Student Financial Services
Student Financial Services FAQs

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Authorized User(s)

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

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. How do I apply for a Direct subsidized or unsubsidized loan?
2. What if my credit isn't good enough and I am denied for a PLUS Loan?

Financial Aid Eligibility

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?
10. Am I required to complete the CSS Profile?

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 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 the guaranteed tuition option 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. I have completed the CSS Profile but need to make corrections. How do I do that?
6. How do I get a fee waiver for the CSS Profile?

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 previously attended college?
4. What is the difference between an unsubsidized loan and a subsidized loan?
5. How do my parents apply for a Direct PLUS loan?
6. I am not sure my credit is good enough to qualify for a PLUS Loan. Can I find out somehow?

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. Does Baylor offer any additional scholarships to currently enrolled students?
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?

Veterans

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




Authorized User(s)

1. What is an Authorized User?
The Family Educational Rights and Privacy Act (FERPA) generally prohibits the release of information from educational and financial records without the student's consent. Adding an Authorized User in the E-Bill System is a student's written consent that an individual may view account information, make payments on their behalf, and communicate with Student Financial Services regarding their student account. In addition, per federal regulations, if a parent uses tax information to help a dependent (i.e., filling out the FAFSA), financial information can be shared with that particular parent. An Authorized User does not have access to a student's grades or other academic records.
More Information: http://www.baylor.edu/sfs/authorize

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

  • Login to the E-Bill System
  • 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: http://www.baylor.edu/sfs/authorize

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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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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 bill 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: http://www.baylor.edu/sfs/authorize

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 Financial Services.
  • Choose Student Account.
  • Choose Refund by Direct Deposit - Bank Information.
  • 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 Financial Services.
  • Choose Student Account.
  • Choose Refund by Direct Deposit - Bank Information.
  • 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. How do I apply for a Direct subsidized or unsubsidized loan?
Complete the FAFSA. Baylor's school code is 003545. Baylor normally receives results of the FAFSA from the federal processor within 3 to 5 business days.

2. 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 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 Aid Eligibility

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 complete 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. You need to complete the FAFSA after January 1 (with a priority deadline of March 1) to receive a financial aid award notification.

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.

10. Am I required to complete the CSS Profile?
Unless you are an international student applying for a specific scholarship, you are not required to complete the CSS Profile for the 2015-2016 year. If you would like to be considered for need-based financial aid, you need only complete the FAFSA.

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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. Login and choose Student Financial Services, then Student Account, then Confirm Your 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 semester bill?
An amount shown as "Previous Balance" on your semester bill is any unpaid charge from a prior term as of the bill date.

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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 92% 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 FAFSA. Baylor's school code is 003545. Baylor normally receives results of the FAFSA from the federal processor within 3 to 5 business days.

2. How do I apply for the Tuition Equalization Grant (TEG)?
Only Texas residents can be considered for TEG. You must complete the FAFSA for us to determine your eligibility. Baylor awards this need-based grant to students seeking their first undergraduate degree. Recipients must maintain full-time enrollment, meet academic requirements, and continue to demonstrate financial need for renewal. Students receiving an athletic scholarship and students pursuing certain ministerial vocations are not eligible. Recipients must complete a Texas Core Residency Questionnaire to confirm their status as a Texas resident before credit can be issued to their student account.

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Guaranteed Tuition

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

For more information, go to www.baylor.edu/sfs/gto.

2. How long is this tuition rate guaranteed?
Once selected in the fall of 2015, the student has 48 months to take as many semester hours as desired and pay the guaranteed rate of $18,945.00 per semester for long semesters ($1,579.00 per semester hour if taking less than 12 hours) and $1,184.00 per hour beginning Summer 2016 and subsequent summers during that 48 month period.

For more information, go to www.baylor.edu/sfs/gto.

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, go to www.baylor.edu/sfs/gto.

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, go to www.baylor.edu/sfs/gto.

5. When do I have to select the guaranteed tuition option?
Student may enroll in the 2015-16 Guaranteed Tuition Option during New Student Orientation in June. The deadline to elect to participate is July 31, 2015 (the Financial Settlement due date for Fall 2015).

For more information, go to www.baylor.edu/sfs/gto.

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 2015 semester, you may continue paying the same tuition rate through the summer semester of 2019.

For more information, go to www.baylor.edu/sfs/gto.

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, go to www.baylor.edu/sfs/gto.

8. How do I sign up for guaranteed tuition?
Students may begin enroll in the 2015-16 Guaranteed Tuition Option via BearWeb during New Student Orientation in June. The deadline to elect to participate is July 31, 2015.

For more information, go to www.baylor.edu/sfs/gto.

9. What if I decide to cancel my option to participate in the guaranteed tuition plan?
Simply provide written notice to the Cashier's Office by email. Notification received within the first two weeks of a semester will make it effective with that semester; thereafter, it will become effective with the following semester.

For more information, go to www.baylor.edu/sfs/gto.

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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 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. Click HERE for additional information.

4. Are scholarships available for international students?
If you were not awarded an academic scholarship at the time of admission, you may complete an Academic Scholarship Request Form in February for the following academic year, provided you have completed 60 semester hours with a 3.5 cumulative Baylor GPA. Baylor also offers a limited number of Baylor International Student Scholarships. Please check your goBaylor account for instructions. Please note that this scholarship requires submission of the CSS profile.

5. I have completed the CSS Profile but need to make corrections. How do I do that?
To make corrections, please print out a copy of your CSS Profile results. You will then need to mark the changes on the printout and initial by each correction. Finally, submit these corrected pages to our office by email, fax or mail.

6. How do I get a fee waiver for the CSS Profile?
Baylor offers fee waivers to students from certain countries (Benin, Cameroon, Ghana, Nigeria and Togo) for which the College Board does not accept credit card payments. If you are a student from one of these countries, please contact our office for more information.

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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 Direct Subsidized and Unsubsidized 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. Repayment of Federal PLUS and GradPLUS Loans may be deferred or begin 60 days after the last disbursement of the loan. Additional information can be found HERE.

3. Is consideration given to parents who are paying off a loan for other children who previously attended college?
Unfortunately, parents' repayment of their own educational loans or loans for other children are not taken into consideration in determining their current student's financial aid eligibility.

4. 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. With unsubsidized loans, the borrower is responsible for interest that accrues; however, students may choose to make interest payments at any time without penalty to avoid capitalization (or added to the principal balance).

5. How do my parents apply for a Direct PLUS loan?
Instructions for applying for a Direct PLUS appear on our webpage.

6. I am not sure my credit is good enough to qualify for a PLUS Loan. Can I find out somehow?
Federal regulations currently 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. Under the new provisions in place for any PLUS Loan credit check conducted on or after March 29, 2015, an applicant will be determined to have an adverse credit history if the total combined outstanding balance of the debts, including debts in collection or charged off during the two years preceding the date of the credit report, is greater than $2,085.

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Meal Plans

1. How do I select a meal plan?
Login to BearWeb, choose Student Financial Services, then Student Account, then Meal Plans - Add/Change and then select the term needed. You then may select your meal plan.

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

2. Why am I required to have a meal plan?
All freshmen, all residents of Brooks Residential College, and all residents of Teal Residential College are required to select from the top four meal plans. If you are a freshman or live in either Brooks Residential College or Teal Residential College and do not select one of the required meal plans, you will automatically be placed into the Weekday 100 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 during the semester.

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 who graduate from high school in December and matriculate at Baylor in the spring are considered freshmen for that 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 Office of the Registrar.

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Scholarships

1. Does Baylor offer any additional scholarships to currently enrolled students?
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. Whenever possible, we first reduce Federal Work-Study (FWS) or loans. 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, these scholarships are awarded by academic departments on a merit and/or need basis 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?
Academic scholarships do not require completion of the FAFSA. If you were not awarded an academic scholarship at the time of admission, you may complete an Academic Scholarship Request Form in February for the following academic year, provided you have completed 60 semester hours with a 3.5 cumulative Baylor GPA.

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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Veterans

1. Does Baylor offer any financial aid for veterans?
Information regarding VA Educational Benefits can be found here.

2. Does Baylor accept the Hazelwood Act of Texas veterans?
No. This benefit is only available at public institutions of higher education in Texas.

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