Basis for Student Financial Aid
The primary responsibility for paying for a college education belongs to students and to the families of dependent students. However, Concordia realizes that most students and families are not able to pay the full cost of attending private universities such as Concordia. The CU financial aid programs help or assist to make up that difference between what families should reasonably be expected to provide and the total cost of attending Concordia. Each year, Concordia provides aid to over 90% of eligible students.
Eligibility for Aid
Students who are admitted to a degree or education licensure program at Concordia are eligible to apply for financial aid. Many of the financial aid programs at Concordia are restricted to those students who have demonstrated financial need to attend college. All need-based aid programs are restricted to students who are citizens or eligible non-citizens of the United States, certain residents of the Pacific Islands, permanent residents of the United States, or students in the United States for other than a temporary purpose with the intention of becoming permanent residents. All eligible non-citizens of the United States must provide appropriate documentation from the Office of U.S. Citizenship and Immigration Services before receiving aid.
How to Apply for Financial Aid
Concordia requires that all students applying for financial aid file a Free Application for Federal Student Aid (FAFSA) each year. The FAFSA is available online. Concordia University’s Title IV school code is 003191. The URL for the online FAFSA application is www.fafsa.ed.gov.
Once the FAFSA is filed, a Student Aid Report (SAR) is produced. The SAR reports the amount that the student and family are expected to contribute toward educational expenses. This calculated contribution is subtracted from the Cost of Attendance budget established by Concordia to determine demonstrated financial need. In many cases, a financial aid package will offer financial assistance to meet 100% of demonstrated financial need.
Primary Types of Financial Aid
Concordia’s financial aid package combines three basic types of aid: grants and scholarships, student loans, and college work/study opportunities. Most often, over half of demonstrated financial need is provided through grants and scholarships (gift aid which need not be repaid); the remaining eligibility is available through a combination of student loans and college work/study opportunities.
Certain scholarships, awards, and talent grants may be awarded on criteria other than demonstrated financial need (e.g., specific program enrollment, academic achievement). These scholarships, awards, and grants will be calculated and included with need-based grants in determining the total financial aid package. Generally, scholarships, awards, and talent grants increase gift aid and decrease student loan eligibility.
Grant and Scholarship Programs
College Funding Sources1
- Lutheran High School Graduate Award
- Lutheran Pastor Family Award
- Sylwester LCMS Church Work Family Award
- Transfer Awards
- Concordia Student Grant
- FAFSA Filer Award
- Endowment Grants
- LCMS Professional Church Work Grants
- Academic Merit Scholarships
- Athletic Scholarships
- Honors Scholarship
- Concordia University Nursing Scholarship
- Instrumental Scholarships
- Leadership Scholarships
- Phi Theta Kappa Scholarships
- PGE Scholarships
- Vocal Scholarships
College Funding Sources are not available to students enrolled in the Master’s programs or BS programs in Health Care Administration, Long Term Care Administration or Social Work.
Government Funding Sources2
- Oregon Opportunity Grant
- PELL Grant
- SEOG Grant
- TEACH Grant
Generally, the Government Funding Sources listed above are for eligible students in undergraduate programs. The TEACH Grant may be available for qualified students in the M.Ed. program, but not other graduate programs.
Student Loan Programs
- William D. Ford Federal Direct Loan Program
- Stafford Loans
- Parent PLUS Loans
- Graduate PLUS Loans
- Private Alternative Loans
Student employment opportunities include on-campus jobs funded by the Federal Title IV College Work/Study program and on-campus jobs funded from college sources. Additionally, there is some assistance for students in finding some off-campus jobs from local employers or individuals.
Additional scholarships can be researched at:
Other Types of Financial Assistance
Local Organizations, Businesses, and Clubs
Many local organizations, companies, and clubs offer programs to provide assistance to college students. All students are urged to seek information about such assistance from their advisor, financial aid officers, employers, and other personal or professional relations.
Congregations and the Lutheran Church
Many congregations and most districts of the Lutheran Church—Missouri Synod offer special grant programs to students preparing for professional church work careers. All church work students are urged to contact their pastors and their local LCMS district financial aid officers regarding availability of these programs.
Veteran Education Benefits
Academic programs offered at Concordia are approved by the Oregon State Approving Agency. Veterans and other persons eligible for educational benefits may complete the education benefit application on the VA’s website www.gibill.va.gov. Students will receive confirmation (Certificate of Eligibility or CoE) from the VA regarding eligibility for education benefits. It is the student’s responsibility to send a copy of the CoE to Concordia University’s School Certifying Official in the Finance Office before benefits can be processed. Please note: a copy of the qualifying veteran’s DD-214 is also required for those no longer on active duty or for those students receiving Dependent Education Assistance (Chapter 35) benefits. You must also submit all college transcripts for evaluation. Any veteran receiving GI Bill benefits while attending Concordia University is required to obtain transcripts from all previously attended schools and submit them to the school for review of prior credit. More information is available on http://www.cu-portland.edu/student-affairs/finance-office/veterans-benefits.