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Federal Title IV Authorization
Federal student aid regulations require that Federal Title IV funds are used for authorized allowable educationally-related charges such as tuition, mandatory fees, room and board (if living on campus) and up to $200 of prior-year institutional charges.
Allowable charges that can be paid by Title IV aid include tuition, mandatory fees, room and board. Charges that are non-allowable but can be paid by Title IV money with authorization include but are not limited to fees such as health insurance, parking, bookstore vouchers, miscellaneous fees, etc. Non-allowable charges that can never be paid by Title IV aid, even with authorization include late fees, certain fines and penalties, and payment plan fees.
If you do not authorize the use of Federal funds to pay non-allowable, educationally-related charges, you will be responsible to pay for the balance; failure to pay the balance may result in a $200 late fee and/or a financial hold preventing future registration.
Types of Federal Title IV Funds
- Federal PELL Grants
- Federal Supplemental Educational Opportunity Grant (FSEOG)
- Federal Work-Study Grants
- Federal Direct Subsidized Loans
- Federal Direct Unsubsidized Loans
- Federal Direct PLUS Loans
Title IV Allowable Educationally-Related Charges
- Tuition
- Mandatory fees
- Room & Board, if living on-campus
Non-Allowable, Educationally-Related Charges
- Student medical insurance
- Library or parking fines
- Parking charges
- Bookstore vouchers
- Other non-allowable charges other than tuition, fees, room and board (if living on –campus)
Title IV Calculation Example When an Authorization is Accepted or Declined
| If You Accept Authorization | |
| Tuition and Fees | $ 8,388 |
| Parking Fee | $ 213 |
| Book Advance | $ 400 |
| Total Charges | $ 9,001 |
| Federal Subsidized Loan | $ 3,500 |
| Federal Unsubsidized Loan | $ 2,500 |
| Federal Pell | $ 3,550 |
| Total Title IV Aid | $ 9,550 |
| Student would get a refund of $549 ($9,550 – $9,001) Student’s balance would be zero and no further action is needed |
|
| If You Decline Authorization | |
| Tuition and Fees | $ 8,388 |
| Parking Fee | $ 213 |
| Book Advance | $ 400 |
| Total Allowable Institutional Charges | $ 8,388 |
| Total Non-Allowable Charges | $ 613 |
| Federal Subsidized Loan | $ 3,500 |
| Federal Unsubsidized Loan | $ 2,500 |
| Federal Pell | $ 3,550 |
| Total Title IV Aid | $ 9,550 |
| Student would get a refund of $1,162 ($9,550 – $8,388) Student’s balance due after refund would be $613 (amount of non-allowable charges) and is due immediately. Student would have registration hold and/or late fee until paid |
|
Authorization Process
Authorization to pay non-allowable charges is voluntary. Enrolled students with a valid FAFSA on file will be notified via email from the Financial Aid Office to complete the Title IV Authorization process. The process includes accepting or declining the online Title IV Authorization question on the student’s MyRamapo portal. If authorized, only then the Office of Student Accounts will apply Title IV funds to non-allowable, educationally-related charges accordingly. The authorization will be effective for the duration of student’s enrollment at Ramapo College; however, student can change or rescind it at any time. Any modification or cancellation of the Title IV Authorization will be effective on the date it is received by the Office of Student Accounts and is not retroactive.
Please use the following step-by-step instructions to comple the authorization question:
Rescinding the Authorization
If, after providing the Title IV Authorization, you wish to rescind or modify your Authorization choice, you must complete the Federal Title IV Authorization Form (pdf) and select the statement related to cancelling your prior authorization provided. The charges no longer paid by the Title IV funds will need to be paid by the posted deadline in-full or via an authorized payment arrangement (where applicable).
Future unpaid charges may result in late payment fees of $200 and/or a financial hold being placed on the student’s account preventing registration and release of your diploma as per College policy.
Frequently Asked Questions
What is Title IV financial aid?
Title IV financial aid is Federally funded aid such as Federal Pell Grant, Federal Supplemental Educational Opportunity Grant (SEOG), Federal Direct Subsidized and Unsubsidized Loans, and Federal Direct PLUS loans.
How are Title IV funds applied to my student account?
The U.S. Department of Education requires that Title IV funds be applied only to allowable educationally-related charges. Allowable educationally related charges include: Tuition, mandatory fees, and room and board (for on-campus students).
What is the purpose of the Title IV authorization form?
Ramapo College, in compliance with federal regulations, must obtain the voluntary permission from the student to apply Federal financial aid proceeds to pay for charges (up to $200) related to a prior semester, or non-allowable, educationally-related charges such as health insurance, parking, bookstore charges, miscellaneous fees, etc.
What are some examples of non-allowable, educationally-related charges?
Non-allowable, educationally-related charges include, but are not limited to, items not related to taking courses such as student medical insurance, parking charges, bookstore vouchers, housing damages, etc. These charges require authorization before Title IV financial aid can pay them.
Is the Title IV authorization applicable to other aid like scholarships?
No, other aid like institutional or donor-sponsored scholarships do not have a restriction and can pay any applicable charge the scholarship is intended to pay.
How do I complete the Title IV Authorization Questions for Federal Title IV Financial Aid Funds?
Step-by-step instructions on how to complete the Title IV authorization can be found on the OSA website.
So how will this affect my account if I DO authorize Ramapo College to apply excess federal Title IV financial aid to non-allowable, educationally-related charges and prior year charges?
If you accept, all non-allowable, educationally-related charges on your student account for the current semester are available to be paid by these funds with the exception of late fees and payment plan fees, as regulations do not allow the use of federal funds to pay for those charges. Any funds in excess of your account balance will be refunded to you per the normal refund policy. As far as previous-year institutional charges, all charges (except late fees and payment plan fees) up to $200 on your student account for the previous year are available to be paid by Title IV funds. Any amount over $200 cannot be paid by Title IV funds and the student is responsible to pay them with other funds.
So how will this affect my account if I DO NOT authorize Ramapo College to apply excess federal Title IV financial aid to non-allowable, educationally-related charges other than tuition, mandatory fees, or room and board (if I am living on-campus)?
If you decline, then Title IV aid will only pay current tuition, fees, room and board. Other non-allowable, educationally related charges such as parking fees, fines and certain residence life charges, book advances, and health insurance fees will remain unpaid. You will have to pay these charges out-of-pocket with your own funds, they will not simply go away. These unpaid charges can result in a $200 late fee and/or a financial hold on your account that would prevent you from registering for classes. Students will be responsible for paying those remaining fees by the Office of Student Accounts published deadlines.
Do I need to sign a new authorization form each semester?
No, by accepting/declining this online authorization, you are granting the College authorization to comply with your response while you are a student at the College, including breaks in enrollment. You may cancel or modify your authorization at any time. A cancellation or modification is not retroactive and will take effect on the date it is received by the Office of Student Accounts.
Is there a deadline to complete the Title IV Authorization Questions?
No. Any authorization you provide is valid from that point forward, unless you rescind it.
How do I cancel or change my Authorization of Title IV?
If after providing your Authorization of Title IV, you wish to cancel or modify your Authorization choice, you must complete the Federal Title IV Authorization Form and submit it to the Office of Student Accounts.
By Mail:
Office of Student Accounts
505 Ramapo Valley Road
Mahwah, NJ 07430
By Email:
In Person:
Office of Student Accounts
Academic Building D
1st Floor Room 128
Can you show me an example of how my decision to accept or decline the authorization can affect my account?
If you accept:
Tuition $8,388
Course Fees: $375
Parking $100
Health Insurance Fee – $1,467
Total Charges: $10,330
Federal Sub Loan – $5,500
Federal Unsub Loan – $2,000
Federal Pell Grant – $3,173
Federal SEOG Grant – $500
Total Title IV Aid – $11,173
Student would get a refund of $843 (10,330 – 11,173)
Student’s balance after refund would be $0.
If you decline:
Tuition $8,388
Course Fees $375
Total Institutional Charges $8,763
Parking $100
Health Insurance Fee $1,467
Total “Other Allowable Educationally Related Charges” $1,567
Federal Sub Loan – $5,500
Federal Unsub Loan – $2,000
Federal Pell Grant – $3,173
Federal SEOG Grant – $500
Total Title IV Aid – $11,173
Student would get a refund of $2,410 (8,763 – 11,173)
Student’s balance after refund would be $1,567 and due immediately. Students who decline will be subject to late fees and/or financial holds preventing registration placed on their accounts until their other allowable educationally related charges are paid.
505 Ramapo Valley Road
Mahwah, NJ 07430
p: 201-684-7500
e: information@ramapo.edu
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