The Department of Education has implemented federal regulations in an effort to prevent fraud and abuse in the Federal Student Aid Program by identifying students that have received federal Pell Grants and/or Direct Loans at multiple institutions for the last four consecutive funding years.
A financial aid application flagged “2” and “3” will be reviewed by the Office of Financial Aid for unusual enrollment history (UEH) to determine whether or not the student is enrolling only long enough to receive cash refunds of federal student aid.
The Office of Financial Aid at Columbia Southern University will review the student’s completed evaluation report including all official academic transcripts from all colleges and universities attended during the review period. If federal Pell Grants and/or Direct Loans were received and credit hours were not earned at each of the institutions attended, additional documentation will be requested. Documentation may be faxed to (251) 224-0590 or emailed to email@example.com.
All required documentation must be received and the UEH flag must be resolved before a student is eligible to receive federal student aid.
Unusual Enrollment Appeal
If after reviewing all supporting documentation a student is determined ineligible for federal student aid, he/she may appeal the determination by completing the Unusual Enrollment History Appeal Form and submitting any additional supporting documentation to the Office of Financial Aid. Students will be notified via email of the outcome of the appeal within 14 business days of receipt of all required documentation.
Regaining Federal Student Aid Eligibility
A student determined ineligible for federal student aid as a result of UEH will have the opportunity to regain their eligibility. To be considered for financial aid reinstatement a student must be unconditionally admitted to the university; earn credit in three 8 week Terms without officially or unofficially withdrawing from any attempted courses; and meeting Satisfactory Academic Progress (SAP) standards. If all requirements are met, a student must contact the Office of Financial Aid to determine reinstatement eligibility.
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CSU must check the accuracy of all applications the Central Processing System (CPS) selects for verification, with the exception of students receiving unsubsidized loans only. The CPS will select applicants for verification based on edit checks which identify inconsistencies and/or potential errors. CSU must also verify any application the university has reason to believe is incorrect or discrepant.
All financial aid applicants are encouraged to file federal income tax returns for applicant, parent and/or spouse as applicable, prior to completing the Free Application for Federal Student Aid (FAFSA). This will allow students and prospective students to utilize the IRS Data Retrieval tool when completing the FAFSA. The IRS Data Retrieval tool saves time and increases the accuracy of the financial information collected on the FAFSA. The IRS Data Retrieval tool is also the fastest and most secure solution for meeting verification requirements if applicable.
Students selected for verification will be sent an email notification with a secure username and password directing them to login to the CSU Financial Aid Portal. This portal will allow students to view all required financial aid documents, check the status of their financial aid application and view their financial aid award once complete. If CSU receives a subsequent FAFSA for a student selected for verification after they have been initially awarded federal financial aid, all future disbursements will be placed on hold. The student will be notified of the verification requirements and will have 30 days to complete the process. If verification is not complete, all previously disbursed federal financial aid will be returned which will result in a balance due on the student account.
The data reported on the verification worksheet, federal tax transcript and other supporting documentation provided is checked against the appropriate data elements on the FAFSA. All conflicting information will need to be corrected on the ISIR by the school or student as applicable and a new expected family contribution (EFC) will be calculated. Students will not be awarded federal financial aid until verification is complete. If CSU receives a subsequent ISIR affecting overall financial aid eligibility, the financial aid award will be adjusted as applicable. The updated information may require a return of already received federal student aid funds resulting in a balance due on the student account. A student will be notified via email of any changes and directed to login to the CSU Financial Aid Portal to view the updated award information and/or additional requirements.
CSU offers several term start dates throughout the award year. Below are the deadlines in which an unconditionally admitted student must have all required financial aid documents on file in order to enroll in an applicable term.
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Any student pursuing an undergraduate degree must be classified by grade level, as well as meet grade level progression in order to comply with the requirements of FSA and the William D. Ford Federal Direct Loan (Direct Loan) Program. Graduate students do not have grade level requirements.
Please refer to the table below to determine the grade level or the progression rate of an undergraduate student.
Loan Entrance/Exit Counseling (Required)
The U.S. Department of Education requires that any student receiving a direct loan complete loan entrance and exit counseling. Loan entrance counseling provides information to students concerning how to manage student loans, both during and after college. Exit Counseling is generally required once a student drops below half-time enrollment status, withdraws or graduates. The student must notify the CSU Office of Financial Aid prior to withdrawal or graduation for loan exit counseling. The purpose of loan exit counseling is to inform the student of their tentative total loans received while in attendance at CSU and to provide the student with an estimated payment schedule.
Borrower Rights & Responsibilities
The borrower has the right to receive the following information before leaving school.
The borrower has a responsibility to do the following.
When a student applies for financial aid, the amount of federal student aid (FSA) awarded is based on the cost of attendance for a full academic year. The academic year generally consists of 4 terms. The amount of FSA awarded for the academic year will be divided into four equal disbursements, not to exceed the established cost of attendance for each term.
Federal loans to students and Federal Pell Grant disbursements will not post to the students’ accounts until after day 14 of the term. After the first week of the term has ended, CSU will verify that the first week of assignments have been completed in all courses enrolled for that term. It is very important that a student completes the first week of instructional requirements; otherwise it will result in the student being institutionally dropped from the course(s). Any Pell eligible student institutionally dropped from a course(s) will have an adjustment to their award.
Once federal funds have been disbursed, students will receive a disbursement notice via email from the CSU Office of Financial Aid.
Note: This schedule is not a guarantee of delivery date and is contingent upon CSU successfully receiving your funds as scheduled. In the event of a delay in disbursement, these dates may vary.
If there is a credit balance remaining on a student’s account after all obligations are paid, a financial aid refund will be generated. Financial aid refunds are not generated until the instructors have completed their attendance verifications. The attendance verifications must be completed for each class that a student is registered for or the financial aid refund will be delayed.
Automated Clearing House (ACH) is the University’s preferred method for processing student refunds. The ACH method allows the University to deposit your refund directly into a U.S. checking or savings account. This is the most efficient and expeditious way to process a refund.
You may enroll in ACH deposit via mycsu.columbiasouthern.edu. You will need your bank routing number and your checking or savings account number. This information is available on the bottom of your checks or directly from your banking institution. We understand that many people may not carry checks. In this case, you should obtain a letter from your financial institution on their letterhead with the pertinent bank account routing information on it and return it with the ACH form.
PLEASE NOTE: International students may only receive ACH deposit into a U.S. checking or savings account.
If you do not sign up for the ACH method, a check for the credit balance will be mailed to your current address in our database.
If a student receiving Title IV funds ceases to be enrolled in a term, the Federal government mandates that CSU must determine the amount of Title IV earned as of the date the student officially or unofficially withdraws. The portion of Title IV a student is entitled to receive is calculated on a percentage basis by comparing the total number of calendar days in the term to the number of calendar days completed prior to withdrawing. For example, if a student withdraws from all courses after completing 20% of a term, they would be entitled to 20% of the aid awarded for the term and 80% of the aid awarded would be unearned and returned to the Federal government. If the percentage of aid earned is greater than 60%, the student is considered to have earned all aid for the term in which the student withdrew.
Return of Unearned Aid
In accordance with federal regulations, CSU is required to return all funds that were disbursed to the student in which the student was determined to be ineligible for based on the R2T4 calculation. A return of federal student aid funds could result in a balance due on a student account. The unearned aid will be returned to the Federal government in the following order:
The withdrawal date used to perform the R2T4 calculation is the date the student officially notifies CSU of their intent to withdraw.
The withdrawal date used to perform the R2T4 calculation for students who unofficially withdraw from all courses will be the midpoint of the term, or the last date of academically related activity; whichever is greater.
Post Withdrawal Disbursement
A student may be eligible to receive a post withdrawal disbursement if after performing a R2T4 calculation it is determined a student has earned additional awarded aid not yet disbursed. Students eligible to receive a post withdrawal loan disbursement will be sent an email notification and must provide authorization prior to the institution posting funds to a student account. All funds will be applied to any outstanding charges related to tuition and fees prior to issuing a stipend to the student.
This policy is subject to change in order to comply with administrative and regulatory requirements. Questions regarding this policy should be addressed to the Director of Financial Aid.
Students enrolled in the Term learning option that are unable to enroll in one or more terms, may apply for a temporary Leave of Absence (LOA) from the University. This policy is designed to allow a student the flexibility to take a temporary break from his or her academic program and upon return, a student is not be required to apply for readmission to the University. A student will not be granted a LOA in the middle of a term; therefore, for purposes of Title IV, a student granted a temporary LOA is considered withdrawn from the University during this time. A student is expected to complete all courses if currently enrolled in a term and apply for a LOA to begin at the start of the next term in the academic program. If a student is having difficulty or unable to complete all courses in the term they may apply for an incomplete, an incomplete for special circumstance or withdraw, in which case a Return of Title IV calculation may be required.
A student may apply for a LOA by submitting the Leave of Absence Request Form located in myCSU Student Portal. All requests must be submitted a minimum of three (3) weeks prior to the start of the term the student will be unable to attend. A temporary LOA from the University is granted only to a student planning to return to his or her academic program at the end of the LOA. In addition, for both undergraduate and graduate students, the LOA request may not exceed more than two consecutive terms within a 12 month period. A student may request more than one LOA during their academic program not to exceed two terms within a 12 month period.
Important facts concerning a LOA:
Important facts concerning a Leave of Absence:
Military/Special Services Leave of Absence Provision
Undergraduate and graduate students requiring a military or special services deployment may request a provisional LOA for the designated deployment period up to 12 consecutive months. A student may apply for a provisional LOA by submitting the Leave of Absence Request Form located in myCSU Student Portal. In addition, a student must provide supporting documentation regarding the nature and period of deployment from his or her commanding officer or supervisor. If the military or special services deployment occurs during a course, the student may be required to withdraw from the course or request an incomplete for special circumstances.
A student should contact his or her Academic Advisor and the Office of Financial Aid to discuss potential academic and financial implications prior to taking a LOA from his or her academic program.
Note: Students enrolled in the DBA program should refer to the DBA Leave of Absence Policy.
Federal regulations require CSU to establish and apply reasonable standards of Satisfactory Academic Progress (SAP) for eligible students to receive financial assistance under the programs authorized by Title IV of the Higher Education Act. CSU students who wish to be considered for financial aid must:
SAP is a financial aid eligibility requirement and is administered by the university in addition to the academic standards of performance required under the CSU Academic Progress Policy.
Students are evaluated for SAP at the end of every payment period. All students are evaluated on three standards: grade point average (qualitative measure), pace of completion (quantitative measure), and maximum timeframe. Students must meet all three standards to maintain eligibility for Title IV funds.
Standard 1: Grade Point Average (Qualitative Measure)
Students must maintain a minimum qualitative measure of progress defined as the cumulative GPA. The requirements are listed below:
Standard 2: Pace of Completion (Quantitative Measure)
Undergraduate students (either full-time or part-time) must achieve a passing rate of at least 67 percent of all credit hours attempted. Credit hours attempted include completed courses, repeated courses, withdrawals, and incompletes. Transfer credit, if applicable, is also calculated in the pace of completion as attempted and completed credit hours.
Graduate students must achieve a passing rate of a minimum of 50 percent of 0 to 9 attempted credit hours, a minimum of 60 percent of 10 to 18 attempted credit hours and 67 percent of 19 or more attempted credit hours. Attempted hours include completed courses, repeated courses, withdrawals, and incompletes. Transfer credit, if applicable, is also calculated in the pace of completion as attempted and completed credit hours.
Standard 3: Maximum Timeframe
Undergraduate students must complete their degree program within 150 percent of the semester hour requirements for the degree as published in the catalog. Students must complete an associate degree within 90 semester hours and a bachelor’s degree within 180 semester hours. Transfer credit, if applicable, is also calculated in the maximum timeframe calculation.
Graduate students must complete their degree requirements within 7 years of study in a specific graduate program. Doctoral students must complete their degree requirements within 10 years of study after completing their first class.
SAP Policy Notification
Students are notified of the SAP policy in the CSU catalog, website and during the initial financial aid application process. All periods of enrollment at CSU are calculated in SAP, including periods of enrollment during which a student did not receive financial aid.
Students are allowed to drop a course without any negative impact on SAP through the term “drop date” as listed on the academic calendar. A course designated as a “DP” does not count as attempted hours or in the GPA when determining SAP.
Official Course Withdrawal
A student who withdraws from one or more courses after the drop date will be issued a grade of “W”. Course withdrawals will count as attempted credit hours when measuring the maximum time frame and quantitative progress of SAP, but will not be included in the GPA. A student who withdraws from all attempted credit hours during the student’s first period of enrollment with CSU will also obtain an undefined GPA. An undefined GPA is equivalent to a 0.00 GPA.
Unofficial Course Withdrawal
A student who unofficially withdraws from one or more courses will be issued a grade of “WF”. Unofficial withdrawals will count as credit hours attempted when measuring the maximum time frame and quantitative SAP. A grade of “WF” counts as a grade of “F” when measuring qualitative SAP progress.
Transfer credits accepted toward the student’s degree program will be included as credit hours attempted and earned when calculating the SAP maximum timeframe and quantitative progress.
Students receiving Title IV Aid may repeat a course, as allowed under CSU academic policy. Repeated courses will be issued a grade of “R” and count as attempted credit hours toward the quantitative and maximum timeframe SAP standards. A grade of “R” does not count in qualitative determination of SAP.
Students receiving federal student aid may receive incomplete grades, as allowed under CSU academic policy. A grade of incomplete will count as credit hours attempted in determining SAP. Students issued a grade of incomplete while on SAP Financial Aid Warning will not be eligible to use federal student aid for subsequent payment periods, pending the resolution of the incomplete grade.
Change of Program
Generally, all periods of enrollment count when assessing satisfactory academic progress. All attempted credit hours will be included in making satisfactory academic progress determinations when a student changes degree programs (majors) at the same degree level (e.g. Bachelor to Bachelor).
SAP is evaluated after every payment period. Students who fail to meet the CGPA and /or pace of completion requirements of SAP will be notified and will be placed on SAP Financial Aid Warning for one term and are encouraged to work with their academic advisor to discuss enrollment options. A student placed on SAP Warning will be eligible to receive Federal student aid for one period of enrollment.
A student who exceeds the maximum time frame requirement of SAP will be ineligible to continue to receive federal student aid unless an appeal is granted, as described below.
A student who fails to meet one or more of the SAP standards at the end of the Financial Aid Warning period will be ineligible to receive federal student aid unless an appeal is granted.
Financial Aid Suspension Appeal
Students not meeting SAP at the end of the Financial Aid Warning period may appeal that determination if they have extenuating circumstances, such as injury or illness, the death of a relative, or other special circumstances. The appeal must contain the Financial Aid Suspension appeal form completed by the student and must explain and document why the student was not able to make satisfactory academic progress during the period of substandard academic performance, what has changed that will allow the student to meet satisfactory academic progress requirements at the next evaluation and a proposed Academic Plan leading to successful program completion prepared by the student’s academic advisor.
Maximum Time Frame Appeal
Students who reach or exceed the maximum time frame allowed while completing their first degree are no longer eligible to receive federal student aid. Students may appeal this decision. The appeal must contain the MTF appeal form completed by the student and student’s academic advisor, a detailed explanation and supporting documentation of any unusual circumstances such as injury, illness, death of a relative, or other special circumstances that prevented the student from obtaining a degree within the 150% credit hour requirement. The appeal must also include a proposed Academic Plan leading to successful program completion prepared by the student’s academic advisor to include expected graduation date and credit hours remaining in the degree program. If the appeal is approved, aid will be awarded only for the remaining credits required for the completion of the degree.
Maximum Time Frame Appeal – Multiple Degrees
CSU includes all attempted hours at a program level (i.e. Associate or Bachelor) as attempted hours when calculating the maximum time frame allowed for degree completion. For example, if a student attempts 120 hours and earns a Bachelor Degree with CSU and wants to pursue a second Bachelor’s degree at CSU, all 120 hours will count as attempted hours in maximum time frame calculation of SAP. Students who reach or exceed the maximum time frame allowed while pursuing multiple degrees at the same degree level may have their maximum time frame adjusted if an appeal is granted. The student appeal must include the MTF appeal form completed by the student and student’s academic advisor to include expected graduate date and hours required for degree completion and detailed explanation of rationale for pursuing multiple degrees. If the appeal is approved, aid will be awarded only for the remaining credits required for the completion of the degree.
Submission of Appeal
Students will be sent an email notification from the Office of Financial Aid to include the appeal form once a student becomes ineligible to received federal student aid due to a negative SAP determination. Appeals should be submitted in writing and addressed to: Columbia Southern University, SAP Appeals Committee, Office of Financial Aid, 21982 University Lane, Orange Beach, AL 36561 or emailed to Attention: SAP Appeals Committee at SapAppeals@columbiasouthern.edu. Appeals without supporting documentation will not be considered. The committee will make every effort to consider each appeal carefully and provide a decision within seven to 10 business days.
SAP Financial Aid Probation
Appeals that are approved will result in a student being placed on SAP Financial Aid Probation. While on SAP Financial Aid Probation, students will be evaluated at the end of each payment period to ensure the student is meeting SAP and/or the conditions of the Academic Plan.
Reinstatement of Financial Aid
If a student’s appeal is denied or a student does not wish to appeal, a student may regain eligibility by enrolling in and successfully completing courses in his or her degree program without the use of federal student aid. A student may request financial aid reinstatement once he/she successfully completes enough credits to meet the minimum SAP standards. A student should contact firstname.lastname@example.org in writing if the student feels he or she has regained financial aid eligibility and wishes to be reinstated.
According to federal law, a student who has been convicted of the sale or possession of illegal drugs under any federal or state law during a period of enrollment for which the student was receiving financial aid (grant, loans, and/or work-study) is not eligible for federal student aid. A conviction that was reversed, set aside, or removed from the student's record does not affect federal student aid eligibility, nor does a conviction received when the student was a minor, unless the student was tried as an adult.
If the student was convicted of both possessing and selling illegal drugs and the period of ineligibility are different, the student may be ineligible for federal student aid for a longer period of time.
A student regains eligibility the day after the period of ineligibility ends or when he successfully completes a qualified drug rehabilitation program. Further drug convictions will impact federal student aid eligibility as well.
For more information, please review FAFSA’s Student Eligibility Worksheet.