https://inside.sou.edu/enrollment/financial-aid/index.html

Kristen Gast, Director

541-552-6600

541-552-6614  fax

1250 Siskiyou Boulevard - Enrollment Service Center in Britt Hall

Ashland, OR 97520

finaid@sou.edu

Financial aid in the form of scholarships, grants, loans, and employment is available to eligible students who need assistance to attend school. The Financial Aid Office  provides counseling and information services to students and parents and administers a comprehensive program of financial assistance. Office hours are 9:00 a.m.–5:00 p.m., Monday - Thursday  and Friday 10:00 am - 5:00 pm. The SOU Financial Aid Office is located in the Enrollment Service Center (ESC) in Britt Hall. Hours may change based on the ESC Office schedule.

Federal and state regulations are subject to change and may affect current policies, procedures, and programs.

Estimated Student Expenses

The following information is provided to help students estimate the total cost of attending Southern Oregon University.

Budgets established for financial aid purposes are based on average expenses. Some students have higher costs in a few categories. For example, students in the Theater Arts program have additional expenses for equipment, course fees, books, etc. For more accurate cost information, students should contact their department.. Students living alone in an apartment or in university housing may spend more than the budgeted amount for meals and housing, based on personal choice. Budgets will not be adjusted for off-campus housing.

Residence hall room and board rates for 2018-19 can range depending on residence hall choice and meal choice. More specific housing costs can be found on their website.

Although the university does not require proof of health insurance for domestic students, the provisions of the Affordable Care Act may apply. For more information about health services and coverage, please visit the Student Health and Wellness Center.

Personal expenses are governed by individual preference but may include such items as transportation, health care, and entertainment.

The figures in the following table are the 2018-19  tuition and fees for an undergraduate student enrolled in 15 credits and a graduate student enrolled in 9 credits. Tuition schedules are subject to revision. See the Tuition and Fees section of this catalog.

Tuition and Fees

Student Classification

One Term

Three Terms

Undergraduate resident

$3,218

$9,654

Undergraduate nonresident

$8,528

$25,584

Undergraduate WUE

$4,508

$13,524

Graduate tuition varies by program. A base tuition would be as follows:

   

Graduate resident

$4,508

$13,524

Graduate nonresident

$5,480

$16,440

     

The Financial Aid Office used the expenses in the following tables to estimate a student’s educational costs for the 2018-19  academic year.

Meals and Housing

 

One Term

Three Terms

Student commuter living with parents

$1,225

$3,675

Student living off campus

$3,298

$9,894

Student living on campus

$4,733

$14,199

     

A dependent child-care allowance may be added to the budget for each child less than 12 years of age who is living with a student and for whom the student is paying child-care expenses.

Books and Supplies

 

One Term

Three Terms

Graduates and undergraduates

$333

$999

Transportation

 

One Term

Three Terms

Graduates and Undergraduates

$333

$999

Miscellaneous Personal Expenses

 

One Term

Three Terms

Graduates and Undergraduates

$566

$1,698

Applying for Financial Aid

Undergraduate and graduate students use the following procedure to apply for financial aid:

  1. Complete the Free Application for Federal Student Aid (FAFSA) online. The official website is www.fafsa.ed.gov
  2. List Southern Oregon University (using code number 003219) on the FAFSA application as a school to receive the application information
  3. Apply for admission to Southern Oregon University

Deadlines

To be given priority consideration for the Federal Supplemental Educational Opportunity Grant, Federal Work-Study Program, the Affordability Grant, and the Supplemental Grant,  a valid FAFSA must be on file. While SOU does not have a priority deadline, we do award funds on a first come, first serve basis until the funds have been allocated. Students interested in receiving those funds should submit a FAFSA as close to October 1st as possible for consideration.  

Eligibility

Financial aid eligibility for any student is determined by the difference between the estimated cost of education and the expected family contribution (as determined by the FAFSA) from the student’s family, the student and parents if the student is a dependent, or the student and spouse if the student is married. Students (and their families if appropriate) are expected to bear the primary responsibility for meeting educational costs. When a student’s expected family contribution is less than the cost of education, the university attempts to meet the difference with need-based financial aid.

Assessing Financial Aid Eligibility

The university uses a method prescribed by law to determine an expected contribution from the student and family toward the cost of the student’s education. The expected family contribution, derived from using the federal formula, is based on income and asset information as well as certain variables such as family size and number of family members attending college. This system ensures that students receive consistent and equitable treatment. Financial aid counselors review unique circumstances on a case-by-case basis, at the request of the student.

Satisfactory Academic Progress

To be eligible for financial aid, students must make satisfactory academic progress toward their degrees and maintain a minimum cumulative grade point average (GPA) and pace. Progress is reviewed annually at the end of spring term.

The minimum cumulative GPA needed to meet satisfactory academic progress is 2.00 for an undergraduate and 3.00 for a graduate student. For more information on how SAP is calculated including how incompletes, or withdrawals  may affect your SAP status, please visit the Financial Aid SAP policy. If a student’s cumulative GPA drops below the required minimum at the time of the evaluation, eligibility for financial aid will be suspended unless the student appeals and is approved for reinstatement by the SAP committee. Students may also reestablish eligibility for the subsequent term after raising their GPA to the minimum requirement and completing 100% of their attempted credits. Visit the financial aid website for information on the appeals process.

Progress toward a degree is a further requirement, determined by dividing the number of credits attempted by the number of credits earned. Students are expected to earn credit for at least 67 percent of the credits attempted on an aggregate basis. Credit is earned for grades A, B, C, D, and P. Credit is not earned for grades of F, W, I, E, M, and NC.

Students must also complete their degrees within a maximum time frame. A student must graduate before accumulating 150 percent of the attempted credits required for completing his or her major. Most majors at SOU require 180 credits; 270 would be 150 percent of that. If a student is unable to fulfill the requirements for his or her degree before reaching this maximum time frame, financial aid will be suspended. Visit the website for information on the appeals process.

Financial Aid Packages

Students will receive notification of their awards after their financial aid eligibility has been established. The Financial Aid Office attempts to award financial aid to students up to their estimated cost of education, which could include scholarship and grant money, work-study, and loan eligibility.

A student may not receive assistance from any financial aid (Title IV) program if

  1. The student is in default on any educational (Title IV) loan
  2. The student has borrowed in excess of federal (Title IV) loan limits
  3. The student owes a refund on federal or state grants or a Federal Perkins Loan due to an overpayment
  4. The student has been convicted of violating certain federal or state drug possession or sale laws within a certain time period

A parent may not borrow from the Federal Direct Parent Loan for Undergraduate Students (Parent PLUS) if the parent or student is in default on any educational loan or owes a refund on an educational grant as described above.

Federal law requires, in most cases, that male students born after 1960 be registered with Selective Service to receive financial aid.

There may be other conditions when a student would be ineligible for financial aid—for example, when a student is not maintaining satisfactory academic progress or when not enrolled in an eligible program.

Undergraduates

Federal Pell Grants, Oregon Opportunity Grants, and university scholarships are considered to be part of the student’s financial aid package, even though the Financial Aid Office may not determine eligibility for these programs.

The office determines the student’s eligibility for and the amount of assistance from the Federal Supplemental Educational Opportunity Grant, the Federal Work-Study Program, the Affordability Grant, and the SOU Supplemental Grant.

Financial aid offers are made in accordance with federal and state regulations, as well as university policies. Some awards are tentative if selected for verification and may be revised after verification has been completed.

Graduate Students

The Office of Student Financial Aid and Scholarships determines eligibility and the amount of assistance that may be received from the Federal Direct Unsubsidized Loan and Federal Direct Graduate PLUS Loan. Offers are made in accordance with federal regulations and university policies.

Refunds and Repayment

Students who withdraw from school may be required to repay a portion of their financial aid. According to a formula prescribed by state and federal regulations, any refundable amount used to pay tuition and fees or for university housing is returned to the appropriate financial aid sources. Students may also be required to pay the unearned portion of assistance that was directly disbursed to them.

Additional information concerning the institution's refund policy may be found Enrollment Services websites.

Additional information concerning return of financial aid and unofficial withdrawals  may be found on the Financial Aid Office website.

Notification of Financial Aid

Beginning in January, financial aid award letter notifications are sent via email to students who have supplied the necessary information to the Financial Aid Office and the Office of Admissions. Award letter notifications are then mailed on a continuing basis to those entering students who supply the necessary information to the offices as our office receives FAFSA applications.

When aid is accepted, the student (and spouse if married) and the student’s parents (if applicable) may be asked to provide documents, such as federal income tax return transcripts, to verify the information on the application. SOU uses an electronic document process for students to upload verification requirements.

Students should read the financial aid award notification and instructions carefully. Financial Aid Award packages are subject to change.

A financial aid package may be revised when a student’s eligibility changes. The student receives a revised notification and, if necessary, is advised of any repayment of aid. The federal regulations covering financial aid programs, the explanation of the federal method of determining student and family contributions, and the university policies and procedures for offering financial aid are available Financial Aid Office website. Students are welcome to review them during office hours or on the financial aid website.

Financial Aid Programs

To be eligible for certain financial aid programs that depend on federal or state funding, the student must be a citizen of the United States or in the United States for other than a temporary purpose and with the intention of becoming a permanent resident. Students who are citizens of the Freely Associated States (the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau) may be eligible for certain types of federal (Title IV) aid.

Financial aid is typically disbursed to students near the beginning of a term based on their enrollment at that time. However, financial aid is actually earned over the course of a term. Therefore, if a student completes a term at a different enrollment status than he or she began the term, some or all of the student's financial aid may need to be returned.

Federal Pell Grant

This program provides grants (funds that do not require repayment) to eligible undergraduates who do not have a bachelor’s degree.

To be eligible for a Federal Pell Grant, a student must be admitted to the university in a program leading to a degree and enrolled in good standing.

The grant is reduced proportionately if the student is enrolled less than full time (12 credits a term).

The Federal Pell Grant program determines eligibility based on the student’s and parents’ income and assets, or the student’s and spouse’s if applicable. The university disburses the money.

Federal Supplemental Educational Opportunity Grant (FSEOG)

Federal supplemental grants, which do not need to be repaid, are for undergraduates with exceptional need. To be eligible, a student must be admitted to the university in a program leading to a degree, be Pell Grant eligible, and enrolled in good standing. The amount a student receives is determined by university policy and fund availability.

Funds are granted to the university by the federal government to award to eligible students.

Iraq and Afghanistan Service Grants

The Iraq and Afghanistan Service Grant is a federal grant that, although it does not need to be repaid, has special eligibility criteria. This grant is for undergraduates who

  • are not eligible for the Federal Pell Grant on the basis of their expected family contribution but meet the remaining Federal Pell Grant eligibility requirements
  • have a parent or guardian who was a member of the US armed forces and died as a result of military service performed in Iraq or Afghanistan after the events of September 11, 2001
  • were under 24 years old or enrolled in college at least part-time at the time of their parent's or guardian's death

State of Oregon Opportunity Grants

Oregon Opportunity Grants are awarded to eligible undergraduate Oregon residents who complete the FAFSA or the Oregon Student Aid Application (ORSAA).

A grant may be renewed for a total of 12 terms if the student applies each year, demonstrates financial need, is enrolled at least half time (6 credits a term) in a program leading to a degree, and has not completed a bachelor’s degree. In addition, the State of Oregon Office of Student Access and Completion (OSAC) requires that a student receive the Oregon Opportunity Grant during the fall term in order to have any eligibility for the remainder of the year.

OSAC determines eligibility and notifies the university. The funds are provided by the state and disbursed by the university.

Teacher Education Assistance for College and Higher Education Grant (TEACH)

The TEACH program provides up to $4,000 a year to students enrolled in an eligible education program and who agree to teach in a high-need field at a low-income school for at least four years within eight years of completing the program for which the grant was awarded. If these requirements are not met, the grant converts to a loan, interest is assessed retroactively, and the loan must be repaid.

SOU Grants

Southern Oregon University awards institutional funds to eligible students on a first-come, first-served basis. Students interested in receiving these funds just need to file a FAFSA as close to October 1 as possible. These funds include:

  • SOU Affordability Grant:
    • Requires full-time enrollment
    • Must be Pell Grant eligible
    • Must be maintaining SAP
  • SOU Supplemental Grant:
    • Requires full-time enrollment
    • Awarded up to $8000 EFC
    • Must be maintaining SAP

SOU may have additional institutional funds that are awarded on a first-come, first-served basis. These funds can vary year to year.

Federal Work-Study Program

The Federal Work-Study Program provides part-time jobs for students that are Pell Grant eligible and who are in good academic standing in an eligible program leading to a degree.

The amount a student may earn is determined by university policy and fund availability. Students earn an hourly wage based on the type of work, their skills, and their experience. Students may work a maximum of 25 hours a week while school is in session.

University departments and offices, as well as approved off-campus nonprofit agencies that perform services in the public interest, list available jobs with the Career Connections Office, located in Hannon Library, and on their website. Funds are used to pay a portion of student wages; the employer pays the remainder.

Federal Perkins Loan

The Federal Perkins Loan Program provides long-term, low-interest loans to eligible students who are admitted to an eligible program leading to a degree or certificate and have good academic standing.

The Federal Perkins Loan Program ended September 30, 2017. No additional Perkins loans will be available after that time.

The federal maximums that may be borrowed are $5,500 a year for undergraduates, up to a total of $27,500; $60,000 is the combined maximum for undergraduate and graduate study. The amount a student receives is determined by university policy and fund availability.

Repayment of a Federal Perkins Loan begins nine months after the student ceases to be enrolled at least half time. The minimum repayment is $40 a month or $120 a quarter. However, the actual amount of payments and the length of the repayment period depend on the size of the debt. Interest is charged during the repayment period at the rate of 5 percent a year on the unpaid balance. The university contracts with ECSI Corporation, a third party that will contact borrowers regarding repayment. The maximum repayment period is 10 years.

Repayment of a Federal Perkins Loan that is not delinquent or in default may be deferred if a borrower is enrolled at least half time in an eligible institution.

A borrower of a Federal Perkins Loan may be eligible for other deferments for periods up to three years. For information about deferments, write or call the Business Service Office, 1250 Siskiyou Boulevard, Ashland, Oregon 97520; call 541-5526562.

Repayment of a Federal Perkins Loan is canceled upon the death or permanent total disability of the borrower. In addition, repayment of the loan may be canceled, in full or in part, for public service.

Information about cancellation provisions can be requested from the Business Service Office. Additional information regarding the Perkins Loan can be found at https://studentaid.ed.gov.

Federal bankruptcy law generally prohibits student-loan borrowers from the routine discharge of their debts by declaring bankruptcy within seven years after the repayment period begins.

Money available for Federal Perkins Loans is collected from payments made by former university borrowers to lend to eligible students.

William D. Ford Federal Direct Student Loan Program

Federal Direct Subsidized Loan

Students must demonstrate need to qualify for a Federal Direct Subsidized Loan. The university determines the amount the student may borrow within federal limits: $3,500 for the first academic year of undergraduate study (up to 44 credits); $4,500 for the second academic year (45–89 credits); and $5,500 an academic year for the remaining years of undergraduate study. Not all students are eligible for the maximums. The Federal Direct Subsidized Loan is for undergraduate students with financial need. The US Department of Education pays the interest (subsidizes) on a Direct Subsidized Loan while the student is enrolled, during a student's grace period, and during a period of deferment.

Student borrowers must be enrolled in good academic standing at least half time and have been accepted for admission to an eligible program leading to a degree or certificate. Once repayment begins, borrowers are charged a fixed interest rate that is set every July 1. The interest rate for the 2018-19 academic year is 5.05 percent with an origination fee of 1.062 percent.

If a student is a first-time borrower on or after July 1, 2013, there is a limit on the maximum period of time (measured in academic years) that he or she may receive Direct Subsidized Loans. This time limit does not apply to Direct Unsubsidized Loans or Direct Parent PLUS Loans. If this limit applies to a given student, the student may not receive Direct Subsidized Loans for more than 150 percent of the published length of the program (called the “maximum eligibility period"). The maximum eligibility period is typically based on the published length of the student's current program. For example, if a student is enrolled in a four-year bachelor’s degree program, the maximum period for which the student may receive Direct Subsidized Loans is six years (150 percent of four years = six years).

If a student receives a Direct Subsidized Loan that is first disbursed between July 1, 2012, and July 1, 2014, he or she will be responsible for paying any interest that accrues during the grace period. If the student chooses not to pay the interest that accrues during the grace period, the interest will be added to his or her principal balance.

Federal Direct Unsubsidized Loan

Direct Unsubsidized Loans are available to students who do not qualify, in whole or in part, for the Direct Subsidized Loan. The university determines the amount the student may borrow within federal limits: $5,500 for the first academic year of undergraduate study (up to 44 credits); $6,500 for the second academic year (45–89 credits); and $7,500 per year for the remaining years of undergraduate study. Not all students are eligible for the maximums.

Direct Unsubsidized Loans are available to undergraduate and graduate students. There is no requirement to demonstrate financial need. The student is responsible for paying the interest on a Direct Unsubsidized Loan during all periods. If the student chooses not to pay the interest while in school and during grace periods and deferment or forbearance periods, the interest will accrue (accumulate) and be capitalized (that is, your interest will be added to the principal amount of your loan).

A student’s financial need and dependency status determines the amount of the loan offered. Independent students, as defined by answers on the FAFSA, may borrow up to an additional $4,000 in their freshman and sophomore years and up to an additional $5,000 in their junior and senior years.

The interest rate on undergraduate loans for the 2018-19 academic year is 5.05 percent with an origination fee of 1.062 percent. Interest that accrues during in-school, grace, and authorized deferment periods will be added to the principal when repayment begins. The interest rate for the Direct Unsubsidized Loan is fixed every July 1.

Graduate and law students may borrow up to $20,500 a year depending on their financial need. Interest on this loan for graduate and law students for 2018-19  is 6.60 percent with an origination fee of 1.062 percent.

Additional Federal Direct Unsubsidized Loan

Dependent undergraduate students whose parents are denied access to the Federal Direct Parent Loan for Undergraduate Students (Parent PLUS) program may be eligible for additional Direct Unsubsidized Loan funds. Students with fewer than 90 credits may borrow a maximum of $4,000 a year in additional funds above the maximum Federal Direct Loan limits. Students who have earned 90 credits or more may borrow a maximum of an additional $5,000 a year. Not all applicants qualify for the maximums. The Federal Direct Unsubsidized Loan may be used to replace expected family contribution, but total direct loan (subsidized and unsubsidized) borrowing cannot exceed the cost of education.

Generally, the cumulative amount a student can borrow from all Federal Direct Loans is as follows:

  • $31,000 (only $23,000 may be subsidized) as a dependent undergraduate
  • $57,500 as an independent undergraduate (only $23,000 of this amount may be subsidized)
  • $138,500 as a graduate or professional student

Federal Direct Parent Loan for Undergraduate Students (Parent PLUS)

This program provides loans to parents of dependent undergraduate students. Parents may borrow up to an annual amount that is equal to the cost of education minus any estimated financial assistance the student receives during the periods of enrollment. The borrower may use the amount of the Federal Direct PLUS to replace the expected family contribution for the loan period.

The Federal Direct PLUS is limited to parents who do not have an adverse credit history or who have obtained an endorser who does not have an adverse credit history. A direct loan program servicer, contracted by the federal government, performs the required credit check. The interest on the Federal Direct PLUS is fixed every July 1. The interest rate for 2018-19 is 7.6 percent with an origination fee of 4.248 percent.

Parents interested in participating in the Federal Direct PLUS program may request the loan by visiting the US Department of Education website.

Federal PLUS Loan for Graduate and Professional Students (Graduate PLUS)

This program is offered to qualified students with or without financial need, but the student must have financial aid eligibility. Like other direct loans for students, the US Department of Education is the direct lender of the Graduate PLUS. Typically, repayment must begin within 60 days after the Graduate PLUS is disbursed. However, students who meet the requirements may obtain an in-school deferment from the US Department of Education. There is no grace period for this loan. Interest begins to accrue at the time the first disbursement is made at a fixed rate set every July 1. The interest rate for 2018-19  is 7.6 percent with an origination fee of 4.248 percent.

Repayment

Payment of all Direct Loans are handled through an assigned direct loan servicer. To locate the appropriate direct loan servicer, the student may sign in to the National Student Loan Data System.

Repayment of Federal Direct Loans (subsidized and unsubsidized) begins six months after termination of at least half-time enrollment. Repayment of Federal PLUS loans typically begins within 60 days of the last disbursement of the loan. A deferment may be requested after loan approval. Borrowers have the right to prepay their loans without penalty. Furthermore, they may choose from the following repayment plans:

  • A standard repayment plan with a fixed payment amount (at least $50 a month) over a fixed period of time, not to exceed 10 years
  • An extended repayment plan with a fixed or graduated annual repayment of at least $50 a month over a period of up to 25 years, depending on the total amount owed
  • A graduated repayment schedule in which payments are lower at first and then increase, usually every two years, over a period of as much as 10 years
  • An income-contingent repayment plan with varying annual repayment amounts based on the total amount owed and the annual income of the borrower (and that of the borrower’s spouse, if a joint return is filed) paid over a period not to exceed 25 years (Parent PLUS Loans are not eligible for this plan)
  • An income-based repayment plan designed to make repaying federal loans easier for students who intend to pursue jobs with lower salaries such as careers in public service. Monthly payments are capped at a percentage of the borrower’s discretionary income, which is based on family size and income rather than total amount borrowed. Payments change as the borrower’s income changes and made over a period of up to 25 years
  • The Pay As You Earn Plan is designed for new borrowers (since 2008) with at least a partial financial hardship. Payment amounts change as the borrower’s income changes, with a repayment period of up to 20 years (Parent PLUS Loans are not eligible for this plan, unless it is part of a Direct Consolidation Loan). There is also a new Revised Pay As You Earn Plan with similar conditions but no requirement to be a new borrower
  • An income-sensitive repayment plan in which monthly payments are based on annual income over a period of as much as 15 years

If the borrower does not select one of these five plans, the Department of Education assigns the standard repayment plan. Visit studentaid.ed.gov for details on all repayment plans.

The borrower’s repayment liability is discharged if the borrower becomes permanently and totally disabled or dies or if the student for whom a parent has borrowed dies. Federal Direct Student Loans are generally not dischargeable in bankruptcy.

Deferring Repayment

Repayment of a Federal Direct Student Loan that is not in default may be deferred for

  • at least half-time enrollment in an eligible program at an eligible school
  • an approved graduate fellowship program or rehabilitation training program for disabled individuals (except medical internship or residency program)
  • unemployment (up to three years)
  • economic hardship (up to three years)

During periods of approved deferment, a Federal Direct Subsidized Loan borrower does not need to make payments of principal, and the interest is paid by the federal government. For the Federal Direct Unsubsidized or PLUS borrower, principal repayment may be deferred, but interest continues to accrue and is capitalized or paid by the borrower during that time.

Forbearance

A direct loan borrower or endorser may receive forbearance from the federal government if the borrower or endorser is willing but unable to make scheduled loan payments. Forbearance is the temporary cessation of payments, an extension of time for making payments, or the temporary acceptance of smaller payments than previously scheduled. Forbearance may be granted for up to 12 months for reasons such as financial hardship, illness, or while serving in a medical or dental internship or residency program.

Deferments and forbearance are handled by the assigned direct loan servicer. To locate the appropriate direct loan servicer, the student may sign in to the National Student Loan Data System at https://www.nslds.ed.gov/nslds/.

Public Service Loan Forgiveness

The Public Service Loan Forgiveness Program forgives the remaining balance on your direct loans after you have made 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualified employer. More information about the program may be found on the US Department of Education website.

Federal Direct Consolidation Loan

Loan consolidation is a way of lowering monthly payments by combining several federal loans into one loan at the time of repayment. Borrowers may consolidate any amount of eligible loans including those borrowed under the Federal Family Education Loan program, the Federal Perkins Loan program, and the Direct Loan Program. The interest rate is fixed at the time of consolidation based on the weighted average of the loans being consolidated. Repayment of Consolidation loans may extend to 30 years depending on the repayment plan selected and the amount borrowed. The result of a longer repayment term, however, is an increase in the total cost of the loan.

Entrance and Exit Counseling

First-time Direct Subsidized, Unsubsidized, and Graduate PLUS Loan borrowers must participate in entrance counseling before a loan disbursement can be made.

Shortly before graduating from or terminating enrollment at Southern Oregon University, borrowers must also participate in exit loan counseling.

Both entrance and exit counseling sessions are completed on the federal student loan website.

Alternative Loans

Privately funded loans are not based on need and no federal formula is applied to determine eligibility. However, the amount borrowed cannot exceed the cost of education minus other financial aid. Interest rates and repayment terms vary, but are generally less favorable than those provided through the federal direct lending program. Private loans are used to supplement the federal programs when the cost of education minus federal aid still leaves unmet need. Information is available in the Financial Aid Office or on its website under Alternative Student Loans.

Debt Management and Default Reduction

Southern Oregon University  is committed to helping students achieve sound financial planning and debt management. Information about loans, repayment options, and debt management strategies is available in the Financial Aid Office  and on its website.

Scholarships

Scholarships Awarded by a Department or School

Undergraduate and graduate students who have selected a major field of study should consult the appropriate school or department about possible scholarships and application procedures and requirements.

Many departments offer assistantships and fellowships—which include an instructional fee waiver and a stipend—to outstanding graduate students.

National ROTC Scholarships

The Army Reserve Officers Training Corps (ROTC) Scholarship Program sponsors two-, three-, and four-year scholarships. These scholarships include full tuition and fees, an annual book allowance of $1,200, and a monthly stipend of $300 for a freshman, $350 for a sophomore, $450 for a junior, and $500 for a senior. An additional housing subsidy for a portion of the cost is provided to qualifying students. For more information, visit their website. High school students also can contact their school’s counselor.

National and Community Service Trust Act

This legislation created Americorps, which gives citizens the opportunity to perform community service in the United States and, for that service, receive an education award. This award can be used to pay for postsecondary education or to repay qualified student loans. Information about Americorps is available online.

Southern Oregon University Scholarship Awards

Freshman Scholarships

Raider Scholar*§ – $4,500/yr

Raider Scholar recipients average the following:

A minimum 3.85 GPA

A minimum 1400 SAT score, or an average composite ACT score of 27

Eligibility is based on a sliding scale. Limited funds are awarded on a first-come, first-served basis to students who have submitted the enrollment deposit.

Available to Oregon residents

Laurels Scholarship* – $2,700/yr

Laurels recipients average the following:

A minimum 3.65 GPA

A minimum 1230 SAT score, or an average composite ACT score of 27

Eligibility is based on a sliding scale.

Available to Oregon residents

Churchill Scholarship* – $2,400/yr

Churchill recipients average the following:

A minimum 3.45 GPA

A minimum 1180 SAT score, or an average composite ACT score of 26

Eligibility is based on a sliding scale.

Available to Oregon residents

Siskiyou Scholarship* – $2,100/yr

Siskiyou recipients average the following:

A minimum 3.25 GPA

A minimum 1010 SAT score, or an average composite ACT score of 21

Eligibility is based on a sliding scale.

Available to Oregon residents

Diversity Scholarship – Up to $5,000/yr

Awarded to students whose ethnic and cultural backgrounds and/or experiences contribute to the University’s diversity.

Applicants must complete the SOSA.

Available to Oregon & Out-of-State residents

Departmental Scholarships

Several departments operate their own scholarship programs. To learn more about these opportunities, visit their Academic Program sections and contact the departments directly.

Available to Oregon & Out-of-State residents

Southern Online Scholarship Application (SOSA)

The SOSA is a general scholarship application for over 80 scholarships. Available to all incoming and current SOU students. Must be admitted to SOU to apply.

Deadline – March 15th

Available to Oregon & Out-of-State residents

Western Undergraduate Exchange (WUE)†† – Up to $11,000/yr

In addition to scholarship opportunities, incoming transfer students are also eligible for the Western Undergraduate Exchange (WUE) tuition rate!

For residents of WUE states

Available to Out-of-State residents

Transfer Scholarships

Laurels Transfer Scholarship* – $2,700/yr

Laurels recipients average the following:

A minimum 3.85 GPA

Eligibility is based on a sliding scale.

Available to Oregon residents

Churchill Transfer Scholarship* – $2,400/yr

Churchill recipients average the following:

A minimum 3.6 GPA

Eligibility is based on a sliding scale.

Available to Oregon residents

Siskiyou Transfer Scholarship* – $2,100/yr

Siskiyou recipients average the following:

A minimum 3.2 GPA

Eligibility is based on a sliding scale.

Available to Oregon residents

Diversity Scholarship – Up to $5,000/yr

Awarded to students whose ethnic and cultural backgrounds and/or experiences contribute to the University’s diversity.

Applicants must complete the SOSA.

Available to Oregon & Out-of-State residents

Departmental Scholarships

Several departments operate their own scholarship programs. To learn more about these opportunities, visit their Academic Program sections and contact the departments directly.

Available to Oregon & Out-of-State residents

Southern Online Scholarship Application (SOSA)

The SOSA is a general scholarship application for over 80 scholarships. Available to all incoming and current SOU students. Must be admitted to SOU to apply.

Deadline – March 15th

Available to Oregon & Out-of-State residents

Western Undergraduate Exchange (WUE)†† – Up to $11,000/yr

In addition to scholarship opportunities, incoming transfer students are also eligible for the Western Undergraduate Exchange (WUE) tuition rate.

For residents of WUE states

Available to Out-of-State residents

* Admitted students are automatically considered upon admission to SOU. Scholarship is renewable if recipient maintains a SOU GPA as follows: Raider Scholar – 3.5, Laurels – 3.25, Churchill – 3.0, and Siskiyou – 2.5.

  • § Limited funds awarded on a first-come, first-served basis to those who submit the enrollment deposit. Students accepted to the Honors College will not receive the Raider Scholar award, but will earn an Honors College scholarship package.

†† Automatically awarded upon admission.