Finances & Financial Aid

Financial Arrangements

The Bursar seeks the cooperation of students in working out the necessary financial arrangements for keeping current in the responsibilities for their student account.

While some students pay the full amount of university costs at the time of registration each term, payment plans are available if a student is unable to pay all costs at registration. If a traditional student is unable to pay in full by the end of the first week of the semester, the student will automatically be enrolled in the 3-month payment plan.

Payment Plans: Payments may be made by course or monthly payments may be arranged by contacting the Student Accounts Office at (913) 971-3504.

3-, 4- and 5-Month Payment Plans for Traditional Students: You may choose from one of three options to spread payments over three, four or five months per academic semester. The due date for the first payment is dependent upon the payment plan selected. For the fall semester it will be on the 1st of July, August or September and for the spring semester it will be on the 1st of December, January or February. The payment plan enrollment fee is Forty dollars ($40) per semester and a 10% deposit is due when enrolling. You must re-enroll in the payment plan online each semester.

Whichever option you choose each semester, the account balance for that semester must have been paid in full by no later than the 5th of November for the fall semester and the 5th of April for the spring semester to avoid interest charges on the unpaid balance due.

The amount due for each payment may vary if charges are added to the account by the student.

Payments can be made by bank draft or debit/credit card (MasterCard, Visa, American Express, or Discover all have a 2.75% credit card fee whether online, by phone or in person). An e-mail reminder will be sent five days before the due date of your next installment payment and then also as an acknowledgement each time a payment is made. Payments not received by midnight on the due date will be assessed a thirty dollar ($30) late fee. If payments are not made by the end of the payment plan period, an interest charge of 1.25% will be assessed monthly to any outstanding balance remaining on the student’s account.

Continuation and re-enrollment in the payment plan is dependent upon satisfactory performance of the agreed-upon payment obligations, as well as academic progress, and may be discontinued at the sole discretion of the University at any time.

Students will not be allowed to complete enrollment - “Finalize” - without payment in full, successful sign up and 1st payment toward a payment plan or paying in full with financial aid. Enrollment may be cancelled if financial aid is not complete or they have not paid the balance in full or paid the first payment of the payment plan by the fifth day of the semester.

If payments are not kept current according to the Self-Service Banner Financial Responsibility form, any or all of the following steps may be taken until satisfactory arrangements are approved by the Vice President for Finance:

1. The student will not be permitted to continue in college;
2. The student will not be permitted to enroll for the following semester.

Other Policies for all Students

1. Students owing the university at the end of a semester will not be permitted to enroll for another semester without making satisfactory financial arrangements with the Bursar.
2. Transcripts will not be released until all accounts have been paid in full and university administered loan payments are current. When clearing a past-due student account to receive a transcript, payment must be made by cashier’s check, credit card or personal money order if immediate clearance is needed. If payment is made by personal check, a waiting period of 15 days is necessary for the check to clear the bank.
3. Graduating students must have their accounts paid in full before participating in graduation exercises, receiving diplomas and official transcripts.
4. Institutional scholarships must be applied to tuition, fees and residential charges.
5. All financial aid must be applied to the account balance before the student receives credit balances.
6. Cash refunds can only be created by outside funded scholarships, loans, grants, or payments.
7. Books and supplies cannot be charged on the student account unless using a voucher approved by Student Financial Aid Services. See the Office of Student Financial Aid Services for more information.

Tuition and Fees

Costs for programs are determined each year and include tuition and fees. The university, however, reserves the right to make additional changes to tuition and fees without notice as it deems necessary. Please examine the Tuition and Fees schedule on the university’s website for current costs. You can also contact the Admissions Office for more information.

Charges and Fees for Academic Year 2024-2025

Traditional Comprehensive Tuition

• Undergraduate Block Tuition (12 to 17 credit hours per semester):
  • Per semester: $18,087
  • Per academic year = $36,174
• Undergraduate Tuition per Credit Hour under 12 hours: $1,257
• Undergraduate Tuition per Credit Hour over 17 hours: $1,082
• Undergraduate Tuition for Senior Citizens: No charge
  • 65 and older
  • subject to space available
• Summer Term per Credit Hour: See Cashier’s Office

Food and Housing Per Semester

Commuter students can load funds onto their MNU ID card for use in the dining hall and other campus facilities at https://oncampusdining.com/mnu/. Please see Pioneer College Caterers staff for more information.

Additional charge for single room, per semester: $1,375

Single room availability is limited. Rooms are reserved first for students with documented special needs. Single room fee applies to the lowest cost room offered in the designated building/living area, regardless of reason for single room need.

Supplemental Fees

• Academic Admissions Deposit for New Students: $100
  • Credited to account
• Housing Deposit for New Students: $100
  • Held in deposit account
• Advanced Placement Assessment fee: $50/semester hour
• Audit Fee per Credit Hour: $175
• Audit Fee for Senior Citizens: No Charge
  • 65 and older
  • Subject to space available
• Change in Final Examination Schedule: $25/course
• Credit by Exam: $50/credit hour
• Graduation Fee: $100
• Laboratory/Course Fees: $45-$756
  • Varies by department and course
• Late Registration Fee: $50
• Late Payment Charge: $30
• Nursing Fees:
  • There are a variety of expenses over and above college tuition and fees that apply to nursing students.
  • See the Nursing Department Student Handbook for details.
• Private Music Lessons per credit hour: $300
  • Plus tuition
  • Private music lessons are not refundable after the first week of the semester
• Recital fee: $40-200
• Re-enrollment fee: $50
  • If courses are dropped due to non-payment
• Replacement of ID: $10
• Replacement of Parking Sticker: $5
• Service charge: 1.25% per month
  • on unpaid account balance
• Student Teaching Fee: $235
• Student Health Insurance: Per semester
  • See Cashier’s Office for current fee
• Transcripts
  • Official: $10.25
  • Unofficial: $3.25
• Technology Fee
  • Full time students: $500/semester
  • Half time students (4-6 credit hours): $250/semester
  • Does not apply to students enrolled in 3 hours or less, dual credit high school students, or homeschooled students.

Please note, charges and fees are for the 2024-2025 academic year and are subject to change without notice at the discretion of the university. Additional information can be found at www.mnu.edu/SFA-Indirect-Costs.

Special Housing Fees and Board Charges

• Daily Housing Fees for vacation periods and summer if available: $25/day
  • For full Summer or while attending Summer Class
• Approval and vacation room assignments are given by the Office of Student Development.

Insurance

Traditional students are automatically enrolled in a low-cost group health insurance plan and the associated charges added to their student account during registration. Students who are covered by their own or their parent’s health plan may opt out of this coverage. Information about insurance coverage and cost is available from the Cashier’s Office, located in the Lunn Building or by calling 913-971-3504.

Residential students are also encouraged to obtain renters insurance from the provider of their choice as the university is not responsible for lost, stolen, or damaged personal property.

Refund Schedule

Graduate and Professional Studies Programs need to check their individual program catalogs for refund schedules.

Meals:

Semester meal charges are pro-rated as of the date of final meal used in the cafeteria as part of the withdrawal process coordinated by the Academic Success Coach in conjunction with Residential Life.

Housing:

Semester housing charges are pro-rated when withdrawing from classes as of the date of move out used as part of the withdrawal process coordinated by the Academic Success Coach in conjunction with Residential Life. Semester charges are not pro-rated or refunded if you move off campus after the semester has started. The housing deposit will be refunded within 30 days after a student withdraws or graduates provided there are no fines and no furniture or room damage. If the student owes a balance on their student account, the deposit will be applied to the balance.

Tuition:

First week of classes: 100%
Second week of classes: 90%
Third week of classes: 80%
Fourth week of classes: 60%
Fifth week of classes: 40%
Sixth week of classes: 25%
Seventh week of classes: 10%

• After the first week of classes, there will be no refund of Student Fees, Private Lesson fees, or Course Fees.
• The date for calculating the refund is the date that the withdrawal process is initiated with the Director of Persistence.
• Students called to active military duty during a semester will receive a full tuition refund for courses that are dropped. Appropriate documentation for active military duty must be provided to the Registrar’s Office.

Summer Term:

Dates and pro-rated percentages for the summer term are available in the Student Accounts office.

Refund Policy

These refund policies conform with the requirements of the Higher Education Act Amendments of 1998. Based on the federal calculation, the unearned percentage of aid received for the semester must be returned if the student withdrawal is prior to the 60% completion time of the payment period.

Professional and Graduate Program Tuition

Professional and graduate program tuition and fee rates vary by program in light of industry or specialty area. See the MNU website for program specific information.

Accelerated Courses/Programs Return of Tuition and Fee Charges

If a student withdraws from a course at the university, they may receive a return of tuition and/or fees based upon the following schedule. The return shall be calculated using the official date of formal notification in writing from the student. Academic Departments are expected to complete the withdrawal form in a timely manner as guided by the academic calendar. A student who withdraws from classes after the tuition and/or fee credit return period does not qualify for a refund or return of tuition.

Changes in Registration

NOTE: This policy does not apply to continuing education classes.

Federal Title IV Refund Policy

These refund policies conform to the requirements of the Higher Education Act Amendments of 1998. Based on the federal calculation (Return to Title IV), the unearned percentage of aid received for the term must be returned if the student withdrawal is prior to the 60% completion time of the payment period. The federal refund is calculated using the last date of academic activity, when available.

Student Financial Aid Services

MidAmerica Nazarene University offers a limited range of financial assistance in the form of grants and loans to as many undergraduate students as its own and federal funds allow.

For families or students not eligible for grants and loans, alternative sources to help meet the cost of college are sought. In addition, manageable payment plans are offered by MNU. The Office of Student Financial Aid Services seeks to help students determine their resources and provide sufficient financial aid to meet needs. Students should seek the assistance of the office before they experience financial difficulty.

Qualifying for Financial Aid

Most students attending MNU qualify for some form of financial aid. The majority of financial aid at MidAmerica is offered based on a student’s financial need and student performance. Generally, aid may be in the form of grants and scholarships (which need not be paid back) as well as loans (which must be repaid). Financial need is the student’s cost of attendance minus the Student Aid Index (SAI). The Student Aid Index is derived from the financial figures declared on the Free Application for Federal Student Aid (FAFSA). Based on the financial figures and a formula set by the Department of Education, a Student Aid Index (SAI) is assigned to each family. The student’s financial need determines whether he/she will be eligible for grants or loans or a combination of both. This may take the form of grants, loans, Federal College Work Study, or a combination of the three.

Applying for Financial Aid

The process for making application for financial aid is as follows:

1. Complete the Free Application for Federal Student Aid (FAFSA) information for the appropriate year at https://studentaid.gov/h/apply-for-aid/fafsa. Students should file as early as possible after October 1 of the prior year as some aid is determined on a first come/first serve basis. Contact Student Financial Aid Services to determine which FAFSA year to use. It will be based on the date your program begins. If you have not created a new FAFSA ID (replaces the Federal PIN system), you can select “Create an FSA ID” from the FAFSA page to electronically sign your FAFSA. Be careful to complete the appropriate program application. Students must be ACCEPTED for admission to MNU in order to receive an official financial aid award offer. Be certain all academic transcripts and other requirements are submitted to MNU as soon as possible after the application for admission is submitted.
2. Send FAFSA results to MNU by entering the MNU Federal School Code 007032 on your FAFSA.
3. Respond to instructional emails sent to the email address on your FAFSA. For dependent students, at least one parent must create their own FSA ID.
4. Accept/Decline/Modify each individual Financial Aid offer online and complete all requirements listed on your Self-Service Banner account. Instructions will be in the email sent to you.
5. All financial aid forms and requirements must be complete prior to starting your program. If not, you may be required to make a down payment at orientation or the first day of class, whichever is earlier.
6. Contact Student Financial Aid Services at 913-971-3298, or finaid@mnu.edu with your anticipated program start date if you have not applied for admission when completing the FAFSA.
   General Information for all Professional Undergraduate and Graduate Studies Students:
   • The FAFSA applies to the fall, spring, and summer terms for an aid year. Typically, the student will be required to complete two or more different aid year FAFSAs during the course of a program.
   • Graduate students must be enrolled for a minimum of 3 hours per term to be eligible for financial aid.
   • Undergraduate students must be enrolled for a minimum of 6 hours per term to be eligible for financial aid. These classes need not be in the same module, but must be within the same term.
   • MNU is a member of the National Student Loan Clearinghouse, to which enrollment information is reported on the 10th of each month. In most cases, the student will not need to complete a student deferment form.
   • After the first term of enrollment, both undergraduate and graduate students must maintain Satisfactory Academic Progress (SAP), which is explained later in this section.
   • All records are held in strict confidence. No file is available for public use unless authorization is received in writing from the student.

Financial Aid Program Available

Federal Aid

Students who have already obtained their bachelors degree are eligible for student loans (Federal Direct Stafford Loans), but not for federal and state grants. Graduate Students are only eligible for Federal Direct Unsubsidized Loans. Students in default on previous student loans are not eligible for federal financial aid.

Federal Pell Grant -Offered to students seeking their first bachelors degree who demonstrate a high financial need. Students must be full-time to receive their full Pell grant offer but may receive a pro-rated amount if part-time.

Federal Supplemental Education Opportunity Grant (SEOG) - Offered to PELL recipients showing strong financial need. Students must be enrolled at least 1/2 time to be eligible for SEOG, and funding is limited.

Federal Direct Subsidized Stafford Loan -Offered to undergraduate students who demonstrate financial need. A student must be enrolled at least half-time to be eligible. The interest is subsidized by the Department of Education while the student is enrolled at least half-time. Maximum offer amounts vary by financial need and federally mandated grade level maximums. Repayment begins six months after a student graduates or ceases to be enrolled at least half-time.

Federal Direct Unsubsidized Stafford Loan - Available to students regardless of need. A student must be enrolled at least half-time to be eligible. Interest accrues and is calculated only on paid disbursements. Interest payments while enrolled as a half-time or greater student are optional. Maximum offer amounts vary by dependency status, any Federal Subsidized Stafford Loan received during the aid year, and grade level maximums set to federal regulations. Repayment begins six months after a student graduates or ceases to be enrolled at least half-time.

Federal PLUS - Available to graduate students and parents of dependent undergraduate students regardless of income. A parent or graduate/professional student with an adverse credit history is prohibited from borrowing. Borrowing is limited to the difference of the cost of attendance minus the student’s financial aid for the aid year. Repayment is generally required once the loan is fully disbursed, but borrowers may request in-school forbearance to delay the start of payments. To receive a Federal PLUS, the student must be enrolled at least half-time. Interest accrues on any amounts disbursed and continues until the loan is paid in full.

Federal Work Study (FWS) – Federal Work Study is offered based on financial need, early FAFSA application and indicating an interest in FWS on the FAFSA. Funding is limited for the program. The FWS program allows students to work, usually on campus, and earn a paycheck. Students have the option to apply their paychecks to their account or use it for other expenses. These funds do not count towards a student’s account balance like other scholarships or loans.

Federal TEACH Grant - Through the College Cost Reduction and Access Act of 2007, Congress created the Teacher Education Assistance for College and Higher Education (TEACH) Grant Program that provides grants of up to $4,000 per year to full-time students. Professional/Graduate students may be eligible for a maximum of $8,000 lifetime limit. Undergraduate students may be eligible for a maximum lifetime limit of $16,000.

To receive a Federal TEACH Grant you must meet the following criteria:

• Complete the Free Application for Federal Student Aid (FAFSA), although you do not have to demonstrate financial need.
• Be a U.S. citizen or eligible non-citizen.
• Be enrolled in coursework that is necessary to begin a career in teaching or plan to complete such coursework.
• Meet certain academic achievement requirements:
  1. Scoring above the 75th percentile on a college admission test(s): ACT, SAT or GRE or
  2. Graduate from high school (or transfer to MNU) with a cumulative GPA of at least 3.25 on a 4.0 scale. This cumulative GPA must be maintained throughout the academic program for which you are offered the Federal TEACH Grant.
  3. Professional/Graduate students must have a 3.25 GPA from their undergraduate program. This cumulative GPA (both graduate and undergraduate), must be maintained throughout the academic program for which you are offered the Federal TEACH Grant.
• Complete TEACH Grant counseling for each aid year found at https://studentaid.gov/teach-grant-program.
• Sign a TEACH Grant Agreement to Serve each year.

In exchange for receiving a TEACH Grant, you must agree to serve as a full-time teacher in a high need field in an elementary or secondary school that serves low-income students. As a recipient of a TEACH Grant, you must teach for at least four academic years within eight calendar years of completing the program of study for which you received a TEACH Grant. You must be a highly-qualified, full-time teacher as defined by the U.S. Department of Education. A full-time teacher of a high-need field is one who spends the majority (at least 51%) of time teaching in one of the high-need subject areas. Most elementary teachers will not be eligible due to this 51% requirement. Schools serving low-income students include any elementary or secondary school that is listed in the Department of Education’s Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits. The directory may be found at https://studentaid.gov/tcli.

IMPORTANT: If you fail to complete this service obligation, all amounts of TEACH Grants that you received will be converted to a Federal Direct Unsubsidized Stafford Loan. You must then repay this loan to the U.S. Department of Education. You will be charged interest from the date the grant(s) was disbursed.

MNU Graduate Designated Programs:

• M.S. in Elementary Education Unified
• M.S. in Studies in Education (non-licensure)
• M.S. in Educational Technology
• M.Ed. in Reading Specialist
• M.Ed. in Secondary Education Transition to Teaching (restricted licensure)

MNU Undergraduate Designated Programs:

• B.S. in Elementary Education Unified

State Aid

For residents of Kansas who attend MNU, the state offers financial aid programs to help defray the cost of education. More details can be found on the Kansas Regents website by going to http://www.kansasregents.org/students/student_financial_aid.

Kansas Comprehensive Grant (KCG) - Offered to residents of Kansas who attend a private college within the state. Grants are based on “high” financial need and early application. MNU encourages all Kansas residents to complete the FAFSA early to ensure consideration for the KCG. For more information on the KCG go to https://www.kansasregents.org/scholarships_and_grants.

Kansas Scholarship Programs – Includes the Kansas State Scholar, the Nursing Scholar, the Minority Scholar, and the Teacher Scholar. A separate application is required for these scholarships. These applications may be obtained online or from your high school counselor and must be completed each year by May 1. The online application may be found at https://sfa.kansasregents.org/login.jsp.

Kansas Promise Act Scholarship - The Kansas Promise Act Scholarship is applied after all other Federal aid and scholarships have been reduced from a student’s account. This scholarship pays for tuition, fees, books and supplies. To be considered for the Kansas Promise Scholarship, students must meet the following criteria:

• Must be a United States Citizen and Kansas resident
• Have a family household income of:
  • $100,000 or less for a family of one or two
  • $150,000 or less for a family of three
  • or for household sizes above three, a household income that is equal to or less than the family of three amount plus $4,800 for each additional family member
• Must meet one of the following requirements:
  • Have graduated from a Kansas public or private high school within the preceding 12 months or have received a GED or other high school equivalency credential within the preceding 12 months
  • Have been a resident of Kansas for the preceding three or more consecutive years
  • Are a dependent child or a military service member stationed in another state, and who, within the preceding 12 months, graduated from any out-of-state high school or obtained a GED or other high school equivalency credential
  • Have been in the custody of the secretary of children and families at any time when enrolled in and attending any of the grades 9-12 AND NOT be eligible for assistance under the Kansas Foster Child Educational Assistance Act
• Be admitted to, enrolled in, and pursue a Promise Act eligible program at MidAmerica Nazarene University which include:
  • Certificate in Informatics
  • Certificate in Cybersecurity
  • Associate of Applied Science in Software Design and Development
  • Associate of Applied Science in Cybersecurity

For more information, please visit: https://www.kansasregents.org/students/student_financial_aid/promise-act-scholarship.

All federal and state financial aid is disbursed on the student’s account in two disbursements (including the Federal Direct Parent Loan (PLUS)). The estimated disbursement dates are set to begin at the start of each term. First-time MNU students will not receive a student loan disbursement until they complete the required loan entrance counseling and execute a Master Promissory Note for the accepted loans.

Institutional Scholarships

Institutional scholarships are provided to assist students in paying tuition. MNU scholarships are only for students enrolled in the traditional programs who are seeking their bachelor degree. Most students are not eligible for any institutional scholarships when attending off-campus study programs. For more information regarding scholarships for off-campus programs see the Student Financial Aid Services Office in Lunn Hall.

Scholarships provided through university funds (academic, athletic, tuition remission, endowment, church matching, etc.) cannot create a cash refund for the student. Any excess amount above the direct cost of attendance charged by the university (tuition, fees, room, board) will be labeled “Institutional Over Award” and will be returned to the appropriate scholarship fund. Cash refunds can only be created by outside funded scholarships, grants, or loan programs.

All tuition related scholarships (tuition remission, ministerial, honors program, and academic) cannot exceed the cost of tuition. Any excess amount will be returned to the appropriate scholarship fund.

Talent Scholarships

God-given talents are important to MidAmerica Nazarene University. MNU has created several talent scholarships. These scholarships are primarily offered to a student based on talent, exceptional ability, or leadership qualities and include the following:

Athletic Scholarships – Available for both men and women for MNU sports. Scholarship amounts vary based on perceived ability. Contact the Athletic Department for more information.

Performing Arts Scholarships – Several scholarships are available each year to students who show a proficiency in performing arts. Scholarships are offered based on an audition. Contact the Department of Arts and Humanities for more information.

Department Scholarships – Many academic departments reward students within their department with scholarships for exceptional abilities and leadership qualities shown. Contact the appropriate department chair or associate dean for more information.

Church Matching Scholarships

All full-time undergraduate students without a bachelor’s degree may be eligible for this scholarship provided:

1. their home church has agreed to participate in the program, and
2. the student is full-time (at least 12 hours).

A scholarship of up to $500 per year per student from a participating church is given a one-to-one match for traditional students by MNU to a maximum of $500 per year (this is applied at the maximum rate of $250 per semester).

Pastors Dependent Scholarships

This scholarship is available to dependent children of active full-time salaried pastors. To qualify, students must be 23 years of age or less. Students must be enrolled full-time in MNU’s traditional baccalaureate program working toward their first degree. Students are eligible for the grant for four years (8 semesters).

Disbursement of Funds

All financial aid is placed on the student’s account in one disbursement per term (this includes the Federal PLUS). The estimated disbursement dates are set to begin approximately two (2) weeks after the start of each payment period or term. First-time MNU students will not receive a financial aid disbursement until all financial aid and admissions requirements are satisfied.

Satisfactory Academic Progress (SAP)

In order to receive federal and state financial aid, students must demonstrate clear progress towards a degree, known as “Satisfactory Academic Progress.” The university measures this progress, in compliance with federal regulations, by monitoring students’ GPAs, the pace at which they successfully complete courses, and the length of time they take to complete their degrees. Students who fail to meet Satisfactory Academic Progress requirements may lose eligibility for federal and state financial aid.

Students are able to view the complete policy as well as the appeals procedure online at www.mnu.edu/sap.

For Traditional Undergraduate Students

The average first-time, full-time resident students can expect to pay the following costs for the 2024-2025 academic year.

Estimated costs for 2024-2025:

Before registration:

• Confirmation Deposit $200
  • $100 housing deposit and $100 tuition deposit.
  • Fully refundable until May 1st for the fall semester and January 1st for the spring semester.

Direct Cost:

• Comprehensive Tuition $36,174
  • 12-17 hours per semester
• Residential charge $11,554
  • Unlimited meals+ housing
• Technology Fee $ 1,000

Total Estimated Direct Cost $48,728

Other Indirect Costs (estimated):

• Books and supplies $1,446
• Personal Expenses $9,311
• Transportation $1,572

Total Estimated Indirect Cost $12,329