American National University

 

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Student Loan Debt Code of Conduct

Student Loan Code of Conduct

American National University recognizes that ensuring the integrity of the student financial aid process is critical to providing fair and affordable access. The University has formalized the following guiding principles designed to avoid potential for a conflict of interest between the University, and its students or their parents, in the student financial aid process. For purposes of this Code of Conduct, a “lender” is any entity (other than an institution of higher education or a governmental entity such as the U.S. Department of Education) involved in the making, holding, consolidating or processing of any student loans. The “financial aid office” refers to all financial aid offices of American National University.

Admissions Financial Assistance Student Loan Debt Code Conduct

The University may not enter into revenue-sharing arrangements with any lender.

American National University may not enter into any revenue-sharing arrangements with any lender. The term revenue-sharing arrangement means an arrangement between American National University and a lender under which the lender provides or issues private education loans to students attending the University or to the families of such students; and the University recommends the lender or the loan products of the lender in exchange for which the lender pays a fee or provides other material benefits, including revenue or profit sharing, to the University or any employee of the University.

Employees of the financial aid office may not receive gifts from a lender, guarantor, or a loan servicer.

Employees of the financial aid office or who otherwise have responsibilities with respect to private education loans may not solicit or accept any gift from a lender, guarantor, or servicer of private education loans. The term gift means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having monetary value of more than a de minimus amount. The term includes a gift of services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred. A gift to a family member of an employee, or to any other individual based on that individual’s relationship with the employee, is considered a gift to the employee if the gift is given with the knowledge and acquiescence of the employee and the employee has reason to believe the gift was given because of the official position of the employee.

Employees of the financial aid office may not enter into consulting or other contracting arrangements with a lender relating to private education loans.

Employees of the financial aid office or who otherwise have responsibilities with respect to private education loans must not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to private education loans.

American National University may not direct borrowers to particular lenders or delay loan certifications.

American National University may not direct a borrower or assign, through award packaging or other methods, the borrower’s loan to a particular lender or refuse to certify, or delay certification of, any loan based on the borrower’s selection of a particular lender or guaranty agency.

American National University may not request or accept offers of funds for private loans.

American National University may not request or accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, to students in exchange for the University providing concessions or promises regarding providing the lender with a specified number of private education loans, a specified loan volume of such loans, or a preferred lender arrangement for such loans. The term opportunity pool loan means a private education loan made by a lender to a student attending American National University or the family member of such a student that involves a payment, directly or indirectly, by the University of points, premiums, additional interest, or financial support to such lender for the purpose of such lender extending credit to the student or the family.

American National University may not request or accept certain staffing assistance from a lender.

American National University may not request or accept from any lender any assistance with call center staffing or financial aid office staffing, with the exception of: assistance from a lender related to professional development training for financial aid administrators; the provision of education counseling materials, financial literacy materials, or debt management materials to borrowers, provided that such materials disclose to borrowers the identification of any lender that assisted in preparing or providing such materials; or staffing services on a short-term, nonrecurring basis to assist the institution with financial aid-related functions during emergencies.

Employees of the financial aid office may not be compensated for service on an advisory board for a lender, guarantor or group of lenders.

No employee who is employed in the financial aid office or who otherwise has responsibilities with respect to private education loans or other student financial aid, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, may receive anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.

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ANU-Funded Financial Aid

Domestic Grants & Scholarships | International

Evolution Grant – Up to $1,680 per term!

Available to undergraduate students attending campuses in Virginia, Indiana, Kentucky, Ohio, and West Virginia, the Evolution 2016 Grant is designed to increase grant aid to students while keeping student debt as low as possible. Up to $1,680 per term for students who qualify, based on need.


Joseph E. Hurn Scholarship

The Joseph E. Hurn Scholarship is designed to recognize and award students who excel in their university studies. Funded by American National University, the Hurn Scholarship is based on academic merit alone. Students are evaluated for eligibility after they complete one academic year (the evaluation period), based on certain factors. Read More »


American National University Opportunity Grant

The Opportunity Grant is awarded and funded by American National University. It is designed to match outside grant and scholarship funds provided by defined social, local, and civic organizations. An Opportunity Grant Calculation Form will be completed by the Student Services staff for eligible students.


A Public – Private Partnership — Workforce Development Grant

This program, exclusive to American National University, provides matching funds to many federal, state, and local workforce development and worker retraining programs. Over the past decade, ANU has provided more than $3.5 million in matching funds to over 1,300 students. Up to $7,500 per year may be awarded through this grant to supplement programs such as the Workforce Investment Act, Trade Adjustment Act, Vocational Rehabilitation, and similar programs.


Helping Companies Invest in their Employees — Business Partnership Grant

Another program unique to American National University, the Business Partnership Grant, supplements employer-provided tuition assistance to qualified students. ANU will match up to $1 for every $2 that your employer provides in tuition reimbursement funds, limited to the amount of unpaid tuition costs. The University allocates up to $2 million per academic year for this grant.


Work-Study

American National University offers an institutional work-study program which provides employment opportunities for students to help finance their educations. Whenever possible, work-study employment is designed to improve students’ business skills and to provide experience for the business specialization in which they are enrolled.


Tuition Payment Plan

Any student who enrolls in the payment plan will have the option to make three payments each term. The first payment will be made on or before the first day of class, the second will be made on or before the first day of the next month, and the final will be made on or before the first day of the third month.

International Grants & Scholarships | Domestic

International Gateway Graduate Career Grant

The International Gateway Graduate Career Grant is designed to recognize, award, and assist international students who wish to study in their home country. The purpose of the grant is to help international students reach their goal of obtaining a career education at the graduate levels.

Initial Eligibility: Each calendar year, international students who are enrolled in a graduate level online program of study at American National University or a graduate level program at a University Education Resource Center established by American National University in a country other than the United States, qualify for this grant, subject to availability of funding as described below.

Application Process: The application process consists of the submission of the following to an International Admissions Officer:

  • A completed American National University international student application for study in home country either online or at a University Education Resource Center, and the application fee.
  • Evidence of the required English Language skills.
  • Completion of the required education level for entry into the level of program desired.
  • Commitment to obtain employment in or related to the field of study.
  • Ability to attend for the period required to complete the selected program.

Award: Eligible students will be awarded $425 per course for graduate degree level. Grant payments are applied directly to students’ tuition and fee charges on their student accounts.

Continued Eligibility at American National University: Continued eligibility (from term to term and level to level), is contingent on students’ continuous enrollment at the university in graduate level online courses or graduate level courses at a University Education Resource Center established by American National University in a country other than the United States.

The award year for the grant is defined as July 1st to June 30th. The total amount of funds allocated by American National University for the grant is $500,000 each award year. The availability of the grant will be evaluated at the end of each calendar year.

This scholarship cannot be combined with other grants or scholarships.

 

International Gateway Career Grant

The International Gateway Career Grant is designed to recognize, award, and assist international students who wish to study in their home country. The purpose of the grant is to help international students reach their goal of obtaining a career education at the undergraduate levels.

Initial Eligibility: Each calendar year, international students who are enrolled in an undergraduate level online program of study at American National University or an undergraduate level program at a University Education Resource Center established by American National University in a country other than the United States, qualify for this grant, subject to availability of funding as described below.

Application Process: The application process consists of the submission of the following to an International Admissions Officer:

  • A completed American National University international student application for study in home country either online or at a University Education Resource Center, and the application fee.
  • Evidence of the required English Language skills.
  • Completion of the required education level for entry into the level of program desired.
  • Commitment to obtain employment in or related to the field of study.
  • Ability to attend for the period required to complete the selected program.

Award: Eligible students will be awarded $800 per course for undergraduate degree level. Grant payments are applied directly to students’ tuition and fee charges on their student accounts.

Continued Eligibility at American National University: Continued eligibility (from term to term and level to level), is contingent on students’ continuous enrollment at the university in undergraduate level online courses or undergraduate level courses at a University Education Resource Center established by American National University in a country other than the United States.

The award year for the grant is defined as July 1st to June 30th. The total amount of funds allocated by American National University for the grant is $960,000 each award year. The availability of the grant will be evaluated at the end of each calendar year.

This scholarship cannot be combined with other grants or scholarships.

 

NEW – University Partnership Scholarship

The University Partnership Scholarship is designed to enhance collaboration between educational institutions and facilitate continued higher education for students. It is offered to students from Universities and Colleges outside of the United States with whom American National University has signed a Memorandum of Understanding and certain Program Agreements. The agreements either relate to joint programs or to the acceptance of academic credits earned in certain other specific programs.

In order to qualify for the scholarship, the student must:

  • Have completed the portion of the joint program or completed specific programs as indicated in the Memorandum of Understanding and Program Agreements; and
  • Be enrolled in a designated program of study at ANU as specified by the signed agreements between both educational institutions.

Scholarship payments are applied directly to the students’ tuition and fee charges on their student accounts each term, in amounts based on their course load, of $305 per course for all graduate and undergraduate programs.

This scholarship cannot be combined with any other grants or scholarships including the Partnership for International Education Scholarship.


Federal Financial Assistance (FAFSA)

Do You Need Money for College 2019-20

Click here for 2019-20 Financial Aid Information from the Department of Education.
   »Also see our our Financial Aid 101 Video


» Important information about Student Loan Forgiveness scams »

 

Federal Pell Grant

This program was established for undergraduate students who have not completed a first baccalaureate degree. Eligibility is determined according to a formula established by the federal government. Eligible students who attend less than full-time may also be eligible to receive a reduced award.


Federal Supplemental Educational Opportunity Grant (SEOG)

The Federal Supplemental Educational Opportunity Grant (FSEOG) program is for undergraduates with exceptional financial need. Pell Grant recipients with the lowest expected family contributions (EFCs) will be considered first for a FSEOG. Just like Pell Grants, the FSEOG does not have to be repaid. For more information, visit the Federal Supplemental Educational Opportunity Grant website.


Federal Work Study Program

This program provides part-time employment for students with financial need. Jobs may be provided on- or off-campus, with work schedules determined by the employer. Work schedules may not conflict with students’ class schedules. Employment under this program is dependent on the availability of federal funds.


Direct Subsided & Unsubsidized Loans

These loans are made available to students attending college on at least a half-time basis through the William D. Ford Federal Direct Loan Program. Within these programs there are two types of loans: subsidized loans (those subsidized by the federal government) and unsubsidized loans. A student may qualify for one or both, depending upon eligibility. Repayment is made in installments, generally beginning six months after a student leaves school or from the point his or her enrollment status falls below half-time. The federal government pays interest on the subsidized loan until repayment begins and during authorized periods of deferment. Students with unsubsidized loans are charged interest from the time the loan is disbursed until it is paid back in full.


Direct PLUS Loans

PLUS Loans are available to the parents of dependent students and to students pursuing graduate degrees. This loan program is available for students attending college on at least a half-time basis through the William D. Ford Federal Direct Loan Program. This is an unsubsidized loan program. Repayment is made in installments beginning upon the final disbursement within the first loan period. Interest is charged from the time of disbursement until the loan is paid in full.


Federal Perkins Loans

This program was established to provide a low-interest loan for undergraduate and graduate students with financial need, whether full-time or part-time. Interest begins to accrue when repayment begins, nine months after a student leaves school.


The Iraq and Afghanistan Service Grant

This program was established for non-Pell eligible children of military personnel killed as a result of service in Iraq or Afghanistan after Sept. 11, 2001. To qualify, the student must have been less than 24 years of age or enrolled at least part-time at an institution of higher education at the time of the death of their parent or guardian. Payments are adjusted for students enrolled on a less than full-time basis.

Additional information regarding the federal aid programs is available in the University Catalog or in the Financial Planning Office.