« Financial Aid

FAQs

Hamilton Application FAQ’s

Hamilton Application Answers

Q:How do I apply for financial aid at Gordon-Conwell?

A:

Do two things:

  1. Complete a Free Application for Federal Student Aid (FAFSA). Submit it online at https://fafsa.gov/. 
  2. Complete a Gordon-Conwell Financial Aid Application for your campus. Return the Financial Aid Application to the Financial Aid Office in Hamilton by mail, email or fax.  Find the application on the GCTS website: go to the Financial Aid tab, select your campus, and go to the Applying for Financial Aid page.

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Q:How long will it take for my Financial Aid Application to be processed?
A:

If you submit you FAFSA and Gordon-Conwell Financial Aid Application by the priority May deadline, you should receive an award letter in early to mid-June. The award will be emailed to your Gordon-Conwell email address.

If there is an issue with your application, the Financial Aid Office will be in touch. If they need something from you (such as more information or a FAFSA correction), be sure to follow through. Not answering will delay your award.

If you have submitted the FAFSA and GCTS Financial Application and do not receive an award by July 1st, contact the Financial Aid office.

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Q:I applied for admission to Gordon-Conwell and haven’t been accepted yet. I also applied for financial aid. When will I receive a financial aid award?
A:

We are delighted that you applied to Gordon-Conwell. We will monitor your status and send your financial aid award to you after you are admitted and decide to attend. 

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Q:If I’m a certificate or visiting student, does that change my financial aid options?
A:

Yes. A student must be in a degree-seeking (M.A., M.Div. or Th.M.) program to be eligible for financial aid. Visiting students or students in a diploma, certificate, or D.Min program are not eligible for financial aid.

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Q:How should I keep track of my correspondence and records?
A:

Keep track of your financial aid. Designate a file and keep paper or electronic copies of your

  • GCTS award letters
  • completed Award Acceptance Statements
  • scholarship agreements and
  • Student Activity Reports (SARs) that you receive after submitting your FAFSA.

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Q:What can delay my financial aid award?
A:

Your financial aid award can be delayed by

  • Incomplete information on your FAFSA or GCTS Financial Aid Application
  • Not responding to a request for more information or correction to your FAFSA from the Financial Aid Office
  • Not checking your Gordon-Conwell email for messages from the Financial Aid Office
  • Not returning a scholarship renewal form
  • Not completing Partnership Program requirements
  • Not returning the Award Acceptance Statement from your award.

Reach out to the Financial Aid Office of you have questions or to check on your award.

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Q:What can I use a federal student loan to pay for?
A:

Federal student loans are designed to help you pay for the cost of school. So tuition, books, school fees, and living expenses are legitimate uses of student loan money.

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Q:If I take out a federal student loan, when do I get the money?
A:

Your loan is timed to coincide with the end of the Add/Drop period which is within the first three weeks of the semester.

The Financial Aid Office will email you to let you know that your student loan has been posted to your student account.

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Q:Are there academic requirements for financial aid?
A:

Yes, you must meet two ongoing requirements in order to receive federal student loans. Together, they are called “Satisfaction Academic Progress”.

  1. You must meet the minimum GPA required for your degree program  AND
  2. You must succesfully complete at least 67% of the credits you attempt. Successfully completed means a grade of A, B, C, or D for a typical class or P for a course graded on a Pass/Fail basis. Classes for which you receive a “W” are also included in this calculation.

Reach out to the Financial Aid Office is you are concerned about Satisfactory Academic Progress.

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Q:How is financial aid applied to my student account?
A:

Financial aid is electronically posted to your student account. Loan funds arrive by Electronic Funds Transfer (EFT) and are posted to your account the same week they arrive. Grant and scholarship funds are posted to your account in the 4th week of the semester. Before any funds are applied to your student account, a series of eligibility checks determine whether you still meet the criteria to receive them.

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Q:Who do I talk to about my bill or my student account?
A:

Contact the Student Billing office in Financial Services at (978) 646-4049 or [email protected] (Note: this is not the Financial Aid office.)

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Hamilton Loan FAQ’s

Hamilton Loan Answers

Q:How do I know how much I need?
A:

Begin by estimating your budget for the school year. Costs vary widely by campus and program and depend on each student’s pace of study. You should consider at least the following expenses in estimating your budget:

  • Tuition
  • Living costs, such as Room and Board
  • Books
  • Travel, Health Insurance and other miscellaneous costs

Compare the cost of your program with incoming resources from at least the following:

  • Work
  • Family
  • Church
  • Other sources

The amount that remains is your financial need. Consider your options to reduce this need, e.g. reducing living expenses, increasing income from work, seeking additional outside support and/or accepting all or part of your financial aid award.

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Q:What if I don’t want the full amount offered in the Award Package?
A:

You may reduce or cancel any part of your financial aid package. You may have been offered more loan money than you want or need. Simply enter the reduced amount you want to accept.

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Q:What if I decline all or part of my loan award now but then later decide that I need it?
A:

You may reapply for loans later if you still meet the eligibility requirements. Contact the Financial Aid Office.

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Q:Should I borrow the maximum amount? What choice do I have?
A:

You are encouraged to borrow the minimum that you need. Many GCTS students take steps to avoid or minimize borrowing, including:

  • Full or part-time work
  • Studying part-time
  • Obtaining support from churches, family, friends, organizations, etc.
  • Choosing a simple, low-cost lifestyle while at GCTS
  • Coordinating work and study with a spouse

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Q:What is the “Indebtedness Policy” at GCTS?
A:

The Seminary sets a limit of $40,000 for individual student educational indebtedness, including debt incurred at previous schools you have attended. If a student New or Returning is nearing or has exceeded a Federal Student Loan debt of $40,000, they are sent a notice stating they must write a letter to the Debt Committee that reviews their plan for further borrowing and plans to make future repayment in light of salary expectations. The Financial Aid Debt Committee will evaluate all future borrowing requests which would take an individual above this $40,000 limit. (Note: this limit is extended to $45,000 if the student is graduating within the academic year.) Most requests are approved; however, if the Debt Committee has concerns after your initial letter has been reviewed, a meeting may be requested with the Director of Student Financial Services.

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Q:Do I need to sign a Federal Direct Loan Promissory Note (MPN)?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete a new Direct Loan master promissory note. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov.

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Q:Am I required to complete a Direct Loan ENTRANCE Counseling tutorial online?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete an Entrance Counseling tutorial online. You will need your FAFSA pin number to access your account at www.studentloans.gov. Once completed online, the Financial Aid office requests a copy of the confirmation page sent to GCTS to include with your Financial Aid file documents.

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Q:Am I required to complete a Direct Loan EXIT Counseling tutorial online?
A:

When a GCTS student Federal loan borrower has dropped below half-time status, withdrawn, takes a leave of absence or graduates, the Federal Government regulates that they must complete an online Exit Counseling tutorial. GCTS takes compliance with this regulation seriously and will not honor official transcript requests or give out a diploma until this requirement is completed. You will need your FAFSA pin number to access your account at www.studentloans.gov.

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Q:Are loans available for Summer Semesters or is it considered part of Spring Semester for financial aid purposes?
A:

  In general, students are awarded only for FALL/SPRING semesters. The Financial Aid Office does not automatically award summer loans. Summer loans are by request of the student and are considered either headers or trailers to a school year. If you need a summer loan, you will need to have a completed FAFSA and GCTS form for that year. If you have remaining loan eligibility for the current year, you may request a summer loan within the current academic year. If you have already maxed out your sub/unsub Stafford eligibility for the current year, a FAFSA and GCTS must be completed for the next school year. In this case, a summer loan would have to be a header to the next academic year. Whatever you are awarded for the summer in loans will reduce your overall maximum loan eligibility for the following fall/spring. The total amount of Stafford subsidized/unsubsidized loan in any academic year a graduate student may receive is $20,500.

Any student who wants a summer loan may contact the Financial Aid Office come April or thereafter. As long as the 2011-12 FAFSA and GCTS form are in, we can determine the loan award you are eligible for in the summer. Disbursement will not be until after the summer session begins. No loans may be processed after the last day of class for the summer session they are requesting a loan for.

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Q:What is a Perkins loan?
A:

This is an additional federal loan program offering subsidized loans at a fixed low interest rate. These loans are offered to students with the highest costs and need as determined by the Financial Aid office. GCTS has a limited amount of Perkins loan it may award. For more information about Perkins Loans and interest rates, visit the Student Loans / SAP page.

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Q:What is a Direct Grad PLUS loan?
A:

This loan allows you to borrow up to the cost of attendance minus any financial aid you may be receiving. Cost of attendance includes tuition, room and board, books and other miscellaneous expense. The PLUS loan is based on your credit. These loans have a fixed rate. If eligible, you are strongly encouraged to take out the maximum amount of your subsidized and unsubsidized Stafford loans before considering a Grad PLUS loan. For more information about Perkins Loans and interest rates, visit the Student Loans / SAP page.

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Q:What is Federal Work Study and how do I get a Federal Work Study position?
A:

Certain GCTS jobs on and off campus are partially federally funded through the Federal Work Study Program. These jobs usually have flexible working hours and earnings count as financial aid. You first apply for financial aid. FWS eligibility is not indicated on a GCTS financial aid award. The reason is because it is not an amount that is applied to your student account. Rather, it is an amount you may earn at a GCTS eligible job, receive a paycheck and use it for your living expenses. Any time during the semester you may seek an on campus job by inquiring in the various departments. There is no central posting of open positions. (Please check with the Financial Aid office to see if you are eligible.)

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Q:Am I eligible for a Federal student loan if I do not have a bachelor’s degree?
A:

A student must possess a bachelor’s degree or have completed, at minimum, the equivalent of three previous years of full-time academic study in order to be eligible to receive Title IV funds. (These three years could include full-time study at Gordon-Conwell). Once you have completed three years of full-time academic study, then you may apply for and receive Federal student loans.

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Hamilton Scholarship FAQ’s

Hamilton Scholarship Answers

Q:Can the Graham, Trustee or Partnership scholarships be combined?
A:

You can only choose one special scholarship. For example, if you are offered the Trustee Grant or the Graham scholarship you can only choose one and not both. Furthermore, if you choose the Graham, Trustee or Partnership you may not combine that scholarship with any other Gordon-Conwell need-based scholarship. The only exception to this is the Jon and Lois Pierce Discipleship Scholarship. If you want to receive scholarships at GCTS go to our webpage on Scholarships and Grants.

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Q:Where can I find more information on the Graham Scholarship and Partnership Program?
A:

Information on these scholarships and others can be found here.

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Q:When and how are grants and scholarships paid?
A:

Most grants and scholarships are paid by the 4th week of the semester. Generally, funds are transferred directly into your student account and applied toward any outstanding balance. If you make changes to your enrollment after the 4th week of the semester, your grant may be adjusted based on the grant award rules that apply.

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Q:Can I use my grant or scholarship money to pay other expenses such as books and housing?
A:

No. Grants and scholarships are applied directly to your student account and pay toward the cost of tuition. If you have a credit on your student account and request a check for that amount (see below), then you may use the funds you receive to pay for books, living expenses, etc.

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Q:What if my grant or scholarship creates a credit on student account?
A:

If a grant or scholarship disbursement creates a credit on your student account, you may contact Student Financial Services and request a refund for that amount.

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Q:Is my grant or scholarship taxable?
A:

Possibly. If your grant or scholarship funds will exceed tuition and fees you should read Publication 970, “Scholarships and Fellowships” published by the Internal Revenue Service. This publication can be downloaded from the IRS website: www.irs.gov.

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Q:Can I receive more than one GCTS Institutional scholarship?
A:

Except for the Jon and Lois Pierce Scholarship, no other Institutional GCTS scholarship may be combined with another. If you were awarded one GCTS scholarship and then later awarded another, the higher of the two awards would supersede and be applied to your account.

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Q:What is Gordon-Conwell Need-based Grant Aid?
A:

If a student is not eligible for or applying for the Merit or Ministry Scholarships/Grants, there is the Gordon-Conwell Need-Based Grant Aid. Only full-time students, excluding Distance Semlink students, are eligible to receive it. (A full-time student must be taking at least 3 courses in the Fall and 3 in the Spring semesters.) This is a $100-300 off per three credit course. The amount is based on need as determined by the FAFSA and GCTS financial aid form. This Gordon Grant Aid cannot be combined with any other GCTS Scholarship or Grant other than the John and Lois Pierce Discipleship Scholarship. For information on each of the GCTS Scholarships/Grants, please review them listed on this page above.

Students who have not applied for or are not eligible for Merit or Ministry Scholarships/Grants and have submitted their FAFSA and GCTS financial aid form are automatically reviewed for the need-based Gordon-Conwell Need-based Grant. Should they be awarded this aid and subsequently get a Ministry Scholarship or Grant (other than the Pierce), it will replace the need-based Gordon Grant Aid.
 

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Hamilton Student Accounts FAQ’s

Hamilton Student Accounts Answers

Q:How do I view my bill and pay online?
A:

Click here for instructions.

Please note that we accept credit cards for: 

  • Student Account Payments (tuition, fees, etc.)
  • Application Fees
  • Doctor of Ministry Matriculation Deposits

Please note that we cannot accept credit cards for:  

  • Psych Testing Fees
  • Housing Application Fees
  • Housing Security Deposits
  • Rent Payments

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Q:I made a payment online, but I don’t see it on my student account. Why is this?
A:

There are a couple possibilities why your payment would not be showing up on your student account:

  • The payment has not yet been posted. Unfortunately, payment posting does not happen automatically. Our aim is always to have your payment posted on the next business day.
  • The incorrect drop-down option was chosen when making your online payment. If you do not choose your specific campus account (Hamilton Student Account, Charlotte Student Account…etc) on the payment screen, the payment will not go to the correct place. If you are not seeing your payment, please contact our office immediately. We can research your payment and take the appropriate actions to transfer the funds to your appropriate campus account.

Email: [email protected]

Phone: (978) 646-4049

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Q:I want to send a payment through the mail. Where should I send the check?
A:

Gordon Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

Note: Please do not send cash through the mail. Please only send checks, money orders and cashier’s checks.

Note: Please include your name and Student ID# on the memo line of the check to ensure that it goes to the correct account.

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Q:If a third party wants to make a payment toward my student account, what information do they need to include to make sure the payment is applied to my student account?
A:

If they are sending GCTS a check, they should include your name and ID number (either on an attached letter or on the check memo line). Please note that if the organization is paying more than you owe, they must give us written permission before we can release excess funds to you for your personal use. Please have the organization send the payment to the following address:

Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

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Q:If I have VA funds needing to be processed, whom should I contact?
A:

If you are a part of the Chapter 30 (Montgomery) GI Bill or Chapter 33 (Post 9/11) GI Bill, please contact Beth Isaac in the Registration Office. You may contact Beth by the following means:

E-mail
Phone: (978) 646-4021

If you are part of the Chapter 31 (VocRehab) GI Bill, AmeriCorps, GoArmyEd, MyCAA, or WAWF, please contact Jenna Lanoue in the Student Accounts Office. You may contact her by the following means:

E-mail
Phone: (978) 646-4045
Fax: (978) 646-4601

 

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Q:What will happen if I can’t pay in full by the last deadline?
A:

If you cannot pay in full by the last deadline, please contact the student accounts office to set up a personalized payment plan. Setting up and maintaining a payment plan will prevent your account from being sent to a collections agency.

E-mail
Phone: (978) 646-4049

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Q:My bill went to the wrong place. How can I change my billing address?
A:

You may change your billing address by logging into your CAMS Student Portal or by filling out a Change Address Request Form. We must have a signed request on file per FERPA regulations.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

Please note that if your bill goes to the wrong location, you are still held accountable to the payment deadlines as it is your responsibility to keep your billing address current. Furthermore, your bill is available online through your CAMs student portal.

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Q:How often are statements sent out?
A:

Our aim is to send statements before each payment deadline if there is an owed balance. Because of the magnitude of bills that we send out and the potential for postal delays, there is no specific time frame that we can guarantee receipt of bills. Because your balance can always be seen on the CAMS student portal, you are accountable for paying your balance by the deadlines even if you receive your bill later than you would prefer.

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Q:Why is my account on hold?
A:

If your account is on hold, you most likely have an unpaid balance. If you believe your account has been mistakenly put on hold, please contact our office. If we can verify that your account is paid in full, we can lift the hold for you immediately. Unfortunately, our system does not automatically lift a hold after a payment is made. It is a manual adjustment that we must make to your account, so please contact us if you have paid your account in full online and need your hold lifted immediately for registration purposes.

E-mail
Phone: (978) 646-4049

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Q:Why are there late fees on my account?
A:

If you received one or more late fees, you most likely missed one (or more) of the payment deadlines. Please see your specific campus’ Academic Calendar for the specific payment deadlines.

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Q:What is the student services fee?
A:

The student services fee is an administrative fee charged to all registered students. This fee helps to cover the cost of running the various offices at the Seminary (postage, paper, supplies…etc) and helps to provide our students with the services they enjoy throughout the seminary.

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Q:I would like someone else to have access to my student account. How can I give this person permission?
A:

Someone can access your account only if you have given us written permission for them to do so. If you would like someone to have regular access to your account, please come to the Cashier’s window to fill out our Account Access Form or fax/mail this form to the Student Accounts office.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

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Q:If I am expecting loans, when will the loans be visible on my account?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first FALL, SPRING or SUMMER semester loan disbursements are expected 2-3 weeks after classes begin. The Financial Aid office will send notification that the funds have been posted to your account. Please contact the Financial Aid Office at (978) 646-4058 if you have any additional questions.

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Q:When will I be able to withdraw the excess funds from my student account?
A:

GCTS Grants and Scholarships: Credits created from GCTS grants and scholarships will not be available for withdrawal until the first business day after the final add/drop date for each semester. Please do not request these funds until that time as we will not be able to process them. To request these funds, please call or email the Student Accounts office.

Federal Loans: Excess created by loans is available for withdrawal immediately after it has been disbursed to your student account. The Financial Aid office will notify you that the funds have been disbursed and provide a form for you to use when requesting to withdraw the excess funds.

Outside Funding: If you have a credit on your student account created by a payment made by an outside donor, you may request these funds at anytime, as long as we have a form on file from the donor permitting you to withdraw these excess funds for personal use.

Phone: (978) 646-4049
E-mail

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Q:Whom do I contact if I have a question about scholarships?
A:

It depends on the scholarship in which you are interested:

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Q:When can I set up a personalized payment plan?
A:

You may set up a personalized payment plan after the final semester deadline. Please note that setting up a payment plan will not remove the late fees that were placed on your account throughout the semester. Setting up and maintaining a payment plan prevents your account from being sent to collections. Please contact our Student Accounts Assistant at (978) 646-4049 to set up a personalized payment plan.

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Q:How do GCTS personalized payment plans typically work?
A:

The Gordon-Conwell policy is for payment plans to be complete within a year. We would divide your balance by 12 to determine how much you need to be paying monthly. Payments are due by the last day of every month. We do not accept advance payments (paying extra in January to cover February, too). We must see payments coming in every month in order for your plan to remain current. Defaulting on a payment plan (either by incomplete payment or non-payment) could result in your account being sent to a collections agency.

Please note if you miss one payment, you will receive a default letter. You may make up the payment by paying the current month’s payment and the missed month’s payment. If you miss two payments,  you will be sent to collections automatically.

Please note that if you are on a payment plan, you are not eligible to register for future courses, receive transcripts, or a diploma until the balance is paid in full.

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Q:Do I have to waive the student health insurance every semester?
A:

Students only need to waive the health insurance once per year. If you waive the insurance in the Fall, there is no need to waive the insurance in the Spring semester. For questions concerning health insurance, please contact the Student Life office by calling 978-646-4062.

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Q:Is there an ATM on the Hamilton campus?
A:

No. However, the Cashier’s window does allow students to cash checks up to $150 per day. If you need more than $150, please find an ATM at a local bank or establishment. You may not charge your credit card at the Cashier’s window to receive cash.

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Q:I am living on the Hamilton campus. Is there a place on campus where I can get quarters for laundry?
A:

You may request quarters at the Cashier’s window. We allow students to receive up to $30 worth of quarters per day. There is also a change machine next to the vending machines in the Great Room. Please note that we are not a bank and do not have a never-ending supply. If we do not have quarters available, please go to a local Laundromat or to your local bank.

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Q:Do I have a Gordon-Conwell e-mail account? I didn’t realize I had a Gordon-Conwell e-mail account.
A:

All students have a Gordon-Conwell e-mail address. It is important to check this account regularly or have it forwarded to a personal account as offices use this email to send important information to students. To access it, please follow these steps:

  1. Go to the main GCTS site
  2. Click on “Current Students”
  3. Click on “Webmail”
  4. Enter your email address, which is typically your first initial followed by your last name unless you have a common last name. Contact the IT help desk for details (see below).
  5. Enter your password, which, if you have not been accessed this before, should be your student ID number.

If you are still unable to access your e-mail, please contact the IT helpdesk:

Phone: (978) 646-4357
E-mail

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Q:Can books be charged to my student account?
A:

Please contact the Student Accounts office for more details about charging books to your student account. Depending on which campus you attend, there may be certain restrictions on the amount of excess you are required to have on your student account and the timeframe that you are permitted to charge books to your account.

Please call (978) 646-4049 to verify your loan amount before you charge books to your student account.

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Q:Why is the seminary charging a fee for the use of my credit card?
A:

Gordon Conwell Theological Seminary is committed to providing students and their families a range of options for paying their educational expenses. The credit card payment method is becoming prohibitively expensive because of the fees credit card companies charge GCTS. Therefore, a convenience fee will be added to all credit/debit card payments to offset the processing fee the seminary must pay to the credit card company.

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Q:If I use my debit card to pay my student account charges, will I be charged the convenience fee?
A:

 Yes. If you use your debit card like a credit card to pay your student account charges you will be charged the convenience fee.

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Q:Is there any way I can avoid paying a convenience fee?
A:

You can avoid paying the convenience fee by paying online with an electronic check (ACH). ACH will debit your checking or savings account and may be processed online using the CAMS Student Portal. You may also send a check to the Student Accounts Office in Kerr 321 or mail it to the address below:
GCTS
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
(Please remember to include your Student ID whenever you pay by check)
 

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Q:Are other graduate schools and universities charging a convenience fee for credit card transactions?
A:

Yes, an increasing number of schools are collecting convenience fees for credit/debit card transactions. Credit card convenience fees are not unique to GCTS.

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Q:What credit cards are accepted by GCTS for payment of tuition and fees?
A:

We accept VISA, MasterCard, American Express, and Discover. Credit card payments can be made online via the secure CAMS student Portal.  

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Q:How is the convenience fee percentage established?
A:

TMS has established a flat 2.99% fee for all credit card transactions. 

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Q:Can I make a credit card payment over the phone?
A:

You can pay over the phone by contacting the TMS service center at 1-800-722-4867. You’ll need to provide them with school specific information, including your student ID. You must also verify your balance in advance of making payment as TMS does not have access to your student account information.  

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Q:Can I pay in person using a credit card?
A:

Credit card payments may be made through your CAMS student portal at the Student Accounts Office in Kerr 321 at a kiosk at the cashier window. The office is open Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. The convenience fee still applies for credit card payments made in person.  

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Q:If I make a credit card payment in error will my convenience fee be refunded?
A:

No. The convenience fee is not refundable, even if the payment to which it relates is cancelled, refunded, credited, or charged back.  

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Q:Will the convenience fee be included on my student account statement?
A:

The convenience fee is assessed in addition to the payment for your student account. The convenience fee will not appear as a charge on your student account, it is part of your credit card transaction and not included in your student account charges. 

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Q:Who do I contact with additional questions?
A:

You can contact the student accounts office by phone at 978-646-4049 or by email at [email protected] You can also come see us in Kerr 321 Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. 

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Q:When is the PAY IN FULL deadline?
A:

Payment in full is due one week following the initial add/drop date. The add/drop date is the first Friday of classes. For example, Fall 2016 add/drop is Friday September 16. The first payment deadline for FA16 is Friday, September 23. For students on the payment plan: payments are due on the 10th of each month. If the deadline falls on a weekend or holiday, payment is due the following business day.

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Q:How can I pay in full?
A:

100% payment includes: Financial Aid Award Acceptance for 100% of tuition & fees, Direct Payment by credit card or check for your complete balance (CHECK must be processed in Hamilton), Certificate of Eligibility (VA) for 100% tuition, Official Award letter from church or outside scholarship confirming an amount that meets or exceeds tuition and fees for the term.

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Q:How do I make payment?
A:

• Online through CAMS student portal
• ACH through CAMS student portal
• Calling TMS service line
• At a kiosk in the Cashier’s office (Hamilton)
• By Check or Cash at the cashier window (Hamilton)
• Check by mail; send to:
GCTS Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

*If you are a student at Boston, Charlotte, Jacksonville, or in a non-residential program (DMIN/HMP) we recommend you mail check payments directly to our Hamilton campus. All student accounts payments are processed in Hamilton.

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Q:What if a third party is going to pay for my account?
A:

At any time you may request an invoice if needed to present an employer, church, or other outside source that has committed to making payment on your account. You are responsible to communicate with the outside party to ensure payment is receive on or before the pay in full deadline. We recommend requesting invoices well in advance to ensure prompt payment. If your outside support is not expected to be processed in time for the deadline you will either want to plan for the payment plan fee or make personal payment in full to be reimbursed when outside funds are processed to your student account. 

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Q:Can you automatically withdraw from my personal bank account?
A:

For in-semester payment plans we do not arrange for auto withdrawal from personal accounts. We do recommend you contact your bank for scheduled payment options if you’d like the have auto-checks delivered monthly.  

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Q:How do I sign up for a payment plan?
A:

At this time any student not paid in full on the deadline will automatically be enrolled in the payment plan.

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Q:Do I have to pay the fee?
A:

Any account not paid in full on the payment deadline will incur the Payment Plan Fee five business days following the payment deadline. The fee is non-waivable and non-refundable.  

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Q:How much is the fee?
A:

The payment plan fee is a one-time $50 fee assessed five business days following the Pay In Full deadline.  

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Q:How do I calculate what to pay?
A:

Your monthly payments should be based on your TOTAL balance (all tuition, fees, and posted charges). On October 10th 50% of your total balance is due. On November 10th 75% of your total balance is due. On December 10th 100% of your balance is due. For example, if you owe $1000 TOTAL (including the payment plan fee) you would pay $500 on October 10, $250 on November 10, and $250 on December 10. 

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Q:How do I know what my balance is?
A:

Your balance is a combination of tuition and seminary related fees. You have access to your balance in your CAMS student portal (after logging in click on “My Ledger”) you may also call our offices during business hours (M-F 8-4:30) 978-646-4049 or inquire by email to [email protected]

 

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Q:Can I include a past due balance?
A:

All balances must be paid in full prior to enrolling in future coursework. Prior balances cannot be included in an in-semester payment plan and must be paid in full before registering for future coursework.

 

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Q:Can I pay ahead on my payment plan?
A:

Yes, you can pay ahead on your payment plan and complete payments prior to the deadline or in greater amount than required.  

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Q:What happens if I miss a payment?
A:

Missed payments are at risk of incurring a late payment fee. Late payment fees will be assessed five business days following each payment deadline. The late payment fee is $20 per missed payment. 

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Q:What happens if I can’t pay by the end of the semester?
A:

Students with balances will be placed on a Student Account Hold. This hold prevents future registration, receipt of transcripts, and diploma issuance when applicable. If you’ve registered for future coursework you will be deregistered and you will be contacted to begin a past due payment plan. Please contact the Student Accounts Coordinator for more information on past due payment plans.

 

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Q:How can I get the hold lifted?
A:

Holds can be lifted and services will be restored (including registration) when the balance is paid in full. The hold is lifted by the student accounts team approximately one business day after the account has been paid. 

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Q:Does this include health insurance?
A:

If you are a Hamilton or Boston student meeting the registration requirements and opting not to waive student health insurance your insurance charges are considered part of your student account balance and must be included in your pay in full/payment plan calculations. Please contact our offices if you have further questions about student health insurance charges. 

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Q:When can I expect to see charges?
A:

You can expect to see tuition, fees, and general institutional scholarships posted related to Fall in early September. For January and Spring they will post in January. Summer terms will post the first day of classes. 

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Q:When can I expect to see scholarships?
A:

If you are receiving grant in aid or other individualized institutional scholarships you can expect to see those scholarships applied shortly following the add/drop period. General institutional scholarships (Partnership, Graham, etc.) will be posted alongside your tuition. 

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Q:What if I still have questions?
A:

Call the Student Accounts Office at 978-646-4049 M-F from 8:00am to 4:30pm or email [email protected] for more information. 

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Hamilton What If FAQ’s

Hamilton What If Answers

Q:What happens if I drop classes after receiving aid?
A:

This is a potentially serious situation for students receiving federal aid. If you drop below half time after receiving federal loan funds, we must check to determine whether you are eligible to keep the funds you have received. You must have at least attended classes at a half time level before dropping. If not, GCTS will return all loan funds applied toward tuition and fees and bill you for these charges instead. If you drop all classes, GCTS must calculate a portion of your loan to be returned to the lender. This also may result in a large balance due on your student account and difficulty registering for a future semester.

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Q:What if I fail Financial Aid Satisfactory Academic Progress?
A:

Students with financial aid who fail the FASAP measurements for two consecutive semesters become ineligible for further financial aid until such time in a future semester as they pass the GPA requirement again.

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Q:What if I register below half-time?
A:

If you register below half-time in a semester, you will not be eligible for either Federal financial aid of loans or GCTS grant monies. If you already have a loan the current disbursement and all future disbursements will be cancelled. You will have to apply for a new loan to cover any future semesters in which you plan to be enrolled at half-time or greater.

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Q:What if I have extraordinary expenses? Can these be considered in my financial aid?
A:

You may be able to receive additional financial aid in the form of loans if you have unanticipated and unavoidable medical or disability related expenses that are not covered by any other means. To request further consideration, you must submit a written petition with documentation of the specific expenses. (Please keep in mind: Financial aid is not designed to meet all the needs that students may have, such as paying for credit card debt, high mortgage/rent, or car payments, etc.)

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Q:What if I’m not a U.S. citizen?
A:

You must be a U.S. Citizen or Permanent Resident to receive federal aid. Other types of loans from private lenders may be available to students on an F1 or J1 visa, but these require a co-signer who is a U.S. Citizen or Permanent Resident. All International Scholarships at GCTS are decided by the Admissions office. The Admissions office has a limited number of scholarships to award. They only consider International applicants that have completed their Admissions applications by November 30 of the year prior to attending. Please contact the Admissions office with any questions on International Scholarships.

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Q:What if loan funds exceed the charges on my student account?
A:

When loan funds arrive they are automatically applied to current charges for tuition and fees. If you have signed a Title IV Disbursement Agreement which is on the GCTS Financial Aid form, then loan funds will also pay other charges if owed to GCTS such as insurance. A refund will be processed for any funds remaining after the charges are paid per your request. Please contact the Student Billing office in Financial Services at (978) 646-4049 or by sending an email regarding this request. Otherwise, monies will remain on the students account.

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Q:What if I still have needs not met by my financial aid from GCTS. How do I find additional aid?
A:

Students at GCTS receive additional aid from a tremendous variety of sources including churches, family, mission agencies, etc. We suggest you research possibilities through your church, denomination and any other organizations to which you belong. Check out our “Funding Other Sources” webpage for more search options for information. Any applications for outside aid are by the initiative of the student. If verification of enrollment is needed, please contact the Registrar office.

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Boston Application FAQ’s

Boston Application Answers

Q:How do I apply for Financial Aid at GCTS?
A:

There are two forms to complete and submit to apply for Financial Aid at GCTS. They are the FAFSA and the GCTS Financial Aid Form. Links are found under “Applying for Financial Aid” on our website. The Financial Aid office collects these forms and begins an ongoing process of awarding new and returning students. These awards are sent via email, generally to the GCTS email or to the email that was listed on your FAFSA. If you have not submitted both forms, you will not receive any notice or award from GCTS.

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Q:Why is so much paperwork and time necessary to process my financial aid application?
A:

Some of the Institutional grant programs at GCTS that involve the Admissions, Partnership or Pierce Departments have application deadlines and then require time to review applications and notify students of the results. (See the Scholarship section of the GCTS webpage for more information.) Once the scholarship/grant is offered by these Departments, a list of recipients is given to the Financial Aid office. If both the FAFSA and GCTS form are in for the student, the Financial Aid office is then able to offer a student an accurate Financial Aid award based on the information given. In order for GCTS to participate in federal aid programs we must comply with numerous federal regulations. Each application for financial aid goes through a detailed review process. Some applicants are selected by the government for a process called verification. In such cases we must collect further documentation and compare it with all other information in your file. This takes time.

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Q:How long will it take for my Financial Aid Application to be processed?
A:

If you turn in your form by the priority deadline, you can expect an awards notification letter one month later. These are sent via email, usually to the email address that is on the FAFSA. For example, a new student who turned in their application (FAFSA and GCTS form) by the priority deadline of May 30th can expect to receive an award notification by mid June. If you did not turn both forms by the deadline, you can expect an award letter emailed as soon as possible after both forms are received. If you have submitted both the FAFSA and GCTS form and have not been awarded by July 1st, contact the Financial Aid office to see if there is a problem.

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Q:I applied to GCTS, but have not been admitted. I also applied for financial aid. When will I hear back about financial aid?
A:

If you have applied for admission and also for financial aid, you will hear from the Financial Aid Office after you have been accepted.

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Q:How does my admission status (limited enrollment, visiting, provisional, etc.) affect my financial aid?
A:

Only students admitted into a master’s degree seeking program may receive financial aid.

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Q:What can delay my financial aid beyond the normal processing time?
A:

 The common delays are due to:

  • Incomplete, incorrectly completed, or late applications
  • Failure to submit requested documentation in a timely manner
  • An address or phone number that has not been updated
  • Certain issues which require a long time to resolve, such as a default on a prior student loan, failure to register for the Selective Service, etc.

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Q:How do I know how much I need?
A:

 Begin by estimating your budget for the school year. Costs vary widely by campus and program and depend on each student’s pace of study. You should consider at least the following expenses in estimating your budget:

  • Tuition
  • Fees
  • Books and supplies

Compare the cost of your program with incoming resources from at least the following:

  • Work
  • Family
  • Church
  • Other sources

The amount that remains is your financial need. Consider your options to reduce this need, e.g. reducing living expenses, increasing income from work, seeking additional outside support and/or accepting all or part of your financial aid award.

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Q:How is financial aid applied to my student account?
A:

 Financial aid loans are electronically posted to your student account. Loan funds arrive by Electronic Funds Transfer (EFT) and are posted to your account the same week they arrive. Before any funds are applied to your student account, a series of eligibility checks determine whether you still meet the criteria to receive them.

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Q:Who do I talk to about my bill or my student account?
A:

Contact the Student Billing Office in Financial Services (978) 646-4049 or [email protected]. (Note: this is not the Financial Aid office.)

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Boston Loan FAQ’s

Boston Loan Answers

Q:What if I don’t want the full amount of loans offered in the Award Package?
A:

You may reduce or cancel any part of your financial aid package. You may have been offered more loan money than you want or need. Simply enter the reduced amount you want to accept.

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Q:What if I decline all or part of my loan award now but then later decide that I need it?
A:

You may reapply for loans later if you still meet the eligibility requirements. Contact the Financial Aid Office.

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Q:Should I borrow the maximum amount? What choice do I have?
A:

You are encouraged to borrow the minimum that you need. Many GCTS students take steps to avoid or minimize borrowing, including:

  • Full or part-time work
  • Studying part-time
  • Obtaining support from churches, family, friends, organizations, etc.
  • Choosing a simple, low-cost lifestyle while at GCTS
  • Coordinating work and study with a spouse

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Q:What is the “Indebtedness Policy” at GCTS?
A:

The Seminary sets a limit of $40,000 for individual student educational indebtedness, including debt incurred at previous schools you have attended. If a student New or Returning is nearing or has exceeded a Federal Student Loan debt of $40,000, they are sent a notice stating they must write a letter to the Debt Committee that reviews their plan for further borrowing and plans to make future repayment in light of salary expectations. The Financial Aid Debt Committee will evaluate all future borrowing requests which would take an individual above this $40,000 limit. (Note: this limit is extended to $45,000 if the student is graduating within the academic year.) Most requests are approved; however, if the Debt Committee has concerns after your initial letter has been reviewed, a meeting may be requested.

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Q:Do I need to sign a Federal Direct Loan Promissory Note (MPN)?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete a new Direct Loan master promissory note. You will need your FSA ID (or FAFSA pin number) to access your account at the following website: www.studentloans.gov. Note: When choosing the State of your school, you must choose MA (not NC).

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Q:Am I required to complete a Direct Loan ENTRANCE Counseling tutorial online?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete an Entrance Counseling tutorial online. You will need your FSA ID (or FAFSA pin number) to access your account at the following website: www.studentloans.gov. Once completed online, the Financial Aid office requests a copy of the confirmation page sent to GCTS to include with your Financial Aid file documents.

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Q:Am I required to complete a Direct Loan EXIT Counseling tutorial online?
A:

When a GCTS student Federal loan borrower has dropped below half-time status, withdrawn, takes a leave of absence or graduates, the Federal Government regulates that they must complete an online Exit Counseling tutorial. GCTS takes compliance with this regulation seriously and will not honor official transcript requests or give out a diploma until this requirement is completed. You will need your FSA ID (or FAFSA pin number) to access your account at the following website: www.studentloans.gov.

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Q:How am I supposed to keep track of all my correspondence and records?
A:

We recommend that you create a file system to organize your financial aid records – a binder for hardcopies and an online folder set up on your computer for electronic communication.

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Q:Where do I find the basic eligibility requirements for Federal aid?
A:

Federal aid is subject to extensive regulations with which GCTS must comply. These affect your eligibility for financial aid (sometimes retroactively!). You need to become familiar with the basic regulations so that you can avoid serious dilemmas. Please carefully read and understand your award terms and conditions and all the materials provided to you by our office and by the Direct Loan servicing center. If you have questions, please contact the Financial Aid Office.

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Q:What expenses can I pay with loan funds?
A:

Federal loan funds are intended to help students with school-related expenses such as tuition, books and fees.

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Q:When are loans disbursed?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first fall, spring or summer semester loan disbursements are expected 2-3 weeks after classes begin. In general, the timing of disbursements for the Boston campus is the second week of October (fall), first week of March (spring) and the second week of June (summer). The Financial Aid Office will send notification via email that the funds have been posted to your account.

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Q:Are loans available for summer courses or is it considered part of spring semester for financial aid purposes?
A:

In general, students are awarded only for fall/spring semesters. The Financial Aid Office does not automatically award summer loans. Summer loans are by request of the student and are considered either headers or trailers to a school year. If you need a summer loan, you will need to have a completed FAFSA and GCTS form for that year. 

Any student who wants a summer loan may contact the Financial Aid Office come April or thereafter. As long as the FAFSA and GCTS form are in, we can determine the loan award you are eligible for in the summer. Disbursement will not be until after the summer session begins. No loans may be processed after the last day of class for the summer session they are requesting a loan for.

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Q:What academic requirements or conditions must be met in order to receive financial aid?
A:

You must be making satisfactory academic progress before loan funds may be received. Satisfactory academic progress is defined as: 1) maintaining a GPA consistent with or higher than the minimum required for the student’s degree program; 2) maintaining a completion rate of 67% or higher for all courses attempted (including withdrawals); and 3) being on track to complete the student’s degree program within 150% or less of the credits required for the program.

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Q:Am I eligible for a Federal student loan if I do not have a bachelor’s degree?
A:

A student must possess a bachelor’s degree or have completed, at minimum, the equivalent of three previous years of full-time academic study in order to be eligible to receive Title IV funds. (These three years could include full-time study at Gordon-Conwell). Once you have completed three years of full-time academic study, then you may apply for and receive Federal student loans.

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Q:Am I eligible for a Federal student loan if I am enrolled in a diploma or certificate program, a visiting student, or a mature admissions student?
A:

Students enrolled in a diploma or certificate program are not eligible to receive Federal aid. Students must be enrolled in a master’s degree seeking program in order to be eligible for Title IV funds. In addition, visiting students cannot receive Title IV funds. If you are a mature admissions student, please see the question regarding bachelor’s degree qualifications.

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Boston Scholarship FAQ’s

Boston Scholarship Answers

Q:Are there any scholarships available outside of GCTS that I might apply for?
A:

Funding from outside sources is possible. Gordon-Conwell students receive scholarships and grants from a number of foundations and organizations. Awards can depend on denomination, undergraduate school affiliation, scholastic ability, previous vocation, etc. The Financial Aid may assist by certifying educational cost for the potential recipients of these funds, but the student must take the initiative to make inquiries and apply to outside sources. We suggest students make themselves aware of other sources through inquiries to denominational headquarters, churches, libraries, etc. To view some suggested outside sources, visit our Funding from Other Sources page.

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Q:Is my grant or scholarship taxable?
A:

Possibly. If you receive grant or scholarship funds that will exceed tuition and fees you should read Publication 970, “Scholarships and Fellowships” published by the Internal Revenue Service. This publication can be downloaded from the IRS website.

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Boston Student Accounts FAQ’s

Boston Student Accounts Answers

Q:How do I view my bill and pay online?
A:

Click here for instructions.

Please note that we accept credit cards for: 

  • Student Account Payments (tuition, fees, etc.)
  • Application Fees
  • Doctor of Ministry Matriculation Deposits

Please note that we cannot accept credit cards for:  

  • Psych Testing Fees
  • Housing Application Fees
  • Housing Security Deposits
  • Rent Payments

 

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Q:I made a payment online, but I don’t see it on my student account. Why is this?
A:

There are a couple possibilities why your payment would not be showing up on your student account:

  • The payment has not yet been posted. Unfortunately, payment posting does not happen automatically. Our aim is always to have your payment posted on the next business day.
  • The incorrect drop-down option was chosen when making your online payment. If you do not choose your specific campus account (Boston Student Account) on the payment screen, the payment will not go to the correct place. If you are not seeing your payment, please contact our office immediately. We can research your payment and take the appropriate actions to transfer the funds to your appropriate campus account.

Email: [email protected]

Phone: (978) 646-4049

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Q:I want to send a payment through the mail. Where should I send the check?
A:

Gordon Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

Note: Please do not send cash through the mail. Please only send checks, money orders and cashier’s checks.

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Q:I want to send a payment through the mail. Where should I send the check?
A:

Gordon Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

Note: Please do not send cash through the mail. Please only send checks, money orders and cashier’s checks.

Note: Please include your name and student ID# on the memo line of the check so we can ensure that it goes to the correct account.

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Q:If a third party wants to make a payment toward my student account, what information do they need to include to make sure the payment is applied to my student account?
A:

If they are sending GCTS a check, they should include your name and ID number (either on an attached letter or on the check memo line). Please note that if the organization is paying more than you owe, they must give us written permission before we can release excess funds to you for your personal use. Please have the organization send the payment to the following address:

Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

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Q:If I have VA funds needing to be processed, whom should I contact?
A:

If you are a part of the Chapter 30 (Montgomery) GI Bill or Chapter 33 (Post 9/11) GI Bill, please contact Beth Isaac in the Hamilton Registration Office. You may contact Beth by the following means:

E-mail
Phone: (978) 646-4021

If you are part of the Chapter 31 (VocRehab) GI Bill, AmeriCorps, GoArmyEd, MyCAA, or WAWF, please contact Jenna Lanoue in the Student Accounts Office. You may contact her by the following means:

E-mail

Phone: (978) 646-4045
Fax: (978) 646-4601

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Q:What will happen if I can’t pay in full by the last deadline?
A:

If you cannot pay in full by the last deadline, please contact the student accounts office to set up a personalized payment plan. Setting up and maintaining a payment plan will prevent your account from being sent to a collections agency.

E-mail
Phone: (978) 646-4049

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Q:My bill went to the wrong place. How can I change my billing address?
A:

You may change your billing address by logging into your CAMS Student Portal or by filling out a Change Address Request Form  and sending it to the Student Accounts Office. We must have a signed request on file per FERPA regulations.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

Please note that if your bill goes to the wrong location, you are still held accountable to the payment deadlines as it is your responsibility to keep your billing address current. Furthermore, your bill is available online through your CAMs student portal.

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Q:How often are statements sent out?
A:

Our aim is to send statements before each payment deadline if there is an owed balance. Because of the magnitude of bills that we send out and the potential for postal delays, there is no specific time frame that we can guarantee receipt of bills. Because your balance can always be seen on the CAMS student portal, you are accountable for paying your balance by the deadlines even if you receive your bill later than you would prefer.

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Q:Why is my account on hold?
A:

If your account is on hold, you most likely have an unpaid balance. If you believe your account has been mistakenly put on hold, please contact our office. If we can verify that your account is paid in full, we can lift the hold for you immediately. Unfortunately, our system does not automatically lift a hold after a payment is made. It is a manual adjustment that we must make to your account, so please contact us if you have paid your account in full online and need your hold lifted immediately for registration purposes.

E-mail
Phone: (978) 646-4049

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Q:Why are there late fees on my account?
A:

If you received one or more late fees, you most likely missed one (or more) of the payment deadlines. Please see your specific campus’ Academic Calendar for the specific payment deadlines.

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Q:What is the student services fee?
A:

The student services fee is an administrative fee charged to all registered students. This fee helps to cover the cost of running the various offices at the Seminary (postage, paper, supplies…etc) and helps to provide our students with the services they enjoy throughout the seminary.

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Q:I would like someone else to have access to my student account. How can I give this person permission?
A:

Someone can access your account only if you have given us written permission for them to do so. If you would like someone to have regular access to your account, please fill out our Account Access Form and fax/mail this form to the Student Accounts office.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

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Q:When will I be able to withdraw the excess funds from my student account?
A:

GCTS Grants and Scholarships: Credits created from GCTS grants and scholarships will not be available for withdrawal until the first business day after the final add/drop date for each semester. Please do not request these funds until that time as we will not be able to process them. To request these funds, please call or email the Student Accounts office.

Federal Loans: Excess created by loans is available for withdrawal immediately after it has been disbursed to your student account. The Financial Aid office will notify you that the funds have been disbursed and provide a form for you to use when requesting to withdraw the excess funds.

Outside Funding: If you have a credit on your student account created by a payment made by an outside donor, you may request these funds at anytime, as long as we have a form on file from the donor permitting you to withdraw these excess funds for personal use.

E-mail
Phone: (978) 646-4049

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Q:When can I set up a personalized payment plan?
A:

You may set up a personalized payment plan after the final semester deadline. Please note that setting up a payment plan will not remove the late fees that were placed on your account throughout the semester. Setting up and maintaining a payment plan prevents your account from being sent to collections. Please contact our Student Accounts Assistant at (978) 646-4049 to set up a personalized payment plan.

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Q:How do GCTS personalized payment plans typically work?
A:

The Gordon-Conwell policy is for payment plans to be complete within a year. We would divide your balance by 12 to determine how much you need to be paying monthly. Payments are due by the last day of every month. We must see payments coming in every month in order for your plan to remain current. Defaulting on a payment plan (either by incomplete payment or non-payment) could result in your account being sent to a collections agency.

Please note if you miss one payment, you will receive a default letter. You may make up the payment by paying the current month’s payment and the missed month’s payment. If you miss two payments,  you will be sent to collections automatically.

Please note that if you are on a payment plan, you are not eligible to register for future courses, receive transcripts, or a diploma until the balance is paid in full.

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Q:Do I have to waive the student health insurance every semester?
A:

Students only need to waive the health insurance once per year. If you waive the insurance in the Fall, there is no need to waive the insurance in the Spring semester. For questions concerning health insurance, please contact the Student Life office by calling 978-646-4062.

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Q:Do I have a Gordon-Conwell e-mail account? I didn’t realize I had a Gordon-Conwell e-mail account.
A:

All students have a Gordon-Conwell e-mail address. It is important to check this account regularly or have it forwarded to a personal account as offices use this email to send important information to students. To access it, please follow these steps:

  1. Go to the main GCTS site
  2. Click on “Webmail” at the top right of the home page.
  3. Enter your email address, which is typically your first initial followed by your last name unless you have a common last name. Contact the IT help desk for details (see below).
  4. Enter your password, which, if you have not been accessed this before, should be your student ID number.

If you are still unable to access your e-mail, please contact the IT helpdesk:

E-mail
Phone: (978) 646-4357

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Q:Can books be charged to my student account?
A:

Please contact the Student Accounts office for more details about charging books to your student account. Depending on which campus you attend, there may be certain restrictions on the amount of excess you are required to have on your student account and the timeframe that you are permitted to charge books to your account.

 

Email: [email protected]

Phone: 978-646-4049.

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Q:Why is the seminary charging a fee for the use of my credit card?
A:

Gordon Conwell Theological Seminary is committed to providing students and their families a range of options for paying their educational expenses. The credit card payment method is becoming prohibitively expensive because of the fees credit card companies charge GCTS. Therefore, a convenience fee will be added to all credit/debit card payments to offset the processing fee the seminary must pay to the credit card company.

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Q:If I use my debit card to pay my student account charges, will I be charged the convenience fee?
A:

 Yes. If you use your debit card like a credit card to pay your student account charges you will be charged the convenience fee.

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Q:Is there any way I can avoid paying a convenience fee?
A:

You can avoid paying the convenience fee by paying online with an electronic check (ACH). ACH will debit your checking or savings account and may be processed online using the CAMS Student Portal. You may also send a check to the Student Accounts Office in Kerr 321 or mail it to the address below:
GCTS
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
(Please remember to include your Student ID whenever you pay by check)
 

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Q:Are other graduate schools and universities charging a convenience fee for credit card transactions?
A:

Yes, an increasing number of schools are collecting convenience fees for credit/debit card transactions. Credit card convenience fees are not unique to GCTS.

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Q:What credit cards are accepted by GCTS for payment of tuition and fees?
A:

We accept VISA, MasterCard, American Express, and Discover. Credit card payments can be made online via the secure CAMS student Portal.  

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Q:How is the convenience fee percentage established?
A:

TMS has established a flat 2.99% fee for all credit card transactions. 

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Q:Can I make a credit card payment over the phone?
A:

You can pay over the phone by contacting the TMS service center at 1-800-722-4867. You’ll need to provide them with school specific information, including your student ID. You must also verify your balance in advance of making payment as TMS does not have access to your student account information.  

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Q:Can I pay in person using a credit card?
A:

Credit card payments may be made through your CAMS student portal at the Student Accounts Office in Kerr 321 at a kiosk at the cashier window. The office is open Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. The convenience fee still applies for credit card payments made in person.  

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Q:If I make a credit card payment in error will my convenience fee be refunded?
A:

No. The convenience fee is not refundable, even if the payment to which it relates is cancelled, refunded, credited, or charged back.  

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Q:Will the convenience fee be included on my student account statement?
A:

The convenience fee is assessed in addition to the payment for your student account. The convenience fee will not appear as a charge on your student account, it is part of your credit card transaction and not included in your student account charges. 

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Q:Who do I contact with additional questions?
A:

You can contact the student accounts office by phone at 978-646-4049 or by email at [email protected] You can also come see us in Kerr 321 Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. 

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Q:When is the PAY IN FULL deadline?
A:

Payment in full is due one week following the initial add/drop date. The add/drop date is the first Friday of classes. For example, Fall 2016 add/drop is Friday September 16. The first payment deadline for FA16 is Friday, September 23. For students on the payment plan: payments are due on the 10th of each month. If the deadline falls on a weekend or holiday, payment is due the following business day.

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Q:How can I pay in full?
A:

100% payment includes: Financial Aid Award Acceptance for 100% of tuition & fees, Direct Payment by credit card or check for your complete balance (CHECK must be processed in Hamilton), Certificate of Eligibility (VA) for 100% tuition, Official Award letter from church or outside scholarship confirming an amount that meets or exceeds tuition and fees for the term.

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Q:How do I make payment?
A:

• Online through CAMS student portal
• ACH through CAMS student portal
• Calling TMS service line
• At a kiosk in the Cashier’s office (Hamilton)
• By Check or Cash at the cashier window (Hamilton)
• Check by mail; send to:
GCTS Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

*If you are a student at Boston, Charlotte, Jacksonville, or in a non-residential program (DMIN/HMP) we recommend you mail check payments directly to our Hamilton campus. All student accounts payments are processed in Hamilton.

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Q:What if a third party is going to pay for my account?
A:

At any time you may request an invoice if needed to present an employer, church, or other outside source that has committed to making payment on your account. You are responsible to communicate with the outside party to ensure payment is receive on or before the pay in full deadline. We recommend requesting invoices well in advance to ensure prompt payment. If your outside support is not expected to be processed in time for the deadline you will either want to plan for the payment plan fee or make personal payment in full to be reimbursed when outside funds are processed to your student account. 

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Q:Can you automatically withdraw from my personal bank account?
A:

For in-semester payment plans we do not arrange for auto withdrawal from personal accounts. We do recommend you contact your bank for scheduled payment options if you’d like the have auto-checks delivered monthly.  

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Q:How do I sign up for a payment plan?
A:

At this time any student not paid in full on the deadline will automatically be enrolled in the payment plan.

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Q:Do I have to pay the fee?
A:

Any account not paid in full on the payment deadline will incur the Payment Plan Fee five business days following the payment deadline. The fee is non-waivable and non-refundable.  

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Q:How much is the fee?
A:

The payment plan fee is a one-time $50 fee assessed five business days following the Pay In Full deadline.  

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Q:How do I calculate what to pay?
A:

Your monthly payments should be based on your TOTAL balance (all tuition, fees, and posted charges). On October 10th 50% of your total balance is due. On November 10th 75% of your total balance is due. On December 10th 100% of your balance is due. For example, if you owe $1000 TOTAL (including the payment plan fee) you would pay $500 on October 10, $250 on November 10, and $250 on December 10. 

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Q:How do I know what my balance is?
A:

Your balance is a combination of tuition and seminary related fees. You have access to your balance in your CAMS student portal (after logging in click on “My Ledger”) you may also call our offices during business hours (M-F 8-4:30) 978-646-4049 or inquire by email to [email protected]

 

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Q:Can I include a past due balance?
A:

All balances must be paid in full prior to enrolling in future coursework. Prior balances cannot be included in an in-semester payment plan and must be paid in full before registering for future coursework.

 

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Q:Can I pay ahead on my payment plan?
A:

Yes, you can pay ahead on your payment plan and complete payments prior to the deadline or in greater amount than required.  

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Q:What happens if I miss a payment?
A:

Missed payments are at risk of incurring a late payment fee. Late payment fees will be assessed five business days following each payment deadline. The late payment fee is $20 per missed payment. 

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Q:What happens if I can’t pay by the end of the semester?
A:

Students with balances will be placed on a Student Account Hold. This hold prevents future registration, receipt of transcripts, and diploma issuance when applicable. If you’ve registered for future coursework you will be deregistered and you will be contacted to begin a past due payment plan. Please contact the Student Accounts Coordinator for more information on past due payment plans.

 

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Q:How can I get the hold lifted?
A:

Holds can be lifted and services will be restored (including registration) when the balance is paid in full. The hold is lifted by the student accounts team approximately one business day after the account has been paid. 

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Q:Does this include health insurance?
A:

If you are a Hamilton or Boston student meeting the registration requirements and opting not to waive student health insurance your insurance charges are considered part of your student account balance and must be included in your pay in full/payment plan calculations. Please contact our offices if you have further questions about student health insurance charges. 

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Q:When can I expect to see charges?
A:

You can expect to see tuition, fees, and general institutional scholarships posted related to Fall in early September. For January and Spring they will post in January. Summer terms will post the first day of classes. 

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Q:When can I expect to see scholarships?
A:

If you are receiving grant in aid or other individualized institutional scholarships you can expect to see those scholarships applied shortly following the add/drop period. General institutional scholarships (Partnership, Graham, etc.) will be posted alongside your tuition. 

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Q:What if I still have questions?
A:

Call the Student Accounts Office at 978-646-4049 M-F from 8:00am to 4:30pm or email [email protected] for more information. 

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Boston What If FAQ’s

Boston What If Answers

Q:What happens if I drop classes after receiving aid?
A:

This is a potentially serious situation for students receiving federal aid. If you drop below half time after receiving federal loan funds, we must check to determine whether you are eligible to keep the funds you have received. You must have at least attended classes at a half time level before dropping. If not, GCTS will return all loan funds applied toward tuition and fees and bill you for these charges instead. If you drop all classes, GCTS must calculate a portion of your loan to be returned to the lender. This also may result in a large balance due on your student account and difficulty registering for a future semester.

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Q:What if I fail Financial Aid Satisfactory Academic Progress?
A:

Students with financial aid who fail the FASAP measurements for two consecutive semesters become ineligible for further financial aid until such time in a future semester as they pass the GPA requirement again.

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Q:What if I register below half-time?
A:

If you register below half-time in a semester, you will not be eligible for either Federal financial aid of loans. If you already have a loan the current disbursement and all future disbursements will be cancelled. You will have to apply for a new loan to cover any future semesters in which you plan to be enrolled at half-time or greater.

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Q:What if I have extraordinary expenses? Can these be considered in my financial aid?
A:

You may be able to receive additional financial aid in the form of loans if you have unanticipated and unavoidable medical or disability related expenses that are not covered by any other means. To request further consideration, you must submit a written petition with documentation of the specific expenses. (Please keep in mind: Financial aid is not designed to meet all the needs that students may have, such as paying for credit card debt, high mortgage/rent, or car payments, etc.)

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Q:What if I’m not a U.S. citizen?
A:

You must be a U.S. Citizen or Permanent Resident to receive federal aid. Other types of loans from private lenders may be available to students on an F1 or J1 visa, but these require a co-signer who is a U.S. Citizen or Permanent Resident.

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Q:What happens if incoming loan funds exceed the charges on my student account?
A:

When loan funds arrive they are automatically applied to current charges for tuition and fees. If you have signed a Title IV Disbursement Agreement which is on the GCTS Financial Aid form, then loan funds will also pay other charges if owed to GCTS. A refund will be processed for any funds remaining after the charges are paid per your request. Please contact the Student Billing office in Financial Services (978) 646-4049 or by sending an email regarding this request. Otherwise, monies will remain on the students account.

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Q:What if I still have needs not met by my financial aid from GCTS. How do I find additional aid?
A:

Students at GCTS receive additional aid from a tremendous variety of sources including churches, family, mission agencies, etc. We suggest you research possibilities through your church, denomination and any other organizations to which you belong. Check out our “Funding Other Sources” webpage for more search options for information. Any applications for outside aid are by the initiative of the student. If verification of enrollment is needed, please contact the Registrar office.

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Q:What if I am a student in a diploma or certificate program, a visiting student, or a mature admissions student?
A:

If you are enrolled in a diploma or certificate program, or a visiting student, you are not eligible for Federal aid. Students must be enrolled in a master’s degree seeking program in order to be eligible for Title IV funds. If you are a mature admissions student, please see the question regarding bachelor’s degree qualifications.

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Charlotte Application FAQ’s

Charlotte Application Answers

Q:How do I apply for Financial Aid at GCTS?
A:

There are two forms to complete and submit to apply for Financial Aid at GCTS. They are the FAFSA and the GCTS Financial Aid Form. Links are found under “Applying for Financial Aid” on our website. The Financial Aid office collects these forms and begins an ongoing process of awarding new and returning students. These awards are sent via email, generally to the GCTS email or to the email that was listed on your FAFSA. If you have not submitted both forms, you will not receive any notice or award from GCTS.

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Q:Why is so much paperwork and time necessary to process my financial aid application?
A:

Some of the Institutional grant programs at GCTS that involve the Admissions, Partnership or Pierce Departments have application deadlines and then require time to review applications and notify students of the results. (See the Scholarship section of the GCTS webpage for more information.) Once the scholarship/grant is offered by these Departments, a list of recipients is given to the Financial Aid office. If both the FAFSA and GCTS form are in for the student, the Financial Aid office is then able to offer a student an accurate Financial Aid award based on the information given. In order for GCTS to participate in federal aid programs we must comply with numerous federal regulations. Each application for financial aid goes through a detailed review process. Some applicants are selected by the government for a process called verification. In such cases we must collect further documentation and compare it with all other information in your file. This takes time.

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Q:How long will it take for my Financial Aid Application to be processed?
A:

If you turn in your form by the priority deadline, you can expect an awards notification letter one month later. These are sent via email, usually to the email address that is on the FAFSA. For example, a new student who turned in their application (FAFSA and GCTS form) by the priority deadline of May 30th can expect to receive an award notification by mid June. If you did not turn both forms by the deadline, you can expect an award letter emailed as soon as possible after both forms are received. If you have submitted both the FAFSA and GCTS form and have not been awarded by July 1st, contact the Financial Aid office to see if there is a problem.

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Q:I applied to GCTS, but have not been accepted. I also applied for financial aid. When will I hear back about financial aid?
A:

If you applied for admission and also for financial aid, you will hear from the Financial Aid Office afte you have been accepted. 

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Q:How does my admission status (limited enrollment, visiting, provisional, etc.) affect my financial aid?
A:

Only students admitted into a degree seeking or certificate program may receive financial aid.

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Q:What can delay my financial aid beyond the normal processing time?
A:

The common delays are due to:

  • Incomplete, incorrectly completed, or late applications
  • Failure to submit requested documentation in a timely manner
  • An address or phone number that has not been updated
  • Certain issues which require a long time to resolve, such as a default on a prior student loan, failure to register for the Selective Service, etc.

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Q:How do I know how much I need?
A:

Begin by estimating your budget for the school year. Costs vary widely by campus and program and depend on each student’s pace of study. You should consider at least the following expenses in estimating your budget:

  • Tuition
  • Living costs such as Room and Board
  • Books
  • Travel, Health Insurance and other Misc. costs

Compare the cost of your program with incoming resources from at least the following:

  • Work
  • Family
  • Church
  • Other sources

The amount that remains is your financial need. Consider your options to reduce this need, e.g. reducing living expenses, increasing income from work, seeking additional outside support and/or accepting all or part of your financial aid award.

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Q:How is financial aid applied to my student account?
A:

Financial aid loans are electronically posted to your student account. Loan funds arrive by Electronic Funds Transfer (EFT) and are posted to your account the same week they arrive. Before any funds are applied to your student account, a series of eligibility checks determine whether you still meet the criteria to receive them.

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Q:Who do I talk to about my bill or my student account?
A:

Contact the Student Billing Office in Financial Services (978) 646-4049 or [email protected]. (Note: this is not the Financial Aid office.)

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Charlotte Loan FAQ’s

Charlotte Loan Answers

Q:What if I don’t want the full amount of loans offered in the Award Package?
A:

You may reduce or cancel any part of your financial aid package. You may have been offered more loan money than you want or need. Simply enter the reduced amount you want to accept.

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Q:What if I decline all or part of my loan award now but then later decide that I need it?
A:

You may reapply for loans later if you still meet the eligibility requirements. Contact the Financial Aid Office.

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Q:Should I borrow the maximum amount? What choice do I have?
A:

You are encouraged to borrow the minimum that you need. Many GCTS students take steps to avoid or minimize borrowing, including:

  • Full or part-time work
  • Studying part-time
  • Obtaining support from churches, family, friends, organizations, etc.
  • Choosing a simple, low-cost lifestyle while at GCTS
  • Coordinating work and study with a spouse

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Q:What is the “Indebtedness Policy” at GCTS?
A:

The Seminary sets a limit of $40,000 for individual student educational indebtedness, including debt incurred at previous schools you have attended. If a student New or Returning is nearing or has exceeded a Federal Student Loan debt of $40,000, they are sent a notice stating they must write a letter to the Debt Committee that reviews their plan for further borrowing and plans to make future repayment in light of salary expectations. The Financial Aid Debt Committee will evaluate all future borrowing requests which would take an individual above this $40,000 limit. (Note: this limit is extended to $45,000 if the student is graduating within the academic year.) Most requests are approved; however, if the Debt Committee has concerns after your initial letter has been reviewed, a meeting may be requested.

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Q:Do I need to sign a Federal Direct Loan Promissory Note (MPN)?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete a new Direct Loan master promissory note. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov. Note: When choosing the State of your school, you must choose MA (not NC).

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Q:Am I required to complete a Direct Loan ENTRANCE Counseling tutorial online?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete an Entrance Counseling tutorial online. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov. Once completed online, the Financial Aid office requests a copy of the confirmation page sent to GCTS to include with your Financial Aid file documents.

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Q:Am I required to complete a Direct Loan EXIT Counseling tutorial online?
A:

When a GCTS student Federal loan borrower has dropped below half-time status, withdrawn, takes a leave of absence or graduates, the Federal Government regulates that they must complete an online Exit Counseling tutorial. GCTS takes compliance with this regulation seriously and will not honor official transcript requests or give out a diploma until this requirement is completed. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov.

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Q:How am I supposed to keep track of all my correspondence and records?
A:

We recommend that you create a file system to organize your financial aid records – a binder for hardcopies and an online folder set up on your computer for electronic communication.

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Q:Where do I find the basic eligibility requirements for Federal aid?
A:

Federal aid is subject to extensive regulations with which GCTS must comply. These affect your eligibility for financial aid (sometimes retroactively!). You need to become familiar with the basic regulations so that you can avoid serious dilemmas. Please carefully read and understand your award terms and conditions and all the materials provided to you by our office and by the Direct Loan servicing center. If you have questions, please contact the Financial Aid Office.

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Q:What expenses can I pay with loan funds?
A:

Federal loan funds are intended to help students with tuition, books, fees and living expenses. Any loan refund you receive is for this purpose.

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Q:When are loans disbursed?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first FALL, SPRING or SUMMER semester loan disbursements are expected 2-3 weeks after classes begin. In general, the timing of disbursements for the Charlotte Campus is the second week of October (FALL), first week of March (SPRING) and the second week of June (SUMMER). The Financial Aid office will send notification via email that the funds have been posted to your account.

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Q:Are loans available for summer courses or is it considered part of spring semester for financial aid purposes?
A:

In general, students are awarded only for fall/spring semesters. The Financial Aid Office does not automatically award summer loans. Summer loans are by request of the student and are considered either headers or trailers to a school year. If you need a summer loan, you will need to have a completed FAFSA and GCTS form for that year. If you have remaining loan eligibility for the current year, you may request a summer loan within the current academic year. If you have already maxed out your sub/unsub Stafford eligibility for the current year, a FAFSA and GCTS must be completed for the next school year. In this case, a summer loan would have to be a header to the next academic year. Whatever you are awarded for the summer in loans will reduce your overall maximum loan eligibility for the following fall/spring. The total amount of Stafford subsidized/unsubsidized loan in any academic year a graduate student may receive is $20,500.

Any student who wants a summer loan may contact the Financial Aid Office come April or thereafter. As long as the FAFSA and GCTS form are in, we can determine the loan award you are eligible for in the summer. Disbursement will not be until after the summer session begins. No loans may be processed after the last day of class for the summer session they are requesting a loan for.

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Q:What is a Direct Grad PLUS loan?
A:

This loan allows you to borrow up to the cost of attendance minus any financial aid you may be receiving. Cost of attendance includes tuition, room and board, books and other miscellaneous expense. The PLUS loan is based on your credit. These loans have a fixed rate. If eligible, you are strongly encouraged to take out the maximum amount of your subsidized and unsubsidized Stafford loans before considering a Grad PLUS loan. For more information about Perkins Loans and interest rates, visit the Student Loans / SAP page.

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Q:What academic requirements or conditions must be met in order to receive financial aid?
A:

You must be making satisfactory academic progress before loan funds may be received. Satisfactory academic progress is defined as: 1) maintaining a GPA consistent with or higher than the minimum required for the student’s degree program; 2) maintaining a completion rate of 67% or higher for all courses attempted (including withdrawals); and 3) being on track to complete the student’s degree program within 150% or less of the credits required for the program.

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Q:Am I eligible for a Federal student loan if I do not have a bachelor’s degree?
A:

A student must possess a bachelor’s degree or have completed, at minimum, the equivalent of three previous years of full-time academic study in order to be eligible to receive Title IV funds. (These three years could include full-time study at Gordon-Conwell). Once you have completed three years of full-time academic study, then you may apply for and receive Federal student loans.

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Charlotte Scholarship FAQ’s

Charlotte Scholarship Answers

Q:What kind of scholarship is available through Gordon-Conwell?
A:

The GCTS scholarship and grant programs are summarized on our Scholarships and Grants page. Please visit this page for more information and to complete an application (if needed).

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Q:Are there any scholarships available outside of GCTS that I might apply for?
A:

Funding from outside sources is possible. Gordon-Conwell students receive scholarships and grants from a number of foundations and organizations. Awards can depend on denomination, undergraduate school affiliation, scholastic ability, previous vocation, etc. The Financial Aid may assist by certifying educational cost for the potential recipients of these funds, but the student must take the initiative to make inquiries and apply to outside sources. We suggest students make themselves aware of other sources through inquiries to denominational headquarters, churches, libraries, etc. To view some suggested outside sources, visit our Funding from Other Sources page.

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Q:Is my grant or scholarship taxable?
A:

Possibly. If you receive grant or scholarship funds that will exceed tuition and fees you should read Publication 970, “Scholarships and Fellowships” published by the Internal Revenue Service. This publication can be downloaded from the IRS website.

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Charlotte Student Accounts FAQ’s

Charlotte Student Accounts Answers

Q:How do I view my bill and pay online?
A:

Click here for instructions.

Please note that we accept credit cards for: 

  • Student Account Payments (tuition, fees, etc.)
  • Application Fees
  • Doctor of Ministry Matriculation Deposits

Please note that we cannot accept credit cards for:  

  • Psych Testing Fees
  • Housing Application Fees
  • Housing Security Deposits
  • Rent Payments

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Q:I made a payment online, but I don’t see it on my student account. Why is this?
A:

There are a couple possibilities why your payment would not be showing up on your student account:

  • The payment has not yet been posted. Unfortunately, payment posting does not happen automatically. Our aim is always to have your payment posted on the next business day.
  • The incorrect drop-down option was chosen when making your online payment. If you do not choose your specific campus account (Hamilton Student Account, Charlotte Student Account…etc) on the payment screen, your payment will not go to the right place. If you believe that you selected the wrong account, please contact us. We can research your payment and take the appropriate actions to transfer the funds to your appropriate campus account.

Email: [email protected]

Phone: (978) 646-4049

 

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Q:I want to send a payment through the mail. Where should I send the check?
A:

Gordon Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

Note: Please do not send cash through the mail. Please only send checks, money orders and cashier’s checks.

Note: Please include your name and Student ID# on the memo line of the check to ensure that it goes to the correct account.

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Q:If a third party wants to make a payment toward my student account, what information do they need to include to make sure the payment is applied to my student account?
A:

If they are sending GCTS a check, they should include your name and ID number (either on an attached letter or on the check memo line). Please note that if the organization is paying more than you owe, they must give us written permission before we can release excess funds to you for your personal use. Please have the organization send the payment to the following address:

Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

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Q:If I have VA funds needing to be processed, whom should I contact?
A:

If you are part of AmeriCorps, GoArmyEd, MyCAA or WAWF, please contact Jenna Lanoue in the Student Accounts Office. You may contact her by the following means:

Email: [email protected]

Phone: (978) 646-4045
Fax: (978) 646-4601

If you are a part of the Chapter 30, 31, or 33 program through the VA, please contact Donovan Campbell at the Charlotte campus. He will work with you to process your GI Bill paperwork.

Email: [email protected]

Phone: (704) 527-9909

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Q:What will happen if I can’t pay in full by the last deadline?
A:

If you cannot pay in full by the last deadline, please contact the student accounts office to set up a personalized payment plan. Setting up and maintaining a payment plan will prevent your account from being sent to a collections agency.

Email: [email protected]

Phone: (978) 646-4049

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Q:My bill went to the wrong place. How can I change my billing address?
A:

You may change your billing address by logging into your CAMS Student Portal or by filling out a Change Address Request Form. We must have a signed request on file per FERPA regulations.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

Please note that if your bill goes to the wrong location, you are still accountable for paying by the specified deadlines as it is your responsibility to keep your billing address current. Furthermore, your bill is available online through your CAMs student portal.

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Q:How often are statements sent out?
A:

Our aim is to send statements before each payment deadline if there is an owed balance. Because of the magnitude of bills that we send out and the potential for postal delays, there is no specific time frame that we can guarantee receipt of bills. Because your balance can always be seen on the CAMS student portal, you are accountable for paying your balance by the deadlines even if you receive your bill later than you would prefer.

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Q:Why is my account on hold?
A:

If your account is on hold, you most likely have an unpaid balance. If you believe your account has been mistakenly put on hold, please contact our office. If we can verify that your account is paid in full, we can lift the hold for you immediately. Unfortunately, our system does not automatically lift a hold after a payment is made. It is a manual adjustment that we must make to your account, so please contact us if you have paid your account in full online and need your hold lifted immediately for registration purposes.

Email: [email protected]

Phone: (978) 646-4049

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Q:Why are there late fees on my account?
A:

If you received one or more late fees, you most likely missed one (or more) of the payment deadlines. Please see your specific campus’ Academic Calendar for the specific payment deadlines.

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Q:What is the student services fee?
A:

The student services fee is an administrative fee charged to all registered students. This fee helps to cover the cost of running the various offices at the Seminary (postage, paper, supplies…etc) and helps to provide our students with the services they enjoy throughout the seminary.

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Q:I would like someone else to have access to my student account. How can I give this person permission?
A:

Someone can access your account only if you have given us written permission for them to do so. If you would like someone to have regular access to your account, please  fill out our Account Access Form and fax/mail this form to the Student Accounts office.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

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Q:If I am expecting loans, when will the loans be visible on my account?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first FALL, SPRING or SUMMER semester loan disbursements are expected 2-3 weeks after classes begin. The Financial Aid office will send notification that the funds have been posted to your account. Please contact the Financial Aid Office at (978) 646-4058 if you have any additional questions.

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Q:When will I be able to withdraw the excess funds from my student account?
A:

GCTS Grants and Scholarships: Credits created from GCTS grants and scholarships will not be available for withdrawal until the first business day after the final add/drop date for each semester. Please do not request these funds until that time as we will not be able to process them. To request these funds, please call or email the Student Accounts office.

Federal Loans: Excess created by loans is available for withdrawal immediately after it has been disbursed to your student account. The Financial Aid office will notify you that the funds have been disbursed and provide a form for you to use when requesting to withdraw the excess funds.

Outside Funding: If you have a credit on your student account created by a payment made by an outside donor, you may request these funds at anytime, as long as we have a form on file from the donor permitting you to withdraw these excess funds for personal use.

Email: [email protected]
Phone: (978) 646-4049
 

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Q:Whom do I contact if I have a question about scholarships?
A:

Please contact Stacey Glidden in Financial Aid.

E-mail
Phone: (978) 646-4059
Fax: (978) 646-4601

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Q:When can I set up a personalized payment plan?
A:

You may set up a personalized payment plan after the final semester deadline. Please note that setting up a payment plan will not remove the late fees that were placed on your account throughout the semester. Setting up and maintaining a payment plan prevents your account from being sent to collections. Please contact our Student Accounts Assistant at (978) 646-4049 to set up a personalized payment plan.

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Q:How do GCTS personalized payment plans typically work?
A:

The Gordon-Conwell policy is for payment plans to be complete within a year. We would divide your balance by 12 to determine how much you need to be paying monthly. Payments are due by the last day of every month. We do not accept advance payments (paying extra in January to cover February, too). We must see payments coming in every month in order for your plan to remain current. Defaulting on a payment plan (either by incomplete payment or non-payment) could result in your account being sent to a collections agency.

Please note if you miss one payment, you will receive a default letter. You may make up the payment by paying the current month’s payment and the missed month’s payment. If you miss two payments, you will be sent to collections automatically.

Please note that if you are on a payment plan, you are not eligible to register for future courses, receive transcripts, or a diploma until the balance is paid in full.

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Q:Do I have a Gordon-Conwell e-mail account? I didn’t realize I had a Gordon-Conwell e-mail account.
A:

All students have a Gordon-Conwell e-mail address. It is important to check this account regularly or have it forwarded to a personal account as offices use this email to send important information to students. To access it, please follow these steps:

  1. Go to the main GCTS site
  2. Click on “Current Students”
  3. Click on “Webmail”
  4. Enter your email address, which is typically your first initial followed by your last name unless you have a common last name. Contact the IT help desk for details (see below).
  5. Enter your password, which, if you have not been accessed this before, should be your student ID number.

If you are still unable to access your e-mail, please contact the IT helpdesk:

Phone: (978) 646-4357
E-mail

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Q:Can books be charged to my student account?
A:

Please contact the Student Accounts office for more details about charging books to your student account. Depending on which campus you attend, there may be certain restrictions on the amount of excess you are required to have on your student account and the timeframe that you are permitted to charge books to your account.

Email: [email protected]

Phone: 978-646-4049

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Q:Why is the seminary charging a fee for the use of my credit card?
A:

Gordon Conwell Theological Seminary is committed to providing students and their families a range of options for paying their educational expenses. The credit card payment method is becoming prohibitively expensive because of the fees credit card companies charge GCTS. Therefore, a convenience fee will be added to all credit/debit card payments to offset the processing fee the seminary must pay to the credit card company.

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Q:If I use my debit card to pay my student account charges, will I be charged the convenience fee?
A:

 Yes. If you use your debit card like a credit card to pay your student account charges you will be charged the convenience fee.

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Q:Is there any way I can avoid paying a convenience fee?
A:

You can avoid paying the convenience fee by paying online with an electronic check (ACH). ACH will debit your checking or savings account and may be processed online using the CAMS Student Portal. You may also send a check to the Student Accounts Office in Kerr 321 or mail it to the address below:
GCTS
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
(Please remember to include your Student ID whenever you pay by check)
 

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Q:Are other graduate schools and universities charging a convenience fee for credit card transactions?
A:

Yes, an increasing number of schools are collecting convenience fees for credit/debit card transactions. Credit card convenience fees are not unique to GCTS.

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Q:What credit cards are accepted by GCTS for payment of tuition and fees?
A:

We accept VISA, MasterCard, American Express, and Discover. Credit card payments can be made online via the secure CAMS student Portal.  

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Q:How is the convenience fee percentage established?
A:

TMS has established a flat 2.99% fee for all credit card transactions. 

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Q:Can I make a credit card payment over the phone?
A:

You can pay over the phone by contacting the TMS service center at 1-800-722-4867. You’ll need to provide them with school specific information, including your student ID. You must also verify your balance in advance of making payment as TMS does not have access to your student account information.  

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Q:Can I pay in person using a credit card?
A:

Credit card payments may be made through your CAMS student portal at the Student Accounts Office in Kerr 321 at a kiosk at the cashier window. The office is open Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. The convenience fee still applies for credit card payments made in person.  

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Q:If I make a credit card payment in error will my convenience fee be refunded?
A:

No. The convenience fee is not refundable, even if the payment to which it relates is cancelled, refunded, credited, or charged back.  

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Q:Will the convenience fee be included on my student account statement?
A:

The convenience fee is assessed in addition to the payment for your student account. The convenience fee will not appear as a charge on your student account, it is part of your credit card transaction and not included in your student account charges. 

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Q:Who do I contact with additional questions?
A:

You can contact the student accounts office by phone at 978-646-4049 or by email at [email protected] You can also come see us in Kerr 321 Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. 

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Q:When is the PAY IN FULL deadline?
A:

Payment in full is due one week following the initial add/drop date. The add/drop date is the first Friday of classes. For example, Fall 2016 add/drop is Friday September 16. The first payment deadline for FA16 is Friday, September 23. For students on the payment plan: payments are due on the 10th of each month. If the deadline falls on a weekend or holiday, payment is due the following business day.

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Q:How can I pay in full?
A:

100% payment includes: Financial Aid Award Acceptance for 100% of tuition & fees, Direct Payment by credit card or check for your complete balance (CHECK must be processed in Hamilton), Certificate of Eligibility (VA) for 100% tuition, Official Award letter from church or outside scholarship confirming an amount that meets or exceeds tuition and fees for the term.

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Q:How do I make payment?
A:

• Online through CAMS student portal
• ACH through CAMS student portal
• Calling TMS service line
• At a kiosk in the Cashier’s office (Hamilton)
• By Check or Cash at the cashier window (Hamilton)
• Check by mail; send to:
GCTS Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

*If you are a student at Boston, Charlotte, Jacksonville, or in a non-residential program (DMIN/HMP) we recommend you mail check payments directly to our Hamilton campus. All student accounts payments are processed in Hamilton.

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Q:What if a third party is going to pay for my account?
A:

At any time you may request an invoice if needed to present an employer, church, or other outside source that has committed to making payment on your account. You are responsible to communicate with the outside party to ensure payment is receive on or before the pay in full deadline. We recommend requesting invoices well in advance to ensure prompt payment. If your outside support is not expected to be processed in time for the deadline you will either want to plan for the payment plan fee or make personal payment in full to be reimbursed when outside funds are processed to your student account. 

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Q:Can you automatically withdraw from my personal bank account?
A:

For in-semester payment plans we do not arrange for auto withdrawal from personal accounts. We do recommend you contact your bank for scheduled payment options if you’d like the have auto-checks delivered monthly.  

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Q:How do I sign up for a payment plan?
A:

At this time any student not paid in full on the deadline will automatically be enrolled in the payment plan.

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Q:Do I have to pay the fee?
A:

Any account not paid in full on the payment deadline will incur the Payment Plan Fee five business days following the payment deadline. The fee is non-waivable and non-refundable.  

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Q:How much is the fee?
A:

The payment plan fee is a one-time $50 fee assessed five business days following the Pay In Full deadline.  

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Q:How do I calculate what to pay?
A:

Your monthly payments should be based on your TOTAL balance (all tuition, fees, and posted charges). On October 10th 50% of your total balance is due. On November 10th 75% of your total balance is due. On December 10th 100% of your balance is due. For example, if you owe $1000 TOTAL (including the payment plan fee) you would pay $500 on October 10, $250 on November 10, and $250 on December 10. 

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Q:How do I know what my balance is?
A:

Your balance is a combination of tuition and seminary related fees. You have access to your balance in your CAMS student portal (after logging in click on “My Ledger”) you may also call our offices during business hours (M-F 8-4:30) 978-646-4049 or inquire by email to [email protected]

 

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Q:Can I include a past due balance?
A:

All balances must be paid in full prior to enrolling in future coursework. Prior balances cannot be included in an in-semester payment plan and must be paid in full before registering for future coursework.

 

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Q:Can I pay ahead on my payment plan?
A:

Yes, you can pay ahead on your payment plan and complete payments prior to the deadline or in greater amount than required.  

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Q:What happens if I miss a payment?
A:

Missed payments are at risk of incurring a late payment fee. Late payment fees will be assessed five business days following each payment deadline. The late payment fee is $20 per missed payment. 

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Q:What happens if I can’t pay by the end of the semester?
A:

Students with balances will be placed on a Student Account Hold. This hold prevents future registration, receipt of transcripts, and diploma issuance when applicable. If you’ve registered for future coursework you will be deregistered and you will be contacted to begin a past due payment plan. Please contact the Student Accounts Coordinator for more information on past due payment plans.

 

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Q:How can I get the hold lifted?
A:

Holds can be lifted and services will be restored (including registration) when the balance is paid in full. The hold is lifted by the student accounts team approximately one business day after the account has been paid. 

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Q:Does this include health insurance?
A:

If you are a Hamilton or Boston student meeting the registration requirements and opting not to waive student health insurance your insurance charges are considered part of your student account balance and must be included in your pay in full/payment plan calculations. Please contact our offices if you have further questions about student health insurance charges. 

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Q:When can I expect to see charges?
A:

You can expect to see tuition, fees, and general institutional scholarships posted related to Fall in early September. For January and Spring they will post in January. Summer terms will post the first day of classes. 

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Q:When can I expect to see scholarships?
A:

If you are receiving grant in aid or other individualized institutional scholarships you can expect to see those scholarships applied shortly following the add/drop period. General institutional scholarships (Partnership, Graham, etc.) will be posted alongside your tuition. 

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Q:What if I still have questions?
A:

Call the Student Accounts Office at 978-646-4049 M-F from 8:00am to 4:30pm or email [email protected] for more information. 

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Charlotte What If FAQ’s

Charlotte What If Answers

Q:What happens if I drop classes after receiving aid?
A:

This is a potentially serious situation for students receiving federal aid. If you drop below half time after receiving federal loan funds, we must check to determine whether you are eligible to keep the funds you have received. You must have at least attended classes at a half time level before dropping. If not, GCTS will return all loan funds applied toward tuition and fees and bill you for these charges instead. If you drop all classes, GCTS must calculate a portion of your loan to be returned to the lender. This also may result in a large balance due on your student account and difficulty registering for a future semester.

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Q:What if I fail Financial Aid Satisfactory Academic Progress?
A:

Students with financial aid who fail the FASAP measurements for two consecutive semesters become ineligible for further financial aid until such time in a future semester as they pass the GPA requirement again.

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Q:What if I register below half-time?
A:

If you register below half-time in a semester, you will not be eligible for either Federal financial aid of loans or GCTS grant monies. If you already have a loan the current disbursement and all future disbursements will be cancelled. You will have to apply for a new loan to cover any future semesters in which you plan to be enrolled at half-time or greater.

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Q:What if I have extraordinary expenses? Can these be considered in my financial aid?
A:

You may be able to receive additional financial aid in the form of loans if you have unanticipated and unavoidable medical or disability related expenses that are not covered by any other means. To request further consideration, you must submit a written petition with documentation of the specific expenses. (Please keep in mind: Financial aid is not designed to meet all the needs that students may have, such as paying for credit card debt, high mortgage/rent, or car payments, etc.)

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Q:What if I’m not a U.S. citizen?
A:

You must be a U.S. Citizen or Permanent Resident to receive federal aid. Other types of loans from private lenders may be available to students on an F1 or J1 visa, but these require a co-signer who is a U.S. Citizen or Permanent Resident.

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Q:What happens if incoming loan funds exceed the charges on my student account?
A:

When loan funds arrive they are automatically applied to current charges for tuition and fees. If you have signed a Title IV Disbursement Agreement which is on the GCTS Financial Aid form, then loan funds will also pay other charges if owed to GCTS. A refund will be processed for any funds remaining after the charges are paid per your request. Please contact the Student Billing office in Financial Services (978) 646-4049 or by sending an email regarding this request. Otherwise, monies will remain on the students account.

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Q:What if I still have needs not met by my financial aid from GCTS. How do I find additional aid?
A:

Students at GCTS receive additional aid from a tremendous variety of sources including churches, family, mission agencies, etc. We suggest you research possibilities through your church, denomination and any other organizations to which you belong. Check out our “Funding Other Sources” webpage for more search options for information. Any applications for outside aid are by the initiative of the student. If verification of enrollment is needed, please contact the Registrar office.

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Jacksonville Application FAQ’s

Jacksonville Application Answers

Q:How do I apply for Financial Aid at GCTS?
A:

There are two forms to complete and submit to apply for Financial Aid at GCTS. They are the FAFSA and the GCTS Financial Aid Form. Links are found under “Applying for Financial Aid” on our website. The Financial Aid office collects these forms and begins an ongoing process of awarding new and returning students. These awards are sent via email, generally to the GCTS email or to the email that was listed on your FAFSA. If you have not submitted both forms, you will not receive any notice or award from GCTS.

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Q:Why is so much paperwork and time necessary to process my financial aid application?
A:

Some of the Institutional grant programs like the Presidential and Cohort program at GCTS require applying by sending in the appropriate form found on the website. You can find specific information regarding the Presidential Scholarship and the Cohort Tuition Scholarship on our Tuition Options page.

If the student is applying for loans, both the FAFSA and GCTS form need to be submitted to the Financial Aid office before we are able to offer a student an accurate Financial Aid award based on the information provided in these two forms. In order for GCTS to participate in federal aid programs we must comply with numerous federal regulations. Each application for financial aid goes through a detailed review process. Some applicants are selected by the government for a process called verification. In such cases we must collect further documentation and compare it with all other information in your file. This takes time.

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Q:How long will it take for my Financial Aid Application to be processed?
A:

If you turn in your form by the priority deadline, you can expect an awards notification letter one month later. These are sent via email, usually to the email address that is on the FAFSA. For example, a new student who turned in their application (FAFSA and GCTS form) by the priority deadline of May 30 can expect to receive an award notification by mid June. If you did not turn both forms by the deadline, you can expect an award letter emailed as soon as possible after both forms are received. If you have submitted both the FAFSA and GCTS form and have not been awarded by July 1st, contact the Financial Aid office to see if there is a problem.

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Q:I applied to GCTS, but haven’t been admitted. I also applied for financial aid. When will I hear back about financial aid?
A:

If you applied for admission and also for financial aid, you will hear from the Financial Aid Office after you have been accepted.

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Q:How does my admission status (limited enrollment, visiting, provisional, etc.) affect my financial aid?
A:

Only students admitted into a degree seeking or certificate program may receive financial aid.

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Q:What can delay my financial aid beyond the normal processing time?
A:

The common delays are due to:

  • Incomplete, incorrectly completed, or late applications
  • Failure to submit requested documentation in a timely manner
  • An address or phone number that has not been updated
  • Certain issues which require a long time to resolve, such as a default on a prior student loan, failure to register for the Selective Service, etc.

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Q:How do I know how much I need?
A:

Begin by estimating your budget for the school year. Costs vary widely by campus and program and depend on each student’s pace of study. You should consider at least the following expenses in estimating your budget:

  • Tuition
  • Living costs such as Room and Board
  • Books
  • Travel, Health Insurance and other Misc. costs

Compare the cost of your program with incoming resources from at least the following:

  • Work
  • Family
  • Church
  • Other sources

The amount that remains is your financial need. Consider your options to reduce this need, e.g. reducing living expenses, increasing income from work, seeking additional outside support and/or accepting all or part of your financial aid award.

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Q:How is financial aid applied to my student account?
A:

Financial aid loans are electronically posted to your student account. Loan funds arrive by Electronic Funds Transfer (EFT) and are posted to your account the same week they arrive. Before any funds are applied to your student account, a series of eligibility checks determine whether you still meet the criteria to receive them.

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Q:Who do I talk to about my bill or my student account
A:

Contact the Student Billing office in Financial Services at (978) 646-4049 or by sending an email. (Note: this is not the Financial Aid office.)

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Jacksonville Loan FAQ’s

Jacksonville Loan Answers

Q:What if I don’t want the full amount of loans offered in the Award Package?
A:

You may reduce or cancel any part of your financial aid package. You may have been offered more loan money than you want or need. Simply enter the reduced amount you want to accept.

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Q:What if I decline all or part of my loan award now but then later decide that I need it?
A:

You may reapply for loans later if you still meet the eligibility requirements. Contact the Financial Aid Office.

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Q:Should I borrow the maximum amount? What choice do I have?
A:

You are encouraged to borrow the minimum that you need. Many GCTS students take steps to avoid or minimize borrowing, including:

  • Full or part-time work
  • Studying part-time
  • Obtaining support from churches, family, friends, organizations, etc.
  • Choosing a simple, low-cost lifestyle while at GCTS
  • Coordinating work and study with a spouse

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Q:What is the “Indebtedness Policy” at GCTS?
A:

The Seminary sets a limit of $40,000 for individual student educational indebtedness, including debt incurred at previous schools you have attended. If a student New or Returning is nearing or has exceeded a Federal Student Loan debt of $40,000, they are sent a notice stating they must write a letter to the Debt Committee that reviews their plan for further borrowing and plans to make future repayment in light of salary expectations. The Financial Aid Debt Committee will evaluate all future borrowing requests which would take an individual above this $40,000 limit. (Note: this limit is extended to $45,000 if the student is graduating within the academic year.) Most requests are approved; however, if the Debt Committee has concerns after your initial letter has been reviewed, a meeting may be requested.

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Q:Do I need to sign a Federal Direct Loan Promissory Note (MPN)?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete a new Direct Loan master promissory note. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov. Note: When choosing the State of your school, you must choose MA (not NC).

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Q:Am I required to complete a Direct Loan ENTRANCE Counseling tutorial online?
A:

If you are new to GCTS and/or applying for Federal Student Loans for the first time at GCTS you will need to complete an Entrance Counseling tutorial online. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov. Once completed online, the Financial Aid office requests a copy of the confirmation page sent to GCTS to include with your Financial Aid file documents.

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Q:Am I required to complete a Direct Loan EXIT Counseling tutorial online?
A:

When a GCTS student Federal loan borrower has dropped below half-time status, withdrawn, takes a leave of absence or graduates, the Federal Government regulates that they must complete an online Exit Counseling tutorial. GCTS takes compliance with this regulation seriously and will not honor official transcript requests or give out a diploma until this requirement is completed. You will need your FAFSA pin number to access your account at the following website: www.studentloans.gov.

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Q:How am I supposed to keep track of all my correspondence and records?
A:

We recommend that you create a file system to organize your financial aid records- a binder for hardcopies and an online folder set up on your computer for electronic communication.

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Q:Where do I find the basic eligibility requirements for Federal aid?
A:

Federal aid is subject to extensive regulations with which GCTS must comply. These affect your eligibility for financial aid (sometimes retroactively!). You need to become familiar with the basic regulations so that you can avoid serious dilemmas. Please carefully read and understand your award terms and conditions and all the materials provided to you by our office and by the Direct Loan servicing center. If you have questions, please contact the Financial Aid Office.

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Q:What expenses can I pay with loan funds?
A:

Federal loan funds are intended to help students with tuition, books, fees and living expenses. Any loan refund you receive is for this purpose.

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Q:When are loans disbursed?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first FALL, SPRING or SUMMER semester loan disbursements are expected 2-3 weeks after classes begin. In general, the timing of disbursements for the Jacksonville Campus is the second week of October (FALL), first week of March (SPRING) and the second week of June (SUMMER). The Financial Aid office will send notification via email that the funds have been posted to your account.

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Q:Are loans available for summer courses or is it considered part of Spring semester for financial aid purposes?
A:

In general, students are awarded only for FALL/SPRING semesters. The Financial Aid Office does not automatically award summer loans. Summer loans are by request of the student and are considered either headers or trailers to a school year. If you need a summer loan, you will need to have a completed FAFSA and GCTS form for that year. If you have remaining loan eligibility for the current year, you may request a summer loan within the current academic year. If you have already maxed out your sub/unsub Stafford eligibility for the current year, a FAFSA and GCTS must be completed for the next school year. In this case, a summer loan would have to be a header to the next academic year. Whatever you are awarded for the summer in loans will reduce your overall maximum loan eligibility for the following fall/spring. The total amount of Stafford subsidized/unsubsidized loan in any academic year a graduate student may receive is $20,500.

Any student who wants a summer loan may contact the Financial Aid Office come April or thereafter. As long as the FAFSA and GCTS form are in, we can determine the loan award you are eligible for in the summer. Disbursement will not be until after the summer session begins. No loans may be processed after the last day of class for the summer session they are requesting a loan for.

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Q:What is a Direct Grad PLUS loan?
A:

This loan allows you to borrow up to the cost of attendance minus any financial aid you may be receiving. Cost of attendance includes tuition, room and board, books and other miscellaneous expense. The PLUS loan is based on your credit. These loans have a fixed rate. If eligible, you are strongly encouraged to take out the maximum amount of your subsidized and unsubsidized Stafford loans before considering a Grad PLUS loan. For more information about Perkins Loans and interest rates, visit the Student Loans / SAP page.

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Q:What academic requirements or conditions must be met in order to receive financial aid?
A:

You must be making satisfactory academic progress before loan funds may be received. Satisfactory academic progress is defined as: 1) maintaining a GPA consistent with or higher than the minimum required for the student’s degree program; 2) maintaining a completion rate of 67% or higher for all courses attempted (including withdrawals); and 3) being on track to complete the student’s degree program within 150% or less of the credits required for the program.

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Q:Am I eligible for a Federal student loan if I do not have a bachelor’s degree?
A:

A student must possess a bachelor’s degree or have completed, at minimum, the equivalent of three previous years of full-time academic study in order to be eligible to receive Title IV funds. (These three years could include full-time study at Gordon-Conwell). Once you have completed three years of full-time academic study, then you may apply for and receive Federal student loans.

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Jacksonville Scholarship FAQ’s

Jacksonville Scholarship Answers

Q:What kind of scholarship is available through Gordon-Conwell?
A:

The Team Ministry Scholarship is available to married couples that begin attending GCTS the same semester. Learn more about the Team Ministry Scholarship by visiting our Scholarships and Grants webpage.

Some of the Institutional grant programs like the Presidential and Cohort program at GCTS require applying by sending in the appropriate form found on the website. Visit our Tuition Options webpage for more information and a link to an application (if needed).

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Q:Are there any scholarships available outside of GCTS that I might apply for?
A:

Funding from outside sources is possible. Gordon-Conwell students receive scholarships and grants from a number of foundations and organizations. Awards can depend on denomination, undergraduate school affiliation, scholastic ability, previous vocation, etc. The Financial Aid may assist by certifying educational cost for the potential recipients of these funds, but the student must take the initiative to make inquiries and apply to outside sources. We suggest students make themselves aware of other sources through inquiries to denominational headquarters, churches, libraries, etc. A list of suggested outside sources are available on our Funding from Other Sources webpage.

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Q:How do I find additional aid?
A:

We suggest you research possibilities through your church, denomination and any other organizations to which you belong. Check out our Funding Other Sources webpage for more search options for information. Any applications for outside aid are by the initiative of the student. If verification of enrollment is needed, please contact the Registrar office.

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Q:Is my grant or scholarship taxable?
A:

Possibly. If you receive grant or scholarship funds that will exceed tuition and fees you should read Publication 970, “Scholarships and Fellowships” published by the Internal Revenue Service. This publication can be downloaded from the IRS website.

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Jacksonville Student Accounts FAQ’s

Jacksonville Student Accounts Answers

Q:How do I pay view my bill and pay online?
A:

Click here for instructions.

Please note that we accept credit cards for: 

  • Student Account Payments (tuition, fees, etc.)
  • Application Fees
  • Doctor of Ministry Matriculation Deposits

Please note that we cannot accept credit cards for:  

  • Psych Testing Fees
  • Housing Application Fees
  • Housing Security Deposits
  • Rent Payments

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Q:I made a payment online, but I don’t see it on my student account. Why is this?
A:

There are a couple possibilities why your payment would not be showing up on your student account:

  • The payment has not yet been posted. Unfortunately, payment posting does not happen automatically. Our aim is always to have your payment posted on the next business day.
  • The incorrect drop-down option was chosen when making your online payment. If you do not choose your specific campus account (Hamilton Student Account, Charlotte Student Account…etc) on the payment screen, your payment will not go to the right place. If you are not seeing your payment, please contact our office immediately. We can research your payment and take the appropriate actions to transfer the funds to your appropriate campus account.

Email: [email protected]

Phone: (978) 646-4049

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Q:I want to send a payment through the mail. Where should I send the check?
A:

Gordon Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

Note: Please do not send cash through the mail. Please only send checks, money orders and cashier’s checks.

Note: Pleae include your name and Student ID# on the memo line of the check to ensure that it goes to the correct account.

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Q:If a third party wants to make a payment toward my student account, what information do they need to include to make sure the payment is applied to my student account?
A:

If they are sending GCTS a check, they should include your name and ID number (either on an attached letter or on the check memo line). Please note that if the organization si paying more than you owe, they must give us written permission before we can release excess funds to you for your personal use. Please have the organization send the payment to the following address:

Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

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Q:If I have VA funds needing to be processed, whom should I contact?
A:

If you are part of AmeriCorps, GoArmyEd, MyCAA, or WAWF, please contact Jenna Lanoue in the Student Accounts Office. You may contact her by the following means:

E-mail
Phone: (978) 646-4045
Fax: (978) 646-4601

If you are part of the Chapter 30, 31 or 33 Bill, please contact Jeanne Higgins at the Jacksonville campus.

Email: [email protected]

Phone: (904) 354-4800

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Q:What will happen if I can’t pay in full by the last deadline?
A:

If you cannot pay in full by the last deadline, please contact the student accounts office to set up a personalized payment plan. Setting up and maintaining a payment plan will prevent your account from being sent to a collections agency.

E-mail
Phone: (978) 646-4049

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Q:My bill went to the wrong place. How can I change my billing address?
A:

You may change your billing address by logging into your CAMS Student Portal or by filling out a Change Address Request Form. We must have a signed request on file per FERPA regulations.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

Please note that if your bill goes to the wrong location, you are still held accountable to the specified deadlines as it is your responsibility to keep your billing address current. Furthermore, your bill is available online through your CAMs student portal.

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Q:How often are statements sent out?
A:

Our aim is to send statements before each payment deadline if there is an owed balance. Because of the magnitude of bills that we send out and the potential for postal delays, there is no specific time frame that we can guarantee receipt of bills. Because your balance can always be seen on the CAMS student portal, you are accountable for paying your balance by the deadlines even if you receive your bill later than you would prefer.

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Q:Why is my account on hold?
A:

If your account is on hold, you most likely have an unpaid balance. If you believe your account has been mistakenly put on hold, please contact our office. If we can verify that your account is paid in full, we can lift the hold for you immediately. Unfortunately, our system does not automatically lift a hold after a payment is made. It is a manual adjustment that we must make to your account, so please contact us if you have paid your account in full online and need your hold lifted immediately for registration purposes.

E-mail
Phone: (978) 646-4049

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Q:Why are there late fees on my account?
A:

If you received one or more late fees, you most likely missed one (or more) of the payment deadlines. Please see your specific campus’ Academic Calendar for the specific payment deadlines.

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Q:What is the student services fee?
A:

The student services fee is an administrative fee charged to all registered students. This fee helps to cover the cost of running the various offices at the Seminary (postage, paper, supplies…etc) and helps to provide our students with the services they enjoy throughout the seminary.

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Q:I would like someone else to have access to my student account. How can I give this person permission?
A:

Someone can access your account only if you have given us written permission for them to do so. If you would like someone to have regular access to your account, please fill out our Account Access Form and fax/mail this form to the Student Accounts office.

Mailing address:
Gordon-Conwell Theological Seminary
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
Fax: (978) 646-4601

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Q:If I am expecting loans, when will the loans be visible on my account?
A:

If all is in order for your loan to be disbursed, depending on the campus you attend, the first FALL, SPRING or SUMMER semester loan disbursements are expected 2-3 weeks after classes begin. The Financial Aid office will send notification that the funds have been posted to your account. Please contact the Financial Aid Office at (978) 646-4058 if you have any additional questions.

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Q:When will I be able to withdraw the excess funds from my student account?
A:

GCTS Grants and Scholarships: Credits created from GCTS grants and scholarships will not be available for withdrawal until the first business day after the final add/drop date for each semester. Please do not request these funds until that time as we will not be able to process them. To request these funds, please call or email the Student Accounts office.

Federal Loans: Excess created by loans is available for withdrawal immediately after it has been disbursed to your student account. The Financial Aid office will notify you that the funds have been disbursed and provide a form for you to use when requesting to withdraw the excess funds.

Outside Funding: If you have a credit on your student account created by a payment made by an outside donor, you may request these funds at anytime, as long as we have a form on file from the donor permitting you to withdraw these excess funds for personal use.

Phone: (978) 646-4049
E-mail

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Q:Whom do I contact if I have a question about scholarships?
A:

Please contact Stacey Glidden in Financial Aid.

E-mail
Phone: (978) 646-4059
Fax: (978) 646-4601

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Q:When can I set up a personalized payment plan?
A:

You may set up a personalized payment plan after the final semester deadline. Please note that setting up a payment plan will not remove the late fees that were placed on your account throughout the semester. Setting up and maintaining a payment plan prevents your account from being sent to collections. Please contact our Student Accounts Assistant at (978) 646-4049 to set up a personalized payment plan.

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Q:How do GCTS personalized payment plans typically work?
A:

The Gordon-Conwell policy is for payment plans to be complete within a year. We would divide your balance by 12 to determine how much you need to be paying monthly. Payments are due by the last day of every month. We do not accept advance payments (paying extra in January to cover February, too). We must see payments coming in every month in order for your plan to remain current. Defaulting on a payment plan (either by incomplete payment or non-payment) could result in your account being sent to a collections agency.

Please note if you miss one payment, you will receive a default letter. You may make up the payment by paying the current month’s payment and the missed month’s payment. If you miss two payments, you will be sent to collections automatically.

Please note that if you are on a payment plan, you are not eligible to register for future courses, receive transcripts, or a diploma until the balance is paid in full.

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Q:Do I have a Gordon-Conwell e-mail account? I didn’t realize I had a Gordon-Conwell e-mail account.
A:

All students have a Gordon-Conwell e-mail address. It is important to check this account regularly or have it forwarded to a personal account as offices use this email to send important information to students. To access it, please follow these steps:

  1. Go to the main GCTS site
  2. Click on “Current Students”
  3. Click on “Webmail”
  4. Enter your email address, which is typically your first initial followed by your last name unless you have a common last name. Contact the IT help desk for details (see below).
  5. Enter your password, which, if you have not been accessed this before, should be your student ID number.

If you are still unable to access your e-mail, please contact the IT helpdesk:

Phone: (978) 646-4357
E-mail

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Q:Can books be charged to my student account?
A:

Please contact the Student Accounts office for more details about charging books to your student account. Depending on which campus you attend, there may be certain restrictions on the amount of excess you are required to have on your student account and the timeframe that you are permitted to charge books to your account.

Email: [email protected]

Phone: (978) 646-4049

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Q:Why is the seminary charging a fee for the use of my credit card?
A:

Gordon Conwell Theological Seminary is committed to providing students and their families a range of options for paying their educational expenses. The credit card payment method is becoming prohibitively expensive because of the fees credit card companies charge GCTS. Therefore, a convenience fee will be added to all credit/debit card payments to offset the processing fee the seminary must pay to the credit card company.

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Q:If I use my debit card to pay my student account charges, will I be charged the convenience fee?
A:

 Yes. If you use your debit card like a credit card to pay your student account charges you will be charged the convenience fee.

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Q:Is there any way I can avoid paying a convenience fee?
A:

You can avoid paying the convenience fee by paying online with an electronic check (ACH). ACH will debit your checking or savings account and may be processed online using the CAMS Student Portal. You may also send a check to the Student Accounts Office in Kerr 321 or mail it to the address below:
GCTS
Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982
(Please remember to include your Student ID whenever you pay by check)
 

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Q:Are other graduate schools and universities charging a convenience fee for credit card transactions?
A:

Yes, an increasing number of schools are collecting convenience fees for credit/debit card transactions. Credit card convenience fees are not unique to GCTS.

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Q:What credit cards are accepted by GCTS for payment of tuition and fees?
A:

We accept VISA, MasterCard, American Express, and Discover. Credit card payments can be made online via the secure CAMS student Portal.  

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Q:How is the convenience fee percentage established?
A:

TMS has established a flat 2.99% fee for all credit card transactions. 

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Q:Can I make a credit card payment over the phone?
A:

You can pay over the phone by contacting the TMS service center at 1-800-722-4867. You’ll need to provide them with school specific information, including your student ID. You must also verify your balance in advance of making payment as TMS does not have access to your student account information.  

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Q:Can I pay in person using a credit card?
A:

Credit card payments may be made through your CAMS student portal at the Student Accounts Office in Kerr 321 at a kiosk at the cashier window. The office is open Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. The convenience fee still applies for credit card payments made in person.  

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Q:If I make a credit card payment in error will my convenience fee be refunded?
A:

No. The convenience fee is not refundable, even if the payment to which it relates is cancelled, refunded, credited, or charged back.  

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Q:Will the convenience fee be included on my student account statement?
A:

The convenience fee is assessed in addition to the payment for your student account. The convenience fee will not appear as a charge on your student account, it is part of your credit card transaction and not included in your student account charges. 

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Q:Who do I contact with additional questions?
A:

You can contact the student accounts office by phone at 978-646-4049 or by email at [email protected] You can also come see us in Kerr 321 Monday through Friday from 9:00am to 3:30pm. Please note we are closed daily from 1:00-2:00 for lunch and Wednesdays from 11:00-12:00 for Chapel. 

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Q:When is the PAY IN FULL deadline?
A:

Payment in full is due one week following the initial add/drop date. The add/drop date is the first Friday of classes. For example, Fall 2016 add/drop is Friday September 16. The first payment deadline for FA16 is Friday, September 23. For students on the payment plan: payments are due on the 10th of each month. If the deadline falls on a weekend or holiday, payment is due the following business day.

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Q:How can I pay in full?
A:

100% payment includes: Financial Aid Award Acceptance for 100% of tuition & fees, Direct Payment by credit card or check for your complete balance (CHECK must be processed in Hamilton), Certificate of Eligibility (VA) for 100% tuition, Official Award letter from church or outside scholarship confirming an amount that meets or exceeds tuition and fees for the term.

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Q:How do I make payment?
A:

• Online through CAMS student portal
• ACH through CAMS student portal
• Calling TMS service line
• At a kiosk in the Cashier’s office (Hamilton)
• By Check or Cash at the cashier window (Hamilton)
• Check by mail; send to:
GCTS Attn: Student Accounts
130 Essex Street
South Hamilton, MA 01982

*If you are a student at Boston, Charlotte, Jacksonville, or in a non-residential program (DMIN/HMP) we recommend you mail check payments directly to our Hamilton campus. All student accounts payments are processed in Hamilton.

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Q:What if a third party is going to pay for my account?
A:

At any time you may request an invoice if needed to present an employer, church, or other outside source that has committed to making payment on your account. You are responsible to communicate with the outside party to ensure payment is receive on or before the pay in full deadline. We recommend requesting invoices well in advance to ensure prompt payment. If your outside support is not expected to be processed in time for the deadline you will either want to plan for the payment plan fee or make personal payment in full to be reimbursed when outside funds are processed to your student account. 

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Q:Can you automatically withdraw from my personal bank account?
A:

For in-semester payment plans we do not arrange for auto withdrawal from personal accounts. We do recommend you contact your bank for scheduled payment options if you’d like the have auto-checks delivered monthly.  

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Q:How do I sign up for a payment plan?
A:

At this time any student not paid in full on the deadline will automatically be enrolled in the payment plan.

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Q:Do I have to pay the fee?
A:

Any account not paid in full on the payment deadline will incur the Payment Plan Fee five business days following the payment deadline. The fee is non-waivable and non-refundable.  

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Q:How much is the fee?
A:

The payment plan fee is a one-time $50 fee assessed five business days following the Pay In Full deadline.  

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Q:How do I calculate what to pay?
A:

Your monthly payments should be based on your TOTAL balance (all tuition, fees, and posted charges). On October 10th 50% of your total balance is due. On November 10th 75% of your total balance is due. On December 10th 100% of your balance is due. For example, if you owe $1000 TOTAL (including the payment plan fee) you would pay $500 on October 10, $250 on November 10, and $250 on December 10. 

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Q:How do I know what my balance is?
A:

Your balance is a combination of tuition and seminary related fees. You have access to your balance in your CAMS student portal (after logging in click on “My Ledger”) you may also call our offices during business hours (M-F 8-4:30) 978-646-4049 or inquire by email to [email protected]

 

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Q:Can I include a past due balance?
A:

All balances must be paid in full prior to enrolling in future coursework. Prior balances cannot be included in an in-semester payment plan and must be paid in full before registering for future coursework.

 

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Q:Can I pay ahead on my payment plan?
A:

Yes, you can pay ahead on your payment plan and complete payments prior to the deadline or in greater amount than required.  

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Q:What happens if I miss a payment?
A:

Missed payments are at risk of incurring a late payment fee. Late payment fees will be assessed five business days following each payment deadline. The late payment fee is $20 per missed payment. 

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Q:What happens if I can’t pay by the end of the semester?
A:

Students with balances will be placed on a Student Account Hold. This hold prevents future registration, receipt of transcripts, and diploma issuance when applicable. If you’ve registered for future coursework you will be deregistered and you will be contacted to begin a past due payment plan. Please contact the Student Accounts Coordinator for more information on past due payment plans.

 

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Q:How can I get the hold lifted?
A:

Holds can be lifted and services will be restored (including registration) when the balance is paid in full. The hold is lifted by the student accounts team approximately one business day after the account has been paid. 

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Q:Does this include health insurance?
A:

If you are a Hamilton or Boston student meeting the registration requirements and opting not to waive student health insurance your insurance charges are considered part of your student account balance and must be included in your pay in full/payment plan calculations. Please contact our offices if you have further questions about student health insurance charges. 

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Q:When can I expect to see charges?
A:

You can expect to see tuition, fees, and general institutional scholarships posted related to Fall in early September. For January and Spring they will post in January. Summer terms will post the first day of classes. 

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Q:When can I expect to see scholarships?
A:

If you are receiving grant in aid or other individualized institutional scholarships you can expect to see those scholarships applied shortly following the add/drop period. General institutional scholarships (Partnership, Graham, etc.) will be posted alongside your tuition. 

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Q:What if I still have questions?
A:

Call the Student Accounts Office at 978-646-4049 M-F from 8:00am to 4:30pm or email [email protected] for more information. 

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Jacksonville What If FAQ’s

Jacksonville What If Answers

Q:What happens if I drop classes after receiving aid?
A:

This is a potentially serious situation for students receiving federal aid. If you drop below half time after receiving federal loan funds, we must check to determine whether you are eligible to keep the funds you have received. You must have at least attended classes at a half time level before dropping. If not, GCTS will return all loan funds applied toward tuition and fees and bill you for these charges instead. If you drop all classes, GCTS must calculate a portion of your loan to be returned to the lender. This also may result in a large balance due on your student account and difficulty registering for a future semester.
 

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Q:What if I fail Financial Aid Satisfactory Academic Progress?
A:

Students with financial aid who fail the FASAP measurements for two consecutive semesters become ineligible for further financial aid until such time in a future semester as they pass the GPA requirement again.

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Q:What if I register below half-time?
A:

If you register below half-time in a semester, you will not be eligible for either Federal financial aid of loans or GCTS grant monies. If you already have a loan the current disbursement and all future disbursements will be cancelled. You will have to apply for a new loan to cover any future semesters in which you plan to be enrolled at half-time or greater.

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Q:What if I have extraordinary expenses? Can these be considered in my financial aid?
A:

You may be able to receive additional financial aid in the form of loans if you have unanticipated and unavoidable medical or disability related expenses that are not covered by any other means. To request further consideration, you must submit a written petition with documentation of the specific expenses. (Please keep in mind: Financial aid is not designed to meet all the needs that students may have, such as paying for credit card debt, high mortgage/rent, or car payments, etc.)

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Q:What if I’m not a U.S. citizen?
A:

You must be a U.S. Citizen or Permanent Resident to receive federal aid. Other types of loans from private lenders may be available to students on an F1 or J1 visa, but these require a co-signer who is a U.S. Citizen or Permanent Resident.

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Q:What happens if incoming loan funds exceed the charges on my student account?
A:

When loan funds arrive they are automatically applied to current charges for tuition and fees. If you have signed a Title IV Disbursement Agreement which is on the GCTS Financial Aid form, then loan funds will also pay other charges if owed to GCTS. A refund will be processed for any funds remaining after the charges are paid per your request. Please contact the Student Billing office in Financial Services at (978) 646-4049 or by email regarding this request. Otherwise, monies will remain on the students account.

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Q:What if I still have needs not met by my financial aid from GCTS. How do I find additional aid?
A:

Students at GCTS receive additional aid from a tremendous variety of sources including churches, family, mission agencies, etc. We suggest you research possibilities through your church, denomination and any other organizations to which you belong. Check out our Funding Other Sources webpage for more search options for information. Any applications for outside aid are by the initiative of the student. If verification of enrollment is needed, please contact the Registrar office.

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