Waldorf College will verify your attendance in each registered course at the end of the first week. The discussion board posting or Unit I Assessment must be submitted to verify attendance and all Unit I assignments are due by the end of week one to receive credit. Students who choose not to attend the first week will be institutionally dropped from the course.
Enrollment Status Requirements
The number of semester hours a student is enrolled during an 8-week term affects the amount of FSA the student will receive. Students must be enrolled on at least a half-time status in consecutive terms. Students not meeting the attendance standard indicated above in one or all of their courses will receive a reduction in their enrollment status. If a student does not meet the minimum enrollment status, FSA will not be disbursed. Please refer to the chart below for enrollment status classifications.
Dropping or Withdrawing from Courses
Dropping or withdrawing from courses can affect a student’s enrollment status, which in turn affects eligibility for FSA. If a student’s status drops below half-time as a result of a drop or withdrawal during the term, the student may become ineligible for Federal Student Loans including funds that may have already been disbursed for the term. See the Term Enrollment Policies page for more information.
Incomplete Course Policy
Students may request a single 45 day extension for each course. Please visit the Term Enrollment Policies section of our website for more details about this policy. Students on extension will receive an "I" (incomplete) grade in their course until the extension ends or course is completed. A grade of “I” is equal to a grade of “F” for Satisfactory Academic Progress (SAP) calculations. Therefore, grades of "I" may affect a student's future registrations, grade point average and eligibility for FSA.
Students receiving FSA must follow an academic calendar consisting of an “academic year” that is made up of four terms; each term is 8 weeks in length. The academic year starts on the start date of the first term in which FSA is used. The academic year must be at least 32 weeks of instructional time for financial aid purposes. A full-time undergraduate student must be expected to complete at least 24 semester hours (6 hours each term) within the weeks defined in the academic year.
Course Load Policy
The program advisor must approve all course loads over seven semester hours. Students requesting course loads over seven hours must have a minimum GPA of 3.0. The maximum course load allowed is nine semester hours (3 courses). A student may not take courses in overlapping terms. Course grade reports will be issued at the end of the term.
Note: A full-time load in an 8-week term is 6 hours for undergraduate programs.
Leave of Absence Policy
Students unable to enroll in one or more terms may apply for a temporary Leave of Absence (LOA) from the College. This policy is designed to allow a student the flexibility to take a temporary break from their academic program and upon return a student will not be required to apply for readmission to the College. A student will not be granted a LOA in the middle of a term; therefore, for purposes of Title IV, a student granted a temporary LOA will be considered withdrawn from the College during this time. A student is expected to complete all courses if currently enrolled in a term and apply for a LOA to begin at the start of the next term in the academic program. If a student is having difficulty or unable to complete all courses in the term, the student may apply for an incomplete or an incomplete for special circumstance, or the student may withdraw, in which case a Return of Title IV calculation may be required.
A student may apply for a LOA by submitting the Leave of Absence Request Form located in myWaldorf Student Portal. All requests must be submitted a minimum of three weeks prior to the start of the term a student will be unable to attend. A temporary LOA from the College will only be granted to a student planning to return to their academic program at the end of the LOA. In addition, the LOA request may not exceed more than two consecutive terms within a 12 month period. A student may request more than one LOA during the student’s academic program not to exceed two terms within a 12 month period. A student may return from a LOA early and resume enrollment in the next available term or enrollment period.
Important facts concerning a Leave of Absence:
Military Deployment Policy
Waldorf College will offer the following options to a student who is a member, or the spouse of a member if the member has a dependent child, of the Iowa national guard or reserve forces of the United States and who is ordered to state military service or federal service or duty:
Unofficial Withdrawal Policy
If no assignments are submitted in the last 21 days of the term and the student receives a failing grade, the student will be withdrawn from the course and a grade of "WF" will be assigned. Grades of "WF" count in the calculation of the student's GPA the same as a grade of "F." "WF" also is counted in attempted hours. A charge will be posted to the student's account if the text was supplied through the Waldorf Book Grant. An email will be sent to the student providing a link to the Course Drop/Textbook Return Form.
If an assignment has been submitted in the last 21 days of the term, the student will not be withdrawn and no action will be taken. The grade calculation will automatically occur as follows: Any non-submitted assignments will be given a grade of "0" and the final grade calculated.
When determining "Last Day of Attendance" for financial aid purposes, the course mid-point or last assignment date, whichever is later, will be used.
Satisfactory Academic Progress Policy (SAP)
Federal regulations require Waldorf College to establish and apply reasonable standards of Satisfactory Academic Progress (SAP) for eligible students to receive financial assistance under the programs authorized by Title IV of the Higher Education Act. Waldorf students who wish to be considered for financial aid must:
SAP is a Federal Student Aid eligibility requirement and is administered by the College in addition to the academic standards of performance required under the Waldorf Satisfactory Academic Progress (SAP) policy. The SAP policy is reviewed annually by the Waldorf Registrar.
Students are evaluated at the end of every term for SAP. All students are evaluated on three standards: grade point average (qualitative measure), semester hours completion ratio (quantitative measure), and maximum timeframe. To maintain eligibility under SAP, students must meet all three standards.
Standard 1: Grade Point Average (Qualitative Measure)
Students must maintain a minimum qualitative measure of progress defined as the Cumulative Grade Point Average (CGPA). Students must maintain a 2.0 Cumulative GPA.
Standard 2: Semester Hour Completion Ratio (Quantitative Measure)
Students (either full-time or part-time) must achieve a passing rate of at least 67 percent of all hours attempted to demonstrate proper pace. Hours attempted include completed courses, repeated courses, withdrawals, and incompletes. Transfer credit, if applicable, is also calculated in the completion ratio.
Standard 3: Maximum Timeframe
Students must complete their degree program within 150 percent of the semester hour requirements for the degree. Students must complete an associate’s degree within 90 semester hours and a bachelor’s degree within 180 semester hours. Students who are unable to complete their degree program within the timeframe limitation will no longer be eligible to use Federal Student Aid to cover any costs associated with completing their degree program. Transfer credit, if applicable, is also calculated in the maximum timeframe calculation.
Students are notified of the SAP policy in the Waldorf catalog, website, and during the initial financial aid application process. All periods of enrollment at Waldorf are calculated in SAP, including periods of enrollment during which a student did not receive financial aid. Cumulative GPAs are calculated using grades earned at Waldorf.
Transfer credits accepted toward the student’s degree program will be included when calculating the SAP Maximum Timeframe and quantitative progress. This includes credit for English as a Second Language (ESL) and remedial courses, if accepted toward the degree program.
Students receiving Title IV Aid may repeat a course, as allowed under the Waldorf Satisfactory Academic Progress policy. Repeated courses will count toward the quantitative and maximum timeframe SAP standards.
Students receiving Title IV Aid may receive incomplete grades, as allowed under the Waldorf Satisfactory Academic Progress policy. Incomplete grades will count toward the quantitative and maximum timeframe standards of SAP. Students who do not complete course requirements after an incomplete grade is assigned will receive a course grade based on the assignments completed with zeros being assigned for non-completed assignments.
Second Bachelor’s Degree
Students must complete their degree program within 150 percent of the semester hour requirements for the degree. Students must complete an associate’s degree within 90 semester hours and a bachelor’s degree within 180 semester hours. Transfer credit, if applicable, is also calculated in the maximum timeframe calculation. Students pursuing a second bachelor’s degree are not eligible to receive Federal SEOG or Pell Grants.
Students are evaluated at the end of every term for SAP. Students who have not met the conditions for satisfactory academic progress will be placed on academic warning for the following term and will be expected to work with their academic advisor to discuss enrollment options. Students on SAP Warning status will continue to be eligible to receive federal aid for this additional eight-week term. Students on SAP Warning status who fail to meet SAP standards at the end of the eight-week term will be dismissed from the college.
Students on Failing SAP status may appeal to the Admissions and Academic Progress Committee if they have extenuating circumstances during the period of academic substandard performance and are able to provide supporting documentation. The student may appeal the dismissal to the Admissions and Academic Progress Committee. Appeals may be filed by faxing the appeal to the attention of the Vice President of Academic Affairs at 641-585-8194. The appeal must include the reason(s) why the student failed to meet satisfactory academic progress and what will change to allow the student to meet the standards at the next evaluation. The committee will make every effort to consider each appeal carefully and provide a decision within seven to 10 business days. The committee will make one of the following decisions regarding the student’s appeal:
Students on academic probation or academic plan may be required to retake courses in which D or F grades were received, take a reduced credit-load, and/or become involved in special programs. They are also required to submit periodic academic progress reports.
If it becomes apparent that a student is not profiting from the course, as evidenced by poor attendance or poor performance, the Vice President of Academic Affairs may dismiss a student without any warning period at any point during the term.
Students who do not submit any coursework within a twelve- month period will be considered inactive and any tuition being held by the college will be forfeited. Students desiring to return to their studies must be reevaluated and will be subject to any changed academic requirements, tuition increases, and policy changes in force at the time of reenrollment.
Verification Process and Procedures
Waldorf must check the accuracy of all applications the Central Processing System (CPS) selects for verification, up to 30 percent of our total number of federal aid applicants. The CPS will select applicants for verification due to edit checks which identify inconsistencies or potential errors, as well as randomly select applicants for verification. Waldorf College must also verify any application information that it has reason to believe is incorrect or discrepant. If the CPS selects an application for verification, it is required that Waldorf verifies five major data elements:
Students selected for verification are sent a letter including instructions regarding the documents that should be submitted to Waldorf within ten days. The file is held on a pending status and no award will be made until the requested documentation has been received and reviewed. Exceptions are granted for students that are only eligible for unsubsidized Stafford loans, and PLUS loans as these applications do not have to be verified.
The data reported on the verification worksheet, federal tax returns, and other supporting documentation provided is checked against the appropriate data elements on the Institutional Student Information Record (ISIR). Generally speaking, when the new information conflicts with the original information presented on the FAFSA, corrections, updates, and adjustments may need to be made and a new expected family contribution (EFC) calculated. The new EFC can be calculated by the school and only needs to be submitted to CPS for students eligible for Federal Pell Grants.
Undergraduate Grade Level Determination
Any student pursuing an undergraduate degree must be classified by grade level, as well as meet grade level progression in order to comply with the requirements of FSA and the Federal Family Education Loan (FFEL). Graduate students do not have grade level requirements.
Please refer to the table below to determine the grade level or the progression rate of an undergraduate student.
Grade level progression occurs after 24 semester hours are successfully completed. This is based off of the federal requirement that an academic year must meet minimum requirements. At Waldorf, this means a minimum of 24 semester hours and a minimum of 32 weeks of instruction.
Any new student entering Waldorf who wishes to use FSA must first be fully accepted into an approved program. The results of the evaluation will determine what credit will transfer into Waldorf, which will also determine the student’s current grade level. While attending Waldorf, the student will need to submit a course transfer request form if subsequent coursework is completed outside of Waldorf. Then the student’s grade level would be recalculated using the additional transfer credit to ensure that the student’s account and grade level will be accurate. Regarding loan limits associated with a student’s grade level, a student will only progress to a higher grade level once he/she begins a new academic year.
Loan Entrance/Exit Counseling (Required)
The U.S. Department of Education requires that any student receiving a FFEL complete loan entrance and exit counseling. Loan entrance counseling provides information to students concerning how to manage student loans, both during and after college. Exit Counseling is generally required once a student drops below half-time enrollment status, withdraws or graduates. The student must notify the Waldorf Office of Financial Aid prior to withdrawal or graduation for loan counseling. The purpose of loan exit counseling is to inform the student of their tentative total loans received while in attendance at Waldorf and to provide the student with an estimated payment schedule.
Borrower Rights & Responsibilities
When a student takes on a student loan he/she has certain rights and responsibilities.
The borrower has the right to receive the following information before the first loan disbursement.
The borrower has the right to receive the following information before leaving school.
When a student applies for financial aid, the package awarded is based on an academic year. The academic year consist of 4 terms (32 weeks). FSA awarded for the academic year will be divided into four payment periods that will cover each term.
Pell Grant disbursements will not post to a student’s account until after day 14 of the term. Excess Pell funds will be refunded to the student no sooner than 21 days after the term starts. After the first week of the term has ended, Waldorf will verify that first week of assignments have been completed in all courses enrolled for that term. It is very important that a student completes the first week of instructional requirements; otherwise it will result in the student being institutionally dropped from the course(s). Any Pell eligible student institutionally dropped from a course(s) will have an adjustment to their award.
Federal loans for students will also not be disbursed to Waldorf until attendance has been confirmed. Excess loan funds will be refunded to the student (or lender if designated by the student) within 14 days of receipt by Waldorf or no sooner than 21 days after the term starts.
Once federal funds have been disbursed, students will receive a disbursement notice via email from the Waldorf College Office of Financial Aid.
Loss of Financial Aid Eligibility
Federal regulations require Waldorf to establish and apply reasonable standards of Satisfactory Academic Progress (SAP) for eligible students to receive financial assistance under the programs authorized by Title IV of the Higher Education Act. Waldorf students who wish to be considered for financial aid must:
SAP is a FSA eligibility requirement and is administered by the university in addition to the academic standards of performance required under the Waldorf Academic Progress Policy. The SAP policy is reviewed annually by the Waldorf Financial Aid Committee. For more information, please visit the Term Enrollment System Policies page.
Suspension of Federal Student Aid
By statute, students on Financial Aid Probation who do not meet SAP requirements after the probationary period are ineligible for Title IV Federal Student Aid programs. Students who do not maintain SAP or fail to meet the conditions of their Financial Aid Probation will be notified by Waldorf and suspended from receiving Title IV Federal student aid. Students may appeal suspensions by completing the SAP Appeal Petition. Requests for reinstatement of eligibility must be made to the Waldorf Office of Financial Aid no later than one month prior to the term in which the student desires to enroll. Reinstatement following suspension is not automatic.
Students may appeal their suspension under SAP if they were unable to maintain SAP as a direct result of hardship or special circumstances, as provided by federal regulations. Personal situations such as the death of a student's relative, an injury or illness of the student, or other special circumstance may prevent a student from achieving satisfactory academic progress. As a result, a student may appeal his or her suspension of Federal Student Aid by completing the SAP Appeal Petition and submitting the Petition to the Financial Aid Office. If the Appeal is approved, a student will have a probationary period of 12 semester hours (attempted hours) during which he or she will receive financial aid and reestablish eligibility under SAP.
The Financial Aid Director will submit completed SAP Appeal Petitions to the Financial Aid Appeal Board for review. The Appeal Board will make the final determination on all Appeal Petitions and forward all decisions to the Financial Aid Director for action. The Financial Aid Director will notify students of their appeal results.
Financial Aid Appeal Procedure
Students may appeal their suspension of financial aid if the student were unable to meet SAP requirements as a direct result of undue hardship or special circumstances, as stated in the federal regulations. Situations such as the death of a student’s relative, personal injury or illness sustained by the student, or other unusual circumstances may prevent a student from achieving SAP. As a result, students have the right to appeal their financial aid suspension by completing the SAP Appeal Form. The appeal will be reviewed by a committee and, if approved, the student will be notified in writing and granted an additional probationary period of one term in which they will receive financial aid and reestablish eligibility under SAP.
Reestablishing Financial Aid Eligibility
A student not making SAP may re-establish eligibility on his or her own, either because an appeal was denied or because he or she did not submit an appeal. A student can re-establish SAP on his or her own by completing enough hours with an acceptable GPA to bring their statistics back to an acceptable level.
Return of Federal Title IV Student Aid Funds Policy
As part of the Higher Education Amendments of 1998, Congress passed new provisions governing what must happen to your Federal financial assistance if you completely withdraw from school in any term. This change of policy went into effect at Waldorf College beginning with the Fall 2000 term. The policy governs all Federal grant and loan programs, including Federal Pell Grant, Federal Perkins Loan, Federal SEOG, Federal TEACH Grant, and Federal Direct Loans, but doesn't affect Federal Work-Study.
In general, the new law assumes that you earn your Federal student aid awards directly in proportion to the number of days of the term you attend. If you completely withdraw from school during a term, the school must calculate according to a specific formula the portion of the total scheduled financial assistance you have earned and are therefore entitled to receive up to the time you withdrew. If you receive (or the College receives on your behalf ) more assistance than you earn, the unearned excess funds must be returned to the Department of Education. If, on the other hand, you receive (or the College receives on your behalf ) less assistance than the amount you have earned, you may be able to receive those additional funds.
The portion of your Federal grants and loans you are entitled to receive is calculated on a percentage basis by comparing the total number of calendar days in the term to the number of calendar days you completed before you withdrew. (The total number of calendar days in a term shall exclude any scheduled breaks of more than five days.) For example, if you complete 30% of the term, you earn 30% of the assistance you were originally scheduled to receive. This means that 70% of your scheduled awards remain unearned and must be returned to the Federal government.
Federal aid funds are returned in the following order, both by the College and the student:
Once you have completed more than 60% of the term, you can be said to have earned all (100%) of your assistance. If you withdraw from the College (either officially or unofficially) before completing 60% of the term, you may have to repay any unearned Federal funds that were already disbursed to you.
Your withdrawal date will be determined by the College as (1) the date you began the College withdrawal process or the date you officially notified the Registrar of your intent to withdraw; (2) the midpoint of the term if you withdraw without notifying the College; or (3) your last date of attendance at an academically-related activity as documented by the College.
If you have received excess funds that must be returned to the government, the College shares with you the responsibility of returning those excess funds. The College's portion of the excess funds to be returned is equal to the lesser of
If the College is not required to return all of the excess funds, you must return the remaining amount. Any loan funds that you must return must be repaid according to the terms of your promissory note. If you must return any grant funds, the law provides that the amount you must repay is to be reduced by 50%. This means that you only have to return half of any excess funds you receive.
If the return of unearned Federal assistance causes any portion of your tuition and fees to become uncovered, you will be billed by the College. In such cases, you will be required to make arrangements with the Business Office to pay the balance. Refunds and adjusted bills will be sent to the student's home address on file in the Office of the Registrar following withdrawal. Students are responsible for any portion of the institutional charges that are left outstanding after Title IV and other funds are returned.
Any award money you do have to return is considered a Federal grant overpayment. You must either repay the amount due in full or make satisfactory arrangements with the Department of Education to repay the amount. You must complete these arrangements within 45 days of the date of the College's notifying you of your overpayment status or risk losing your eligibility for further Federal financial assistance. You may contact the U.S. Department of Education Claims Division at (800) 621-3115.
The requirements for a post-withdrawal disbursement are similar in many ways to the requirements under Subpart K – Cash Management of the Student Assistance General Provisions regulations. However, in some cases, the post-withdrawal disbursement requirements differ from the cash management requirements. Any post-withdrawal disbursement due must meet the current required conditions for late disbursements. For example, The U.S. Department of Education must have processed a Student Aid Report (SAR) or Institutional Student Information Record (ISIR) with an official EFC prior to the student’s loss of eligibility. These conditions are listed in a chart on Late Disbursements in Volume 4 – Processing Aid and Managing Federal Student Aid Funds. A school is required to make (or offer as appropriate) post-withdrawal disbursements. A post withdrawal disbursement must be made within 180 days of the date the institution determines that the student withdrew. The amount of a post-withdrawal disbursement is determined by following the requirements for calculating earned FSA, and has no relationship to incurred educational costs.
Returning Unearned Funds
Waldorf and the student could both be responsible for returning unearned funds to the appropriate programs in specific loan/grant order, depending on the result of the R2T4 calculation. Waldorf must return the lesser of:
Amounts that must be returned will first be applied to federal loans and then to grants. Loan borrowers will be permitted to repay loans based on the terms of the promissory note.
The student will also be billed for any amount due to Waldorf resulting from Waldorf return of federal aid funds. For example, if Waldorf is required to return federal aid, which was used to pay a portion of the student’s charges for the enrollment period, the student is required to pay Waldorf College for the unpaid portion of the charges.
If a student owes any money to Waldorf College resulting from the return of federal funds, the student will receive a bill from the Business Office.
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