Course Catalog

Finances/Financial Aid


Financial Assistance

All requests for financial aid assistance should be directed to the Financial Planning Office of the University. Financial aid awards are made following a determination of the applicant’s admission and eligibility. The Free Application for Federal Student Aid (FAFSA) is required for determination of eligibility. The FAFSA can be completed online at


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


A. Federal

1. PELL GRANTS - Grants available to students who have an exceptional need as indicated by their expected family contribution (EFC), which is determined from the results of the FAFSA. These grants range from $890 to $5,550 per year. Awards are prorated for students who are taking less than the full-time requirement of 12 hours (4 courses) per semester.


2. FEDERAL DIRECT STAFFORD LOANS - Federal loans which are available to students who are enrolled at least half-time (6 hours or more). The maximum amount a student can borrow is $12,500 per year provided they have earned at least 60 hours. Repayment begins 6 months after a student drops below half-time status, withdraws, or graduates. The maximum repayment term is ten years.


a. DIRECT SUBSIDIZED STAFFORD LOANS - The interest on subsidized loans is paid by the federal government while the student is enrolled half-time or more. Six months after the student graduates, leaves school, or falls below half-time status, interest begins to accrue. These loans are need-based.

b. DIRECT UNSUBSIDIZED STAFFORD LOANS - Interest on unsubsidized loans begins to accrue at the time the loan is made. The student may begin payment of the interest at that time, or he/she may allow the interest to capitalize. These loans are available to all students who are enrolled half-time (6 hours) or more.


NOTE: The FAFSA must be completed prior to each academic year to qualify for federal aid.


B. In-State


A list of State Programs for eligible North Carolina residents (funding contingent upon state appropriations) is as follows:


The North Carolina Need Based Scholarship Program (NBS) is a great program created by the state legislature for students with an Expected Family Contribution (EFC) of $15,000 or less. The EFC is determined by the results of the Free Application for Federal Student Aid (FAFSA).


The Forgivable Education Loan for Service (FELS) was established by the North Carolina Genereal Assembly in 2011 and the first loans will be available for the 2012-2013 academic year. The loan provides financial assistance to qualified students who are committed to working in North Carolina in fields designated as critical employment shortage areas. Please visit for additional information including eligibility, award amounts, application procedures, and approved education programs.


North Carolina does offer other sources of financial aid based on specific criteria. The College Foundation of North Carolina's website can be used to research and apply for such scholarships. The web address is as follows:


C. GOAL Out of State Grant

Those students who are not North Carolina residents are eligible for a grant worth $1000 per year. The student must enroll full time (12 hours or more) to receive this grant.


NOTE: The GOAL Out of State Grant is not need based, and does not require a FAFSA. You must make the Financial Planning Office aware that you meet the qualifications to receive this grant.


Follow these steps to apply for Financial Aid


1. Apply for admission to Gardner-Webb’s GOAL Program.


2. Initiate the financial aid process by completing a Free Application for Federal Student Aid (FAFSA). Students are encouraged to complete this form as soon as their previous year’s tax forms are completed. (For example: The info from the 2011 federal tax forms are needed for the FAFSA for the 2012-13 school year.) The FAFSA form is available on the web at


NOTE: A new FAFSA must be submitted every year in order to be considered for federal financial aid.

NOTE: Be sure to indicate Gardner-Webb as one of the schools to receive any reports resulting from your financial aid application by recording our Title IV code of 002929 where requested.


3. Any student planning to start the GOAL Program in the summer must complete the current year FAFSA form. For example, if you plan on starting with the summer of 2013, you must complete the 2012-2013 FAFSA.


4. Once your FAFSA is completed, the results will be sent electronically to Gardner-Webb to determine your financial aid eligibility. An email notification and instructions to view and process your financial aid award will be sent to your Gardner-Webb e-mail address.


5. Please check the Eligibility & Requirements section within your MyWebb account to view all requested documentation and missing requirements. Any outstanding requirements must be satisfied to finalize your financial aid award.



Tuition for the 2012-2013 academic year is $345 per semester hour, beginning with Summer Session I, 2012. Tuition increases, when necessary, are usually implemented during the summer term; however, the University reserves the right to change tuition and other charges at the beginning of any semester if such change is necessary in the judgment of the Board of Trustees. Students enrolled in 12 or more semester hours who are legal North Carolina residents and are pursuing their first baccalaureate degree may be eligible for the North Carolina Legislative Tuition Grant. During the 2011-2012 academic year the grant is projected to be $925 each semester for the fall and spring semester. The grant is not available during the summer term.


GOAL students pay the GOAL tuition rate per semester hour, as specified in this catalog, for classes designated as GOAL classes, regardless of the number of hours taken. For any class taught on the GWU campus designated as a GOAL class (classes may be designated as both GOAL and day) the GOAL student pays the GOAL tuition rate.


Most students receive some form of financial aid to offset tuition.



Audit (Per Course)$150.00
Auto Registration (Annual)$40.00
Credit by Exam (Per Credit Hour)$100.00
Graduation Fee$125.00
Late Graduation Fee$100.00
Non-Sufficient Funds/Returned Check$30.00
Online Learning Technology Fee (per online course)$25.00
Replacement Student ID Card$10.00
Textbooks (Estimated Per Semester)$750.00
Transcript Fee$10.00
Transient Credit (Per Course)$50.00
Tuition Late Payment Fee$50.00
Tuition Non-Payment Fee$100.00


Fees are subject to change. Unless otherwise explicitly stated, fees paid to the University are not refundable.



Tuition, fees, and book charges are payable in full at registration; however, the University makes available a deferred payment plan to those GOAL students who prefer to make two payments during the summer/three payments during the fall/spring semester rather than the full payment at registration. Students may sign up for the deferred payment plan when viewing their online bill. The online bill may be accessed through the MyWebb portal on the GWU homepage by using the username and password assigned to the student by Technology Services. Questions about the deferred payment plan may be directed to the business office at 704-406-4287.



Gardner-Webb recognizes that many companies offer tuition reimbursement to their employees. To enable students to take advantage of this benefit, Gardner-Webb will defer the covered portion of the student’s tuition cost until three weeks after the end of the semester. A link providing details about the plan and the documentation required may be found at the bottom of the student’s online bill or they may contact the University Business Office for details on using this plan.



Registration in the University is considered a contract binding the student for charges for the entire semester. However, it is the policy of Gardner-Webb University to give pro-rata charge reductions through 60% of the enrollment period in the event a student OFFICIALLY WITHDRAWS FROM SCHOOL. On-campus program students (Undergraduate and Divinity) must complete and return a withdrawal form to the Registrar’s Office in order to be officially withdrawn. GOAL and Graduate program students may withdraw by telephoning or emailing the Registrar’s office. A confirmation will be sent when the withdrawal is complete. The withdrawal date is the date this process begins.


Reductions will be computed on total charges for tuition, room and board but not on fees. Students leaving school for disciplinary reasons will not be eligible for any reduction and will be liable for the entire semester charges. Students who withdraw from individual classes after the drop/add period will receive no charge reduction.


For purposes of interpreting this policy the pro-rata charge reduction percentage is equal to the number of calendar days (includes weekends) remaining in the semester divided by the number of calendar days in the semester. No charge reduction will be given after the 60% period of enrollment for the semester.


When a student’s charges are reduced, Federal, State, Institutional and Noninstitutional Aid will be adjusted in accordance with the regulations governing the respective programs. Please contact the University Business Office for current regulations concerning these programs. Leaving the University without officially withdrawing may result in a student forfeiting all financial aid and, thus, becoming responsible for the entire balance.



Students with outstanding financial obligations may be prevented from registering for the following semester. A student will not be allowed to participate in commencement exercises or receive a diploma, nor will transcripts be released, until all financial obligations are satisfied. Delinquent accounts may be referred to collection agencies and/or credit bureaus. Financial obligations include, but are not limited to, student account balances, parking, disciplinary and library fines, and returned checks.