When do I decide if I want to use the Installment Plan?
2. How is the Installment Plan amount determined?
3. What does Verified Financial Aid mean?
4. What am I required to do when I receive my semester bill?
5. After the initial payment, when will my remaining payments be due?
6. What happens if I have a change in financial aid awards, semester hours, meal plan or housing after the Installment Plan has been set?
7. What happens if I am late in making my payments?
8. Why do I have a transcript hold when my installment plan payments are current?
9. Is there a fee if my payments are late?
10. Can I use the Installment Plan in the summer?
11. What is the Installment Plan?

International Students

1. How can I find assistance to help with college expenses?
2. Are international students eligible for student employment?
3. Are international students eligible for loans?
4. Are scholarships available for international students?
5. What types of aid other than scholarships am I eligible for as an international student?

Loans

1. If I get a loan from one place, will that disqualify me for other loans or grants?
2. Are loans available that can be repaid after graduation?
3. Is consideration given to parents who are paying off a loan for other children who have previously attended Baylor?
4. How do I apply for a Federal Stafford Loan?
5. What is "Loans by Web"?
6. Is "Loans by Web" the only way to pursue my Stafford Loan?
7. Besides the Stafford Loan, are there other alternative loans that can be pursued?
8. What is the difference between an unsubsidized loan and a subsidized loan?

Meal Plans

1. How do I select a meal plan?
2. Why am I required to have a meal plan?
3. If I am a Freshman athlete, who do I contact concerning meal plans?
4. How do I change my meal plan?
5. What is the difference between BearBucks™ and Dining Dollars?

Personal Information

1. How do I notify Baylor of a change in address or telephone number?

Scholarships

1. Are there scholarships that currently enrolled students can apply for?
2. Are scholarships available for seminary students?
3. Are scholarships available for law students?
4. Are scholarships available for graduate students?
5. If I receive a scholarship or grant, will my need-based aid be affected?
6. Are scholarships awarded for one year, or are there scholarships that are guaranteed for all four years?
7. Do you have scholarships for students studying in various academic departments or disciplines?
8. If I am not planning to complete a Free Application for Federal Student Aid (FAFSA), can I still apply for an academic scholarship?
9. Are scholarships awarded for study abroad programs?

Transfer Courses

1. Where do I have my transcripts sent from another college to Baylor?
2. How long does it take for my transfer courses to be added to my Baylor record?
3. What courses transfer to Baylor?

Veterans

1. Does Baylor offer any financial aid for veterans?
2. Does Baylor accept the Hazelwood Act of Texas veterans?




Authorized User(s)

1. How do I set up someone as an Authorized User?

  • Login to the E-bill site
  • Click on the Authorized Users Tab
  • Click the Add an Authorized User button
  • Follow the directions
You will need to know the email address of each person you choose to set up as an Authorized User.
More Information: index.php?id=69413

2. What is an Authorized User?
An Authorized User is anyone a student chooses to set up to get senester bills (e-bills)and email concerning their Baylor student account. They can only see the bill information - no grades, no stored payment information, no academic records, no financial aid records or other personal information. Authorized Users can also contact the Cashier's Office to discuss the student account.
More Information: index.php?id=69413

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BearBucks™

1. Can I include BearBucks™ on the Installment Plan?
No, you must pay for your BearBucks™ in full with your first installment. However, you may pay for additional BearBucks™ at any time during the semester or summer term.

2. How often do I need to check the BearBucks™ Statement Center?
Check your account on the BearBucks™ Statement Center frequently to ensure no mistakes have been made.

3. If I need to, can I cash in my BearBucks™?
No, although there is no maximum, do not deposit more in the account than you anticipate needing for the semester because NO REFUNDS are allowed until you graduate or permanently withdraw from Baylor. However, balances do carry over from one semester (or summer term) to the next.

4. What is the difference between BearBucks™ and Dining Dollars?
Please visit our website for a comparison of the two programs.

5. Where can BearBucks™ be used?
You may access BearBucks™ locations at this site. Locations subject to change without notice.

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Calculation of Aid

1. I'm not sure whether I will qualify for need-based aid. Is it worth my time to fill out the Free Application for Federal Student Aid (FAFSA)?
Yes. We recommend that all students file the FAFSA. You can't assume that you will or will not qualify for aid based on your family income alone. Many factors are considered in calculating need. Complete the FAFSA after January 1--we recommend prior to March 1-- in order to be given priority consideration for all aid programs for which you may have eligibility.

2. What is considered in calculating how much my family can afford to contribute to my education?
Congress has created a formula that takes a number of factors into consideration. Among them are total taxable and nontaxable income, assets, the number of persons supported by the family income, where you live, age of older parent, and the number of dependents in college.

3. What happens to the money that is awarded but not accepted because students decide to go to another college?
With the exception of the Pell Grant for undergraduate students and loans, funds are re-awarded to students attending Baylor University who are on the waiting list for those funds. Awards do not transfer from one school to another. Students must reapply at their new college.

4. Is there any consideration for sending two or more students to college at the same time (e.g. group rate)? How is that factored in?
The federal need-based formula takes into consideration the household size and number in college (excluding parents in college). These factors are reflected in each student's calculated family contribution. If your parent is attending college half-time or more and working toward a degree or certificate, contact the Student Financial Aid Office. An additional form is required to consider a parent in the number of family members in college.

5. What if my or my parents' previous year's income is greater than the current year's income?
You should complete the FAFSA using the requested year's income information. You may then contact our office and discuss your situation with one of our counselors. There are situations where we can make adjustments but these are done on a case by case basis and only when your situation meets the required criteria. If we are able to consider an adjustment, the counselor will provide you with the appropriate steps to take.

6. What is the maximum family income allowed in order for a student to be eligible for some need-based scholarships or support? Is that level the same for all universities?
Since many factors are taken into consideration when determining a student's eligibility for assistance, there is not a maximum income threshold for need-based aid. The federal formula determines the family contribution, which remains the same from school to school. Need eligibility is determined by subtracting the family contribution from the cost of attendance at each institution.

7. Who is considered a parent on the FAFSA? In other words, whose information do I provide in the parent section of the FAFSA?
If your parents are living and married to each other, answer the questions about them.

If your parent is widowed or single, answer the questions about that parent only.

If your widowed parent is remarried as of today, answer the questions about that parent and the person whom your parent married (your stepparent).

You must include your stepparent's information even if he/she does not contribute financially to your college education.

If your parents are divorced or separated, answer the questions about the parent you lived with more during the past 12 months. (If you did not live with one parent more than the other, give answers about the parent who provided more financial support during the past 12 months, or during the most recent year that you actually received support from a parent.) If this parent is remarried as of today, answer the questions on the rest of this form about that parent and the person whom your parent married (your stepparent).

Again, you must include your stepparent's information even if he/she does not contribute financially to your college education.

8. In determining eligibility for need-based assistance, what income figure is important (gross, net, adjusted)?
The adjusted gross income (AGI) is used.

9. We have a high income but very few assets. How might this affect our need-based help?
Both asset and income information are collected on the Free Application for Federal Student Aid (FAFSA). All of the income, asset, and household information reported on the FAFSA is used in the federal formula to determine the family's expected conribution toward educational costs. The expected family contribution is subtracted from the cost of attendance to determine need-based financial aid eligibility.

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Cashiers

1. When are semester payments due, and how are they typically paid (check, credit card)?
Please visit the Student Financial Services Website for payment information.

2. How can I get a copy of my semester or monthly billing if I did not receive one in the mail?
An email will be sent to the student's Baylor email address with a link that allows you to view your semester or monthly billing online.
The student may also add authorized users in the E-bill system by adding their personal email addresses. The authorized users will then also receive email notifications of all bills. Authorized users may make online payment. Monthly bills are available by E-Bill only.
More Information: index.php?id=69413

3. I am paying by mail instead of online; to what address should I mail my payment?
For regular and Priority Mail:
Baylor University
Cashier's Office
One Bear Place #97048
Waco, TX 76798-7048

For other mailing services, such as UPS and FedEx:
Baylor University
Cashier's Office
700 S. University Parks Drive
Suite 100
Waco, TX 76706

This is listed on our Contact Information page and the View & Pay Bill page.

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Direct Deposit

1. How do I enroll in the Direct Deposit Program?

  • Login to BearWeb with your Baylor ID number and PIN.
  • Choose Student Services and Financial Aid.
  • Choose Cashier.
  • Choose Update Student Direct Deposit Refund ACH.
  • Read the terms and complete the form with your Bank Routing Number, Account Number, and Account Type.
  • Do NOT enter your debit card number-only checking and savings account numbers will process correctly.

More Information: http://www.baylor.edu/sfs/directdeposit

2. Do I need to reenroll in the direct deposit program each year?
No, your direct deposit bank information will remain on your student account unless you login to BearWeb and update/delete the information.

3. What do I need to do about my Direct Deposit information if I change bank accounts?

  • Login to BearWeb with your Baylor ID number and PIN.
  • Choose Student Services and Financial Aid.
  • Choose Cashier.
  • Choose Update Student Direct Deposit Refund ACH.
  • Read the terms and complete the form with your new Bank Routing Number, Account Number, and Account Type.
  • Do NOT enter your debit card number-only checking and savings account numbers will process correctly.

4. Is the direct deposit information the same for both my work-study check and my financial aid refund?
You must enroll in each program separately. Both Cashier and Payroll Direct Deposit enrollment is available on BearWeb.

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Direct Lending

1. What is the difference between Direct Loans and Stafford Loans?
While the loan limits and eligibility will be the same, in direct lending, the Department of Education is the lender for all students. You do not have to find a participating lender. With Stafford Loans, you chose a participating bank, credit union, or other financial institution to be your lender. Many lenders no longer participate in the Stafford Loan program.

2. Can I still borrow a Stafford Loan if I prefer it?
No, each university chooses whether to participate in the FFEL or DL program. Baylor is participating only in the DL program beginning with Summer 2010. You will be able to borrow the same amounts and your benefits will be very similar to those you had with Stafford Loans.

3. How do I apply for a Direct subsidized or unsubsidized loan?
File the Free Application for Federal Student Aid just as you would have to apply for Stafford loans. We will notify you of your eligibility and your next steps.

4. What will happen to the existing loans that I have borrowed from other lenders?
After graduation, you have a choice. You can either make individual payments to your previous lender(s) and to the Department of Education for your Direct Loans, or you can consolidate your loans into one simple payment. You may either consolidate all your loans with your previous lender, or with the Department of Education. However, many private lenders have discontinued their consolidation services and may have sold your loans to the Department of Education. Check with your previous lender if you are unsure of the status of your previous loan.

5. If I have previously borrowed under the FFEL Program, do I have to complete another Master Promissory Note (MPN)?
Yes, you must sign a new direct Loan Master Promissory Note. This will be the last promissory note you will have to sign as long as you continue to attend Baylor. Your Federal PIN is required in order to eSign. Instructions are forthcoming.

6. I have previously completed entrance counseling under the FFEL Program; do I have to complete Direct Loan entrance counseling?
Yes, you will have to complete Direct Loan entrance counseling after you have been offered a Direct subsidized or unsubsidized loan and accepted the offer. Instructions appear in your BearWeb account under Financial Aid Requirements.

7. Will the change in loan programs cause my prior loans to go into repayment?
No, your prior Stafford loans will not go into repayment as long as you remain enrolled at least half-time.

8. How will the switch improve service to students and parent borrowers?
Students and parents have experienced frustration in the last 2 years since many lenders have decided to stop participating in the FFEL program. Sometimes students have borrowed from the same lender for 2 or 3 years at Baylor only to find that lender is no longer an option for their remaining years of study. Students then had to chose another lender and complete another promissory note. Given the volatile conditions in the credit market and the student loan industry, we wanted assurance that funding will be available for our students. Direct Loans provides that assurance.

9. How do my parents apply for a Direct PLUS loan?
The application for the Direct PLUS loan will be available on our webpage. Parents apply through the Student Financial Aid Office and authorize us to request a credit check from the Department of Education.

10. I am not sure my credit is good enough to qualify for a PLUS Loan. Can I find out somehow?
Federal regulations define credit eligibility for a PLUS Loan as being a parent borrower who has no "adverse credit." This term normally means that the applicant has no debt repayment account that is 90 days or more delinquent, has not had any debt discharged in bankruptcy in the last 5 years, and has not been in default on any debt (no foreclosure, tax lien, repossession, wage garnishment, or write-off) in the last 5 years.

11. What if my credit isn't good enough and I am denied for a PLUS Loan?
The US Department of Education offers an option to add an endorser (like a cosigner) to your PLUS Loan if you aren't approved on your own credit. An endorser is a credit-worthy person who will sign the loan app with the parent borrower and take on equal liability for the PLUS Loan debt.
A credit denial on the PLUS loan may create additional unsubsidized loan eligibility for the student. Contact the Baylor Student Financial Aid Office for details.

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Financial Settlement

1. What is Financial Settlement?
Financial settlement is the last step in completing your registration at Baylor. All expenses must be paid or the minimum amount due must be paid to elect the Installment Plan by the due date for the term.
All students must confirm their attendance each term. Confirmation may be made by accessing BearWeb. After logging in, choose Student Financial Services, then Student Account, then Confirm Your Attendance.
More Information: http://www.baylor.edu/sfs/settlement

2. Must I inform the Cashier's Office that I am attending when I have a zero or credit balance?
All students must confirm their attendance each term. Confirmation may be made by accessing BearWeb. After logging in, choose Student and Financial Aid, then Cashier, then Confirm My Attendance.

3. Does Baylor accept credit cards or e-payments for student accounts?
Yes, Baylor accepts online payment via your checking or savings account, as well as payment from all major credit cards. There is a 2.75% convenience fee assessed by the third-party web processor for credit card payments. We also accept personal checks, money orders, Official checks, and cash (in person) for payments on student accounts.

For more information, click here.

4. Why do I have a "Previous Balance" on my Spring 2014 semester bill?
An amount shown as "Previous Balance" on your Spring 2014 semester bill is any unpaid charge from a prior term as of the bill date of December 1.

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General Information

1. What financial assistance is available?
You can find information about the types of aid Baylor offers by going to our Student Financial Services Website, selecting Financial Aid in the left-hand menu and clicking on Scholarships, Grants, Loans, & Student Employment.

2. How many students at Baylor receive financial assistance?
Approximately 85% of the students at Baylor attend school with the assistance of scholarships, grants, loans, and/or on-campus employment.

3. Can you get a tuition discount if you have more than one child attending Baylor?
Baylor does not provide a specific award for siblings attending Baylor; however, when determining financial aid eligibility, the federal formula does take the number in college into consideration in calculating the amount a family is expected to contribute toward educational costs. In addition, your students may qualify for a Baylor Sibling Scholarship; go to Need-Based Scholarships for more information on this program.

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Grants

1. How do I apply for the Pell Grant?
Complete the Free Application for Federal Student Aid (FAFSA). There is a 30 minute online training program for completing the FAFSA at mappingyourfuture.org. Submit the form on the Internet at www.fafsa.ed.gov. Baylor's school code for the FAFSA is 003545. Baylor normally receives results of the FAFSA from the federal processor within 7 to 10 business days.

2. How do I apply for the Tuition Equalization Grant (TEG)?
Only Texas residents can be considered for the TEG. You must complete the Free Application for Federal Student Aid (FAFSA) for us to determine your eligibility. The TEG is a need-based grant awarded to undergraduate students enrolled in a degree or certificate(s) program. Recipients must maintain full-time enrollment and State academic requirements, and continue to meet the need criteria for renewal. Students studying a religion or ministry degree program, or students receiving athletic scholarships are not eligible. You will be asked to complete a Texas Core Residency Questions form to confirm your status as a Texas resident before credit can be issued to your student account.

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Guaranteed Tuition

1. What is a guaranteed tuition rate?
A guaranteed tuition rate allows a student to pay that same rate for 48 consecutive months, eliminating tuition rate inflations.

For more information, click here.

2. How long is this tuition rate guaranteed?
Once selected in the fall of 2013, the student has 48 months to take as many semester hours as desired and pay the guaranteed rate of $17,720.00 per semester for long semesters ($1,477.00 per semester hour if taking less than 12 hours) and $1,108.00 per hour beginning Summer 2014 and subsequent summers during that 48 month period.

For more information, click here.

3. If I select the guaranteed tuition rate as an undergraduate, does it continue into graduate school if I complete my degree in less than the 48 months?
Yes, once you elect to pay the guaranteed tuition rate, there are no limits on the number of hours or degrees you may enroll or complete within the 48 month period.

For more information, click here.

4. What happens to my guaranteed tuition if I am unable to complete my degree in 48 months?
After 48 months you will pay the tuition rate in effect at that time.

For more information, click here.

5. When do I have to select the guaranteed tuition option?
The guaranteed tuition option must be selected by July 31, 2013 (the Financial Settlement due date for Fall 2013).

For more information, click here.

6. In regards to guaranteed tuition, what do you mean by 48 months?
Once you select the guaranteed tuition option, you have four full years to pay the same tuition rate. If you begin paying the guaranteed tuition rate in the Fall 2013 semester, you may continue paying the same tuition rate through the summer semester of 2017.

For more information, click here.

7. Is the guaranteed tuition rate applicable only to entering freshmen?
No, any undergraduate or graduate student may select the guaranteed tuition option.

For more information, click here.

8. How do I sign up for guaranteed tuition?
Complete an application available through the Cashier's Office or download the form and send to the Cashier's Office.

For more information, click here.

9. What if I decide to cancel my option to participate in the guaranteed tuition plan?
Simply notify the Cashier's Office in writing. Notification received within the first 9 class days of a semester will make it effective with that semester; thereafter, it will become effective with the following semester.

For more information, click here.

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ID Card

1. Is it necessary to get a new ID Card each year?
No, you may use the same card the entire time you are at Baylor as long as it is legible and scans in the card readers.

2. If I lose my ID card, how do I check to see if it has been found?
Call the ID Office at 710-1965 to see if your card has been found.

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Installment Payment Plan

1. When do I decide if I want to use the Installment Plan?
You must decide when completing financial settlement. To choose the installment plan, pay the Minimum Amount Due on your semester bill. If you have received additional financial aid since your bill was generated, or if you have incurred additional charges since the bill was generated, you must recalculate the Minimum Amount Due.

The total charges (tuition, fees, room and board) less anticipated financial aid for a semester results in the Installment Plan amount. This amount is then divided into five equal installments. The first installment plus the $60 per semester non-refundable fee and any previous balance is due before the due date.

For more information, click here.

2. How is the Installment Plan amount determined?
The Installment Plan amount is calculated on a semester basis. The total charges (tuition, fees, room and board) less anticipated financial aid for a semester results in the Installment Plan amount. This amount is then divided into five equal installments. The first installment plus the $60 per semester non-refundable fee, any previous balance, and any BearBucks™ not previously paid is due before the due date. For Spring 14 the due date is December 20, 2013.

For more information, click here.

3. What does Verified Financial Aid mean?
Verified Financial Aid is any scholarship, grant or loan for which you have received confirmation from Baylor's Student Financial Aid Office or awarding organization. This does not include work study.

4. What am I required to do when I receive my semester bill?
Make payment in full or pay at least the minimum amount due by the due date listed on the bill.

To choose the installment plan, pay the Minimum Amount Due on your semester bill. If you have received additional financial aid since your bill was generated, or if you have incurred additional charges since the bill was generated, you must recalculate the Minimum Amount Due.

The total charges (tuition, fees, room and board) less anticipated financial aid for a semester results in the Installment Plan amount. This amount is then divided into five equal installments. The first installment plus the $60 per semester non-refundable fee , any previous balance, and any BearBucks™ not previously paid is due before the due date.

For more information, click here.

5. After the initial payment, when will my remaining payments be due?
The remaining payments will be included on the monthly E-bill statements. Subsequent payments will be due the last day of the month, August, September, October, and November for the fall semester, and January, February, March, and April for the spring semester.

For more information, click here.

6. What happens if I have a change in financial aid awards, semester hours, meal plan or housing after the Installment Plan has been set?
The Installment Plan payments are calculated before the first monthly bill is generated. Any changes from that point are considered as a current due item.

For more information, click here.

7. What happens if I am late in making my payments?
Students whose accounts are past due are subject to "holds" on registration and transcripts. In addition, future participation in the Installment Plan may be denied.

For more information, click here.

8. Why do I have a transcript hold when my installment plan payments are current?
All students on the installment plan will automatically have a transcript hold placed on their student accounts until the balance is paid in full. If you need a transcript before your account is fully paid, contact the Cashier's Office.

9. Is there a fee if my payments are late?
No, however, registration and transcript holds may be placed on your account. Additionally, future participation in the Installment Plan may be denied.

10. Can I use the Installment Plan in the summer?
The Installment Plan is available in the summer semester. The Summer Installment Plan divides the financial obligation into two payments. Please add the summer installment plan fee of $24 to your first payment.

11. What is the Installment Plan?
Installment Plan information is found at the Student Financial Services Website.

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International Students

1. How can I find assistance to help with college expenses?
The following websites provide helpful information for international students seeking a higher education degree in the United States.
www.edupass.org/finaid
www.iefa.org
www.InternationalScholarships.com

2. Are international students eligible for student employment?
Priority for employment on campus is given to students who qualify for the Federal Work-Study program on a need-basis. After the first three weeks of classes in the fall, all students who want to work will be able to compete for on-campus positions for the remainder of the academic year. International students must initiate approval each semester from the office of International Student and Scholar Services. Job information is available on the web at www.baylor.edu/student_employment/

3. Are international students eligible for loans?
There are some alternative loan programs available to international students. Most loans will require the student to have a credit worthy U.S. citizen as a co-signer.

4. Are scholarships available for international students?
• New international undergraduate students have been considered for a merit scholarship based on the information on the application for admission to Baylor.
• Currently enrolled international Baylor students can be considered for merit scholarships based on their cumulative grade point average posted at Baylor. To apply, contact the Office of Academic Scholarships & Financial Aid early in the spring semester to complete a Merit Scholarship Request Form for consideration for the following fall. If you are already receiving merit assistance, you will automatically be reconsidered each year.

5. What types of aid other than scholarships am I eligible for as an international student?
If you are not an U.S. citizen or have a status with the U.S. Citizenship and Immigration Services as a "permanent resident," you will not be eligible for need-based scholarships, federal and state grants, and many loan programs. You may be eligible for student employment on campus after the first three weeks of classes in the fall if your status allows you to work in the U.S. There is no other non-merit aid available for international students except for commercial loans that require a credit worthy U.S. citizen to co-sign the loan.

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Loans

1. If I get a loan from one place, will that disqualify me for other loans or grants?
Since loans are part of the financial aid package, they are offered after grant eligibility has been determined. It is possible to receive loan funds from more than one loan source.

2. Are loans available that can be repaid after graduation?
Yes, there are several deferred loan options. For Stafford Loans and College Access Loans (CAL), repayment begins six months after the student ceases to be enrolled at least half time. Many alternative loans have deferred repayments as well. However, repayment of Federal Plus Loans, which are loans for parents of dependent undergraduate students, is not automatically deferred and repayment usually begins 30 to 60 days after the second disbursement of the loan unless the lender offers other options.

3. Is consideration given to parents who are paying off a loan for other children who have previously attended Baylor?
There is not a specific allowance in the formula for loans for siblings who are no longer in college.

4. How do I apply for a Federal Stafford Loan?
Everyone eligible for federal aid can pursue a Stafford Loan; however, you need to complete the Free Application for Federal Student Aid (FAFSA) to be considered.

5. What is "Loans by Web"?
"Loans by Web" is the online process to guarantee your Federal Stafford Loan for new borrowers at Baylor. If you have received an award letter and were offered a Stafford loan, after you accept the loan award, you will be notified to guarantee your loan on the Loans by Web website. You will choose a lender; complete the online application; and print, sign, and mail your promissory note to your lender.

6. Is "Loans by Web" the only way to pursue my Stafford Loan?
If you are a new borrower at Baylor, this is the preferred way to pursue the loan. If you are a previous borrower at Baylor, all that is required to pursue the loan is acceptance of your awards on BearWeb. Once the loan is guaranteed, it will appear as a memo (anticipated aid) on the student's tuition account.

7. Besides the Stafford Loan, are there other alternative loans that can be pursued?
Yes. Information to help you determine if an alternative loan is needed, and the best option for you, can be found in the 2010-2011 award booklet. (Students should reference the booklet online.) For alternative loans that are certified by our office, you may apply to borrow up to the cost of attendance less any other financial aid you have received. Please review our Alternative Lender List for additional information.

8. What is the difference between an unsubsidized loan and a subsidized loan?
For subsidized loans, the federal government pays the interest on the loan as long as the student is enrolled at least half-time and through the 6 month grace period after the student is no longer enrolled at least half-time. With unsubsidized loans, the interest always accrues even through periods of enrollment. The interest is then capitalized (or added to the principal balance) when the student enters repayment.

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Meal Plans

1. How do I select a meal plan?
Logon to BearWeb, choose Student and Financial Aid, then Registration. Choose Optional Fees and then select the term needed. You then may select your meal plan.

For more information go to www.baylor.edu/sfs/meal.

2. Why am I required to have a meal plan?
All Freshmen are required to select from the Classic, Works, Block 225 or Unlimited meal plan during their first two long semesters (fall, spring). If you are a Freshman and do not select one of the required meal plans, you will automatically be placed into the Classic meal plan.

All students living in Brooks Residential College are required to select from the Classic, Works, Block 225 or Unlimited meal plan. If you are living in Brooks Residential College and do not select one of the required meal plans, you will automatically be placed into the Classic meal plan.

3. If I am a Freshman athlete, who do I contact concerning meal plans?
You will need to contact your coach concerning mandatory meal plans, changing your meal plan, etc.

4. How do I change my meal plan?
Once you have selected a meal plan for the semester, you may cancel it or change to a smaller plan before or during the first 2 weeks of class. Email the Cashier's Office at cashiers_office@baylor.edu. (Be sure to include your full name and Baylor ID number.)

You may increase to a larger meal plan at any time in the semester.

Remember: "Freshmen" and students living in Brooks Residential College are required to have either the Classic, Works, Block 225 or Unlimited meal plan. If you are a "Freshman" or living in Brooks Residential College and do not select one of the required meal plan options, you will be assigned the Classic meal plan. For meal plan purposes, "Freshmen" are high school graduates who have not attended higher education for either a fall or spring semester after their high school graduation. This classification covers the first academic year the student is enrolled at Baylor.

Students who complete college hours during high school, and/or attend another university during the summer, and matriculate at Baylor in the fall are deemed "Freshmen" for the fall and spring semesters. Students graduating from high school in December and matriculating at Baylor in the spring are considered "Freshmen" for only the spring semester.

5. What is the difference between BearBucks™ and Dining Dollars?
Please visit our website for a comparison of the two programs.

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Personal Information

1. How do I notify Baylor of a change in address or telephone number?
You may update your address and telephone information on BearWeb, or you may contact the Records Office.

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Scholarships

1. Are there scholarships that currently enrolled students can apply for?
Our office offers a limited number of additional scholarships to returning students. We post these applications February 1st each year at Committee Scholarships. Please review carefully as application requirements and deadlines vary.

2. Are scholarships available for seminary students?
Scholarships for seminary students are awarded through the George W. Truett Seminary. Visit their website, or contact them by phone at 1-800-BAYLOR-U, Option 5.

3. Are scholarships available for law students?
Scholarships for law students are awarded through the Law School. Visit their website, or contact them by phone at (254) 710-1911.

4. Are scholarships available for graduate students?
For graduate school scholarships, contact the graduate department of your particular school of study. Visit the graduate school website, as well as the departmental website for your school of study.

5. If I receive a scholarship or grant, will my need-based aid be affected?
The federal government requires that scholarships and grants be applied to your eligibility as calculated by the Free Application for Federal Student Aid (FAFSA). Any additional funding you receive from any source may require an adjustment to your eligibility for federal or state aid. If adjustments are made, you will receive a revised award letter.

6. Are scholarships awarded for one year, or are there scholarships that are guaranteed for all four years?
Academic Baylor scholarships are renewable for up to eight semesters of undergraduate study provided you meet the renewal requirements. Need-based Baylor scholarships are renewable each year provided you meet the renewal requirements and continue to demonstrate need as determined by your FAFSA results. The amount of a need-based Baylor scholarship is subject to change based on your level of need as determined by each year's FAFSA.

7. Do you have scholarships for students studying in various academic departments or disciplines?
A numbered of endowed scholarships are designated for students studying in particular departments or pursuing specific majors. In most cases departmental scholarships are awarded on a merit and need basis through the Student Financial Aid Office with priority given to students in their junior and senior years. Students may also search for departmental scholarships online at Departmental Scholarships.

8. If I am not planning to complete a Free Application for Federal Student Aid (FAFSA), can I still apply for an academic scholarship?
Yes, if you were not offered an academic scholarship as a freshman or transfer student, you may complete an Academic Scholarship Request Form after you have completed 60 credit hours to apply for an academic scholarship for the following fall.

9. Are scholarships awarded for study abroad programs?
The Center for International Education offers study abroad scholarships. Information is available at their website.

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Transfer Courses

1. Where do I have my transcripts sent from another college to Baylor?
New Students - Admissions, One Bear Place 97056, Waco, Texas 76798

Continuing Students - Academic Records, One Bear Place 97068, Waco, Texas 76798.

2. How long does it take for my transfer courses to be added to my Baylor record?
Summer work - 4 weeks. Other times - 2-3 days.

3. What courses transfer to Baylor?
Baylor equivalent course lists by college name can be reviewed on our website.:

If a college is not listed, please call 710-1181. If a course is not listed, you must obtain permission from the department to transfer the course in as a Baylor equivalent and take it to Academic Records.

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Veterans

1. Does Baylor offer any financial aid for veterans?
No. You may call the Texas Veteran's Commission at 254-299-9950.

2. Does Baylor accept the Hazelwood Act of Texas veterans?
No.

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