Financial Aid Rights and Responsibility
Financial Aid Recipients Have the Right to:
- Seek financial aid counseling.
- Know how much aid you will receive each term and when it will be disbursed. Contact the Office of Student Financial Planning for disbursement dates.
- Know the terms of any work-study awards you are offered.
- Know the interest rate, repayment terms, and procedures for any loan(s) you are offered.
- Access your financial aid file.
- Privacy of information regarding your financial aid file. Information from your student file will not be released without your permission to anyone except College staff and financial aid donors requesting such information.
- Receive financial aid as long as you are eligible and as long as funds are available.
- Appeal any award decisions you feel warrant consideration due to emergency circumstances beyond your control, or office error.
Financial Aid Recipients Have the Responsibility to:
- Check your Carthage email account regularly. College-assigned email accounts are the College’s official means of communication with you.
- Update your address, phone, and cell numbers as soon as you become aware of a change.
- Read all materials sent to you.
- Be prepared to provide the expected family contribution (EFC).
- Provide accurate, factual information on all financial aid forms requested, within 30 days of the request, but no later than the last date of attendance, whichever is earlier. Failure to do so will result in cancellation of part or all of your financial aid awards.
- Register early. Registration after the start of a term may result in additional fees, plus a delay or cancellation of part or all of your financial aid and/or additional fees.
- Once admitted, maintain satisfactory academic progress.
- Understand that if you withdraw from any or all of your classes, federal regulations require that all or a portion of any tuition refund you receive be credited to the financial aid funds from which you received assistance. You may also be required to repay any funds you received in excess of your tuition costs that were intended to assist you with living expenses while you attended school.
- Check your financial aid awards disbursed against your Financial Aid Award Letter each semester on your bill from the Business Office.
- Know that if you are in default on any loans and/or owe aid repayments, you will be denied further aid.
- Know that if you receive aid that exceeds your calculated need, you must repay the excess.
- Notify the Office of Student Financial Planning if you drop below half-time enrollment (fewer than 6 credits each term).
- Notify the Office of Student Financial Planning if you change your name.
- Apply for financial assistance annually.
- Keep copies of all billing statements.
- Seek clarification if you do not understand any portion of the financial aid process.
Carthage Scholarship/Grant Program
Carthage administers an aggressive merit scholarship program. These awards are made at the time of admission without regard to financial need. Several of these scholarships are competitive and require a special application, while others are automatically awarded. They are based upon demonstrated academic achievement to date and potential to succeed. Available for up to four years of continuous, full-time undergraduate enrollment, each award requires maintenance of a minimum cumulative grade point average (GPA) at the end of each Spring Term as indicated below:
Scholarship/Grant Minimum GPA Academic Honors Scholarship 2.75 Alumni Grant 2.00 Badger Boys/Girls State Scholarship 2.50 Bridges Scholarship 2.25 Carthage Scholarship 2.00 Clausen Scholarship 3.25 Dean’s Scholarship 2.50 ELCA Grant 2.00 Faculty Scholarship 2.50 Kenosha Police and Fire Scholarship 2.00 Kenosha Scholarship 2.75 Laura Kaeppeler Kenosha Scholarship 2.75 Lincoln Scholarship 3.25 Mary Lou Mahone Kenosha Scholarship 2.75 Math/Science Scholarship 3.00 Ministerial Grant 2.00 Modern Language Scholarship 3.00 Multicultural Scholarship 2.00 Music Scholarship 2.00 Phi Theta Kappa Scholarship 2.75 President Anderson Scholarship 3.25 President Dahl Scholarship 3.25 President Lentz Scholarship 3.25 Presidential Scholarship 2.75 Ruud Scholarship 3.25 Sibling Grant 2.00 Spring Scholarship 3.00 Theatre Scholarship 2.00 Transfer Scholarship 3.00 Tri-County Grant 2.00
Each year, at the end of the Fall Term, the cumulative grade point average (GPA) is reviewed for continued scholarship eligibility. Students wishing to use J-Term grades toward their cumulative GPA must submit a written request to the Office of Student Financial Planning prior to the first day of J-Term classes. Warning letters are sent to those who currently are not meeting their scholarship terms and the Spring Term is considered probationary. At the end of each Spring Term, the cumulative GPA is reviewed to determine renewal of scholarship(s).
If the student’s cumulative GPA leads to the termination of the scholarship, the student may submit a written appeal to the director of Student Financial Planning and/or enroll in summer classes at Carthage. Reinstatement of the financial aid depends upon the outcome of the appeal.
The College offers continuing students an opportunity to compete for merit awards, such as Heritage Scholarships, departmental honors, and selected endowed scholarships. These require faculty recommendation and may have additional stipulations as developed by the department or donor. The Office of Student Financial Planning can provide more details.
Each year the federal government randomly selects students to complete a process called verification. This process requires the College to verify information submitted on your Free Application for Federal Student Aid (FAFSA). If you have been selected, you will receive notification from the Carthage Office of Financial Planning asking you to complete our verification worksheet and submit federal income tax transcripts as soon as possible.
Financial aid awards calculated prior to completing the verification process are considered estimates until we have verified your information. If necessary, we will make corrections with the federal FAFSA processor and then confirm the level of financial assistance for which you are eligible to receive. We strongly encourage you to complete this process in a timely manner to lock in your eligibility for state, federal, and institutional assistance.
Eligibility for many awards is based on financial need, as determined through the Free Application for Federal Student Aid (FAFSA).
Institutional Grant Programs
In addition to a broad range of federal and state programs, Carthage supplements these awards with a generous commitment of institutional need-based grants. The financial grant is just one form of institutional aid in which the amount varies based on need and completion of the FAFSA.
Applying Aid to Student Accounts
Federal regulations and Carthage policy require that all grants and scholarships whether from the College or from federal, state, or private sources be applied directly to the student’s account. (Work-Study is a payroll program, and no transfer of funds is made. Please see the section on Work-Study for more information.) For many programs, the aid will be credited to students’ accounts electronically, without the need for students to intervene. Anytime Carthage receives a check requiring a student’s endorsement, the student will be asked to visit the Business Office to sign the check(s).
Early each term, the Office of Student Financial Planning will initiate a process to assure that all funds for which students are eligible be applied to their student account with the Business Office. The bills that students receive from the Business Office will detail the charges and the aid credited to the account. After all charges have been paid, any credit balance remaining will be refunded from loan proceeds.
If a student withdraws or is dismissed from Carthage, the student may be eligible for a refund of a portion of the tuition and board paid to Carthage for that term. (See tuition and residency refunds.) If the student received financial assistance from outside of the family, a portion of the refund will be returned to the grant, scholarship, or loan source from which the assistance was received.
If a student will be withdrawing, the student should obtain a notification of withdrawal form from the Office of the Registrar. The student officially has begun the withdrawal process when this form is completed and returned to the Office of the Registrar. This procedure will enable Carthage to refund the maximum possible institutional charges.
The federal “Return of Title IV Aid” formula derived from the Reauthorization of the Higher Education Act (10/7/98) establishes the percentage of federal aid to be repaid. The federal formula is applicable to any student receiving TIP funding or federal Title IV aid other than Federal Work-Study, if that student withdraws on or before the completion of 60 percent of the term. Other financial assistance will be returned using the same percentage as is used for Title IV aid, whether or not the student received Title IV aid. If a student withdraws without notifying Carthage, the refund is 50 percent, unless Carthage documents that the student was in attendance beyond the completion of 50 percent of the term.
The federal formula provides a return of Title IV aid if the student received federal financial assistance in the form of a Pell Grant, Supplemental Educational Opportunity Grant, TIP Grant, Perkins Loan, Stafford Loan, or PLUS loan, and withdrew on or before the completion of 60 percent of the term. The percentage of the refund is equal to the number of calendar days remaining in the term, divided by the number of calendar days in the term. Scheduled vacation periods of more than four days are excluded.
For purposes of repayment, if federal Title IV aid exceeds institutional charges, the student will be required to repay some of the federal grants or loans released to the student if the student withdraws on or before the completion of 60 percent of the term.
Worksheets used to determine the amount of refund, return of Title IV aid, or repayment are available upon request from the Financial Aid Office.
The following example illustrates how the policy would apply:
Suppose a student withdraws on the 20th day of a 100-calendar-day term. Also, suppose that the charge for tuition was $8,875 and the residency charge was $2,555. The student received a $2,500 federal loan, a $1,500 federal Pell Grant, a $1,150 Wisconsin Tuition Grant, and a $4,000 Carthage grant. The family also paid the balance due in full in the amount of $2,280. Eighty percent of the total Title IV aid and 80 percent of each nonfederal aid source would be returned since the student withdrew at the completion of 20 percent of the term. The tuition would be reduced by 80 percent and the board charges would be reduced by $715.20 ($8.94 per day, multiplied by 80 days). The family would then receive a refund check in the amount of $492.50.
This policy went into effect Sept. 1, 1999.
Applying for Need-Based Financial Aid
The financial aid application process is an annual responsibility. The Free Application for Student Financial Aid should be completed electronically at www.fafsa.ed.gov. The federal processor will send renewal information each year thereafter. If your renewal information is not received by Jan. 1, stop by the Office of Student Financial Planning for directions on how to proceed. Failure to file the FAFSA each year may jeopardize your smooth progression through registration and check-in.
For additional financial aid information, contact the Office of Student Financial Planning at 262-551-6001.
Satisfactory Academic Progress Policy
Federal regulations require that a student receiving financial aid maintain satisfactory academic progress according to the policies established by the institution. Academic progress will be evaluated on the basis of cumulative credit hours and cumulative grade point average.
Course incompletes, withdrawals, course repeats, and noncredit remedial courses do not count as credit in maintaining satisfactory academic progress. The maximum time frame in which students must complete their degree program is as follows:
Minimum number of cumulative credit hours completed at the end of that year 1 24 2 50 3 78 4 108 5 138
- Part-time Students
Allowed an 8-year period.
Minimum number of cumulative credit hours completed at the end of that year 1 12 2 24 3 48 4 64 5 84 6 100 7 120 8 138
- Graduate students shall have a four-year period as defined by the Master’s program, completing a total of 8 credits per academic year.
- GPA and Completion Standards
Students must maintain at least a 2.0 cumulative GPA. Students who do not maintain the required GPA will have their academic standing evaluated on the basis of the chart under Academic Standards. In addition to the GPA requirement, a student must also complete a minimum of 67 percent of course work attempted.
- Financial Aid Probation Criteria
Students who do not meet the satisfactory academic progress requirement may appeal for one term of probation in which they can receive financial aid. Since progress is evaluated at the end of each Spring Term, the probationary term will usually be the upcoming Fall Term. If the student has not shown progress at the end of the probationary term, additional financial assistance may be withheld until the cumulative hour requirement and/or GPA requirement is met.
- Financial Aid Appeal Process
Students whose financial aid has been withheld because they have not met the Satisfactory Academic Progress Policy may appeal to the Financial Aid Committee.
- Financial Aid Adjustments
Occasionally, adjustments are made to financial aid awards reflecting either an increase or decrease in state, federal, private, or institutional funding. Understand that your eligibility for specific funds may be altered due to federal guidelines if you later find you qualify for outside assistance (e.g., veterans’ benefits, private scholarships, grants, etc.). In the event this should occur, you will receive a revised award letter and your next billing statements will reflect the changes.
Less Than Full-Time Enrollment
Students enrolled with fewer than 12 credits during any one term are considered part-time students. Financial aid to part-time students is limited to eligibility for Federal Pell Grants, Federal Grad PLUS, ACG, SMART, TEACH, Federal Stafford Loan, or Federal Unsubsidized Stafford Loan. Individuals enrolled on a part-time basis must be degree-seeking students in order to receive Title IV funding, or enrolled in an eligible certification program.
Students who are awarded a full-time aid package and drop below full-time status prior to the end of the refund period will be considered part-time students and have the aid award adjusted. Should a student be enrolled full-time at the end of the refund period, and subsequently drop to less than 12 credits, the aid package is unaffected, but the student may have difficulty maintaining satisfactory academic progress, and future aid eligibility may be jeopardized. Students should visit the Office of Student Financial Planning before changing enrollment from full-time to part-time status.
- Housing Status
Students who change their living status from resident to commuter, or vice versa, may see changes in their financial aid awards. To make sure these changes will fit within your financial budget, discuss any residence changes with a financial aid representative before committing to a new residence.
- Full-time Students
The College gratefully acknowledges the following endowed scholarship funds that provide permanent scholarship opportunities in support of deserving full-time undergraduate students:
- Wilbur M. and Mabel M. Allen and Philip and Karin Pratt Scholarship
- Anton B. and Adele R. Altera Scholarship
- Alan and Irma Anderson Scholarship
- Clarence Anderson Scholarship
- Arneson Family Scholarship
- Thomas R. Beau Memorial Scholarship
- Ella Sue Beck and Mildred Beck Scholarship
- Edgar W. Belter Scholarship
- Donald O. Benson, Sr. and Anne C. Benson Scholarship
- Samuel H. and Helen E. Bess Scholarship
- The Reverend James P. Bishop Scholarship
- Dexter and Nancy Black Scholarship
- Frank J. Borsh Scholarship
- Hazel Bothe Memorial Scholarship
- Merle and Eunice Boyer Scholarship
- Patricia and Harold Brainard Scholarship
- Melissa Brannon Memorial Scholarship
- Muriel N. and Jerald C. Brauer Scholarship
- Walter H. and Irene B. Brinkman Scholarship
- Betsy and Howard Brown Scholarship
- David and Lyn Brunn Scholarship
- Brunswick Corporation / Niemann Scholarship
- Edith J. and William H. Bullamore Scholarship
- Dwight W. Byram Scholarship
- Wilbur D. and Martha S. Capps Scholarship
- Harry F. and Elizabeth Lesher Carlson Scholarship
- The Carthage Women’s Club Scholarship
- Blake R. and Marie E. Children Scholarship
- Class of 1925 Scholarship
- Class of 1927 Scholarship
- Class of 1928 Scholarship
- Class of 1930 Scholarship
- Class of 1935 Scholarship
- Class of 1940 Scholarship
- Class of 1942 Scholarship
- Class of 1951 Scholarship
- Class of 1957 Scholarship/Thomas Bowersox Memorial Scholarship
- Class of 1964 Scholarship
- Class of 1965 Scholarship
- A.W. and Joycelynn Clausen Scholarship
- George and Valborg Crossland Scholarship
- The Reverend J. E. and Mary A. Dale Scholarship
- W. Howard Dawe Scholarship
- Delta Upsilon Alumni Association of Carthage College Endowment
- Jacob and Sarah Diehl Scholarship
- William A. and June M. Diehl Scholarship
- Diskerud-Eller Scholarship
- Robert and Lois Dittus Scholarship
- Rolf and Eleanor Dokmo Endowed Scholarship
- Ronald J. and Wilma G. Dopp Scholarship
- David J. Dorak Memorial Scholarship
- Downing / Michie Scholarship
- Stephen B. Dozier Scholarship
- Karl and Lydia Easterday Scholarship
- David and Doris Ehlert Scholarship
- Donald and Virginia Eken Scholarship
- William and Amanda Eller Scholarship
- James C. Ellis and Mary Tice Ellis Scholarship
- Leone and Harold Ferron Scholarship
- Rev. Dr. Ellsworth and Kay Freyer Scholarship
- John and Judy Fritsch Scholarship
- Emmert and Leola Gassman Memorial Scholarship
- Dr. Pearl E. Goeller and Family Scholarship
- Dr. Paul G. Goerner Scholarship
- Herbert H. Goodman Scholarship
- Kenneth F. and Edna L. Gross Scholarship
- Gutkind-Kraemer Scholarship
- Fred O. Haas Scholarship
- Richard and Diane Halom Scholarship
- Kenneth and Janice Hamm Scholarship
- Nancy Ross Hanisch Memorial Scholarship
- Elmer and Eudora Hanke Scholarship
- Burdette Harris Scholarship
- Kathy Harris Scholarship
- Mae and Jack Harris Scholarship
- Verna Hey and William J. Harshman Scholarship
- Christen P. and Anna J. Heide Scholarship
- Janet L. and Steen W. Heimke Scholarship
- Walter O. and Adele E. Helwig Scholarship
- Donald Hensey Scholarship
- T. Shandy Holland Scholarship
- Carol Holm Scholarship
- Anna, Stefan, and Suzanne Hrajnoha Scholarship
- Charles Melvin Hurd and Harriet Howe Hurd Scholarship
- Edna M. Johnson Scholarship
- John and Elizabeth Johnson Scholarship
- The Kaelber Scholarship
- The Reverend Oscar C. and Victoria Kaitschuk Scholarship
- Kappa Phi Eta Scholarship
- Arthur T. Keller Scholarship
- Mary Katherine Kent-Rohan Scholarship
- Harriet and Joseph Kern Scholarship
- Clayton and Pearl Kesselring Scholarship
- Ewald Kessler Scholarship
- Jack and Annette Kilver Scholarships
- Merton Elihu Knisely Scholarship
- David B. Knowles Memorial Scholarship
- Inez G. Koch Scholarship
- Irène Kraemer Starting Over Scholarship
- William C. Krauss Scholarship
- Krueger Family Scholarship
- Conrad Kuhl Scholarship
- Henry and Vera Kuhn Scholarship
- Herbert C. Kurth Scholarship
- The Flora Testa Lalli Scholarship
- Anna K. Larsen Memorial Scholarship
- Lester O. Leenerts Scholarship
- Eleanor and Harold Lentz Scholarship
- Thomas W. Lentz Scholarship
- Ralph S. Leonard Scholarship
- Lukas Family Scholarship
- Lutheran Brotherhood Scholarship
- Norman E. and Grace B. Lutz Memorial Scholarship
- Gladys D. Lynch Scholarship
- Joseph F. and Shirley M. Madrigrano Scholarship
- Thomasina and Aldo Madrigrano Family Scholarship
- Elizabeth Mancuso Memorial Scholarship
- Frederick and Jewel Marks Scholarship
- Edith B. and Frank C. Matthies Scholarship
- Mr. and Mrs. William McFetridge and Barbara McFetridge Scholarship
- Lieutenant Colonel Jack M. Meiss, Barbara J. (Meiss) Welling, and Dr. Guy T. Meiss Scholarship
- John H. and Mary L. (Hall) Meiss and Olive C. (Meiss) Padre Scholarship
- R. William Miller Scholarship
- The Rev. Dr. Melvin and Linda Miritz Scholarship
- Don L. Moldenhauer Scholarship
- The Thomas and Sarah Montemurro Scholarship
- Erva Moody Memorial Scholarship
- Robert Morin and Phyllis Kaye Scholarship
- Martin Mortensen Scholarship
- Neergaard-Arhelger Scholarship
- Rev. Carl O. and Edith W. Nelson Scholarship
- Carl Wilbur Nelson Scholarship
- Ernest and Edna Newhouse Scholarship
- Jack and Bernice Newkirk Scholarship
- Theodore and Mildred Nicholson Scholarship
- William L. Niemann Scholarship
- Harry and Lois Niese Family Scholarship
- The Rev. Jack and Marian Nitz Scholarship
- Dr. Herman Ogren Scholarship
- Duane M. Olson Scholarship
- Eric H. Olson and Anna Olson-Thom Scholarship
- George and Hazel Osborn Scholarship
- Miriam E. Owsley Scholarship
- Wilfred A. and Helen M. Pagel Scholarship
- Dr. Clifton E. Peterson Scholarship
- Frank and Corinne Petretti Family Scholarship
- Susan (Worley) Pietrowski Memorial Scholarship
- Pi Theta Scholarship
- Mary Etta and Dr. Richard A. Powell Scholarship
- Dolores R. Prellberg Scholarship
- Albert and Marion Pufahl Scholarship
- Raymond J. Pugesek, Jr. Scholarship
- Henry Queckenstedt Family Scholarship
- Warren and Carol Reckmeyer Family Scholarship
- Rhine and Unglaube Scholarship
- Evelyn A. Rogers Scholarship
- Nelson Peter Ross Memorial Scholarship
- Alice (Mack) and Neill O. Rowe Scholarship
- Russell and Marion Rutter Scholarship
- Ruud Academic Excellence Scholarship
- Alan J. Ruud and Susan B. Stover Scholarship
- Glenn A. and Eleanor S. Sather Scholarship
- Judith Schaumberg Scholarship
- Grace C. Scheel Scholarship
- Lois A. Schmidt Scholarship
- Gwendolyn Braun Schmiedeskamp Scholarship
- Ceola Erlsten Yeager Schoenig Scholarship
- Schumacher / Broderdorf Scholarship
- Loren H. and Vickie Semler Bridge Scholarship
- Martha Shippert Scholarship
- Marie and John Sladek Scholarship in Fine Arts / Natural Sciences
- Edward and Alice (Lawler) Smeds Scholarship
- Louis W. Smith, Jr. Scholarship
- Karl L. Solum Scholarship
- The Rev. Donald Sondrol Scholarship
- Wilfred J. and Marie Sonntag Scholarship
- Lili Sorokin Scholarship
- Fred W. and Marguerite Spangler Scholarship
- John R. and Margaret O. Spangler Scholarship
- Special Opportunities Scholarship
- W. Carl and Esther C. Spielman Scholarship
- Grace C. Staber Scholarship
- Ronald and Barbara Stamer Scholarship
- Donna Wolf Steigerwaldt / Jockey International, Inc. Scholarship
- John and Evelyn Susina / Barbara Susina Stewart Scholarship
- Thorberg Swenson Scholarship
- J. Bannen Swope Scholarship
- Tarble Family California Scholarship
- Tau Delta Psi Scholarship
- Alois H. Tennessen Scholarship
- Ralph J. and Margaret Tenuta Scholarship
- Dorothy Myhre Tolleson Memorial Scholarship
- Joy Valentine Scholarship
- Veterans Scholarship
- Frank and Ruth E. (Wuerzberger) Vorpahl Scholarship
- Wagner Brothers Scholarship
- Walker Manufacturing Scholarship
- Georgene L. Wall Scholarship
- Mildred and Delferd Walser Scholarship
- Albert and Mary Kimbrough Webb Memorial Scholarship
- Weightman Memorial Scholarship
- David and Heather Wiers Scholarship
- Dr. Robert D. Wolff Scholarship