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INFORMATION FOR AMERICAN STUDENTS: FINANCIAL ASSISTANCEContentsTypes of LoansPage 2Current Interest RatesPage 2Maximum Direct Loan EligibilityPage 2How much can I borrow?Page 3Calculation of Loan EntitlementPage 4Eligibility and Application ProcessPage 4Accepting your Award and Supporting DocumentsPage 5Additional DocumentationPage 6Loan DisbursementsPage 6Visa DocumentationPage 6Satisfactory Academic Progress PolicyPage 7SAP for Undergraduate StudentsPage 7SAP for Students on PGT of 1 year in LengthPage 7SAP for Postgraduate Research StudentsPage 7AppealsPage 7Withdrawal from Programme of StudyPage 8Interruption of StudiesPage 8 Further InformationPage 9Return of Title IV PolicyPage 9Frequently Asked QuestionsPage 10Private Loan InformationPage 11DisbursementPage 12Contact InformationPage 12Consumer Information Page 12Please note a paper copy of this information is available upon request.TYPES OF LOANSThe University of Chester participates in the William D Ford Direct Loan Program. The lender is the US Department of Education rather than a bank or other financial institution. The Direct Loan Programme offers several types of loans:Direct Subsidized Loans: For students with demonstrated financial need, as determined by federal regulations. No interest is charged while a student is in school at least halftime, during the grace period, and during deferment periods.Direct Unsubsidized Loans: Not based on financial need; interest is charged during all periods, even during the time a student is in school and during grace and deferment periods.PLUS: Unsubsidized loans for the parents of dependent students and for graduate/professional students. PLUS loans help pay for education expenses up to the cost of attendance minus all other financial assistance. Interest is charged during all periods. Please note a PLUS loan is conditional on passing a successful credit check, either completed by the parents for a Parent PLUS, or student for a Graduate PLUS. Private Loans: The University of Chester is eligible to accept students with private loans. Chester has no preferred lender but only Sallie Mae works with UK institutions as far as we are aware. Direct loans are available to all US citizens or permanent residents who have a valid social security number, a high school diploma and are not in default on any previous loans. Male students also need to be registered for Selective Service.Current Interest Rates:Interest rates are fixed at the following for loans disbursed on or after July 1st 2018 and prior to July 1st 2019. TBC for 2019/20:Subsidised and unsubsidised undergrad interest is at 5.05%Unsubsidised graduate interest is at 6.6%PLUS Interest is 7.6% Furthermore, you will be subject to an origination fee. Fees for loans disbursed on or after 1 October 2018 and before 1 October 2019. TBC for 2019/20: Subsidized and Unsubsidized Stafford loans: 1.062% Plus Loans: 4.248% Additional information on interest rates can be found on: Direct Loan Eligibility:The following table shows the level of loans available for 2019/20:DependentUndergraduatesInitial Subsidized StaffordAdditional Unsubsidized StaffordCombined (maximum) Levels1st Year$3,500$2,000$5,5002nd Year$4,500$2,000$6,5003rd Year and Up$5,500$2,000$7,500Independent Undergraduates or Dependent Undergrad whose Parent is denied Parent PLUS.1st Year$3,500$6,000$9,5002nd Year$4,500$6,000$10,5003rd Year and Up$5,500$7,000$12,500Graduate/Professional StudentsNot Applicable$20,500$20,500In addition to the annual limits, the following aggregate limits apply:Aggregate Limits SubsidizedSub. & Unsub. CombinedDependent Undergraduates$23,000$31,000Independent Undergraduates$23,000$57,500Graduate & Professionals$65,500$138,500How Much Can I Borrow?The amount you are allowed to borrow through direct loans will be determined by your estimated cost of attendance and the limits set by the US department of Education. Your loans will therefore likely be comprised of government funded direct loans and further ones. Your cost of attendance is an estimate of how much it will cost you to study at the University of Chester for one academic year. The table below provides a breakdown of the essential costs for one academic year at the University of Chester, including tuition fees, after international discounts have been deducted. Please note these costs are estimates based on average annual expenditures of an undergraduate or postgraduate single student enrolled on a full-time course. If you believe your costs may be different based on your living arrangements or extraordinary circumstances, please adjust the below figures as necessary. You may be asked to provide written justification for your amendments. With this justification we will make a decision, which is final. Estimated Cost of Attendance, 2019/20Tuition Fees: Amount shown is before all guaranteed international scholarships have been deducted. Complete information available on our International Fees Page. Undergraduate?11,950Taught Postgraduate?12,000MBA?12,250Accommodation: Based on 48 weeks for UG and 54 for PGUndergraduate?5,760Taught PG/MBA ?6,480Transportation: Including flight allowance and local. ?2,500Food: Based on budget of ?55 per week, 48 weeks for UG and 54 for PGUndergraduate?2,640Taught PG/MBA ?2,970Books and Photocopying Additional information below in consumer disclosures?500Miscellaneous: Additional essential fees, household items, consumables, laundry, etc. ?3,000Visa Application Fee*?328UKVI Immigration Health Surcharge*Length of CourseAmount per Applicant1 year?3002 years?6003 years?1,050*These items are only factored into the Cost of Attendance for new students. Cost of Attendance for continuing students does not include these items. We can also authorize a one-time payment of ?500 towards a PC or Laptop, during the first year of study. Please inform us if you wish to include this in your cost of attendance. Calculation of Loan Entitlement:Please note the University of Chester uses the following exchange rate for all its calculations: ?1.00 = $1.4 but subject to change in 2019/20 summer if the rates have changed drastically. ELIGIBILITY AND APPLICATION PROCESS:Direct loans are available to all US citizens or permanent residents who have the following:A valid social security numberA high school diploma or meet standards approved by the US Department of EducationBe enrolled as a regular student working toward a degree or certificate in an eligible programmeMaking Satisfactory Academic ProgressAre not in default on any previous loansMale students also need to be registered for Selective ServiceApplication Process:All students should familiarize themselves with the US Department of Education Student Financial Aid Resources, prior to applying.Please complete the Free Application for Federal Student Aid (FAFSA) at . Information on how to fill out the FAFSA is also available on this page. The University of Chester’s school code is 041709. You will need to include this on the FAFSA in order for us to receive your report. Please Note: you will be required to complete a new FAFSA for each year of study at the University of Chester. It is your responsibility to complete the FAFSA, so please be mindful of this. Once you have completed the FAFSA, a Student Aid Report (SAR) is produced. This will be sent to the university automatically, though you likely won’t hear from us until the spring when we begin to issue award letters. Once we have received you SAR, we will determine your eligibility and calculate the amount of loans you are entitled to. You will receive notification by way of an award letter electronically from usloans@chester.ac.uk. For students commencing September 2019, please note the earliest you will receive notification of your loan entitlement for the 2019/20 academic year is April 2019.Your award letter will include specific details on what loans we plan to disburse as well as the expected disbursement dates and amount. Please read your award carefully and remember, you are responsible for paying back any amount that you borrow plus interest. You have a right to either decline the loan or request a lower amount if you believe your cost of attendance to be lower than our projections. ACCEPTING YOUR AWARD LETTER AND SUPPORTING DOCUMENTS:To accept your financial award letter, you will need to sign and return one copy to the University of Chester. It is acceptable for you to send this to us via e mail. One of the conditions on your academic offer will be that you must pay the ?3,000 deposit to secure your place with the university. If you are accepting your loans, and the total amount you are receiving exceeds the amount of the initial deposit (?3,000) you will be exempt from paying the depot to secure your place; your award letter and supporting documents are accepted in the deposit’s place. In addition to the signed award letter, we require the following supporting documents: Completing the Master Promissory Note: The MPN is a legal document which explains the terms and conditions of your loans and holds you accountable to repay all loans and any associated fees and interest to the Department of Education. Please complete your MPN at , using your Federal Student Aid Pin, and e mail a scan or your signed copy to usloans@chester.ac.uk. We require a MPN for each type of loan you are using. Without a copy of your signed MPN, your loan will be rejected. Please Note: Like completing the FAFSA, a new MPN is required for each year of your studies that you continue to receive Federal Student Aid. As the applicant you are responsible for ensuring a new MPN is sent to Chester each year. Entrance Counselling: All first time borrowers are required to complete online entrance counselling for all loans except Parent Direct PLUS loan borrowers. This process is mandatory and must be completed before Chester can originate your loan. Please visit to complete this counselling. Once complete, please e mail us a screen shot confirming you have undertaken it. Evidence of credit check for PLUS loan: If you or your parent are taking out a Parent PLUS or Graduate PLUS loan, you will need to satisfy a credit check as part of the PLUS application process. A letter will be produced with your results, which we require a copy of. If you are not planning to take out a PLUS loan, you will not be expected to provide this information. We cannot accept an independent credit check; we can only accept one provided as part of the application process. Scholarship Award Letters: The University of Chester awards automatic scholarships for International students, which will be factored into your COA. If you have been awarded any additional scholarships, such as rotary, local government scholarships, etc., please send us a copy of that award letter. Financial Aid Awareness Counselling: This isn’t mandatory, but we highly recommend it to all students. Please note we will not consider your award as accepted until we have both the signed letter and all the required supporting documents. Once we have this information, we will consider you as committed to attending Chester and will begin the CAS request process, which subsequently allows you to apply for your Tier 4 (General) student visa. Additional Documentation:Exit Counselling: You will also be required to complete Exit Counselling shortly before you complete your studies. The Financial Aid Office will contact you with additional information. To learn more please visit Loan Disbursements:Your loan will be disbursed throughout the year in three instalments, roughly October, January and April. Detailed information will be included on your offer. Disbursements can only be made to students who have fully enrolled on their programme and are making satisfactory academic progress. You will be notified of your disbursement details via email one months before the actual disbursement date. We would also recommend all students plan to bring at least some money over with them to cover any costs before receiving their first disbursement or in the event we experience any delays with your disbursement. University of Chester will disburse your loan by crediting your university account to pay for your tuition fees, accommodation and any other university authorised charged on the disbursement date. If any money remains following payment of university charges, the funds will be paid directly into your UK bank account up to 3 working days after the disbursement date. It is therefore very important you open a UK bank account at your earliest ability. Information on how to do so will be included as part of your orientation by the International Student Advisory Service. Please note the last disbursement will occur in April. For some students your programme will not end until October, so it’s important to budget your last disbursement accordingly. VISA DOCUMENTATION:The majority of our international students require a Tier 4 (General) student visa to study in the UK. You will be made familiar with this process through your application and acceptance to Chester. Initial information will be sent with your offer in our Offer Guide. Before you can apply for your visa you will need from us a Confirmation of Acceptance for Studies (CAS) an official document we issue with a reference number you include in your visa application. This lets the UK Visas and Immigration (UKVI) know that you are applying for a visa to study at Chester. As stated above, we will not progress you to the CAS request stage until you have given us your signed award letter and supporting documents, essentially fulfilling the deposit payment process. Once you have your CAS, we will provide you with documentation confirming that you will be receiving federal loans to fund your studies. While the USA is classed a low-risk country by the UKVI, and therefore American students are not required to demonstrate maintenance funds as part of their Tier 4 (General) student visa, we highly advise that you keep the documentation from us confirming your loans for your records in the unlikely event you are asked to submit evidence.SATISFACTORY ACADEMIC PROGRESS:SAP requires that students maintain an average of 40% (or a pass standard where numerical marks are not awarded) and pass all requirements at the end of the year for progression to the next year. Additionally, in order to make SAP all students must maintain progress to completing their course within 150% of the normal full-time duration. Where students commence a course with Accreditation of Prior Learning (transfer credits) then the normal full-time duration will be reduced by the number of full years of study they are not required to study at the University.SAP for Undergraduate Students Students receiving financial aid will be evaluated annually by the International Centre and Registry, following the University’s July progression boards. Students who fail to achieve SAP will have their financial aid suspended. They will be notified of their results by Registry and of suspension of their financial aid as well as the appeals process by the International Centre. Students can only regain their eligibility by submitting a successful appeal or by taking appropriate actions to bring them back into compliance with SAP standards. Undergraduate students are required to take 120 credits each academic year and are not permitted to drop modules during the year. Progression is determined according to the University’s Principles and Regulations and as detailed in the Assessment Handbook. Summaries of the requirements can also be accessed via Programme Handbooks. These are all available on Portal pages.SAP for Students on Postgraduate Taught programmes of 1 year in LengthSAP will be evaluated each term for students in receipt of title 4 funds. SAP will be judged by reference to reports from tutors and marks available to date. Students not making SAP will placed on Financial Warning for the next payment period, but will continue to receive funds. If during the next payment period they are making SAP then the Financial Aid Probation will be removed. If during that payment period they are judged not to be making SAP then they will have their Financial Aid eligibility suspended and will be notified of this by the International Centre.SAP for Postgraduate Research Students Postgraduate Research students must make satisfactory progress towards completion within the 150% time limit and also maintain a standard of work judged to be of a pass standard. SAP will be monitored annually by the International Centre and Registry, following the Annual Progress Monitoring (APM) process, which all Postgraduate Research students undertake. Students whose progress is unsatisfactory during APM will have their Financial Aid eligibility suspended. SAP will be assessed the following year, at which point students are expected to have repaired their academic standing and demonstrated satisfactory progress. Students will be notified of the suspension of their Financial Aid and information on the appeals process by the International Centre. AppealsThe University’s Academic Appeals procedures require that the original academic decision stands whilst an appeal is in progress. Any decision to cease disbursements due to unsatisfactory academic progress will similarly stand until and unless an appeal results in a new decision.Separate to the University Academic Appeals procedures there is provision for students to appeal a decision to suspend eligibility for Federal funding if they can demonstrate that their failure to maintain SAP was due to extraordinary circumstances such as (but not limited to) the following:Serious illness or injuryDeath of a family memberDivorce or family difficultiesFinancial difficultiesInterpersonal problemsAppeals must be submitted in writing, together with supporting documentation, within ten days of the notification of suspension. The appeal must detail the reasons why SAP was not met, provide evidence of the extraordinary circumstance and explain how the student expects to be able to make SAP in the next payment period. A SAP Appeals Committee will consider each case and their decision is final.If an appeal is determined successful by the university, the student will be placed on financial aid probation. While on probation the student is entitled to receive aid for one further payment period, with the understanding the student must meet SAP at the end of that payment period. If the student is successful in satisfying SAP, they a will no longer be on academic probation. Students that fail to meet SAP after a period of probation cannot receive aid unless they are successful in a further appeal and develop an academic plan approved by their supervisor.Appeals should be submitted to: Susannah Chappell, International Centre, Temperance Hall, University of Chester, Parkgate Road, Chester CH1 4BJ. Withdrawal from Programme of StudyStudents withdrawing from a programme of study must complete a withdrawal form as available on Portal or from Registry Services. This information will be used to record the last date of attendance.In line with the requirements of The UK government, the University is required to monitor student’s compliance with the Tier 4 immigration rules, should this require the University to cease immigration sponsorship of a student, then the University may withdraw the student from their course of study and withdraw their Federal Aid fundingThe University Registry will record the student’s last date of attendance on the University Student Records System and this date will be used in determining any refund in accordance with either the University’s refund policy or the Return of Title IV funds policy.Interruption of Studies (Leave of Absence in Federal Aid Terminology)Students at the University of Chester may interrupt their studies by completing the Interruption of Studies form and having this authorised by the required staff of Department as designated on the form.Students in receipt of Federal Aid should note that Federal Aid only permits Interruptions of up to 180 days in any 12 month period to be considered as a Leave of Absence. As the modules in University of Chester programmes are a full year long interruptions will usually either be longer than 180 days or require repeat of study on return. Students in receipt of Federal Aid who are contemplating an Interruption of Studies are therefore strongly advised to seek advice from the International Centre before applying.Students in receipt of Title IV funds should note that these are restricted to study of no longer than 150% of the normal length of full-time study. Overseas students may also need to comply with immigration regulations regarding their stay in the UK.Further Information For further information about the Satisfactory Academic Progress for Title IV recipients, please contact the University of Chester’s Registry Services, at sp@chester.ac.uk, or the International Office at international@chester.ac.uk.RETURN OF TITLE IV FUNDS POLICYThe University of Chester will follow the requirements of the Federal Student Aid programme Return of Title IV Funds regulations. The policies stated below will apply to all US Federal Loan Aid recipients when the University is dealing with a student’s Federal Loan funds and may differ from the normal University procedures. Students may receive a copy of the University’s Title IV Refund Policy from the International Office. Students may also need to refer to the policy on Satisfactory Academic Progress for US Federal Aid Recipients.Requirements for Title IV programme funds when students withdraw are separate from any refund policy that the University may have. Therefore, the student may still owe funds to the University to cover unpaid institutional charges. The University may also collect from the student any Title IV programme funds owed to the University that it was required to return to the funding source.Students wishing to withdraw from the University before completing their studies must complete the appropriate withdrawal process. This process will result in an official withdrawal date, which will be used for any refund or return of funds calculation. When a student withdraws without notifying their tutor, department, International Centre or Registry, the University will use all possible means to determine the latest date of campus activity. This may include, submitting an essay, attending a class where attendance is taken, meeting a tutor or use of the library facilities. Should the administration be unable to identify a firm date by these means, then the date will be determined as the 50% point of the last payment period.In calculating Return of Title IV funds the Finance Department will use the formulae provided by the US Department of Education. This means that the University will return any funds that the student has not earned on a pro rata basis. For example if a student completes 30% of the payment period, any assistance the University has received over this 30% will be repaid. On this basis any unearned funds that the student has received must be returned. All such funds must be returned to the lender within 45 days of the date when the University determined that a student withdrew from studies or interrupted studies. Students who have questions about their Title IV funds may contact the Federal Student Aid Information Centre.Title IV funds will be returned in the following order:-Unsubsidized Federal loans-Subsidized Federal loans-PLUS Loan fundsThe University operates a year long period of study; divided into three terms. The period of enrolment for all calculations is therefore the term.Once the student has completed more than 60% of the payment period (term), all the assistance that the student was scheduled to receive for the period is considered to have been earned.If the student did not receive all the funds that were earned, he or she may be due a post-withdrawal disbursement. The University may automatically use all or a portion of the post-withdrawal disbursement (if the student accepts it) for tuition fees, and any other charges contracted by the student with the University. The student may choose to decline the loan funds so that additional Federal loan debt is not incurred. However, it may be in the student’s best interest to accept the disbursement and allow the University to keep the funds owed in order to reduce their indebtedness to the University. If the student received more assistance that was earned, the excess funds must be returned by the University and/or the student.If the student receives (or the university receives on behalf of the student) excess Title IV programme funds that must be returned, the University must return a portion of the excess equal to the lesser of:The institutional charges multiplied by the unearned percentage of the funds, or the entire amount of excess funds.Upon withdrawal the University will notify the student of the amount of Title IV programme funds that will be returned.FREQUENTLY ASKED QUESTIONS:What do all these Acronyms mean?A comprehensive glossary of Federal Aid Acronyms is available on the Federal Student Aid website: ’ve completed my FAFSA and included Chester’s code. Now what?First of all make sure you hold an academic offer to study at Chester; without an offer we cannot issue your award letter. Our application form is available at chester.ac.uk/international, as is a complete listing of our courses and entry criteria. If you’ve included Chester’s code on your FAFSA, we will automatically receive notification of your SAR. We won’t contact you until mid-spring with your award letter, so please don’t worry if you don’t hear from us right away. Do I need to pay the deposit if I receive a Direct Loan?As long as your loan amount covers the deposit, you will not need to pay the deposit. If you plan to live in university accommodation, you will be required to pay the ?250 accommodation deposit. This amount must be paid online at the time you accept your accommodation, and will be refunded to you towards the end of the year assuming you have kept your lodgings in acceptable condition. Will I have to complete the FAFSA each year?Yes, every year you are studying with us and intend to take our loans, you will need to complete the FAFSA, receive an award letter and submit it with all supporting documents. The university will remind you to reapply in May, but remember it’s your responsibility to complete the FAFSA. What exchange rate will be used when calculating my Cost of Attendance?For the 2019/20 academic year, the University of Chester will use the exchange rate of 1.4 $-?. Please note the actual amount you will receive in GBP will depend on the exchange rate when we withdraw funds down. What do I need to know about applying for my Tier 4 (General) student visa?The University of Chester will provide you with a variety of documentation throughout the admissions process to prepare you for applying for your Tier 4 (Student) Visa. We request that you thoroughly read all documentation provided by us as you will be held accountable for its contents. You may wish to read about the Tier 4 (General) student visa at .uk/tier-4-general-visa/overview. When will my loan be originated?Federal Direct Loans for September programmes are originated in July and in November for January programmes. We will need your required supporting documents before we originate your loan. Do I need to open a UK Bank Account?Yes, you will need to open a UK bank account so we can pay you any remaining money following payment of university charges. You will be provided information on how to open a bank account as part of your orientation by the International Student Advisory Service. We encourage you to do this as soon as possible to ensure you get your money as soon as it’s available. PRIVATE LOANS:Students may apply for a private loan, (subject to credit history) however, Chester encourages students that are eligible, to utilise Federal Loans in the first instance. The University of Chester has no preferred private lender. At present, Chester is eligible to accept students with private loans provided by Sallie Mae. Eligibility for their loans is determined directly by Sallie Mae. If your loan is approved, the University of Chester will be notified and asked to certify your loan amount. Chester will use the same cost of attendance chart used for students applying for Federal Aid, when certifying Sallie Mae loans. To learn more or apply, please visit: note you can borrow up to the maximum amount of the cost of attendance and no more. If you wish to borrow more, please contact us, as you will be asked to provide documented evidence for your increase. Please notify us of any additional funding you have or expect to receive from scholarships and/or bursaries. Disbursement:Sallie Mae disburses the loan as a USD check, issued to the University of Chester. You will receive your money in one disbursement at the start of your academic programme. Chester will first remove whatever fees you owe the institution at that time, and disburse the remaining balance into your UK bank account. CONTACT AND USEFUL INFORMATION:University of Chester US Financial Aid Contacts:The US Financial Aid is currently located in the International Centre:Key Contact: Susannah ChappellMail: US Financial Aid, International Centre, University of Chester, 20B George Street, Chester, CH1 3EQ, United KingdomE-Mail: usloans@chester.ac.ukTelephone: +44 (0) 1244 512486University of Chester Finance Office: Mail: Finance Office, University of Chester, Chichester Road, Chester, CH14BJ, United KingdomE mail: finance@tuitionfees@chester.ac.ukTelephone: +44 (0) 1244 512071Admissions Enquiries:General International Admissions Enquiries: international@chester.ac.ukInternational Applications: applyinternational@chester.ac.ukFree Application for Federal Student Aid (FAFSA): Department of Education: National Student loan data System: nslds. CONSUMER INFORMATION:CONSUMER INFORMATION:As a participating institution in the William D Ford Federal Direction Loan Programme, the University of Chester is required to provide the following consumer information. Should you require any further information about this content, please contact our Financial Aid Administrator at usloans@chester.ac.uk.Academic Programmes: Undergraduate and postgraduate courses can be found here: Undergraduate Programmes: Programmes: number of courses shown in the regular prospectus and under the course tab on our website are not available to international students on Tier 4 Student Visas. For a complete listing of our undergraduate and postgraduate programmes available to students on Tier 4 Student Visas, please visit the International section of our website, or contact us to request an International Prospectus. Furthermore, the following programmes are also considered ineligible:Programmes delivered part timeProgrammes delivered through distance learningProgrammes with portions delivered by a partner institution that is not Title IV eligibleProgrammes delivered in the United StatesStudy Abroad:Please note Federal Aid is not available for University of Chester students wishing to undertake a study abroad programme while studying at Chester. However, Sallie Mae may provide you with a loan. US students coming to Chester for study abroad from a US institution, who are enrolled on a Chester programme approved for credit by their home institution, may be considered enrolled in their home school for purposes of applying for US Federal aid. Student Financial Aid Information:For information about all need based and non-need based federal, local, private and institutional student financial assistance available to University of Chester students, please visit our HYPERLINK "" Fees, Scholarships and Finance Page. Information on the following has been provided throughout this document. Should you require further clarification, please contact us.Terms and conditions of the TITLE IV Higher Education Act Loans. Criteria for selecting recipients and determining award amount.Eligibility requirements and Chester’s procedures for applying for the aid. Frequency and methods of disbursing aid.Rights and responsibilities of students receiving Title IV HEA student financial aid*, including the criteria for continued student eligibility and standards for satisfactory academic progress (SAP).Terms of loans received as part of the financial aid package, and the necessity for repaying loans.Procedures and forms by which students apply for assistance.Exit counselling information *Rights and Responsibilities of Students Receiving Aid:By accepting your loan, you are making a promise to accept the responsibilities that come with it. It’s therefore important you understand your rights. This is a loan and it must be repaid. Information on repayment plans is available on the Federal Student Aid website. Interested will be charged. Additional information on interest rates and how each loan is structured is available on the first section of this document. If you default on a loan, there may be penalties imposed by your lender. It’s therefore very important you read everything from your lender clearly. If you chose to withdraw or take a break from your studies, you will be subject to the university’s Withdrawal Policy. You are required to:Use your loan for educational purposesTell your lender about any changes, including change of address or change of courseYou have a right to:Prepay your loan early without any consequencesDeferent on previous loansWritten information of your obligationsExplanation of consequences of defaultNotification if your loan is sold. In order to retain eligibility for your loans you should meet the following academic requirements:Should not exceed 150% the published time frame for the course and should remain enrolled on at least part-time (half-time) status.Should pass any taught modules with a minimum of 40%.Should meet any relevant contact points each term as rmation on our SAP policy is outlined above. Cost of Attendance: A breakdown of our cost of attendance is available above. School and Programme Approval and Accreditation: In the United Kingdom, the power to award degrees is regulated by law. The Privy Council is responsible for granting of degree award power and university titles. Please see our Royal Charter. The University of Chester is also regulated by the Quality Assurance Agency for Higher Education (QAA). University Council Membership: A list of the University Council members is available here. Professional Bodies: Please find a list of our affiliate professional bodies here. For additional information on each affiliation, please contact the Faculty Administrators. Retention Rates: For information on retention rates for all certificate degree-seeking, first time, full time undergraduates, please reference the Higher Education Statistics Agency: Records and Privacy: Your rights to review educational records and procedures is outlined in the University of Chester’s Data Protection Policy. Student Loan Information Published by the Department of Education:The University of Chester will provide information published by the Department of Education to any students who request it. This includes rights and responsibilities of students and schools under Title IV HEA (Higher Education Act) loan programs.National Student Loan Data System:Details of students taking out loans at Chester will be submitted to NSLDS. This data will be accessible to guaranty agencies, lenders and schools determined to be authorised users of the data system. Campus Facilities and Disability Services: Information on our campus facilities is available on our corporate website under Campus Life. Information on services and facilities for students with disabilities is found under Disability and Inclusion, also available on our corporate website under Support for Students. Plagiarism and Copyright Information: Please visit our corporate website for information on Copyright, Data Protection and Freedom of Information. Additional information on Plagiarism is available in Quality and Standards Manual Handbooks, Handbook F: Requirements Governing the Assessment of Students Private Education Loan Disclosures: The University of Chester has no preferred private lender. In most cases Chester will work with any lender a prospective borrower wishes to use. Please be aware that many private lenders will not offer loans to those students studying outside the Unites States. For information on Sallie Mae loans, please see the Private Loans Section above. You may wish to use a self-certification form for private education loans. Please contact us should you require information on how to complete the form. Code of Conduct for Education Loans: In order to prohibit a conflict of interest with the responsibilities of an agent with respect to private education loan, all University of Chester staff with responsibility for Federal and private education loans from the US are prohibited from the following:Revenue-sharing arrangements with any lenderReceiving gifts from a lender, a guarantor, or a loan servicerContracting arrangements providing financial benefit from any lender or affiliate of a lender Directing borrowers to particular lenders or refusing or delaying loan certificationsOffers of funds for private loansCall centre or financial aid office staffing assistance Advisory board compensationEducation Rerecords and Privacy: Your right to review educational records and procedures is set out within University’s Data Protection Policy. Crime Statistics: Please visit police.uk for information on crime statistics in Chester, Warrington and Shrewsbury.Gainful Employment: The University of Chester does not does have any programmes of study that fall under the Gainful Employment Disclosure regulations.Guidelines on Responding to a Report of a Missing Student: Reports regarding missing students are not uncommon. There are usually quite simple explanations as to why a student is ‘missing’ and most reports are due to students failing to notify flatmates or the University regarding absences during term time. If a staff member receives a report that a student is potentially missing they should, in the first instance, check our attendance monitoring system to determine whether the student is still engaging with studies before attempting to email or call the student. If the student is not engaging with their course and the staff member has been unable to make contact then the staff member should alert the Wellbeing and Mental Health team by calling 01244 511550 where further attempts to contact the student will be made. If there are serious concerns about the welfare of a missing student then the person raising these concerns should contact the police and report the person missing by dialling 101. The Wellbeing and Mental Health team should be notified if this has taken place. Fire Safety and University of Chester Emergency Evacuation Plan: Please see our Fire Safety and Evacuation Policy for further information. Default Management Plan: The University of Chester has adopted the Secretary’s Default Management Plan. We’ve highlighted some of our strategies here. The plan is to ensure that students with Title IV Direct Loans are aware of their repayment responsibilities. The purpose is to reduce and if possible, eliminate, students defaulting on repaying their loans. This information is provided to students annually and in hard copy upon request. ................
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