Finances

Expenses

Tuition and Fees

Tuition and fees are established on an annual basis. Tuition is charged on a per-hour rate. Fees are also assessed for some classes, technology, activities, and graduation. A complete list of tuition and fees for the subsequent school year will be available from the Admissions or Dean’s offices after January 1 each year.

Student Health Insurance

All students are required to demonstrate health insurance coverage at the time of enrollment in Emmanuel. For those who do not have appropriate coverage, an agent from an approved agency is available during registration to write insurance coverage. Payment is arranged directly with the agent. Costs vary, depending on marital status and the number of children. A student is excused from participation only if he or she has comparable insurance.

Note:
Students who plan to terminate their previous health insurance and begin a new policy at Emmanuel should remember that some insurance companies deny coverage for pregnancy and many other preexisting conditions

Payments

Charges are to be paid in full at the beginning of the semester or, by the approval of the Business Manager, in four equal payments during the semester. The first payment is due at registration. No registration for classes is permitted until previous Emmanuel enrollment charges have been paid. All fees and insurance premiums are due at registration.

Refunds

Students who wish to withdraw from one or more classes must receive prior written permission from the Dean and the instructor. Three-fourths of the tuition will be refunded when withdrawal is made during the first two weeks of a semester, one-half during the following two weeks. After the fourth week, there will be no refund except in the case of illness, which must be certified by a physician. (See note under Financial Aid: Grants-in-Aid for information about forfeiture of aid upon class withdrawals.)

Board

Meals at reasonable prices may be obtained conveniently at Milligan College in the McCormick Dining Center and the McMahon Student Center.

Room

Emmanuel owns seven one- and two-bedroom student apartments. Most students must find accommodations elsewhere in the community. Dormitory rooms for single students are sometimes available at Milligan College, as are a limited number of apartments. Private apartments and houses are available for rent throughout the area. An assistant is employed in the Admissions office to assist students in finding suitable housing.

Books

Textbooks are available for purchase in the Emmanuel Bookstore. Students may not charge Bookstore items to their Emmanuel account unless a credit balance exists on the account. Visa and MasterCard are accepted.

Living

Students are urged to make careful, realistic plans each year for funding their living expenses in addition to tuition and fees. These expenses vary widely according to individual circumstances, but approximate guidelines for new students are available from the Director of Admissions.

Financial Aid

Emmanuel offers a comprehensive program of financial aid for students. All M.Div. and M.A.R. students are eligible to apply for financial aid. A financial aid application must be completed each year. If financial need is demonstrated, Emmanuel will attempt to meet a portion of that estimated need. Complete details are available in the Financial Aid Handbook. Awards are made in May for the following academic year.

Types of Financial Aid

Grants-in-Aid

Grants are available to applicants who meet academic and other qualifications for admission and who are taking at least nine semester hours of credit per semester. The exact amount of each grant will be determined on the basis of actual need demonstrated on the student’s application for aid each year and the number of credit hours the student is carrying. A review each semester of the student’s academic performance, in addition to financial need, will determine continuation of the grant-in-aid. Special consideration will be given to entering students whose financial situation is uncertain. A student’s spouse is assured a one-half tuition grant upon enrollment.

Qualifications for receiving and retaining grants-in-aid are fully explained in the Financial Aid Handbook, available in the Office of Admissions and in the Dean’s Office.

Note:
When a student withdraws from a course for which the tuition is being fully or partially paid directly by financial aid, the student must reimburse the School for the nonrefundable portion of the tuition as set forth in the schedule given above under Refunds. Withdrawing to fewer than 9 credit hours usually cancels one’s eligibility for financial aid. See the Financial Aid Handbook for more information.

Loans

Emmanuel participates in the Federal Stafford Student Loan and PLUS/Supplemental Loan programs. The Stafford program allows students to postpone repayment until degree requirements have been completed. Some additional loan money is available to students apart from these programs.

Campus Employment

A limited number of jobs on campus are available to students as funded by the College Work/Study Program and the Emmanuel Work/Study Program. Current minimum wage is credited to student accounts for the hours worked, up to the amount awarded.

Professorial Scholarships

Several Professorial Scholarships are available each year. Students who receive these scholarships must apply separately from other financial application to be considered for these awards. Those selected for the awards are assigned to a professor from whom they provide ten hours of assistance each week. These are renewable on a year-to-year basis.

Scholarships

Several named scholarships are available to students who meet specified qualifications. These scholarships are awarded through the school’s financial aid program.

Gifts

Friends of Emmanuel contribute to the Timothy Fund, through which some assistance is given to students in need. Students also make assistance available to one another through the Student Emergency Loan Fund.

Employment

Employment of many kinds is available in Johnson City and the Tri-Cities region. An assistant in the Admissions office helps students and their spouses to find secular employment in the area. Students desiring to serve a local church in any capacity should contact the Office of Admissions, Emmanuel School of Religion, Johnson City, Tennessee 37601-9438. Assistance is available to all students currently enrolled in Emmanuel School of Religion and to incoming students whose applications have been approved by the Admissions Committee.

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