Financial Aid Information

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The responsibility for paying for your education rests with you and your family. This can be accomplished by saving for education, being awarded financial aid and participating in paid student employment opportunities. Finally, but certainly not last or least, we pray that you will trust the Lord to provide for your educational expenses.

It is the desire of the Financial Aid Office that students do not leave Emmaus Bible College with an indebtedness that prevents them from fulfilling the call of God to a ministry that may not provide a large salary.

Free Application for Federal Student Aid

FastWEB (Financial Aid Search Through the WEB) is the largest and most complete scholarship search on the Internet. It provides access to a searchable database of more than 400,000 private sector scholarships, fellowships, grants, and student loans available to students.

How to Apply for Financial Aid

1. Fill out a Free Application for Federal Student Aid (FAFSA). Request that the results be sent to Emmaus Bible College.  See FAFSA link above. (Our Title IV School Code is 016487) 

2. Make sure the Admissions Department  has received your application for admission and your high school and college transcripts.

TITLE IV SCHOOL CODE:  016487

Our Financial Aid Program

Emmaus Bible College is able to offer a variety of financial aid through Federal Student Aid programs, Institutional Aid programs, and private sources.

Currently, Emmaus participates in three federally funded financial aid programs: Federal Pell Grants, Federal Supplemental Education Opportunity Grants, and Federal Stafford Loans. These programs are designed to provide financial assistance to students with financial need based on their resources. All applicants must be U.S. citizens or eligible non-citizens, high school graduates (or equivalent), making satisfactory academic progress, and not be in default on any loan or owe a refund on any grant made under Title IV of the Higher Education Act of 1965. To apply for these, the student must fill out the Free Application for Federal Student Aid (FAFSA), which is available at your local library or high school or through the Financial Aid Office at Emmaus.

In an effort to further assist students, Emmaus has a limited supply of grants, scholarships, and awards that may be available to eligible full-time students. Requirements and applications vary depending upon individual scholarship.

Emmaus is also approved by the Iowa Department of Public Instruction for benefits under Title 38, Chapter 36 U.S. Code. Students enrolling at Emmaus who are eligible to take advantage of these veteran's educational benefits should consult with the Registrar to obtain the necessary forms.

Students are also encouraged to seek information on private financial aid that may be available from local, state, or national service clubs or organizations. This information can be found in a number of places including your local library.

Emmaus Bible College believes that the primary responsibility for educational costs rests with the student and parents. The financial aid program at Emmaus is designed to enable students to attend Emmaus by helping to complement their families' resources. Your financial aid package, based on the information provided by the family on the FAFSA, will be developed based on your eligibility and the funds available to award.

Who is Eligible

Generally, financial aid packages are determined on the basis of need. The standardized need analysis that Emmaus uses is the FAFSA which is produced by the U.S. Department of Education. Emmaus calculates need in accordance with the Department of Education guidelines using the following formula:

Cost of Education (Includes fees, books, travel) - Family Contribution (Determined by the Department of Education) = Financial Need (Synonymous with a student's eligibility)

Once a student's need has been determined, a financial aid package will be assembled taking into account the student's preferences. Typically, students will receive notification of their financial assistance by means of an award letter.

Federal Financial Aid Criteria

F E D E R A L A I D	Source	Eligibility	Amount	Deadline
	Federal Pell Grant	High need on FAFSA	Varies	Varies
	Federal Supplemental Educational Opportunity (FSEOG)	High need on FAFSA	Varies	Varies
	Subsidized Federal Stafford Loans	Students demonstrating need according to FAFSA	Up to $3500 as freshman; $4500 as sophomore; $5500 as junior or senior	Varies
	Unsubsidized Federal Stafford Loans	Students who do not demonstrate need according to FAFSA	Same as above	Varies

Emmaus Scholarships and Criteria

All Emmaus Bible College Scholarship funds are available through the kindness and generosity of donors.  Funding levels can thus vary.  Some scholarships may not have sufficient funds to award any given year.  These scholarships are only available to assist students attending Emmaus Bible College.

Most Emmaus scholarships are competitive.  A Financial Aid Committee reviews applications and awards funds based on the scholarship criteria and the merits of the applicant.

You do not have to wait to be admitted to Emmaus in order to apply for scholarships.  You can apply for any Emmaus scholarships you are eligible to apply for while you are in the process of obtaining admission to the college.

Please periodically check our web site for scholarship additions, deletions and news

At this time, we are only accepting applications for the three 2009-2010 scholarships highlighted in orange below:

Christian Leadership Scholarship	The Christian Leadership Scholarship is designed to assist students who attend a Plymouth Brethren Assembly and who meet the following criteria:  1. Demonstrated academic excellence; 2. Demonstrated Christian leadership; 3. First year student at Emmaus; 4. Have a nomination reference form submitted by an Elder from his/her own assembly.  Click here to download the CLS Reference Form (required).	Varies; up to 50% tuition
International Student Scholarship	The International Student Scholarship is awarded to students who are not US or Canadian citizens, and who meet the following criteria:  1. Shows academic promise; 2. Desires to be in a Christian ministry; 3. Will be returning to their home country after college; 4. Will publicly encourage missions to the Emmaus student body.  This scholarship is designed to assist International students who demonstrate financial need.	Varies; up to 50% tuition
Student of Color Scholarship	This scholarship is awarded to students of color who demonstrate financial need and who show a desire to grow in Christ while attending Emmaus.	Varies; up to 50% tuition

Achievement Scholarships
Achievement Scholarships are awarded to incoming, returning, and transfer students who excel in their academic work. Refer to the following table for amounts and eligibility:

  Required Applications and Forms:

Achievement scholarships will be automatically awarded based on transcripts and test scores (if applicable).

Other Scholarships

Canadian Exchange Grant	The Canadian Exchange Grant is automatically awarded (no application process is required) to students who are residents of Canada as a means to balance their conversion of Canadian funds to U.S. funds.  Please refer to the linked document for further information.	Varies
Camp Matching Scholarship	For students whose camp contributes toward the student’s tuition and fees.  Emmaus matches $1 for every $2 given with a maximum match of $250 per academic year.  Funds are limited.  No application is required.	up to $250
Chapel Matching Scholarship	For students whose chapel or church contributes toward the student’s tuition and fees.  Emmaus matches $1 for every $2 given with a maximum match of $250 per academic year.  Funds are limited.  No application is required.	up to $250

Due to the current difficult economic climate, it appears likely that Emmaus will not be able to offer many of the privately funded scholarships offered in the past (as listed on the chart below).  Please check back periodically to see if these circumstances have changed.

Privately Funded Scholarships

Ed and Jackie Bateman Scholarship	The Ed and Jackie Bateman Scholarship is awarded to needy students (college level sophomore, junior or senior) who are enrolled in the Bible Exposition and Theology Program.	$600
James L. Catron Scholarship	This scholarship is awarded to upper-class students (college-level junior or senior) with outstanding achievement in English Bible studies.	$500
Christian Workers Fellowship Scholarship	This scholarship is awarded students who are children of full-time commended workers serving abroad.	$1000
William and Catherine Gardiner Memorial Scholarship	This scholarship is usually awarded to a student who held a job during the first semester.  Additionally, preference will be given based on the following criteria: • Students whose permanent residence is one of the six New England states (i.e. ME, VT, NH, CT, RI, MA, plus New York) • Students who demonstrate financial need based on the FAFSA Financial Aid Form • Students who maintain satisfactory academic progress (i.e. a minimum of 2.00 cumulative G.P.A.)	$500 - $1500
T.B. Gilbert Music Scholarship	This scholarship is awarded the student(s) who shows genuine interest in music at Emmaus by taking two or more courses per year (choir is included as one of these courses).  The student(s) must demonstrate promise and progress in their musical ability.	$100 - $500
Gavin and Margaret Hamilton Memorial Scholarship	This scholarship is awarded to students whose parents are missionaries or to students from overseas who are planning to return to their own countries to serve the Lord.	Varies
John and Hazel Hawkins Scholarship	This scholarship is awarded in the Spring semester to students who have a financial need and who show outstanding Christian character in all areas of their life.  The Financial Aid Committee will assess the criteria as it evaluates the scholarship applications.	$300
The Hosea 10:12 Scholarship	This scholarship is awarded to married couples with children, who are both enrolled as students at Emmaus, with priority to Full Time Students.	Varies
Liz James Scholarship	This scholarship is awarded to an upper-class student(s) who has a strong commitment to evangelistic work among children or to missions.  Foreign students may apply if they have a specific interest or plan to work among unreached peoples.	Varies
Frank and Emily Shaw Scholarship	This scholarship is awarded to students whose residency is one of the New England states and who has a financial need as demonstrated on the FAFSA Financial Aid Form.	Varies
D.K. Suh Scholarship	This scholarship is awarded to upper-class students who desire a career in Full-Time Christian Work following graduation from Emmaus Bible College.	$1000
Texas Ministry Scholarship	This scholarship is awarded to one student whose residence is in the state of Texas and who plans to return there after finishing their course of study at Emmaus.	$200
Atlantic Canada Award	The Atlantic Canada Award is given to students who are from Prince Edward Island, Nova Scotia, New Brunswick and Newfoundland.	Varies
Canadian Full-Time Workers Award	Canadian Full-Time Workers Awards are given to students whose parents are full-time commended workers either from or residing in Canada.	Varies

The Cost of Attending Emmaus
In addition to the published costs for tuition, fees, room and board that will be billed to the student, there are additional expenses associated with attending college, such as transportation, books and miscellaneous expenses.  Please follow the link below which provides estimates of what those expenses might be.  Please note that it is only an estimate and expenses will vary.

Estimated Cost for Attending Emmaus 2008-2009

Financial Aid Refund Policy

When a student is dismissed or withdraws from Emmaus Bible College during a semester, he or she may be entitled to a refund of charges. If the student has received any federal student aid during that semester all or a portion of that refund must be returned to the federal student aid programs. Students who receive no federal student aid are subject to the school's refund policy as described in the catalog.

Students who receive federal student aid and who withdraw on or before the 60% point of the enrollment period (i.e. the semester) are subject to the statutory pro-rata refund formula. The statutory pro-rata rules require the school to refund institutional charges (tuition, fees, room, board, etc.) proportional to the portion of the enrollment period that remains, rounded down to the nearest 10%.

Federal Refund Formula

Institutional Charges x % of time computed = refund amount to be distributed

Regardless of the policy used, the refund that results must be distributed in the following order as applicable:

1. Unsubsidized Federal Stafford Loan

2. Subsidized Federal Stafford Loan

3. Federal PLUS Loan

4. Federal Pell Grant

5. FSEOG

6. Other federal, state, private, or institutional aid

7. The student

For information regarding the Iowa Tuition Grant Refund Policy, click here.

Verification

Some Student Aid Reports are selected for verification. This is simply a process where information contained on the Student Aid Report, as reported by the student, is checked for accuracy. If your Student Aid Report is selected, we will notify you of the procedures to follow and a complete Verification Policy will be sent to you. The verification policy is available upon request from the Financial Aid Office.

Professional Judgment

If you and your family have unusual circumstances, such as tuition expenses at an elementary or secondary school, unusual medical or dental expenses not covered by insurance, a family member who recently became unemployed, or changes in income or assets that may affect your eligibility for financial aid, please contact the Financial Aid Office for more information.

Satisfactory Academic Progress Policy

Click here to view our Satisfactory Academic Progress Policy.

TITLE IV SCHOOL CODE:  016487

For More Information

If you would like to receive more information or applications, or if you have any questions concerning financial aid, please contact the Financial Aid Office of Emmaus:

Emmaus Bible College
Financial Aid Office
2570 Asbury Road
Dubuque, IA 52001
financialaid@emmaus.edu
1-800-397-2425 x1309; 1-563-588-8000 x1309
Office: 8:00 a.m. - 4:30 p.m. (central) M-F

Emmaus Bible College does not discriminate on the basis of sex, race, color, national or ethnic origin in its educational and admission policies.