Side-by-Side. Step-by-Step. planning for College With your Child. •

Parent Vieww w w . o c . e d u

CASE STUDIES& FAMILY FEATURESsee how oc became the perfect fit for families

OC SCHOLARSHIPS/GRANTS

ADMISSION PROCESS GUIDE

WEBSITES WITH ANSWERS

STUDENT LIFE AT OC

Accounting AdvertisingArtBibleBiblical LanguagesBiochemistry BiologyBroadcast ManagementBroadcast Journalism Business ChemistryChild Development Church HistoryCommunication Studies Pre-LawComputer ScienceCreative MediaDrama MinistryEarly Childhood EducationEducation Elementary English Math Music Physical Religious Science Secondary Social Studies

Electronic MediaEngineering Computer Electrical MechanicalEnglish Education Pre-Law Teaching English as a Foreign Language Writing Family Studies FinanceForensic ScienceGaming & AnimationGraphic Design (Communication Design)History Pre-LawIllustrationInformation SystemsInterior DesignInteractive MediaInterdisciplinary StudiesInternational BusinessInternational StudiesJournalismLanguagesManagement

MarketingMass CommunicationMaster of Arts in MinistryMaster of Business

AdministrationMaster of DivinityMaster of Science in

EngineeringMathematicsMedical Technology Military ScienceMinistryMissionsMusic Instrumental VocalNew Media Nursing Organizational CommunicationPerformance Arts Management PhotographyPhysical EducationPhysical SciencePolitical SciencePreaching MinistryPre-ChiropracticPre-Clinical DieteticsPre-DentalPre-Dental Hygiene

Pre-Law Communication Studies English HistoryPre-MedicalPre-Occupational TherapyPre-OptometryPre-PharmacyPre-Physical TherapyPre-Physician AssistantPre-Radiological SciencePre-VeterinaryPsychologyPublic RelationsSocial ScienceSpanishSport, Wellness and Recreation

ManagementTheater PerformanceVideographyVocational MinistryWritingYouth Ministry

MAjORS & AREAS OF STUDY

FAST FACTS

Founded in 1950 by members of the churches of Christ Located in Oklahoma City, the state capital of Oklahoma, the university borders the city of Edmond. Students enjoy the academic, cultural and recreational benefits of a big city in a safe and comfortable suburban atmosphere.

Campus of 200-plus acres includes new science facilities, revamped University Center and recently-built and renovated student housing (including Honors House, a residence hall dedicated to students participating in OC’s Honors Program) More than 2,250 undergraduate (50% male, 50% female) and graduate students from 46 states and 33 countries

13-to-1 student-to-faculty ratio Member of the Council for Christian Colleges and Universities Accredited by the Higher Learning Commission of the North Central Association of Colleges and Schools, with discipline-specific accreditation for business, education, engineering, interior design, music, and nursing

More than 50 student organizations More than 1,000 students participate in more than 30 service and ministry opportunities, including outreach to communities in the United States and around the world (just some of the countries served include Argentina, Australia, Austria, China, Ghana, Honduras, Japan, Mexico, New Zealand, the Philippines, and Rwanda)

www.oc.edu/connect

Follow uS online14 SCHolARSHiPS, GRAnTS & DiSCounTS A sample of the financial aid available through OC.

18 FeDeRAl loAnS & FinAnCiAl AiD Get your student’s piece of the government pie.

26 GloSSARy A quick primer on financial aid terms.

29 CAlenDAR Important dates to keep in mind.

PARenT View 2011

© Oklahoma Christian University 2011Oklahoma Christian University admits students of any race, national and ethnic origin to all rights, privileges, programs and activities generally accorded or made available to students at the school. It does not discriminate on the basis of race, color, handicap, national and ethnic origin in administration of its educational policies, admissions policies, scholarships and loan programs, and athletic and other school administered programs.

12 THE ADMISSION & FINANCIAL AID PROCESS Step-by-step guides for enrollment and financial assistance.

On The Cover: Marilyn (Hinds) LaRue, David Hinds, Emily Hinds, Michael Hinds

6 FAMILY TREE Three brothers from the Pacific Northwest have combined to send 10 children to OC.

8 SKYE HIGH Single mom finds OC’s education and environment

worth the sacrifice.

22 CAse studies Scholarship and grants can add up in your favor -

see how it can be done.

PARenT View STAFF

PReSiDenT: Dr. Mike E. O’Neal (68)

ViCe PReSiDenT FoR enRollmenT mAnAGemenT: Risa Forrester (96)

DiReCToR oF STuDenT FinAnCiAl SeRViCeS: Clint LaRue (97)

eDiToR: Wes McKinzie (98)

wRiTeRS/ConTRiBuToRS: Dr. Allison Garrett (84), Dawn Shelton (90), Josh Watson, Ann White (04)

DeSiGneRS: Judson Copeland (02), Jonathan Curtis (03), Rachel O’Donnell (02)

PHoToGRAPHeRS:Steven Christy (01), Judson Copeland (02)

Parent View Alumni Magazine of Oklahoma Christian University

(USPS 405-420) Volume 6, No. 1, 2011

POSTMASTER: Send address changes to Parent ViewBox 11000, Oklahoma City, OK 73136-1100

parentto

parent

I know what you’re going through right now.

When our oldest son started college a couple

of years ago, there were so many things to

consider. I wondered … Will he be a name or

a number? What are the professors like? Are

there plenty of internships nearby? What are

the dorms like? Is the university far enough

away that I won’t have to do his laundry?

But sending your child to college is primarily

about making sure your teen gets a great

education that will be a solid foundation for life.

Sure, at Oklahoma Christian University, we

have classes that are much smaller than at

State U. We’re located in a major metropolitan

area, where there are a lot of terrific internship

opportunities with top companies.

The professors at OC care tremendously about

your sons and daughters; they will welcome

them into their homes, see them at church and

greet them by name around campus.

But, on top of all of this, OC’s academic

program is extremely strong. Our professors

are experts in their fields; they write articles

and books, and speak at conferences around

the world. This expertise has a huge impact on

our students.

OC was recently named a “Best in the

West College” by The Princeton Review, and

was ranked 44th among master’s degree

universities in the West by U.S. News and

World Report. The History and Political Science

department has had the nation’s top chapter

of Phi Alpha Theta (that’s the national history

honor fraternity) among schools of our size for

the past 15 years.

The Princeton Review has named our Gaming

and Animation program as one of the top

50 programs in the nation. One of our Art

and Design graduates was the chief designer

of visual and special effects for the 2008

Summer Olympics.

Our recent Biology graduates have a 95%

acceptance rate to medical schools across the

nation, and new to OC is a Forensic Science

major in the Department of Chemistry and

Physics. OC has brand-new and recently-

renovated lab and classroom facilities for our

science programs.

Recently, two of our Language and Literature

students were selected out of thousands of

entries to have their work published in the

English honor society journal, the Sigma Tau

Delta Review.

Our Accounting Club won first place in a

prestigious Oklahoma CPA competition for the

third time in four years. And OC’s American

Marketing Association chapter was recognized

for Excellence in Community Service at the

International Collegiate Conference.

Our School of Engineering continues to attract

top students from around the world. The new

master’s degree program in Engineering is

experiencing strong growth.

We continue to have tremendous success

placing our graduates in some of the best

graduate programs in the U.S. and abroad. We

are also extremely proud that we are able to

send many of our graduates into the mission

field each year.

So if you’re looking for a school where your

son or daughter isn’t just a number, where

the professors set a strong Christian example,

and where the academics are first rate, take a

close look at OC.

Sincerely,

Dr. Allison D. Garrett

Senior Vice President for Academic Affairs

P A R E N T V I E W 2 0 1 12

Thank you for taking the time to read through the 2011-2012 edition of Parent View. This issue of Parent View features information about OC

scholarships, federal and state financial aid, helpful hints when completing the FAFSA, sample financial aid packages, and much more!

Oklahoma Christian continues to invest millions of dollars in scholarships and grants. Every student who applies to OC has the opportunity to receive

financial aid. OC is committed to awarding need-based grants, so students from lower- to middle-income families receive more financial aid today than

ever before.

Attending college requires a financial commitment from the student, the family, the government, and the school. We believe you’ll find an extraordinary

commitment from Oklahoma Christian to make a high-quality Christian education affordable for your son or daughter.

If you have any questions, please do not hesitate to contact me or your personal financial aid counselor at 800.877.5010.

Letter from the Student Financial Services Director

Sincerely,

Clint LaRueDirector of Student Financial Services

3W W W . O C . E D U

Lane, Lavon, Heather, Carl and Lauren Wheeler.P A R E N T V I E W 2 0 1 04 5W W W . O C . E D U

Lauren Wheeler still gets a personalized tour when she walks around

campus with her parents, OC grads Heather and Carl Wheeler.

“Well, Mom always takes a few minutes to point out the first place she

saw Dad, where they first talked, first kissed, and where he proposed.

The proposal story is definitely my favorite,” said Lauren, a junior biology

major from Topeka, Kansas.

Indeed, that proposal story is legendary to alumni, circa 1984. It was

during Homecoming, and Heather was starring as Laurie in the musical

“Oklahoma.” Carl took a line from Curly, pulled Heather outside the

Hardeman stage before the curtain opened, and popped the question.

Heather’s real-life answer, of course, was less reluctant than Laurie’s

“Why would I wanna marry you?”

Heather said “yes” and the rest is OC history still in the making. Lauren

and her sister LaVon are current OC students; their brother Lane, a high

school junior, will attend Oklahoma Christian after he graduates.

“If I had 1,000 re-dos of where to go to college, I’d choose OC every time.

I love it here,” Lauren said. “OC has a very high acceptance rate into

med school, an excellent music program, and I love being on a Christian

campus. It’s close to home and feels like a second home since my family

has gone through here.”

Heather, a music teacher, and Carl, an attorney, have been very

intentional about exposing their kids (and all of the other kids they know)

to Oklahoma Christian through summer camps, visits and hosting OC

groups at their home congregation.

“I didn’t grow up in a Christian household so I didn’t have that Christian

family to rely on other than at church. Then, when I came to OC, and all

of a sudden I had two or three thousand Christian folks that became my

family,” said Carl, who specializes in child support enforcement for Young

Williams Support Services. “Some of my closest friends that I met and

made here at OC, I’m still very close with and still feel like family, and

their kids feel like family.”

Heather has encouraged her children to get involved and make friends

because that’s what she did.

“I’ve finally realized how wise my parents really are,” said Lavon, a biology

major with a music minor, and a member of OC’s Honors Program. “They

have always encouraged me to do my homework first, but to also go

have fun with people in all my free time. Your college friends will be some

of your best friends for the rest of your life.”

That’s true for Heather and Laura Earp, who met their first week on

campus about 30 years ago. They ended up becoming roommates, being

unofficially adopted as another daughter in each other’s families, and

were in each other’s weddings when Heather married Carl and Laura

married Philip Autrey.

They have stayed in touch, and they visit each other’s homes in Topeka

and in Arlington, Texas, where Laura and Philip live with their three kids,

including Victoria, a current OC student.

Heather was there for Laura when she was diagnosed with cancer two

years ago. As Laura battled the aggressive cancer that had advanced to

her bones, Heather sprang into action to tend to Laura’s spirit. She set

up a Facebook page for updates and prayer requests.

“She can get action out of people, big time,” said Laura, who said she is

very grateful for Heather’s energy and for the power of prayer. Heather

also gave Laura a gift. After asking Laura’s friends for their favorite

scriptures, Heather painstakingly highlighted them in a Bible she gave her.

“She did this for me. And every time I open that Bible, I see something

new and who sent it to me. It is the most precious gift,” Laura said.

Laura recently received good news about her health. Her tumor markers

are lower than they’ve been, and although she remains on chemo, she is

very optimistic and grateful.

“So many people prayed for me. That’s what did it,” she said. “That’s why

I’m here today.”

That’s what friends are for.

By Dawn Shelton

wheelers saY ‘Yes’ to oKlahoma christianCARl AnD HeATHeR’S CHilDRen Follow in THeiR FooTSTePS

P A R E N T V I E W 2 0 1 04 5W W W . O C . E D U

Marilyn (Hinds) LaRue, David Hinds, Emily Hinds, Michael HindsP A R E N T V I E W 2 0 1 06 7W W W . O C . E D U

If every first-time college parent could sit at the feet of Paul

and Julie Hinds of Portland, Oregon, they’d get a calming

perspective in the midst of the frantic season of applications,

scholarships amounts, interest rates, deadlines, campus visits

and separation anxiety.

With six daughters, they’ve been there, done that … and have

drawers full of OC t-shirts to prove it. Youngest daughter Emily

will graduate with an OC nursing degree in 2012. That year will

mark the 20th anniversary of sending their first daughter to

college.

The Hinds are just one family in OC’s Pacific Northwest

pipeline. Among the hundreds of students who have come

inland to Oklahoma City, four families by the last name of

Hinds (including three brothers – Paul, Tom and James) have

combined to send 10 children to OC. Fourth brother, John,

actually started the trend when he came to OC himself in 1995.

Granted, the Hinds have written many checks for tuition,

room and board to Oklahoma Christian, but Paul sees it as an

investment that has eternal dividends.

“OC has a unique sense of family and personal engagement

between faculty and students to help guide one’s sense of

mission in life. The OC culture is attractive to us, and our kids

have benefitted greatly,” Paul said from his office at Hinds

Instruments, a company that manufactures a broad range

of instrumentation for evaluating polarization and light. (The

company has hired several OC engineering graduates).

Paul said their girls were able to cover, on average, about

35 percent of their college education with summer jobs,

scholarships and savings. Paul and Julie, through a mix of

college loans and their own funds, helped with the rest.

“We told each daughter, ‘You do everything you possibly can,

mom and dad will do the same, and the Lord will work it all

out.’ And He did,” Paul said.

Still, in swapping notes with other parents who have sent

children to state schools or other private schools, Paul said

he doesn’t feel they’ve paid a premium at OC. He said that

is especially true when considering the quality of education

received by his daughters, a brother, nieces and nephews, and

OC grads hired by their second-generation business.

Paul offers tips for

going through the

process of choosing

college and weighing the investment of a Christian education.

He encourages parents to pray unceasingly … and to pick up

a new book by OC alumnus Brian Simmons, “Wandering in the

Wilderness.” It discusses the faith journeys of young people

from the time they leave high school through their 20s.

“Reading through the book helped me appreciate in a new

way this stage of life and how OC’s administration, faculty and

environment help support our young people during this critical

period in their lives,” Paul said.

The Hinds family takes a long view of legacy – not just

from one generation to the next, but for the children of their

children’s children. It is a legacy of faith: how to faithfully live,

how to defend the faith and how to advance the Kingdom.

Paul and his wife, Julie, took a holistic approach to discipling

their children, with Christian higher education being a major

tenet of their plan.

It will be their grandchildren’s turn before too long. With eight

grandkids so far, Paul and Julie want to help send them (and

their grandchildren’s grandchildren) to college, hopefully to OC.

“It is not about us and what we can do. It’s about helping the

next generation and seeing them use their talents in their

careers, homes, communities and the church,” Paul said. “The

Lord has blessed us, and whether he chooses to bless us or

refine us, may he find us faithful.”

By Dawn Shelton

“we TolD THem, ‘you Do eVeRyTHinG you PoSSiBly CAn, mom AnD DAD will Do THe SAme, AnD THe loRD will woRk iT All ouT.’ AnD He DiD.”

P A R E N T V I E W 2 0 1 06 7W W W . O C . E D U

Cree Hammond was a single mom. Her

daughter, Skye, wasn’t even thinking about

Oklahoma Christian University as a potential

college choice.

Then Skye visited OC’s campus, met OC’s

people, and found out about OC’s academic

programs and campus life.

The rest is history … in the making.

Skye is a senior public relations major at

Oklahoma Christian. She is really involved on

campus and captains the cheer squad.

“She loved how the OC community treated her,”

Cree said. “The faculty and staff struck me as

people who already cared about my daughter.

She loved how it was an intimate campus

where she could be a name, not just a number.”

The numbers didn’t necessarily add up when

Skye first made her decision to attend OC. But

a cost-benefit analysis convinced Cree that this

was the place for her daughter.

“I let her come here despite the expense,”

Cree said. “Although the cost of a school is

important, the fact that my child gets to be in

a safe environment with good Christian people,

that she’s able to openly and freely praise God

every day, that is worth the sacrifice for me.

“Education is very important to our family. I

looked at OC’s curriculum. I saw how students

do as a whole – getting into grad schools and

being successful. That was a big factor for me.

I was impressed.”

OC made such an impact on Cree that she

jumped at an opportunity to work at the

university. She started in the Student Life Office

as a volunteer director. Then, after passing

the bar exam, she became an attorney in the

Advancement Office.

Though her job helped with Skye’s tuition costs,

there have been more financial obstacles.

But Cree and her family (Skye has a younger

brother, William, and Cree recently remarried to

Derick Gathright) are committed to OC … just

as the OC family is committed to them.

“I feel like we’re making a difference here at OC.

The love of the OC community – the faculty,

staff and students – adds years to your life.

It just fills my spirit,” Cree said. “To know that

my daughter is at this place, as a mother, I’m

overjoyed.”

By Wes McKinzie

P A R E N T V I E W 2 0 1 08 9W W W . O C . E D U

Beverly Floyd is a schoolteacher. Keith Floyd is

a self-employed electrician whose business has

suffered due to changing technologies.

They’re in important professions. They’re doing

things they love. But they don’t make the kind

of money that makes having three college

students easy (if there is such a thing).

The Floyds have three kids at Oklahoma

Christian. Tyler, a freshman this year, made

the short trek from Mesquite, Texas (a Dallas

suburb) to join older sisters Lindsey and Kalee.

“This is the only school they’ve ever wanted to

go to,” Keith said. “It’s a great school. It’s worth

it to find a way for them to come here. It really

is.”

Lindsey and Kalee became familiar with

Oklahoma Christian when the student

performing groups New Reign and Summer

Singers came to their summer camp.

Lindsey visited campus after that … and

instantly felt connected.

“I loved it here,” Lindsey said. “The faculty

and students were outgoing and friendly, even

to people they didn’t know. It was a pleasant

atmosphere. Everyone was happy and nice.”

The warm feelings continued after Lindsey

became a student. A lot of people she knew

from Texas also chose OC. After beginning

undeclared, she became a psychology major

and also got involved with the OC Chorale and

Chamber Singers.

Thanks to her musical ability and ACT score,

Lindsey earned several scholarships that offset

a good portion of her tuition costs. And even

though Kalee qualified for similar scholarships,

the Floyds weren’t sure they could afford to

send her the next year.

But they took a leap of faith … and it paid off

when Kalee made New Reign.

“I was really surprised when I made New Reign,

and when I found out how much the scholarship

was, I nearly cried. It was such a relief to know

that more of my tuition would be covered,”

Kalee said. “I truly feel like I am in the group for

a reason, because I prayed so much that God

would help me find a way to pay for my college.

I thank God that He has blessed me to be able

to do this, and that I can spread the word about

Him in the process.”

OC’s focus on God in the classroom and

throughout the campus appealed to the Floyds.

Keith attended Oklahoma Christian in the early

80s while Beverly went to a state school and

never felt the connection to her professors that

Lindsey and Kalee do.

“Our kids went to a big high school where you

see and hear everything. I wanted them to be

in a Christian atmosphere so they wouldn’t have

to deal with all the stuff they dealt with in high

school,” Beverly said. “I love the size of the

campus, and I love that the instructors go to

the churches they attend. It’s a different world.”

And a world of opportunity. Lindsey now sings

with New Reign, too. Tyler was seventh in his

high school class, and had many scholarships

available to him as he began pursuing his

engineering degree at Oklahoma Christian.

It’s all added up to make quality Christian

education affordable for a family that wanted

their kids to pursue their dreams.

“We are really grateful for OC,” Keith said. “We

feel blessed.”

By Wes McKinzie

FA I T H R E WA R D E D

P A R E N T V I E W 2 0 1 08 9W W W . O C . E D U

By THe numBeRSGRAD/lAw/meD SCHoolSBaylor University

Boston College

Boston University

College of William and Mary

Colorado School of Mines

Colorado State University

Columbia University

Cornell University

Florida State University

Georgetown University

George Washington University

Georgia Institute of Technology

Harvard University

Kirksville College of Osteopathic Medicine

Louisiana State University

New York University

Ohio State University

Oklahoma Christian University

Oklahoma Medical Research Foundation

Oklahoma State University

Oregon State University

Pepperdine University

Purdue University

Southern Methodist University

Stanford University

Texas A&M University

Texas Tech University

University of Alabama

University of Arizona

University of Arkansas

University of Colorado

University of Georgia

University of Houston

University of Kansas

University of London

University of Massachusetts

University of Michigan

University of Mississippi

University of Missouri

University of New Mexico

University of Oklahoma

University of Southern California

University of Tennessee

University of Texas

University of Tulsa

University of Virginia

University of Wisconsin

Vanderbilt University

Washington University

West Virginia University

Wheaton College

emPloyeRSAcappella Ministries

American Fidelity Assurance

Apple

Associated Press

BancFirst

Bank of America

Beijing Summer Olympics

Boeing

Chesapeake Energy

Conoco Phillips

Dell

Deloitte & Touche

Devon Energy

Ernst & Young

FBI

Federal Aviation Administration

General Electric

Grant Thornton

Harper’s Bazaar

IBM

Integris Baptist Hospital

Lawson Software

Let’s Start Talking Ministries

MidFirst Bank

MTM Recognition

NASA

NBC

Northrop Grumman

Oklahoma Medical Research Foundation

Oklahoma Publishing Company

Sandridge Energy

Sonic Corporation

Southwest Airlines

Texas House of Representatives

Trammell Crow

United States Agency for International Development

White House

World Neighbors

World Vision

Many congregations and ministry organizations

throughout the United States and the world

Many broadcast, print and other media organizations

throughout the United States and the world

Many law firms, civic and executive offices

throughout the United States and the world

Many public and private schools throughout the

United States and the world

oc alumni go on to successful careers in all walks of life and earn acceptance into the best

graduate, law and med schools. here are some of the graduate schools our students attend,

along with some of the many workplaces where oc students and alumni are making an impact.

within reach

Highest state education certification

exam pass rate in Oklahoma.

ABET-accredited engineering programs:

One of only two members of the

111-school Council for Christian Colleges

and Universities with three ABET-

accredited programs.

Straight years National History Honor

Society has received a “Best Chapter”

award for all U.S. universities with 3,000

or fewer students.

Study abroad and off-campus learning

opportunities.

Of classes/course sections have fewer

than 30 students.

Graduate and law school placement rate

for OC language and literature graduates.

Job placement rate for OC

communication design (graphic design)

graduates.

Job placement rate for OC interior

design graduates.

Medical and graduate school placement

rates for OC biology graduates.

Of OC history and political science

graduates graduates who applied to

history or political science graduate

programs or to law school have been

accepted in the last five years.

Graduate school acceptance rate for

OC Honors Program graduates in 2010

and 2011.

2nd

3

15

20

88%

90%

90%

95%

95%

100%

100%

P A R E N T V I E W 2 0 1 010 11W W W . O C . E D U

withhiGhesthonors

One of Oklahoma Christian’s most beloved teachers is Dr. Scott

LaMascus. Dr. LaMascus, an OC graduate, served as a professor of

English and as chair of the Department of Language and Literature

before he became director of OC’s Honors Program.

The program is what the National Collegiate Honors Council calls the

“most robust” model for Honors programs – a coherent, four-year

experience built around integrated core courses designed exclusively for

Honors students and taught by exceptional teacher-scholars.

Through research and a high level of in-class participation, students are

encouraged to accept intellectual challenges in order to understand

and perform at the highest possible level; the program has a 100%

acceptance rate into graduate schools the past two years. New in

2011-12, the Honors House at Reba Davisson offers a residential option

for Honors students seeking to reach their academic potential. Tutorial,

meeting, café, and activity spaces are included.

“I know that academic achievers have the intellectual aptitude to

successfully navigate any number of universities in the nation,” Dr.

LaMascus said. “But we are seeking those on a quest to answer this

question: Where will I find a Christian community of higher learning

where I will best fit and, therefore, best flourish over four years to

achieve my God-given potential?”

During his tenure as chair, Dr. LaMascus helped bring national

prominence to the Department of Language & Literature. The

department established the Community Literacy service project and

expanded the OC Writing Center, and saw student literary papers and

journals win numerous national awards.

He also championed the establishment of the McBride Center for Faith

and Literature at Oklahoma Christian, which brings to campus high-

profile speakers such as Pulitzer Prize winner Dr. Marilynne Robinson

and former U.S. Poet Laureate Dr. Robert Pinsky.

“I know I’m supposed to talk about our outstanding classrooms,

innovative curriculum and nurturing community. But the real truth is

that giving our best to Christ in all things is one of the amazing things

about the atmosphere here,” Dr. LaMascus said. “We’re on a quest

for meaning. Study hard, ask good questions and work together with

friends and faculty. That’s my idea of a recipe for success.”

Named a “Best University - Master’s”

in the western region in U.S. News

and World Report’s “America’s Best

Colleges”

Designated by Princeton Review as a

Best Western College

Named to the President’s Higher Edu-

cation Community Service Honor Roll

Gaming design program selected

as one of the top undergraduate

programs by Princeton Review and

GamePro magazine

One of only two members of the

CCCU with ABET accreditation for

three engineering programs

nATionAl ReCoGniTion

Here are just some of the recent honors earned by OC and its students.

For a complete list (updated frequently!), go to www.oc.edu/accomplishments.

1 1W W W . O C . E D U 1 1P A R E N T V I E W 2 0 1 010 11W W W . O C . E D U

ensure your child completes the oc application for admission. All students must complete this application, submit their ACT and/or SAT

scores, and submit their most recent high school and/or college transcript(s) to be eligible for OC scholarships and grants.

complete the free application for federal student aid (fafsa) on the web at www.fafsa.gov. Be sure to include OC’s Title IV code (003165)

in the school section. A renewal application must be completed each year. The completion of this form is a requirement for federal assistance.

receive a award letter notification from oc within two weeks after your student has submitted an act/sat score and fafsa (if you

wish to receive federal assistance). Your student will receive (at the email address listed on the FAFSA or application for admission) an email

with a link to view his/her award letter. The award letter will show all of the financial aid your student is eligible to receive from Oklahoma

Christian and from the federal and/or state governments.

return additional documentation if necessary. After the financial aid award is sent to your student, additional documents may be necessary.

Your student will receive emails notifying him/her which documents we need. (For example, the government may require that we request a copy

of your tax forms). Most other types of documents we request can be completed on our website at www.oc.edu/forms.

complete the online payment plan form. After your student’s award letter is sent, he/she will be sent a missing document email notifying

him/her to complete the payment plan form. The online payment plan form can be accessed at www.oc.edu/forms.

The following is a step-by-step guide for completing the OC scholarship and financial aid process. Due to limited funding, it is best to complete this

process early. For more information, visit our website at www.oc.edu/financialprocess.

SCHolARSHiP & FinAnCiAl AiD PRoCeSS

start hereADmiSSion PRoCeSS

To determine admittance to Oklahoma Christian

University, the Admission Office must receive a

student’s application for admission, test scores,

current high school transcript and Character

Recommendation Form. Notification of your

child’s admission status will be mailed to your

child within two weeks of receipt of completed

information.

APPliCATion FoR ADmiSSion

PRe-ADmiSSion TeST (ACT oR SAT)

CuRRenT HiGH SCHool oR ColleGe TRAnSCRiPT

CHARACTeR ReCommenDATion FoRm

HouSinG RequeST FoRm

CAmPuS ViSiT

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The following are the items needed to complete OC’s admission process. Your child

should complete each step below, with the corresponding paperwork, as soon as

possible for priority consideration. Info and forms available at www.oc.edu/process.

Shortly after applying for admission, your

student will receive an email (to the address

they list on the application) with MyOC student

portal login instructions. Encourage your student

to pay special attention to this email! MyOC

allows students and parents to check missing

paperwork and reserve housing and orientation

spots. It’s also where you’ll receive your

scholarship and financial aid award letter.

P A R E N T V I E W 2 0 1 112

PERSONAL FINANCIALCOUNSELORS

youR ADVoCATeS AnD GuiDeS

You’ve been there for your children all of their lives. When it’s time for

them to leave the nest, they’ll put on a brave face, but it can be scary for

them. And even though you may put on a brave face, it can be scary for

you, too.

It helps to have someone you can count on … someone you can trust to

help your student navigate the waters.

That’s especially true in the financial services consultation. Those

unfamiliar with the financial aid process need a friend and guide to help

them, and that’s what OC provides.

“First-time students have different financial aid needs than those of

returning students,” said Clint LaRue, director of student financial services.

“Our counselors for incoming students are specially trained to handle

their unique needs and concerns.”

The ability of OC financial aid counselors to tailor their skills for different

types of students allows them to know students and families on a

personal level. Counselors know students by name and are able to give

more of their time to help understand each student’s unique situation.

Another distinct advantage of the OC Financial Services Office is that the

same counselor handles a particular student’s financial aid awards and

student account, and can work personally with students and parents if

there is a concern in any area.

The OC advantage is a personal touch. In a world where we’re lucky to

hear a human voice on the other end of the phone after jumping through

hoops of automated messages and menus, OC’s financial aid counselors

are accessible advocates who go the extra mile, looking for ways to help

students’ dreams become realities.

“We are able to work with families step by step through this process,

hopefully eliminating any extra concern as they enjoy what should be an

exciting time of life,” LaRue said.

www.oc.edu/financial

13W W W . O C . E D U

ACADemiC meRiT SCHolARSHiPSall academic awards are reviewed on an

annual basis for each incoming class.

modifications for future incoming classes will

not change your academic award.

presidential academic success

scholarship (PASS): This scholarship

is available to first-time freshmen with an

ACT score of 22 or above or an SAT score

of 1020 or above. A student may receive

this scholarship up to 10 semesters of

undergraduate enrollment and must maintain

a 2.8 cumulative GPA to keep the award.

This scholarship will be prorated for part-time

enrollment. Documentation of your ACT/SAT

scores is required. Refer to the following chart

to determine the amount of your Academic

Scholarship.

Please note: At this time, Oklahoma Christian does not incorporate the writing section of the SAT into the total SAT score. Therefore, only the combination of the verbal and math sections are used to determine the amount of the PASS award.

national merit finalist scholarship:

This scholarship is determined by the National

Merit Corporation and is awarded in the spring

of a student’s senior year. A student may

receive this award up to 10 semesters and

must maintain a 3.0 cumulative college GPA and

participate in OC’s Honor program to keep the

award.

Finalists receive full tuition, mandatory fees,

room and board (minus any other OC award).

• Thisawardisproratedforpart-timestudents.

• ScholarshiproomexpensesprovideforOC’s

basic housing unit. If a student chooses

to live in private room and/or a higher

priced dorm/apartment, the student will be

responsible for the difference in housing

prices.

• Boardexpensescoverthecostofafull

meal plan but do not cover add-on points. If

a student chooses to add additional points

beyond what may be covered on his/her

meal plan, the student will be responsible for

the incremental costs.

• Mandatoryfeesdonotincludeprivatemusic

lessons, nursing clinical fees, and fees

for special programs such as Pacific Rim,

European Studies, CCCU off-campus study,

and others that may be developed.

• ForNationalMeritFinalists,OCwillapply

$2,000 of the Oklahoma State Regents

Scholarship (discussed below) to help cover

the cost of full tuition, room and board. The

additional $2,000 will be applied to the

student’s account and can be used as a credit

or may help pay for books, costs for available

upgraded student housing options, etc.

oKlahoma state reGents scholarship:

This is awarded by the Oklahoma State

Regents and is worth up to $4,000 per year for

up to 8 semesters. Students from Oklahoma

must have a total ACT subscore of 134 or

above. National Merit Finalists who are not

residents of Oklahoma can also apply for this

scholarship. A student must maintain a 3.25

cumulative GPA. For more information, contact

the Oklahoma State Regents Office by phone at

(405) 225-9131 or (800) 858-1840. Additional

information can also be found online at www.

okhighered.org/academic-scholars.

TRAnSFeR ACADemiC meRiT SCHolARSHiPStransfer scholarship: This scholarship

is based on the cumulative GPA of all college

transfer work. The scholarship is good for up to

10 semesters. This scholarship will be prorated

for part-time enrollment. Students transferring

more than 15 credit hours and who have

attended another higher education institution

starting in the fall semester after their high

school senior year will be considered transfer

students for financial aid purposes. A student

should submit complete college transcript(s) to

OC for consideration. A student must maintain

a 2.5 cumulative GPA to keep this award. Refer

to the following chart to determine the amount

of the scholarship.

oTHeR oC SCHolARSHiPS/GRAnTS maximum oc scholarships and tuition

discounts may not exceed full tuition up to

18 hours. awards will be prorated for part-

time enrollment. excluding oc Grant and the

church match scholarship, students may

receive no more than one award from this

section.

art/desiGn scholarship: This scholarship

is for first-time OC students majoring in art,

design, or video gaming. It is worth $1,000 per

year for up to 10 semesters. A student must

maintain a cumulative GPA of 2.5. Students

must submit 5 works of art to be considered

for this scholarship. To apply, a student should

complete the OC application for admission and

contact the Department of Art and Design at

(405) 425-5556. Early applications will be

given priority.

biblical studies scholarship: Oklahoma

Christian University applicants interested in

ministry majors are encouraged to apply for

College of Biblical Studies endowed scholarship

awards. Award amounts vary and include half

and full tuition scholarships (when combined

with other OC scholarships) for qualified

applicants. Visit www.oc.edu/biblescholarships.

Select and complete the “New Student Bible

Scholarship Major Application” no later than

January 15, 2011. For more information, contact

act score sat score scholarship (yearly)

32-36 1400-1600 $10,000

28-31 1250-1390 $8,000

25-27 1130-1240 $6,000

22-24 1020-1120 $4,000

ScholarShipS,GrantS & DiScountSScholarShipS,GrantS & DiScountS

cumulative Gpa scholarship (yearly)

3.50-4.00 $5,500

3.00-3.49 $4,500

2.50-2.99 $3,500

P A R E N T V I E W 2 0 1 114

the Admission Office at info@oc.edu or Dr.

Richard Wright at richard.wright@oc.edu.

christian enGineerinG scholarship:

The Christian Engineering Scholarship (CES)

gives students a chance to earn a full-tuition

scholarship in their third and fourth years. For

more information, please visit www.oc.edu/

ces. To apply, complete the OC application

and contact the engineering department for

additional requirements. Priority deadline for this

scholarship is March 7.

church match scholarship: This

scholarship is for students who receive a

scholarship from a congregation of the churches

of Christ. OC will match dollar for dollar up to

$500 per student per academic year (August

through May). To apply for this scholarship,

the church must complete the Church Match

Application Form (www.oc.edu/forms) with the

signatures of two church officials.

music scholarship: This scholarship is for

first-time freshmen students who demonstrate

exceptional musical ability and accomplishment.

It is renewable for up to 10 semesters.

Scholarship amounts will vary depending on

student’s ability and music department need.

A student must maintain a 2.5 cumulative GPA

and continue to participate in music. To apply, a

student should complete the OC application for

admission and contact the music department

at (405) 425-5530 for audition requirements.

Students should schedule an audition in the

fall semester or early in the spring semester.

Additional information concerning OC’s music

department is available at www.oc.edu/music.

international scholarship: This

scholarship is for students who are citizens

of foreign countries and ineligible for federal

aid or for one of OC’s academic scholarship

awards. It is worth $2,000 per year for up

to 10 semesters. A student must maintain a

2.0 cumulative GPA. To apply, complete OC’s

international student application for admission.

northwest endowment fund: After the

closing of Cascade College, OC’s branch

campus in Portland, Oregon, a scholarship

fund was created with the existing endowed

scholarship assets from Cascade College. These

endowed scholarship funds are now used as

specified by the donors to provide scholarships

for students from the region traditionally served

by Cascade College. Students wishing to attend

Oklahoma Christian from the Pacific Northwest

are welcome to apply for a scholarship from

the Northwest Endowment Fund. Scholarship

applications are available at www.oc.edu/nwef.

oc Grant: This grant is funded by the

university and is based on a family’s

demonstrated financial need. OC Grant will

combine with any other award(s). A student

must complete the Free Application for Federal

Student Aid (FAFSA) to be considered for this

award.

rotc room & board discount: This

scholarship is awarded to students who have

been chosen for ROTC Academic Scholarships.

It is valid for up to 10 semesters as long as the

student maintains the academic scholarship

requirements set by ROTC. A student must be

enrolled at Oklahoma Christian and register for

classes at other institutions through Oklahoma

Christian. To apply, complete the OC application

for admission with verification from ROTC of the

academic scholarship and amount. The value

of the Room and Board Scholarship will be

determined by calculating the ROTC Academic

Scholarships as a percentage of tuition.

Oklahoma Christian will match the standard

room and board rate. This will include all OC

monies including the Academic Scholarship.

Additional information about the Air Force ROTC

Program can be found online at www.ou.edu/

ROTC/air-force. Additional information about the

Army ROTC program can be found online at

busn.uco.edu/armyrotc.

theatre/drama scholarship: This

scholarship is for first-time OC students

demonstrating theatrical abilities. It is renewable

for up to 10 semesters. Scholarship amounts

will vary depending on student’s ability and

theatre department need. A student must

maintain a 2.5 cumulative GPA and continue to

participate in theatre. To apply, a student should

complete the OC application for admission and

contact the theatre department at (405) 425-

5556 for audition requirements.

universitY athletic scholarship :

This scholarship is for first-time OC students

desiring to play junior varsity sports. It is worth

$2,000 per year for up to 10 semesters. A

student must maintain a cumulative GPA of

2.5. To apply, a student should complete the

OC application for admission and contact the

athletic department at (405) 425-5350.

varsitY athletics: Oklahoma Christian

University is a member of the NAIA and offers

a wide variety of collegiate sports. For more

information, please contact the athletic office

(405) 425-5350.

oC DiSCounTSoc policies allow students to receive no

more than one discount.

children’s home discount: This $4,000/

year tuition discount is for first-time OC

students (age 23 or under) whose parents

work as house parents at a children’s home. To

qualify, the parents must be the legal guardians

of the applicant. The parents must also live full-

time at the children’s home, and they must have

placed children living in the home. This discount

is also intended for first-time students who

have lived in a children’s facility for the past

year with no parental support. This discount

may be used for up to 10 semesters. A student

must maintain a 2.0 cumulative GPA. To apply,

complete the OC application for admission and

provide verification of recent stay at a children’s

15W W W . O C . E D U

iS ouR FAmily inTeReSTeD in GRAnTS?

• Approximately30%ofOCstudentsqualify

for federal and/or state grants.

• Manystudentswhodonotqualifyforfederal

or state grants qualify for the OC Grant

(Oklahoma Christian’s need-based grant).

• CompletingtheFAFSAdoesn’tguarantee

your student will receive a need-based grant,

but you won’t know unless you apply.

iS ouR FAmily inTeReSTeD in loAnS?

• EVERYSTUDENTCANQUALIFYfora

FEDERAL STUDENT LOAN.

• Thebestkindsofstudentloanswiththe

lowest interest rates are only available to

students who complete the FAFSA.

• TheParentPLUSloanisonlyofferedto

parents whose dependent children complete

a FAFSA.

iS my STuDenT inTeReSTeD in woRkinG on CAmPuS?

• ThevastmajorityofOCstudentswho

complete a FAFSA qualify for work-study

jobs.

• On-campusemploymentisnotguaranteed,

but students who qualify for work study have

a much greater opportunity to find a job.

1

SHoulD my FAmily ComPleTe THeMYTH: My family should not complete the Free Application for Federal Student Aid (FAFSA) because my student will not qualify for any federal money.

REALITY:Every student is eligible to receive federal aid. Before making a decision about completing the FAFSA, ask yourself these questions:

Complete the FAFSA online at www.fafsa.ed.gov.

home or verification of parent’s full-time

employment as house parents.

children of minister’s discount: This

$4,000/year tuition discount is for first-time OC

students (age 23 or under) who are children of

full-time ministers, provided the minister meets

certain criteria. To qualify, the minister must

be a full-time (40 hours/week paid vocation)

Church of Christ pulpit and/or youth minister

and have served at least five years. Applicants

must submit the Children of Minister’s Discount

application form as well as a youth census list

(9th-12th grade) from your home congregation.

This discount may be used for up to 10

semesters providing the parent continues to

work as a full-time minister. Recipients must

maintain a 2.0 cumulative GPA. To apply,

complete the OC application for admission and

the Children of Minister’s Discount application.

christian academY/school discount:

This $4,000/year tuition discount is for first-

time OC students (age 23 or under) whose

parents work full-time at a K-12 Christian

academy or school. This discount may be used

for up to 10 semesters. Parents must continue

to work full-time at a Christian academy or

school, and the student must maintain a 2.0

cumulative GPA. To apply, a student should

complete the OC application for admission and

submit the Christian Academy/School Discount

application.

foreiGn missionarY discount: This

$4,000/year tuition discount is first-time OC

students (age 23 or under) whose parents

are currently working in the foreign mission

field under the provision and support of a

congregation of the Church of Christ located

in the United States. This discount may be

used for up to 10 semesters. A parent must

continue to work in the mission field and the

student must maintain a cumulative GPA of 2.0.

To apply, the student should complete the OC

application for admission with verification of

work in a foreign mission field.

sister school discount: This $4,000/year

tuition discount is for first-time OC students

(age 23 or under) whose parents work full-

time at a sister college or university. A Sister

College/University is one which participates in

the Sister School Undergraduate Reciprocal

Tuition Remission program. This discount may

be used for up to 10 semesters. A parent must

continue to work full-time at the sister college

or university, and the student must maintain a

2.0 cumulative GPA. To apply, complete the OC

application for admission and the Sister School

Discount application.

ouTSiDe SCHolARSHiPSfor information about outside scholarships,

please visit sources for other scholarships

at www.oc.edu/outsidescholarships.

fafsa?2 3

P A R E N T V I E W 2 0 1 116 P A R E N T V I E W 2 0 1 016 17W W W . O C . E D U

Some call it the elephant in the room.

Sometimes it’s the 800-pound gorilla. It’s the

topic no one is talking about, but what everyone

is thinking about.

We’re outing the elephant/gorilla of college

admissions ... the cost and value debates.

Obviously, affording a private Christian college

education is a concern for many families,

particularly when the cost of everything is going

up from gasoline to groceries.

The popularity of money-management programs

such as The Dave Ramsey Show also has

kicked the debate up a notch.

“I think education is extremely important.

However, going into major debt in order to get

a degree that you will never use is ridiculous,”

Ramsey wrote on his website, daveramsey.

com. “When I hire people for my company, I

don’t look only at the degrees they have. I look

at desire, attitude, diligence, people skills, and

other qualities. These are the things that will

determine if they are successful, not necessarily

a degree.”

You might think that statements like that would

make OC’s admissions folks squirm a little bit.

No, in fact, he has helped us.

OC’s foundation was built on transforming

students’ lives to not only be successful in a

career, but to be people who have the qualities

that Ramsey admires. And, no, you can’t

necessarily get that at any college or university.

Jon Junker is an OC alumnus who facilitates

Ramsey’s “Financial Peace University” at his

congregation. He paid his own way through

college in the 1980s – spurred on by his dad,

who taught him to spend his money on things

that will appreciate over time, like education.

“I believe that a Christian education has a lot of

value that may be intangible to those that have

not experienced it, such as a better student-

teacher ratio, a better environment, lots of

opportunities to grow spiritually, and making

many good friends for life,” he said.

Jon owns his own company, Redbud Technical

Consulting, based in Edmond, Oklahoma. He

says that his former professors still remember

his name and are genuinely interested in his

career and life when he sees them.

He and his wife, Gayle, have three children who

are rapidly heading toward college age. And

they are planning for it.

“I personally want my kids to have a stake in

paying for their higher education, whether it is

by earning scholarships or cold, hard cash,” he

said. “I believe that if the kid puts a little bit of

his or her treasure into it, their heart will follow.”

That’s advice that OC admissions counselor

Matt Johns has heard himself giving as he visits

with potential students.

“My parents sent three kids to OC, all within

eight years. My parents took out a Parent Plus

loan after my scholarships and we knew we

were not throwing away our money,” Matt said.

“We paid for my education knowing that my life

would forever be changed for the better.”

Admissions counselor Crislyn Ward says she

hears the value-versus-cost question a lot. She

gives a response that offers both a “how to”

and a passion that is hard not to catch.

“I tell students that my dad was a teacher

and my mom was a stay-at-home mom until

I was in high school, which means we didn’t

have a lot of money growing up,” she said. “My

parents had not been able to save much for my

education, but I knew that I wanted to be at a

Christian university. So I worked hard in school

to get good grades and good test scores.

Through hard work, good family support, and

the grace of God, not only was I able to come

to OC, but both of my younger brothers came

here as well.”

Granted, Crislyn, Matt and the other counselors

are part of the OC Admissions Team. But

you can train a counselor; you can’t force

authenticity.

“I do have student loans that I am paying off,

but I tell students and parents that those loans

are completely worth it. The lifelong friendships

I made at OC, the things I learned from my

professors, and the experiences I had as a

student will always be worth that monthly

student loan payment I make each month,”

Crislyn said.

Nancy and Steve Thomas are Ramsey followers

who had two children at OC at the same time.

“I agree with Dave Ramsey in that I don’t

believe we owe our children a college education,

but we always wanted our children to be able

to be independent and support themselves,”

Nancy said. “If that education and the skills that

come with it can help others, then they will

always be able to serve in the Lord’s kingdom.”

Talking about elephants, gorillas, student loans,

choices and value may not be so controversial

after all. Talking it out might just turn dreams

into reality.

By Dawn Shelton

read more about DYNAM ICALLY EQU IPPED a lumn i at www.oC . EDU/ fA I thfULLY

HoneST TAlk ABouT THe Big elePHAnTPay InG For CoLLEGE

P A R E N T V I E W 2 0 1 016 17W W W . O C . E D U

pieceof the pie

FEDERAL GRANT AND LOAN OPTIONS TO

HELP SWEETEN YOUR STUDENT’S FINANCIAL

AID PACkAGES

Pieceof the Pie

Federal grant and loan options to

help sweeten your student’s Financial

aid packages

P A R E N T V I E W 2 0 1 118

Pell grantThis grant is available to undergraduate students only who have an Expected Family Contribution (EFC) between $0 and 5,273. The EFC is based on the family’s financial need as determined by the Free Application for Federal Student Aid (FAFSA). Pell Grant awards do not require repayment and range between $555/year up to $5,550/year.

SuPPlemental educational oPPortunity grant (Seog)This grant is only available to undergraduate students. The amount is determined by the student’s financial need and the availability of funds at the school. It does not require repayment. Policies may vary according to institutions.

Federal Work-Study ProgramThis program is available to both undergraduate and graduate students. Students typically work no more than eight hours per week at minimum wage (up to $1,750/year). The inclusion of work-study on your financial aid offer only indicates eligibility. It is not a guarantee of a job. The student is responsible for contacting potential supervisors and finding a job. You may find job listings at www.oc.edu/campusjobs.

PerkinS loanThis loan is currently a needs-based 5% fixed interest loan. Repayment begins nine months after the student ceases to be enrolled at least half-time. The award is based on the family’s demonstrated financial need as determined on the Free Application for Federal Student Aid (FAFSA). Because of limiting funding, most qualified OC students typically are offered this loan in their freshman and sophomore years. THIS IS A LOAN AND MUST BE REPAID.

StaFFord loanThere are two types of Stafford loans. Eligibility is determined by a student’s demonstrated financial need as determined on the Free Application for Federal Student Aid (FAFSA). subsidized - This loan is based on a student’s demonstrated financial need. The federal government pays the interest on the loan while the student is enrolled at least half-time. The subsidized Stafford loan interest rate for 2012-2013 is fixed at 6.8% for undergraduate students.unsubsidized - This loan is not based on need, but on the cost of attendance. The federal government does not pay the interest while the student is in school. The student may choose to pay the interest quarterly or defer it by adding it to the loan principle while in school.

The unsubsidized Stafford loan interest rate for 2012-2013 is fixed at 6.8%.• Staffordloanswillbedividedbetweenthefall/

spring semesters. • Therewillbea0.5%feeautomatically

deducted from the disbursements.• REPAYMENTbeginssixmonthsafterthe

student drops below half-time enrollment. The minimum monthly payment is $50 per month. Multiple repayment plans exist. For more information about repayment options, visit www.studentloans.gov.

• FIRST-TIMEBORROWERSmustcompleteloanentrance counseling and a Master Promissory Note (at www.studentloans.gov) before any funds can be issued.

• THESELOANSBUTBEREPAID!Thefollowingis a list of the maximum amounts that may be borrowed:

freshmen (0-29 hours) - $5,500 ($2,000 must be unsubsidized)sophomores (30-59 hours) - $6,500 ($2,000 must be unsubsidized)Juniors & seniors (60+ hours) - $7,500 ($2,000 must be unsubsidized)Graduate students - $20,500 ($12,000 must be unsubsidized)

Parent loan For undergraduate StudentS (PluS)This is a loan available to the parents of a dependent student. A parent may borrow to cover the cost of a college education on behalf of a child regardless of the family’s income.• Parentsmayborrowuptothefullcostoftheir

dependent’s cost of education, less the amount of any financial aid received.

• ParentsareresponsibleforapplyingforthePLUS loan at www.studentloans.gov. Oklahoma Christian will be notified after application is made.

• ThePLUSloaninterestrateisfixedat7.9%.• Repayment begins 60 days after the loan is fully

disbursed. Parents can request that the loan be deferred until the student finishes college.

• Theminimumpaymentis$50permonth.Thetypical repayment term is 10 years.

• Therewillbea4%fee(3%originationplus1%default fee) automatically deducted from the disbursements.

• Theparentisresponsibleforpayingtheinterest that accrues on the loan from the time the loan is disbursed until it is paid in full.

• Youmustbeacreditworthyborrower.www.oc.edu/loans

FEDERAL STUDENT AID INFORMATION CENTERCALL 1.800.4.FED.AID (1.800.433.3243)

www.studentaid.ed.gov

Though Oklahoma Christian University is a private

institution that doesn’t receive government money

for operations, that doesn’t mean students are cut

off from state grants.

The Oklahoma State Regents for Higher Education

offers several scholarships and grants to help

students pay for college. For more information,

call the Student Information Hotline at (800)

858-1840 or (405) 225-9239, or visit www.

okhighered.org.

academic scholars program – This award

is worth up to $4,000 per year for up to eight

semesters. Students must have a subscore of 134

or higher on the ACT. National Merit Finalists who

are not residents of Oklahoma also may apply

for this scholarship. You must maintain a 3.25

cumulative GPA.

oklahoma tuition aid Grant (otaG) – This is a

need-based grant worth up to $1,300 per year for

qualifying Oklahoma residents. Oklahoma students

should file their FAFSA before March 1 to receive

this grant. Additional information can be found at

www.okhighered.org/academic-scholars.

oklahoma tuition equalization Grant (oteG) –

This is a need-based grant worth up to $2,000

per year for qualifying Oklahoma residents.

Students who submit FAFSA’s before March 1

receive priority.

oklahoma higher learning access program

(ohlap) – This scholarship is for students

whose families meet certain income requirements

and who have demonstrated a commitment to

academic preparation in high school. Students

must enroll in the eighth, ninth or 10th grade. In

2010-2011, this award was worth $116 per credit

hour.

oklAHomA STATe money

19W W W . O C . E D U

TAx BeneFiTS

THe AmeRiCAn oPPoRTuniTy TAx CReDiTThe American Opportunity tax credit offsets

the cost of tuition, fees, course-related books,

supplies, and equipment for higher education

by reducing the amount of income tax you

are liable for. In addition, the credit is partially

refundable—meaning that you may be able to

claim the tax credit and receive a check from

the IRS even if you owe no income tax!

The amount of the credit can be up to $2,500

per student. Up to $1,000 of the credit can be

refunded if your credit is more than the amount

of tax you owe. You are eligible for the credit

if your modified adjusted gross income is

$90,000 or less ($180,000 or less for married

couples filing a joint return). The credit amount

varies depending on income and how much you

spent on higher education expenses, and how

many eligible students are in your family.

The American Opportunity tax credit temporary

replaces the Hope credit. It has more generous

benefits than the Hope credit and was

authorized by the economic stimulus bill, the

American Recovery and Reinvestment Act of

2009, and is currently set to expire in 2011.

Expenses that count towards this credit are

tuition, fees, course-related books, supplies,

and equipment for higher education (less the

amount of certain scholarships and grants

received) during 2010 for yourself, your spouse,

or someone whom you claim as a dependent

on your tax return. Only expenses incurred

for the first four years of undergraduate study

count for purposes of this credit.

HoPe SCHolARSHiP TAx CReDiTThe Hope credit was temporarily replaced by

the American Opportunity tax credit.

liFeTime leARninG CReDiTThe Lifetime Learning Credit Is a tax credit

available to individuals who file a federal tax

return, owe taxes, and have a modified AGI of

$60,000 ($120,000 for joint returns) or less.

The amount of the credit is subtracted from

the taxes owed, rather than reducing taxable

income as with a tax deduction. Individuals who

do not pay taxes are not eligible for a Lifetime

Learning Credit.

You can claim a tax credit of up to $2,000

per tax return (not per student). The Lifetime

Learning Credit is non refundable—the maximum

credit that you can receive is limited to the

amount of tax you owe.

The Lifetime Learning Credit is available for

all years of postsecondary education and for

courses to acquire or improve job skills.

TuiTion AnD FeeS DeDuCTionThe Tuition and Fees Tax Deduction can reduce

taxable income by as much as $4,000. This

deduction may be helpful to you if you are not

eligible to take one of the tax credits. It is taken

as an adjustment to income, which means you

can claim this deduction even if you do not

itemize deductions on Schedule A of Form 1040.

You are eligible to take the deduction if your

modified adjusted gross income is $80,000

or less ($160,000 if filing a joint return). The

amount of the deduction you are eligible for

depends on the amount of qualified tuition and

related expenses paid for eligible students.

Up to $4,000 may be deducted from tuition and

fees required for enrollment or attendance at an

eligible postsecondary institution. Personal living

and family expenses (including room and board,

insurance, medical and transportation) are not

deductible expenses.

The exact amount of the Tuition and Fees Tax

Deduction depends on the amount of qualified

tuition and related expenses paid for one’s self,

spouse or dependent for whom the taxpayer

can claim an exemption.

You cannot claim both an education credit and

the tuition and fees deduction for the same

student for the same year, but you can take

the deduction for one student and a credit for

another. You cannot take this deduction if you

deduct tuition and fees expenses under any

other provision of the law (for example, as a

business expense).

You can’t claim this deduction if your filing

status is married filing separately or if another

person can claim you as a dependent on his or

her tax return.

More information concerning these tax benefits

is available at www.oc.edu/forms

HiGHeR eDuCATionAl exPenSeS CAn BeneFiT youR BoTTom line

P A R E N T V I E W 2 0 1 020 21W W W . O C . E D U

installment payment plan – When all scholarships, grant and loans are

calculated, most families have a remaining balance. A great way to pay

this balance is with the monthly tuition payment plan. This service is

available through the student’s account online. Additional information will

be sent with your award letter. More info is available on request or at

www.oc.edu/makepayment.

alternative student loan – Alternative loans, also called private loans,

are credit-based consumer loans that can be used for any education-

related purpose. Most freshmen and students with no credit history

require a co-signer. Private student loans should be used only after you

have used all available federal Stafford and/or Perkins loans. For more

information, please visit www.oc.edu/loans.

plus loan – The Parent Loan for Undergraduate Students (PLUS) is

a loan available to the parents of a dependent student. A parent may

borrow to cover the cost of a college education on behalf of a child

regardless of the family’s income. For complete information, please refer

to the federal financial information in this magazine (on page 19) or visit

www.oc.edu/loans.

electronic check/credit card – Parents/students may pay all or a

portion of the remaining balance with cash through an Electronic Check

transfer of funds. Parents/students may also pay using a credit card. The

university accepts three major credit cards: Discover, MasterCard, and

American Express (a 2.75% convenience fee will be assessed against all

credit card transactions). Students should be prepared to make payment

for tuition, fees and room/board by the first day of class each semester.

Paper checks should be made payable to Oklahoma Christian University.

www.oc.edu/makepayment.

ReASonS FoR FinAnCiAl AiD DiFFeRenCeS AT DiFFeRenT SCHoolSspecial circumstances – The federal government uses your previous

year’s financial information to determine financial aid eligibility. However,

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 affect

your eligibility for financial aid, please contact the financial aid office for

guidance. NOTE: You must contact each financial aid office with whom you

are corresponding.

cost of attendance – Direct student costs such as tuition, fees, room

and board are not constant. Indirect costs such as books and personal

expenses will differ on an individual basis. To accurately compare aid

awards from a different university, you need to compare the total student

expense budget and OC’s financial aid award with similar information from

other schools.

the amount of funding a university has available to award – Internal

and government funding will differ between institutions. Students applying

after published deadline dates may see a reduction in aid that could have

been awarded.

summer work – Students who work just 20 hours per week during the

summer should be able to earn enough to pay for their books or apply

some money toward their account.

PAYMENT

a.OPTIONS

c.PLAN

B.many families choose a combination of all the options below to pay for the costs that scholarships, grants and student loans do not cover.

parents may make a down payment and cover the remainder of the balance through a plus loan and the tuition payment plan.

P A R E N T V I E W 2 0 1 020 21W W W . O C . E D U

Home

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CASe

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Dy 2

$2,700 Student income$1,000 Student savings$86,000 Parent income$1,000 Parent savings3 Number in household1 Number in col lege

$6,000 PASS Academic Scholarship$1 ,750 Federal Work Study$3,500 Subsidized Stafford Loan$2,000 Unsubsidized Stafford Loan$13,250 total$11,750 estimated net cost after financial aid

$13,000 Parent PLUS Loan$157.04 Approximate PLUS Loan monthly payment for 10 years

$0 Student income$100 Student savings$53,537 Parent income$16,000 Parent savings3 Number in household1 Number in col lege

$6,000 PASS Academic Scholarship$3,150 OC Grant$1 ,750 Federal Work Study$3,500 Subsidized Stafford Loan$2,000 Unsubsidized Stafford Loan$2,000 Perkins Loan$18,400 total $6,600 estimated net cost after financial aid

$8,000 Parent PLUS Loan$96.94 Approximate PLUS Loan monthly payment for 10 years

Home

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*The above chart reflects the average amount awarded in 2010-2011 in scholarships, grants, and loans to students in particular income brackets. It is not intended to reflect exact amounts that will be awarded during a given academic year, but is merely a means to demonstrate eligibility for scholarships and grant, regardless of family income.

FAmily AGGReGATe GRoSS inCome (AGi)

Below $20,000$20,000-$40,000$40,000-$60,000$60,000-$80,000$80,000-$100,000Above $100,000

ToTAlSTuDenTS

264203173196162426

newSTuDenTS

8466667058173

AVeRAGe GRAnT/SCHolARSHiP*

$11 ,787 $12,658$11 ,570 $8,793$7,820$7,206

AVeRAGeSTuDenT loAn* $6,336 $6,122$5,815$6,453$6,263 $4,465

AVeRAGe FinAnCiAlAiD PACkAGe* $17,916$18,574$17,107 $14,456$13,669$11 ,671

inCome DiSTRiBuTion oF oC STuDenT FAmilieS

caseSTUDIESSometimes it’s easier to see it in print. Though the examples below are

simplified and can’t be used for direct comparison, they may give you an

idea of how scholarships and grants can add up in your student’s favor.Estimated Net Cost does not include cost books or student health insurance.

Amounts listed for Parent Plus loans only indicate amounts for which a parent can apply.

Other payment plan options can be found on page 21.

STiCkeR PRiCe VS. CoSTHigher education institut ions don’t al l pr ice their product in the same way. You may look at the sticker price of one col lege and think to yourself, “Wow, ‘School A’ costs less than ‘School B.’” But that might not be the case.

Schools may quote a price per hour based on a dif ferent number of semester units. Some may use block tuit ion pricing. Some may advert ise their cheapest housing option or lowest meal plan. Some universit ies have al l- inclusive fees with upgraded amenit ies ( l ike laptop computer hardware and support or complimentary laundry service) . Others have lower fees with fewer perks. Some col leges have very few course fees, whi le others may add several course fees to their standard tuit ion prices.

Think of it l ike buying a car … a dealer might advert ise a base price that doesn’t include add-ons and even basic features l ike the radio, air condit ioning, etc. When it ’s al l said and done, the car ends up being a lot more expensive than you were expecting.

At OC, our st icker price includes everything, including course fees. And scholarships and grants help offset a lot of that cost.

OC’s Student Financial Services Off ice encourages you to look beyond sticker price to careful ly consider the most important number: net cost to your family.

P A R E N T V I E W 2 0 1 122

Oklahoma Christ ian is committed to helping your student receive the most f inancial aid possible. When your chi ld appl ies to OC, your family wi l l be assigned a personal f inancial counselor, who wil l walk you through the f inancial aid process and help your student receive scholarships and other aid.

$22,419 Student income$0 Student savings$500 Student untaxed incomeN/A Parent incomeN/A Parent savings1 Number in household1 Number in col lege

$4,500 Transfer Academic Scholarship$4,000 OC Grant $1 ,750 Federal Work Study$5,500 Subsidized Stafford Loan$7,000 Unsubsidized Stafford Loan$22,750 total$2,250 estimated net cost after financial aid

Home

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: 3.12

wiTH

85 H

ouRS

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$11 ,000 Student income$50 Student savings$230,000 Parent income$2,000 Parent savings4 Number in household2 Number in col lege

$8,000 PASS Academic Scholarship$5,500 Unsubsidized Stafford Loan$13,500 total$11,500 estimated net cost after financial aid

$13,000 Parent PLUS Loan$157.04 Approximate PLUS Loan monthly payment for 10 years

Home

STAT

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AnSA

SAC

T: 2

8

CASe

STu

Dy 8

Home

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AliFoR

niA

ACT: 2

5

CASe

STu

Dy 4

$700 Student income$3,900 Student savings$9,600 Student untaxed income$122,000 Parent income$6,200 Parent savings$95,000 Parent Net Worth of Investments3 Number in household1 Number in col lege

$6,000 PASS Academic Scholarship$5,500 Unsubsidized Stafford Loan$11,500 total $13,500 estimated net cost after financial aid

$15,000 Parent PLUS Loan$181 .20 Approximate PLUS Loan monthly payment for 10 years

$0 Student income$0 Student savings$29,000 Parent income$500 Parent savings$16,000 Parent untaxed income2 Number in household1 Number in col lege

$4,000 PASS Academic Scholarship$1 ,000 Art & Design Scholarship$1 ,300 Oklahoma Tuit ion Aid Grant (OTAG)$2,000 Oklahoma Tuit ion Equal izat ion Grant (OTEG)$2,784 Oklahoma’s Promise (OHLAP)$5,550 Federal Pel l Grant$525 Federal Supplemental Grant (SEOG)$1 ,750 Federal Work Study$3,500 Subsidized Stafford Loan$2,000 Unsubsidized Stafford Loan$24,409 total$600 estimated net cost after financial aid

$2,000 Parent PLUS Loan$50 Approximate PLUS Loan monthly payment for 47 months

Home

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klAH

omA

SAT: 110

0

CASe

STu

Dy 3

$6,600 Student income$50 Student savings$36,000 Parent income$200 Parent savings$2,400 Parent untaxed income3 Number in household2 Number in col lege

$4,900 OC Grant$4,300 Federal Pel l Grant$525 Federal Supplemental Grant (SEOG)$1 ,750 Federal Work Study$3,500 Subsidized Stafford Loan$2,000 Unsubsidized Stafford Loan$16,975 total$8,025 estimated net cost after financial aid

$9,500 Parent PLUS Loan$114.76 Approximate PLUS Loan monthly payment for 10 years

Home

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loRi

DASA

T: 9

30

CASe

STu

Dy 6

$0 Student income$0 Student savings$76,000 Parent income$1,600 Parent savings$8,000 Net worth of investments5 Number in household2 Number in col lege

$8,000 PASS Academic Scholarship$2,800 OC Grant$1 ,750 Federal Work Study$3,500 Subsidized Stafford Loan$2,000 Unsubsidized Stafford Loan$2,000 Perkins Loan$20,050 total$4,950 estimated net cost after financial aid

$6,500 Parent PLUS Loan$78.52 Approximate PLUS Loan monthly payment for 10 years

Home

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oloR

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9

CASe

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Tuition (12-15 hours per semester)General FeeTechnology FeeStudent Senate FeeMeal Plan (210 meals per semester + 100 Eagle Bucks)Housing (Average price of freshman housing)

SemeSTeR

$8,300$450$450$28$1,450$1,862.50

yeAR

$16,600$900$900$56$2,900$3,725

CoST FoR 2011-2012 www.oC.eDu/CoST

23W W W . O C . E D U

? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ? ?

WEBSITESWITH ANSWERS

AFFoRDABiliTy weBSiTe

The choice to invest in an education at Oklahoma

Christian University is the choice to invest in your

own future.

Attending college requires a financial commitment

from the student, the family, the government, and

the school. We believe you’ll find an extraordinary

commitment from Oklahoma Christian to make a

high quality Christian education affordable for your

family.

Visit www.oc.edu/affordability to see yourself in the examples given and calculate your own

potential scholarship and aid package. The site features our Financial Aid and Scholarship

Estimator, information on the average amounts awarded to students in particular income

brackets, case studies, testimonials, links to our Financial Services blog, and much more!

Think of the site as an online, interactive extension of Parent View. We hope you’ll find the

tools and information on the Affordability Website extremely helpful as you plan to send your

child to college. Here’s more info about some of our key online features:

FinAnCiAl AiD AnD neT CoST eSTimAToR

Your family doesn’t need to wait until spring to find out how much financial assistance

(including scholarship and grant money) your child may qualify for. Simply visit

www.oc.edu/estimator and complete a few simple questions. In a matter of minutes, you’ll be

provided with a net cost estimate including scholarships, grants, loans and work study.

BloGS FoR PARenTS

OC offers a Financial Services Blog and an Admissions Blog to further enhance our ability to

communicate new and vital information quickly and efficiently.

The Financial Services Blog (www.oc.edu/financialblog) explores the various types of financial

aid, the amount that should be saved for college, and other important facts for future students

and their parents. It focuses on four main topics: college savings, scholarship tips, federal and

state aid, and outside scholarships. Readers also are provided useful links.

This year, Shelley Kurt will continue to share her experience as an OC parent through her

blog, “Leaving the Nest.” Shelley’s oldest daughter started at OC last year, and her other

daughter will be an OC freshman this year. Share her experience and feel free to offer your

own comments at blogs.oc.edu/shelley.

PARenT weBSiTe

Oklahoma Christian offers an index of information on the university’s website specifically for

parents. Visit www.oc.edu/parents.

Oklahoma Christian University provides convenient

payment and billing options that allow you to keep

more of what’s important: your free time.

Parents and/or Students Pay Student

Accounts Online

With online payments, student families have a

faster way to pay OC charges and fees. It’s not

only fast; it’s easy! You simply:

• Choosethepaymentmethodthatbestfitsyour

needs.

• Payoverasecureandeasy-to-usewebsite

(www.oc.edu/makepayment).

In addition, you can set up and maintain recurring

payments. Pay anytime, anywhere.

Set Up Payment Plans

We’ve all been there; sometimes you just can’t

pay the entire bill all at once. OC payment plans

are easy, convenient and designed to fit any

financial situation. And they’re a snap to set up …

just visit www.oc.edu/makepayment to get started.

Receive Bills From OC Electronically

Electronic billing is the easy way to keep track of

your bills and get notified when it’s time to make

a payment (it’s also good for the environment!).

It’s a secure and reliable way of integrating,

consolidating, authorizing and processing all your

OC bills. We simply notify you by email that a bill

is available online and allow you or a payer that

the student authorizes to make a payment. You

can even print receipts and students can set up

PIN access for parents and family members.

Set Up Electronic Refunds

E-Refunds allow students to avoid the delay

in receiving and cashing a refund check. OC

simply notifies students by email the instant

their refund has been deposited into their bank

account. E-Refunds are convenient, fast and easy

for students to set up. Students simply click on

their Student Account Online at MyOC to enable

E-Refund and they never have to wait for a paper

check from OC again.

oC STuDenT ACCounT online

P A R E N T V I E W 2 0 1 024 25W W W . O C . E D U

PARENT ASSOCIATION

STuDenT liFe AnSweRS Common PARenT queSTionS

Associate Dean of Students Jeff Bennett and the other dedicated people in the Office of Student Life help students have the best experience possible on campus. Dean Bennett answered a few questions for Parent View.

IF A STUDENT IS HAVING A DIFFICULT TIME, WHAT DOES YOUR OFFICE DO TO HELP? Dean Jeff Bennett: Our office is staffed with a number of personnel who serve as freshman advisers. They are available to assist new students with areas of difficulty. Both the Dean of Students and the Associate Dean of Students are available to counsel with students on particular issues. We also coordinate with the Wellness Center and refer students there if they have issues that are beyond the scope of this office.

IS OC A SAFE CAMPUS?Dean Jeff Bennett: Our campus is extremely safe. Looking at our crime reports over the past three years, we find that our greatest problems come in the areas of vandalism and theft. Some of those are due in part to the trusting nature of our students, who often do not heed warnings to lock their rooms. We have increased lighting to better secure our parking areas at night. Campus security also is available to escort students from parking areas to their residence if desired.

HOW DO STUDENTS GET INVOLVED IN CAMPUS LIFE? Dean Jeff Bennett: Students can run for various positions in the Student Government Association. Following freshman year, students also have the opportunity to join a social service club, which gives them an opportunity to connect with others with similar interests. Students also are encouraged to get involved in a local church, outreach programs and other clubs.

WHAT IF MY STUDENT BECOMES ILL?Dean Jeff Bennett: We have a Wellness Center that is staffed with a school nurse, physician and psychologist. Students who become ill can report to the Wellness Center during the school day. After hours, students may seek the help of residence hall personnel and may be transported to an emergency room if necessary.

WHAT CAN A PARENT DO TO HELP A STUDENT WHO IS HOMESICK?Dean Jeff Bennett: Parents should discuss this possibility prior to sending their student to school. Students need to know this is a natural and common occurrence. Frequent calls can help, but parents should help the student reduce excessive parental dependence early on. Students and parents are encouraged to contact the Director of Freshman Programs concerning a homesick situation.

When it comes to sending your kids to college, it’s no wonder moms and dads want to be

thrown a rope.

There’s the emotional rollercoaster involved in sending your child to live and learn away from

you.

There’s the endless process of filling out applications for admissions, financial aid, scholarships,

housing and meal plans.

And there’s the financial implication involved in making it all happen.

The OC Parent Association was formed in 1990 with one basic goal – to improve

communication between parents and the university.

Through our new combined student and parent orientation, called Take Flight, parents and

students can learn about everything from how students can get involved on campus to how

healthy the food in the cafeteria is.

There also are tips about finding out about your student’s school bill, how to find that

information online and what a PFC (Personal Financial Counselor) is.

These summer orientations are designed to be informative, yet humorous, and to allow

parents to unload a little stress before heading back home.

The Parent Association also helps with care packages throughout the school year. You can

order cakes for birthdays, late-night snacks for studying, a balloon and candy to say, “we love

you,” and other items to stay in touch with and encourage your child.

Above all, the Parent Association provides a network of parents who want the best for their

children and can share experiences. Parents can be assured that OC’s staff and faculty care

for their sons and daughters physically, academically and spiritually.

Find out more about the Parent Association at www.oc.edu/parents.

P A R E N T V I E W 2 0 1 024 25W W W . O C . E D U

a

aGi: (Adjusted Gross Income): All taxable income less IRS allowable adjustments to income. This figure is from U.S. IRS tax forms.

academic Year: A period of time used to measure a quantity of study. At OC, it is the fall and spring semester.

accrued interest: Interest that accumulates on the unpaid principal balance of a loan.

alternative loans: (also called private student loans) are based on credit and do not require completing a FAFSA, but often carry a higher interest rate than federal loans. Much like a Stafford loan, repayment begins when a student drops below half-time hours. Alternative loans are used by students when federal financial aid cannot meet all educational financial needs.

amortization: The process of gradually repaying a loan over an extended period of time through periodic installments of principal and interest.

award letter: An official document issued by a financial aid office listing all the financial aid awarded to the student. The award letter will include information about the cost of attendance and terms and conditions for the financial aid.

B-c

borrower: The person who receives the loan.

capitalization of interest: Addition of unpaid interest to the principal balance of a loan, which increases the total outstanding balance due.

cosigner: A person who signs the promissory note in addition to the borrower and is responsible for the obligation if the borrower does not pay.

cost of attendance: The total cost for one academic year - tuition, fees, room, board, supplies, transportation and personal expenses.

cps (Central Processing System): The organization that processes the information submitted on the FAFSA and submits the results to students and colleges.

credit-worthy: An individual with no negative credit history per the criteria established by the lender.

d

deferment: A period during which a borrower, who meets certain criteria, may suspend loan payments. For some loans, the federal government pays the interest during a deferment. On others, the interest accrues and is capitalized, and the borrower is responsible for paying it.

dependent student: An undergraduate student whose parents provide more than half of his or her financial support. A dependent student is not married, is under 24 years of age, has no legal dependents,

is not an orphan or ward of the court, nor a veteran of the U.S. Armed Forces. Parents of a dependent student must submit parental information on the FAFSA for their son or daughter to be considered for financial aid. Parents of dependent students are eligible for the PLUS Loan program. (See also Independent.)

direct loan program: A program administered through the U.S. Department of Education providing Stafford and parent PLUS loans.

disbursement: The release of loan funds to the school for delivery to the borrower. Disbursements are usually made in equal multiple installments co-payable to the borrower and the school.

disclosure statement: Statement of the total cost and amount of a loan, including the interest rate and any additional finance charges.

e

efc (Expected Family Contribution): The amount a family is expected to contribute to a student’s education. EFC is calculated based on family earnings, net assets, savings, and size of family and number of family members in college.

eligible non-citizen: Someone who is not a U.S. citizen, but is nevertheless eligible for federal student aid. Eligible non-citizens include U.S. permanent residents who are holders of valid green cards, U.S. nationals, holders of form I-94 who have been granted refugee or asylum status, and certain other non-citizens. Non-citizens who hold student visas or exchange visitor visas are not eligible for student aid.

enrollment status: An indication of whether you are a full-time or part-time student. Generally you must be enrolled at least half-time in a degree or certificate program to qualify for financial aid.

entitlement: Entitlement programs award funds to all qualified applicants. Federal student loans are an example of such a program.

F

faa (Financial Aid Administrator): A college or university employee who is involved in the administration of financial aid. Some schools call FAAs ‘Financial Aid Advisors,’ ‘Financial Aid Counselors’ or ‘Personal Financial Counselors.’

fafsa (Free Application for Federal Student Aid): The form that must be completed by students and parents applying for Federal Title IV student aid.

financial aid package: A combination of financial aid (scholarships, grants, loans and/or work-study) awarded by the financial aid office of a college or university.

financial need: The difference between the cost of attendance at a college and the Expected Family Contribution (EFC).

fixed interest: On a fixed interest loan, the

interest rate remains the same for the life of the loan.

g-l

Gift aid: Financial aid, such as grants and scholarships, which does not need to be repaid.

Grants: Financial aid awards that do not have to be repaid. Grants are available through the government, state agencies and colleges.

independent student: A student who is either married, 24 years of age or older, enrolled in a graduate or professional education program, has legal dependents other than a spouse, is an orphan or ward of the court, or a veteran of the U.S. Armed Forces.

interest: An amount calculated as a percent of the principal loan amount that is charged for borrowed money.

loan: A type of financial aid that is available to students and their parents. Education loan programs have varying interest rates and repayment provisions. An education loan must be repaid.

loan entrance and exit counseling: Students with educational loans are required to complete a loan counseling session before they receive their first loan disbursement and again before they graduate or otherwise leave school. During these counseling sessions, called entrance and exit interviews, the FAA reviews the repayment terms of the loan and the repayment schedule with the student.

n

need: The difference between the cost of education and the Expected Family Contribution (EFC) is the student’s financial need.

need analysis: Calculation used to determine a student’s need for financial assistance for college expenses. The analysis determines the family’s ability to contribute to costs compared to the student’s cost of attendance.

need-based: A means of determining eligibility for certain types of financial aid using financial need as the determining factor.

o

origination: The process whereby the lender, or a servicing agent on behalf of the lender, handles the initial application processing and disbursement of loan proceeds.

origination fee: Fee payable by the borrower and deducted from the principal of a loan prior to disbursement to the borrower. For federally-backed loans, the origination fee is paid to the government to offset the cost of the interest subsidy to borrowers. For private loan programs, the origination fee is generally paid to the originator to cover the cost of administering and insuring the program.

overaward: The amount of financial aid proceeds that, when added to other student financial assistance, exceeds the borrower’s educational need.

P

plus (Parent Loans for Undergraduate Students): Federally-insured loans for parents of dependent students.

pell Grant program: The largest grant program. Eligibility and award amounts are determined by the college based on established guidelines.

perkins loans: Federally-insured loans funded by the government and awarded by the school. The loans feature a low interest rate and are repayable over an extended period.

pfc (Personal Financial Counselor): This is your contact person for any questions you have about financial aid and your student account.

promissory note: Contract between a borrower and a lender that includes all the terms and conditions under which the borrower promises to repay the loan.

S

sar (student aid report): An output document sent to a student by the application processor. The SAR contains financial and other information reported by the student on the FAFSA. The student’s Expected Family Contribution (EFC) is printed on the front of the SAR and is the figure used by colleges to determine eligibility for aid.

self-help aid: Financial aid in the form of loans or student employment.

seoG: Supplemental Educational Opportunity Grant Program; grant funds made available through some schools to a limited number of undergraduate students with financial need.

subsidized stafford loans: Need-based loans.

t-W

transcript: A list of all the courses that a student has taken at a particular high school or college with the grades that the student earned in each course.

unsubsidized stafford loans: Non-need-based loans.

verification worksheet: A form sent by the college to students who are selected for verification by the Department of Education’s Central Processing System.

work study: A program, awarded by the college, through which students work part-time to help fund their education.

GLOSSARY OF FINANCIAL AID TERMS

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 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$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $

P A R E N T V I E W 2 0 1 026 27W W W . O C . E D U

$ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ 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starting college marks a new beginning in your child’s life. the financial decisions your child

makes after moving away from home will impact him/her for years to come.

here are some tips you can pass along to your child to help him/her develop good financial

habits. clip them out for your child’s corkboard or mini-fridge, or just use them as talking

points when you have that big “going-off-to-college” conversation …

moneYManaGEMEnt tIPS For StUDEntS

1. CReATe A monTHly BuDGeT • Decide how you will spend your money before you spend it. Tracking your day-to-day spending can

help you identify wasteful habits and tighten your purse strings. Reconciling receipts, using cash,

using debit cards, online banking, spreadsheets and financial software are all good tools used to

track spending. Use a method that works for you.

• New month = new budget. Spend at least 30-45 minutes a month totaling the results of the previous

month’s budget and make a new budget for the upcoming month. Having the discipline to stay the

course will help you develop healthy financial practices for life.

2. AVoiD CReDiT CARD PiTFAllS • Many debate the pros and cons of credit cards, but regardless of which side you’re on, there are

several common pitfalls associated with credit cards. College students are one of the most heavily-

targeted groups for credit card marketers.

• Unpaid balances, interest charges, and fees accumulate rapidly, usually when one can least afford.

• Credit cards can develop a buy-now, pay-later mentality. This leads to increased spending and

trouble when the unexpected happens.

3. HAVe An emeRGenCy FunD • The unexpected happens! An emergency fund helps you prepare for the inevitable.

• $500-$1,000 will prevent most students from ever having additional debt.

• Only spend out of the fund in case of emergencies! Buying that “must-have” sweater is not an

emergency. Christmas is not an emergency. Your car breaking down likely is an emergency.

4. BeGin THe HABiT oF SAVinG AnD TiTHinG now • If you have an income (no matter how small), saving and tithing need to be high priorities in our life.

• Pay God first, yourself second, and lifestyle third.

5. START THinkinG ABouT STuDenT loAn RePAymenTS BeFoRe THey BeGin • Borrow for education, not lifestyle.

• Know your loan obligations, read the fine print, and retain all loan documents.

• Estimate loan payments before taking a student loan.

• To help determine the amount of your student loan repayments, visit www.oc.edu/managemyloans.

27W W W . O C . E D UP A R E N T V I E W 2 0 1 026 27W W W . O C . E D U

inDiViDuAl CAmPuS ViSiT www.oC.eDu/ViSiTCAmPuSinDiViDuAl STuDenT/FAmily ViSiT | 1 DAy

If you can make just one visit to OC, this personalized campus visit experience

is the option for you! Attend class and Chapel, enjoy a complimentary lunch,

visit with a faculty member, and meet your admissions counselor.

CAmPuS ConneCT www.oC.eDu/CAmPuSConneCTSmAll GRouP PRoGRAm | 1 DAy

This comprehensive visit event includes a campus walk, class visit,

complimentary lunch, financial aid session for parents and more. A limited

number of slots are available for each session. Register online.

SPRinG ViSiT www.oC.eDu/SPRinGViSiTlARGe GRouP PRoGRAm | 2 DAyS

Spring Visit, set for March 2-3, is OC’s largest visit event of the year. It

features Spring Sing (with themed shows by OC’s social service clubs), special

academic programming, scholarship auditions and an overnight stay in a

residence hall. Register online.

To schedule a campus visit, visit our website or call our Admission Office.

www.oC.eDu/ViSiTCAmPuS | 800.877.5010

visit campus

SuPeR ConneCT (premier fall visit opportunity!)

Friday, Sept. 23

CAmPuS ConneCTMonday, Sept. 5

Monday, Oct. 10

Friday, Dec. 2

Friday, Jan. 27

Monday, Feb. 20

Friday, Mar. 30

Friday, Apr. 13

CAmPuS ConneCT PluS (optional Homecoming activities)

Friday, Nov. 4

SPRinG ViSiT (including Spring Sing)

Friday-Saturday, Mar. 2-3

Some thingS you juSt have to See for yourSelf! ChooSe one (or even two or three!) of the optionS below and road trip to oC.

P A R E N T V I E W 2 0 1 028 29W W W . O C . E D U

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CleP AnD ACT clep - Testing is available on campus. Students can test out of several basic courses and get full credit for the course. For more information, go to vwww.oc.edu/testing or contact OC’s Admission Office at 405.425.5050 or at info@oc.edu.

residual act test - Oklahoma Christian University offers the residual ACT test beginning in January and continuing through the summer months. Your child can use residual test scores for admittance to Oklahoma Christian and for academic scholarships. Taking the residual test is also a great way for your student to practice for upcoming national test dates! To arrange a test time, call 800.877.5010 ext. 5050. Find scheduled test dates at www.oc.edu/residual.

SePTemBeREncourage your student to apply to OC … application fee waived

through September.

6 Campus Connect (Group Visit Event)

23 Freshman Fanfare

24-25 SUPER Connect (Premier Fall Visit Opportunity)

oCToBeR 2-4 Quest(www.oc.edu/Quest)

10 Campus Connect (Group Visit Event)

20-21 Fall Break

noVemBeR 4 Campus Connect (Group Visit Event)

4-5 Homecoming

23-25 Thanksgiving Break

29 Lighting of the Commons

DeCemBeR 2 Campus Connect (Group Visit Event)

15 Early Admit Deadline

16 Christmas Break Begins

JAnuARy Finish your taxes this month and complete FAFSA

9 Spring Classes Begin

27 Campus Connect (Group Visit Event)

FeBRuARy Reserve dorm space!

20 Campus Connect (Group Visit Event)

mARCH 2-3 Spring Sing & Spring Visit (Weekend Visit Event)

17-25 Spring Break

30 Campus Connect

APRil Register for Take Flight (New Student Orientation & Parent Orientation)

13 Campus Connect (Group Visit Event)

mAy 1 Housing Deposit Refund Deadline

4 Take Flight (New Student Orientation & Parent Orientation)

June 23 Take Flight (New Student Orientation & Parent Orientation)

July Plan a school shopping trip

22-28 Honors Summer Academy (For High School Students)

AuGuST 20 Take Flight (New Student Orientation & Parent Orientation)

21-25 Earn Your Wings

27 Classes Begin

P A R E N T V I E W 2 0 1 028 29W W W . O C . E D U

Our Department of Biology’s outstanding medical and graduate

school placement rates help make Oklahoma Christian one of the

best universities in the west, as named by U.S. News & World

Report and The Princeton Review. For more information about

all of our high-quality programs, go to www.oc.edu/academic.

www.oc.edu/connect

95% Medical & Graduate School Placement for Biology Grads

OC’s Career Services Office helps students obtain internships and part-time or full-time work, plus these and other free services:

Career Assessments ● Career Exploration ● Resume/Cover Letter Critiques Mock Interviews/Interview Preparation ● Online Job Databases