Baker edu solar

BAKER COLLEGE 1116 W BRISTOL RD FLINT MI 48507-5518 (810) 766-4390

VANGARLENE JOHNSON 3912 CARTHAGE RD RANDALLSTOWN MD 21133-4510

2016/01/05

BAKER COLLEGE ONLINE 1116 W BRISTOL RD FLINT MI 48507-5518 (800) 796-7064

Dear VANGARLENE: PAGE 1

CONGRATULATIONS. It has been determined that you are eligible to receive financial aid for the 2015-2016 school year for attendance at BAKER COLLEGE.

Enclosed you will find a Financial Aid Notification showing the amount of financial aid you will receive for the 2015-2016 school year.

If all your costs are not covered by the awarded financial aid, below are some available options:

* Apply for a loan by completing the enclosed Loan Request Forms (if available) OR apply online at https://carina.baker.edu/solar * Make arrangements to pay your account through cash or credit * Contact the Business Office regarding other payment options * Work with your employer regarding any tuition assistance benefits they may offer

If you have any questions regarding your Financial Aid Notification, please call us at (800) 796-7064 or email us at finserv-ol@baker.edu

Sincerely,

Financial Aid Office

NOTICE: Please do not access FAFSA on the web to make changes to your financial aid application. If you feel that changes are necessary, contact our office.

For consumer information disclosures please visit: http://www.baker.edu/about-baker/disclosure-of-consumer-information

Important Information Regarding Pell Grant Funding: Any Pell Grant award that may be included in your financial aid package is an estimate based on the most recent information received from the Federal Government. If there is a change to your Pell Grant, we will send you a notification.

BAKER COLLEGE STUDENT LOAN SUMMARY DATE OF REPORT: 2016/01/05

VANGARLENE JOHNSON 107-25235 PAGE 2

ANTICIPATED GRADUATION DATE: 2018/12/20

We encourage students to monitor their STUDENT LOAN DEBT and to borrow only the necessary loan amounts. The information below reflects loans you have previously borrowed for attendance at BAKER COLLEGE.

TOTAL LOAN DEBT

STAFFORD LOAN $7,000

UNSUBSIDIZED LOAN $12,000 ---------- Estimated Total Debt $19,000

Estimated Monthly Payment $232.13

The above information is based on the principal loan amounts you received for attendance at Baker College calculated at the maximum interest rate of 8.25%. Your loan balance and payment may be higher if you have loans from other schools, through different agencies, or you do not make interest payments on your unsubsidized loans.

Please visit www.nslds.ed.gov to view all of your loan information, including total loan debt.

YOUR LOANS WILL ENTER REPAYMENT 6-MONTHS AFTER YOU GRADUATE, LEAVE SCHOOL, OR DROP TO LESS THAN HALF-TIME ENROLLMENT.

NOTE: Be sure to notify your lender/servicer of any changes in your name, address, phone number, enrollment status, or graduation date.

BAKER COLLEGE ONLINE 2015 - 2016 FINANCIAL AID NOTIFICATION

VANGARLENE JOHNSON 107-25235 2016/01/05 PAGE 3

FALL WINTER SPRING TOTAL PART-TIME PART-TIME FULL-TIME AID TYPE OF FINANCIAL AID HOURS 08 HOURS 08 HOURS 12 PELL GRANT $ 963 $ 963 $ 1,925 $ 3,851 STAFFORD LOAN 1,155 1,155 1,154 3,464 UNSUBSIDIZED LOAN 1,979 1,979 1,979 5,937 ------ ------ ------ ------- TOTAL FINANCIAL AID $ 4,097 $ 4,097 $ 5,058 $ 13,252

ESTIMATED STUDENT COSTS TUITION $ 1,920 $ 1,920 $ 2,880 $ 6,720 ------ ------ ------ ------- TOTAL EST. STUDENT COSTS $ 1,920 $ 1,920 $ 2,880 $ 6,720 LESS: TOTAL FINANCIAL AID - 4,097 - 4,097 - 5,058 - 13,252 ------ ------ ------ ------- EXCESS AID FOR BOOKS & FEES $ 2,177 $ 2,177 $ 2,178 $ 6,532

**The total est. student costs above do not include books or fees.**

ADDITIONAL STUDENT LOAN ELIGIBILITY: ADDITIONAL RECOMMENDED ELIGIBILITY AMOUNT FEDERAL SUBSIDIZED STAFFORD LOAN $ 0 0 FEDERAL UNSUBSIDIZED STAFFORD LOAN $ 0 0

Review the following pages for important information pertaining to your awards, including loan application instructions.

NOTE: Currently, you are awarded for two or more quarters that have different enrollment statuses. This may result in either an excess or lack of funds during each quarter. Please contact the financial aid office for additional options.

THIS IS NOT A BILL

VANGARLENE JOHNSON 107-25235 2016/01/05 PAGE 4

Information regarding your student loans:

Although the maximum amounts may exceed the recommended amounts, we strongly encourage you to only borrow the recommended amounts. Borrowing conservatively will reduce the amount you must repay, and will help ensure you have loan funds available in future quarters and academic years.

To request your Stafford Loan, complete the online loan request by logging into the SOLAR System at https://carina.baker.edu/solar. * Select the STAR System * Select the Financial Aid Office * Select Loan Request * Complete and submit your loan request

The loan amounts on the reverse side cover the following quarter(s): FALL, WINTER, SPRING.

If loans are recommended, the total amount may include $600 per quarter for books and supplies.

BAKER COLLEGE ONLINE 2015 - 2016 FINANCIAL AID NOTIFICATION

VANGARLENE JOHNSON 107-25235 2016/01/05 PAGE 5

CONDITIONS CONCERNING YOUR AWARD

* Actual tuition charges will be determined at the time of registration.

* In order to receive financial aid, you must maintain Financial Aid Satisfactory Academic Progress as published in the Baker College catalog.

* Any change in your enrollment status may affect the amount of aid you receive.

* Any Michigan Tuition Grant or Michigan Competitive Scholarship, which may be indicated, is an estimate and can only be officially awarded by the state. You will receive this notice in a separate mailing from the Michigan Department of Treasury - Office of Scholarships and Grants. Please retain this information for your records.

* Any Michigan Tuition Grant or Michigan Competitive Scholarship which may be indicated can only be used to cover tuition charges. By state regulation, these funds cannot be used toward the purchase of books, supplies or fees; nor can they be refunded to the student.

* If you wish to request a loan and a Loan Request Form is not enclosed or available on STAR, please contact the Financial Aid Office.

* If you have already submitted your Loan Request Form(s), that request may be reflected on the award notification enclosed. In the event that you have additional loan eligibility and wish to request those funds, please contact the Financial Aid Office.

* Any Baker College Grant or BCRS Merit Award that may be listed, can only be used to cover tuition charges and will not be disbursed until week seven (based on the on-ground calendar). If you have other types of financial assistance, or your awards exceed tuition charges, these awards may be reduced or cancelled. In addition, the award amount will be re-calculated, and possibly reduced, if classes are withdrawn prior to disbursement. If you are later awarded Michigan Tuition Grant or Michigan Competitive Scholarship funds, any Baker College Grant or BCRS Merit Award may be reduced or cancelled.

BAKER COLLEGE FINANCIAL AID SATISFACTORY ACADEMIC PROGRESS RULES UNDERGRADUATE STUDIES

VANGARLENE JOHNSON 107-25235 2016/01/05 PAGE 6

INTRODUCTION

In order to receive federal, state, or institutional aid, regulations require that students maintain satisfactory academic progress toward completion of their current academic program. All students will have their progress reviewed, whether or not they are receiving financial aid, since these rules decide eligibility for future quarters.

There are three academic standards that all students are required to maintain in order to remain eligible for future financial aid assistance. The standards required to maintain eligibility for financial aid are Grade Point Average (GPA), Pace, and Maximum Timeframe. In addition, students must be accepted for continued enrollment under the policies defined in the Baker College catalog.

GRADE POINT AVERAGE (GPA) REQUIREMENT

Baker College will evaluate the GPA requirement after each spring quarter. Students on a certificate or diploma program of 48 or fewer credit hours (based on published catalog hours) will be evaluated quarterly. Students will be considered in violation if they do not maintain the minimum GPA requirement. Listed below are the minimum GPA requirements for the initial review. Please note that these minimums only apply to the first review; all subsequent reviews require that the student maintain a 2.0 GPA.

Credit Hours Initial Review Attempted Minimum GPA --------- ----------- 1-16 1.50 17-32 1.65 33-48 1.80 49-64 1.90 65 and above 2.00

PACE REQUIREMENT

Baker College will evaluate the Pace requirement after each spring quarter to ensure that students successfully complete two-thirds of their cumulative hours attempted (including transfer credits). Students on a certificate or diploma program of 48 or fewer credit hours (based on published catalog hours) will be evaluated quarterly. Students will be considered in violation if they do not meet this requirement.

MAXIMUM TIMEFRAME REQUIREMENT

Baker College will monitor the Maximum Timeframe requirement at the end of each quarter by comparing the required hours for program completion to the cumulative hours attempted. Students will be considered in violation when it becomes mathematically impossible for them to graduate within the 150% timeframe.

Definitions: * TIME FRAME: Published program hours multiplied by 150%. * CUMULATIVE HOURS ATTEMPTED: Cumulative hours attempted at Baker College, plus transfer hours, minus up to 45 developmental hours (if any), minus adjusted hours for successfully completed classes toward the most recent prior program but not applicable to the current program (if any).

PAGE 7

PLEASE NOTE

* Withdrawal grades and repeat classes are counted as hours attempted. * Incomplete/Progress grades are not counted until they are converted to an actual grade. * Only transfer credits from another institution, which apply toward the student's current program, are applied to the Pace and Maximum Timeframe requirements. * Classes that do not meet the mimimum grade criteria are not considered successfully completed for purposes of the Maximum Timeframe calculation. * Academic Amnesty does not eliminate classes from being included in the calculation.

REINSTATEMENT OF ELIGIBILITY

Students may reinstate their eligibility using one of the following options: * Students in violation of the GPA or Pace requirements may re-establish good standing by completing the number of hours required or raising their cumulative GPA to a 2.0 without the assistance of federal or state aid. Once completed, it is the student's responsibility to contact the Financial Aid Office regarding reinstatement of their financial aid. * By submitting an appeal, with proper documentation based on special circumstances, to the Financial Aid Office at Baker College for consideration of reinstatement. Examples of special circumstances include: illness, unexpected hardships, death in the immediate family, etc. * Note: Beginning on July 1, 2011, students will only be allowed to submit two SAP appeals for consideration of reinstatement of financial aid. Only appeals reviewed by the committee (approved or denied) are counted in this limit. Students must wait four years after the second appeal is submitted before they can submit a third appeal for consideration.

APPEAL PROCESS

The SAP Appeal Form must be completed (WITH PROPER DOCUMENTATION) and submitted to the Financial Aid Office no later than the following dates: Summer 2015 - June 12, 2015 Fall 2015 - September 11, 2015 Winter 2016 - December 29, 2015 Spring 2016 - March 18, 2016

** Registered students, who are not notified of the violation prior to the deadlines listed above, must submit their appeal within 7 days from the date they are notified by the Financial Aid Office.

An appeal committee will review appeals to determine appropriate action. Actions could consist of: * A returned appeal for additional documentation * An accepted appeal * A denied appeal

All accepted appeals will include an academic plan which must be followed by the student in order to re-establish financial aid eligibility. Students are required to meet with the appropriate academic personnel to register for classes while they are on this plan.

ACADEMIC CONSIDERATIONS

The Financial Aid Satisfactory Academic Progress Rules measure students' eligibility for financial aid and are separate from the academic policies, which students must maintain for continued enrollment. * ACADEMIC APPEALS: The academic appeals are completed separately from the financial aid appeals and students may be required to complete both. * ACADEMIC AMNESTY: The Fresh Start Program will not supersede the Baker College Financial Aid Satisfactory Academic Progress Rules.

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