Category Archives: Admissions


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  • Phone: (574) 239-8400
  • Fax: (574) 239-8323
  • Email:
  • Mailing address:
    Holy Cross College
    54515 State Road 933 North
    P.O. Box 308
    Notre Dame, IN 46556

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Students with Military Experience

Do you currently or have you ever served in the military? Holy Cross College thanks you for your efforts!

When it is time to get back into civilian life, we inviting you to consider enrolling at Holy Cross College to prepare yourself for a career after military service.

Why Holy Cross? Through our small classes, individualized attention, and focus on experiential learning, we offer an academic environment where you can develop lasting relationships with your professors, advisors, and peers. What’s more, we are a distinctively Catholic institution which welcomes students of all faith backgrounds to attend.

Have you already completed some college-level or equivalent coursework? Holy Cross accepts military credit based upon your American Council on Education (ACE) recommendation. An official transcript is required for evaluation. To obtain one, visit:

Regarding Financial Aid, Holy Cross is pleased to assist our veterans and their families by offering our support regarding the use of their Veteran Affairs (VA) benefits.

Post-9/11 GI Bill

Veterans who have served at least 90 days of active duty service after September 10, 2001 and received an honorable discharge will qualify for the Post-9/11 GI Bill. To qualify for the full benefit a Veteran must have served at least 3 years of active duty after September 10, 2001. Those who qualify for the Active Duty GI Bill, the Reserve GI Bill or REAP* will have the option to choose which benefit best suits their need.

The Yellow Ribbon Program was established by the Post-9/11 Veterans Educational Assistance Act of 2008. This program allows institutions of higher learning (such as colleges, universities, and other degree-granting schools) in the United States to voluntarily enter into an agreement with VA to fund tuition and fee expenses that exceed the tuition and fee amounts payable under the Post-9/11 GI Bill. The institution can contribute a specified dollar amount of those expenses, and VA will match the contribution, not to exceed 50% of the difference.

Calculate your benefits and research approved programs:

For eligibility requirements, processing time schedules, and general questions, you can reach out to the Veteran Affairs Benefits Center at or by calling 1-888-442-4551.

If you have additional questions regarding the admissions process, course credits, financial aid, scholarships, or more, you are welcome to reach out to the  a member of our enrollment team for answers. Each member of the armed services has their own unique story to tell about their journey. We are interested in hearing yours!


Christopher Lushis, Admissions Counselor for Former & Active Military Personnel

Hiroko Harrison, Registrar

Michael Schmaltz, Director of Financial Aid

Admitted Student Overnight Program

We look forward to hosting you!

Thank you for your interest in participating in our overnight program for admitted students!

Check-in will take place in the Vincent Building Atrium between 3:00-6:00 p.m. ET on Sunday, April 29. Click here to view a campus map. All meals during your stay will be provided. Programming for parents and other guests begins at 9:00 a.m. ET on Sunday, April 30.

Required Forms

  1. If you haven’t done so already, complete and submit the online registration for Admitted Student Day and indicate your interest in the overnight program.
  2. Please complete and submit these forms if your birthday is on or before April 29, 2000.
    Please complete and submit these forms if your birthday is after April 29, 2000.

Completed forms can be scanned and emailed (preferred) to or faxed to (574) 239-8323.

What to Bring

  • Sleeping bag and pillow
  • Towel and toiletries
  • Shower sandals/shoes
  • Athletic attire and gym shoes (optional, for evening activities)

Holy Cross College Signature Scholarships

Congratulations on being nominated for a Signature Scholarship at Holy Cross College!

To be further considered for a scholarship award:

  1. Complete the Free Application for Federal Student Aid (FAFSA) and have it sent to Holy Cross College. Our Federal School Code is 007263.
  2. Participate in an on-campus Signature Scholarship Interview Day. Parents, family members, and other guests are invited to join you for the Interview Day. There will be special meetings with campus leadership while you are completing your interview(s).

Click a link below to register for an upcoming Interview Day:

    1. Friday, December 8, 2017 (8:30 a.m.-1:00 p.m. ET)
    2. Friday, December 15, 2017 (8:30 a.m.-1:00 p.m. ET)
    3. Friday, February 9, 2018 (8:30 a.m.-1:00 p.m. ET) 
    4. Friday, March 2, 2018 (8:30 a.m.-1:00 p.m. ET)
    5. Friday, April 13, 2018 (8:30 a.m.-1:00 p.m. ET)

If you cannot travel to Holy Cross College to participate in an Interview Day, interviews can be completed on other visit days and phone interviews are also available. To register for an alternate visit day or phone interview, contact your admissions counselor.

Tentative Interview Day Itinerary

Students can depart campus following the interviews but are invited to join us for lunch, mass, and/or a campus tour in the afternoon.

8:30-9:00 a.m. Check-in and continental breakfast
9:00-9:30 a.m. Welcome and overview
9:40-11:00 a.m. Parent and guest meeting with campus leadership
Past participants include: College President, Provost, Dean of Students
9:40-11:00 a.m. Group and individual interviews
11:00-11:50 a.m. Current student panel, Q&A
12:00 p.m.-1:30 p.m. Lunch available at Siegfried Dining Hall
12:25-12:55 p.m. Daily mass at Saint Joseph Chapel (optional)
1:30-2:30 p.m. Campus tour (optional)

Frequently Asked Questions

Q: What is a Signature Scholarship?
A: Signature Scholarships are Holy Cross College’s way of recognizing students who have special gifts to share with our campus community. These students embody talents, passions, and characteristics that will advance the mission of Holy Cross in faith, service, academics, and athletic excellence. Signature Scholarships are different from the Dean’s, President’s, and Trustee Scholarships.

Q: How does the nomination process work?
A: All new first year and transfer applicants are automatically considered for nomination as part of the application review process by the Committee on Admissions. Those applicants selected as nominees will be notified of their status in the admissions packet. The nomination process is highly selective.

Q: How many Signature Scholarships will be awarded?
A: The number of scholarships awarded will vary according to the number of nominations and quality of interviews.

Q: How much is a Signature Scholarship worth?
A: This will vary based on a student’s application for admission and interview. Scholarship awards have typically ranged from $2,500 to $12,000 per year, renewable for up to four years of full-time enrollment.

Q: Am I more likely to receive a Signature Scholarship if I participate in an Interview Day?
A: We prefer all scholarship nominees to visit campus for an in-person interview, but we also understand that schedules and cost of transportation will prevent some nominees from visiting campus. Therefore, all nominees who participate in an interview, whether in-person or by phone, will be similarly considered for a scholarship.

Q: Do I attend Interview Day alone or can I bring guests?
A: Parents and other guests are invited to join you for Interview Day. There will be a special session offered for parents and guests while you are participating in interviews. Guests are invited to have lunch and join the afternoon campus tour. If you attend Interview Day alone, that’s fine, too.

Q: How do I prepare for the interview?
A: Campus interviewers will have reviewed your application for admission, which includes your essays, activities, and leadership history. Be prepared to answer questions about your participation in school, community, and church extracurricular activities as well as the reasons why you think you would be a good fit for Holy Cross College. Interviews will vary in time, but will likely not exceed 30 minutes. On-campus interviews can be individual and/or with small groups of other scholarship nominees.

Q: With whom will I interview?
A: Faculty members, staff, and college leadership will serve as campus interviewers. You will be notified of your interviewer/s before Interview Day.

Q: What do I wear for the interview?
A: Remember that you are trying to impress the campus interviewers before, during, and after your interview. This includes how you dress while visiting campus. Business casual and business professional attire are acceptable.

Q: How are final Signature Scholarship decisions made?
A: A committee made of campus interviewers, admissions counselors, and financial aid staff will determine scholarship award amounts.

Q: Is there a GPA requirement to maintain the scholarship while I am enrolled at Holy Cross College?
A: Yes. André Award winners are expected to maintain a minimum 3.0 cumulative GPA, and Moreau Award winners are expected to maintain a minimum 3.3 cumulative GPA. If your GPA drops below the minimum, your award is subject to being reduced or removed until your GPA meets minimum requirements once more.

Q: For what other reasons could my scholarship award be adjusted?
A: The Office of Financial Aid reserves the right to adjust any Holy Cross College scholarship according to its policies. For example, the award could be adjusted if information is received (new outside scholarships, updated FAFSA, etc.) that requires an updated financial aid award letter. Also, the initial Signature Scholarship award is offered based on your intended housing preference (on-campus or off-campus). Your award is subject to change if your housing preference changes for the upcoming semester or for future semesters.

The Signature Scholarships

Bl. Basil Moreau Award

Basil Moreau, a young priest and professor of Philosophy and Theology in post-revolutionary France, founded the Congregation of Holy Cross when he merged a group of “auxiliary priests” with the Brothers of St. Joseph in 1837. He sent his priests and brothers across France, and indeed the world, to revitalize the Church, educate young people, and make God known, loved, and served. At the direction of Father Moreau, Father Edward Sorin and six Holy Cross Brothers traveled from France to northern Indiana to found the University of Notre Dame in 1842. Today, the Congregation of Holy Cross oversees several colleges across the United States, including Holy Cross College. True to Moreau’s vision, Holy Cross schools around the world adopt a model of Christian education that is holistic, educating the heart and mind. Bl. Basil Moreau was beatified by Pope Benedict in 2007 in Le Mans, France.

To honor Bl. Basil Moreau, this award recognizes students whose academic achievements and zeal for seeking the truth will strengthen the classroom experience for all Holy Cross College students.

St. André Bessette Award

As a Holy Cross Brother, André Bessette lived an exemplary life of faith, hope, and charity. A simple man with little formal education, Br. André was assigned the position of doorkeeper at Notre Dame College in Montreal. Visitors began flocking to Br. André after his ministry to the afflicted and suffering resulted in miraculous healing at the intercession of St. Joseph. Because of his great love for Christ and St. Joseph, he oversaw the construction of the Oratory of St. Joseph, which continues to be a place for prayer, healing, and conversion of heart, not just for the people of Montreal, but also for pilgrims who visit it from all over the world. St. André Bessette, a humble servant of the Church, became the Congregation of Holy Cross’s first saint when he was canonized by Pope Benedict XVI in 2010.

In the spirit of St. André, this award recognizes students whose dedication to faith and service will uniquely strengthen the identity of Holy Cross College as a Catholic institution. St. André Scholars are expected to be active members of the campus community, serving as models of faith and charity, while they themselves are formed as Christians called to holiness.

Portions of biographies taken from

T.J. Mannen

Admissions Counselor
Visit Coordinator
Phone: 574-239-8400


  • Indiana (northwest counties, including Kokomo, Gary, and Michigan City), St. Joseph County public schools

Tuition Payment Plans

Holy Cross College has collaborated with Nelnet and Notre Dame Federal Credit Union (NDFCU) to provide semesterly payment plans for students. Using a payment plan allows students to cover their semester bill by making monthly installments over the semester. Payment plans are only for one semester at a time. A nonrefundable enrollment fee is required to set up a payment plan for each semester. The nonrefundable enrollment fee and the down payment are due at the time the plan is set up.

Sign Up With Nelnet

To sign up for a Nelnet payment plan, click the picture below.

Sign Up With NDFCU

To sign up for a payment plan with Notre Dame Federal Credit Union, click the picture below.

Payment Plans Schedule

Fall 2018 Semester

  • Payment plan registration opens April 6, 2018.
  • Payments are processed on the 5th of each month.
Last Day to Enroll Required Down Payment Number of Payments Months of Payments
June 23, 2018 10% 5 July through November
July 26, 2018 30% 4 August through November
August 24, 2018 40% 3 September through November
September 26, 2018 50% 2 October through November

Spring 2019 Semester

  • Payment plan registration opens October 12, 2018.
  • Payments are processed on the 5th of each month.
Last Day to Enroll Required Down Payment Number of Payments Months of Payments
November 23, 2018 10% 5 December through April
November 24, 2018 20% 5 December through April
December 23, 2018 30% 4 January through April
January 22, 2019 40% 3 February through April


For more information, please contact the Buisness Office located in Driscoll Hall 103.

Dorene Muszer

Tel: (574) 239-8403
Fax: (574) 239-8324

Maureen McDonald
Tel: (574) 239-8352
Fax: (574) 239-8324

Welcome Saint Joseph’s College Students!

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Become a Saint: Forever a Puma

Holy Cross College extends an invitation for you to bring your Puma Pride with you to our campus to continue your education. During this difficult time our staff is committed to providing you with the support you need to explore completing your degree with us and graduate on time. As partners in Catholic education, Holy Cross College offers you the ability to stay involved with your faith for life as you continue your holistic education in the tradition of the Congregation of Holy Cross.

You’ll work closely with our Associate Director of Admissions, Adam DeBeck, a 2006 Saint Joseph’s College graduate, to navigate your next steps. Interested Pumas are encouraged to submit their free transfer application to get started.

Welcome SJC Students!

Our Promises

For Pumas Interested in Becoming Saints

Holy Cross is proud to be able to offer the following promises to Saint Joseph’s College students:

  • Freshman Scholarship Consideration: Scholarships that recognize your unique situation to ensure you are treated as if you started your education at Holy Cross. Scholarship amounts range from $6,000 – $16,000 for students based on your cumulative college GPA (see All About Transferring for scholarship details).
  • Generous Transfer Credit Acceptance: Students with above a 2.0 cumulative GPA can be assured if their credits earned counted towards your Saint Joseph’s graduation requirements, Holy Cross will accept them as transfer credits for your Holy Cross bachelor’s degree (pending HLC approval).
  • Core Courses Accepted for HC Equivalencies: Your work in Core I through Core IX will exempt you from comparable Holy Cross core coursework. Students will still have access to enroll in experiential courses that provide opportunities for international travel and professional internships using the Holy Cross College network.
  • Immediate Access to Tri-Campus Community: Holy Cross students are eligible to access the academic, social, and spiritual resources on our neighboring campuses of the University of Notre Dame and Saint Mary’s College.

*These promises require enrollment in one semester of enrollment in at least 12 academic credit hours. Individual circumstances can be reviewed by the Vice President of Academic Affairs, Dr. Justin Watson, or the Registrar, Hiroko Harrison, for personal advising on how Holy Cross can play a part in completing your bachelor’s degree.

Please see the Contact Info section if you have questions for Adam, Hiroko, or Dr. Watson.

These offers are available only to Saint Joseph’s students who apply to begin study at Holy Cross College in the 2017-2018 academic year.

campus and nd from the west

Why Holy Cross?

Why Should You Transfer to Holy Cross?

You’ll always be a Puma, but there’s a place for you at Holy Cross. We’re a small, residential, Catholic campus similar in many ways to Saint Joseph’s College. Like Saint Joseph’s, it’s the people who make Holy Cross unlike most other college campuses. We hope you’ll bring your Puma Pride to Notre Dame, IN, where you’ll find many comparable academic programs, student life clubs, and a focus on holistic, faith-based education.

Students in the fall

Not only will Holy Cross welcome your gifts and talents to our community, but the entire zip code of 46556 – Notre Dame, IN – is excited to have you join students from across the country and world to make our community your new home. Full time students with a Holy Cross student ID will have access to activities on all three campuses including: Notre Dame Season football/basketball ticket purchase opportunity, membership in the University of Notre Dame marching band and/or the HC Dawgpound pep band, vibrant campus ministry programs on all three campuses, and leadership in a variety of clubs and student organizations.

All About Transferring

Apply Now

Let Us Help You!

Acceptance to Holy Cross is contingent upon application via the free transfer application. If you have questions, call Admissions at (574) 239-8400, and an admission representative can help guide you through our expedited transfer process.

There are a number of merit scholarships available for students transferring from Saint Joseph’s College:

Scholarship SJC GPA Annual Award
Driscoll Society Trustee Scholarship 3.5+ $15,000 – $16,000
Driscoll Society Presidential Scholarship 3.0 – 3.49 $14,000
Driscoll Society Scholarship 2.5– 2.99 $12,00 – $13,000
Holy Cross Annual Fund Achievement Award > 2.5 $6,500

Add the Holy Cross College school code to your FAFSA – 007263 for immediate review of your financial aid upon acceptance to Holy Cross.

Saints Athletics

Would You Like To Play Sports at Holy Cross College?

We are always looking to add individuals of high character and athletic ability to our NAIA teams. Our athletic department endorses and supports the college’s mission to transform lives by developing students in mind, body and spirit. We strive for excellence in our programs and focus on athletic success, while encouraging academic achievement, spiritual maturity and social growth.

Contact Saints Athletics to get started.

athletics banner vertical smaller

Learn more about our eight NAIA teams:
Men’s Golf
Women’s Golf
Men’s Soccer
Women’s Soccer
Men’s Basketball
Women’s Basketball


Men’s Tennis
Women’s Tennis

Contact Info

Adam DeBeck, Senior Associate Director of Admissions

Adam DeBeck
Phone: 574-239-8338
Holy Cross College
54515 Indiana State Road 933 N.
P.O. Box 308
Notre Dame, IN 46556

Hiroko Harrison, Registrar

Justin Watson, Ph.D., Vice President for Academic Affairs

Jen Kau

Assistant Director of Admissions
Phone: 574-239-8400


  • Delaware, Maryland, Michigan, New Jersey, New York, Pennsylvania, Virginia, Washington DC, West Virginia, International Students, Transfer Students


  • Bachelor of Arts in Sociology and Film, Television, & Theater; University of Notre Dame – Notre Dame, IN
  • Master of Education in Higher Education Administration; University of Virginia – Charlottesville, VA

Fredericksburg, VA

Endorse an Applicant

Call out to our amazing alumni!

Know a student who would excel as a Saint?

As an alumni or current student, you have the opportunity to endorse the application of a high school senior who is interested in Holy Cross. By completing the form below, you’re telling the admission committee that you support this student’s candidacy.

Tell us what is so special about them, why they’d be a good fit, and why you’re endorsing them by completing the form below. If they are not already on our mailing list, we'll add them and let them know about your endorsement.

Fields marked with an asterisk are required.

Your First Name*

Your Last Name*

Your Graduation Year*

Your Street Address*

Your City*

Your State*

Your Zip Code*

Your Email Address*

Tell us about the student you are endorsing

First Name*

Last Name*

Street Address*



Zip Code*

Phone Number*

Email Address

Year of High School Graduation*

High School


Non-Payment of Tuition

Enrollment constitutes a financial contract between the enrolled student and Holy Cross College. Tuition is due August 1st for the Fall term and January 1st for the Spring term.

If the student has a balance remaining on his/her account by the first day of class, the balance must be paid by the last day of drop/add or the student’s schedule will be dropped and they will be dismissed from the college.

An extension may be granted for the following exceptions:

  • Student was flagged for verification and they have provided all the information that they can to Financial Aid but the verification is not finalized; or
  • Student has applied for a private loan but it has not been disbursed yet. MUST provide documentation or verification to Financial Aid that the loan is approved and being processed; or
  • Parent has applied for the Plus loan and is waiting for approval or denial; or
  • Student has applied for a payment plan through Notre Dame Federal Credit Union and is waiting for verification of the amount and approval from Holy Cross College; or
  • Student committed to attend Holy Cross College after August 1 and makes request for extension of payment arrangements.

Students must request an extension with the Bursar or the Director of Financial Aid no later than the first day of classes.  Extensions are not guaranteed and will be granted at the discretion of the VP of Administration.

Withdrawal and Return of Title IV Funds (R2T4) Policy

How a withdrawal affects financial aid

Federal regulations require Title IV financial aid funds to be awarded under the assumption that a student will attend the institution for the entire period in which federal assistance was awarded. When a student withdraws from all courses for any reason, including medical withdrawals, he/she may no longer be eligible for the full amount of Title IV funds that he/she was originally scheduled to receive. The return of funds is based upon the premise that students earn their financial aid in proportion to the amount of time in which they are enrolled. A pro-rated schedule is used to determine the amount of federal student aid funds he/she will have earned at the time of the withdrawal. Thus, a student who withdraws in the second week of classes has earned less of his/her financial aid than a student who withdraws in the seventh week. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any funds.

Federal law requires schools to calculate how much federal financial aid a student has earned if that student:

  • completely withdraws or
  • stops attending before completing the semester

Based on this calculation, Holy Cross College students who receive federal financial aid and do not complete their classes during a semester or term could be responsible for repaying a portion of the aid they received.

The following policies will help you to understand that a withdrawal potentially affects students academically as well as financially. We encourage students to read all the information below prior to making a final decision.

How the earned financial aid is calculated

Students who receive federal financial aid must “earn” the aid they receive by staying enrolled in classes. The amount of federal financial aid assistance the student earns is on a pro-rated basis. Students who withdraw or do not complete all registered classes during the semester may be required to return some of the financial aid they were awarded.

Institutions are required to determine the percentage of Title IV aid “earned” by the student and to return the unearned portion to the appropriate aid programs. The school must return the funds within 45 days of the calculation.

For example, if a student completes 30% of the payment period, they earn 30% of the aid they were originally scheduled to receive. This means that 70% of the scheduled awards remain “unearned” and must be returned to the federal government. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any federal funds.

The following formula is used to determine the percentage of unearned aid that has to be returned to the federal government:

  • The percent earned is equal to the number of calendar days completed up to the withdrawal date, divided by the total calendar days in the payment period (less any scheduled breaks that are at least 5 days long).
  • The payment period is the entire semester.
  • The percent unearned is equal to 100% minus the percent earned.

Steps in the return of Title IV funds policy

Step 1: Student’s Title IV information

The financial aid office will determine:

  1. The total amount of Title IV aid disbursed for the semester in which the student withdrew. A student’s Title IV aid is counted as aid disbursed in the calculation if it has been applied to the student’s account on or before the date the student withdrew.
  1. The total amount of Title IV aid disbursed plus the Title IV aid that could have been disbursed for the semester in which the student withdrew.

Step 2: Percentage of Title IV aid earned

The financial aid office will calculate the percentage of Title IV aid earned as follows:

The number of calendar days completed by the student divided by the total number of calendar days in the semester in which the student withdrew. The total number of calendar days in a semester shall exclude any scheduled breaks of more than five days.

Days Attended ÷ Days in Enrollment Period = Percentage Completed

If the calculated percentage completed exceeds 60%, then the student has “earned” all the Title IV aid for the enrollment period.

Step 3: Amount of Title IV aid earned by the student

The financial aid office will calculate the amount of Title IV aid earned as follows:

The percentage of Title IV aid earned (Step 2) multiplied by the total amount of Title IV aid disbursed or that could have been disbursed for the term in which the student withdrew (Step 1-A). Total Aid Disbursed x Percentage Completed = Earned Aid

Step 4: Amount of Title IV aid to be disbursed or returned

  • If the aid already disbursed equals the earned aid, no further action is required.
  • If the aid already disbursed is greater than the earned aid, the difference must be returned to the appropriate Title IV aid program.

Total Disbursed Aid Earned Aid = Unearned Aid to be Returned

  • If the aid already disbursed is less than the earned aid, then the financial aid office will calculate a post-withdrawal disbursement.

Determination of the withdrawal date

The withdrawal date used in the return calculation of a student’s federal financial aid is determined by the registrar. If a student stops attending classes without notifying the college, the withdrawal date will be the last date of academic activity determined by Holy Cross. Additional documentation supporting the last date of academic activity may be provided by the student if they verify a later date of attendance than determined by Holy Cross.

Withdrawing prior to completing 60% of a term

Unless a student completes 60% of the term in which federal aid was disbursed, the student will be required to return all or part of the financial aid disbursed in the term. This applies to students who have officially (including medical), or unofficially withdrawn.

When a student fails to begin attendance

If a student receives financial aid, but never attends classes, the financial aid office must return all disbursed funds to the respective federal and institutional aid programs.

When a student fails to earn a passing grade in any class

If the student has not completely withdrawn but has failed to earn a passing grade in at least one class for the term, federal regulations require the school to determine whether the student established eligibility for financial aid. Eligibility is based on if the student attended at least one class or participated in any Holy Cross College academic-related activity. All disbursed funds must be returned to the respective federal and institutional aid programs if the student cannot prove that he/she began attendance.

If the student can prove to have participated in a Holy Cross class or academic-related activity past the 60% date, the student will not be required to return any disbursed financial aid. The student’s bursar account will be updated and the student will be responsible for any other charges that may have been applied to their account.

Students who are able to verify attendance beyond Holy Cross’s records may submit supporting documentation to the financial aid office. The student must submit supporting documentation within 30 days from the last date of the term. Recalculations for aid eligibility will not be performed for documentation received after that date.

Student notification of repayment

A notification letter outlining the amount returned to the federal and institutional program(s) along with the federal government’s repayment worksheet will be mailed to the student’s permanent address. Holy Cross will return funds on the student’s behalf to the appropriate federal and institutional aid program(s) and subsequently will bill the student’s account. A statement reflecting these charges will be sent to the student. The student is responsible for all charges and overpayments resulting from a Return of Title IV calculation.

Repayment to federal and institutional aid programs

Federal regulations and Institutional policy require that the following aid programs be subject to the repayment calculation if the student did not attend 60% of the term:

  • Federal Direct Loans: Unsubsidized and Subsidized
  • Federal Perkins Loans
  • Federal Direct Parent PLUS Loans
  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant (FSEOG)
  • TEACH Grant
  • Institutional Grants and Scholarships

Overpayment of federal grant funds

Federal regulations provide that 50% of the unearned amount of all federal grants is protected by the federal calculation. Any grant amount subject to repayment will be billed to the student’s bursar account as an overpayment. Upon receipt of payment from the student, Holy Cross will return the funds to the appropriate grant program(s).

Additional loan information to consider when withdrawing from any class

Anytime a student is enrolled less than part-time the grace period begins. The student’s grace period for loan repayments for Federal Direct Unsubsidized and Subsidized Loans will begin on the day of the withdrawal from the school. If the student is not enrolled part-time for more than 6 months, the loans will go into repayment. The student must contact the U.S. Department of Education (ED) or his/ her lender(s) to make payment arrangements. Any questions regarding a student’s grace period or repayment status should be directed to his/her lender.

School and student responsibility for return of unearned federal funds

The student and the school are both responsible for returning unearned federal financial aid to the federal government. The student will be billed for any amount due as a result of the return of federal aid funds (R2T4) calculation.

Consequences of non-repayment

If a student does not repay the grant funds that are owed to the government within 45 days, the account will be turned over to the U.S. Department of Education (ED) as an overpayment of federal funds. Students who owe an overpayment of Title IV funds are ineligible for further disbursements from federal financial aid programs at any institution until the overpayment is paid in full or payment arrangements are made with the U.S. Department of Education.

If a student does not pay funds due to Holy Cross to cover their balance, the student’s records will be placed on financial hold. This means he/she will not be permitted to register for classes or receive transcripts until the balance is paid.

School responsibilities in regard to the R2T4 policy & process
(Holy Cross College’s responsibilities in regard to the Return of Title IV funds)

  1. Providing each student with the information given in this policy;
  2. Identifying students affected by this policy and completing the Return of Title IV Funds (R2T4) calculation;
  3. Informing the student of the result of the R2T4 calculation and any balance owed to Holy Cross as a result of a required return of funds;
  4. Returning any unearned Title IV aid that is due to the Title IV programs and, if applicable, notifying the borrower’s holder of federal loan funds of the student’s withdrawal date;
  5. Notifying student and/or Plus borrower of eligibility for a Post-Withdraw Disbursement, if applicable.