2012-2013 College Catalog 
    Feb 03, 2023  
2012-2013 College Catalog [ARCHIVED CATALOG]

Costs and Financial Aid

College of the Ozarks is dedicated to providing a Christian education to worthy students who are without sufficient financial means, but who are willing to work for their education.

The cost to College of the Ozarks for providing an educational opportunity is approximately $17,900 per year for each student. While most colleges and universities pass along a portion of this cost as tuition, this is not the case at College of the Ozarks. The College guarantees to meet all of this cost for each full-time student by using a combination of earnings from its endowment, operating its own mandatory student Work Education Program, as well as accepting student aid grants, gifts, and other sources. As a result, each full-time student’s Cost of Education is met 100% by participating in the Work Education Program and a combination of private, institutional, and federal/state student aid – but without loans of any kind.

Cost of Education – Summary

Cost of Education charge (2012-13) $17,900  
Resources Used:    
  C of O Work Education Program -4,060  
  Pell Grant (if eligible) -602 to -5,550  

Supplemental Educational Opportunity Grant (if eligible)

  Missouri State Grants (if eligible) -2,000  
  C of O Cost of Education Scholarship -$5,290 to -13,840  
Cost to Student zero  

Student’s Expenses

The student is responsible for room, board, fees, and personal expenses.

Those costs for 2012-13 are:

    Fall Spring  
Board $1,500 $1,500  
Room 1,450 1,450  
Health/Technology/Service Fee 215 215  
Books (estimated) 400 400  
  Semester Total $3,565 $3,565  
  Residence Hall Deposit (refundable) 100    
  Vehicle Registration 10 10  

Health/Technology/Service Fee

This fee is charged for ID cards which admit students to cultural and athletic activities and provides a subscription to the campus newspaper, yearbook, some health clinic services, student accident insurance, and Student Senate activities.

Other Costs

Textbooks, laboratory manuals, and workbooks may be purchased by students at the College bookstore. Students may sell most books back to the bookstore at the close of the term. Each semester $300 to $400 should be allowed for the purchase of textbooks and supplies. A Graduation fee of $50 is charged to cover a portion of the costs associated with graduation ceremonies.

Commuting Students

Although primarily a residential college, College of the Ozarks admits a limited number of commuters as a service to the community and region. All commuting students pay a $215 Health/Technology/ Services Fee each semester.

Part-time commuters (11 hours or less) pay $310 per credit hour toward the Cost of Education charge, with the remaining costs met by various grants and the institutional scholarship.

All financial obligations owed the College must be cleared before the student can register for subsequent classes or receive a diploma or transcript.

Financial Aid

College of the Ozarks is committed to providing an educational opportunity for the student who has the ability to do college work, but does not have adequate financial resources. In order to determine need, all students are required to file a Free Application for Federal Student Aid (FAFSA) every year. The application for returning students must be on file in the Financial Aid Office by March 1st each year. Students who do not file the FAFSA by the announced deadline will have a hold applied to registration.  Refer to Registration  for more information. 

Title IV Awards

The Pell Grant

This program is a federal aid program designated to provide financial assistance to those who need it to attend post-secondary institutions. Recipients are determined by the Department of Education’s evaluation of the student’s application for federal student aid. The amount of the Pell Grant is based on both the student’s and his/her family’s financial resources and the cost of attendance at the student’s chosen school. The Pell Grant is credited to the student’s Cost of Education charges.

Campus Work Study Program (CWSP)

All full-time students (enrolled in 12 academic hours or more) at College of the Ozarks must participate in the College work study program. All full-time students work as a minimum contribution to their Cost of Education, as well as being an integral part of their educational experience. An allotment of federal college work study funds (CWSP) may be used each year for students who show the greatest need. Federal CWSP funds are used as a supplement to the College of the Ozarks’ work study funds. College work study wages are determined by the federal minimum wage. Student workstations and other facets of the Work Education Program are detailed in the Student Handbook and the Work Education Program  section of this catalog.

Supplemental Educational Opportunity Grant (SEOG)

These federal funds are available to undergraduate students with exceptional financial need. The maximum SEOG award at the College of the Ozarks is $1,000. A student applies for the SEOG when the student files the FAFSA. The SEOG is credited to the student’s Cost of Education charges.

Missouri State Grant

Grants are available to full-time students who are Missouri residents. Students apply for the Access Missouri Grant when they file the FAFSA. The Access Missouri Grant is credited to the Cost of Education.


Cost of Education Scholarship

The College awards the Cost of Education Scholarship to every student after all grants and work requirements are applied. This serves to meet each student’s cost of education 100% for all full-time students.

Room and Board Scholarships

Room and Board Scholarships are awarded to qualified students who participate in the on-campus summer Work Education Program. Students work twelve 40-hour work weeks. The value of the scholarship for 2012-2013 is $8,113 and is credited to room and board charges for the following year. Summer room and board charges for students participating in the summer Work Education Program are covered by this scholarship. Applications for summer term are made available through a submitted electronic application on Campusweb during the spring semester each year for students who are currently enrolled. Students accepted for the fall term should contact the Admissions Office for application procedures. Students who do not choose to participate in the Summer Work Education Program may elect to retain a campus room at a weekly rate and work at an off-campus job in the Ozark Mountain Country tourist industry. (The rental program is not available for incoming students.)

C of O Book Scholarships

C of O Book Scholarships are awarded to full-time students with exceptional financial need. Students must apply for the scholarship each year. A bookstore credit of $150 per semester is allowed for qualifying recipients. Applications are available through Campusweb and should be submitted by March 15.

Hyer Scholarships

Established under the will of the late L. W. Hyer, these scholarships are presented to over 100 superior students each year. For each semester, each Hyer recipient will receive $200 for purchase of books and supplies or other general expenses. It will be paid by a $100 bookstore credit and a $100 cash credit. The cash credit will be paid by check directly to the student if all cash charges have been cleared. If charges still remain, the $100 cash credit will be applied to the student’s account for charges owed. Applications are available through Campusweb and must be resubmitted each semester. Applications should be submitted by March 15 for fall or November 15 for spring.

McKibben Scholarship for Leaders

Established by the generosity of Dr. Joe T. McKibben, these scholarships are the College’s most noteworthy. McKibben Scholarships are awarded to outstanding students by faculty, staff, and administration.

Athletic Scholarships

Forty-eight athletic scholarships are available each year. The Athletic Director determines these awards.

College of the Ozarks Patriotic Scholarship

Refer to the Military Science  section of the catalog.

General Terrence R. Dake, USMC (Ret.) Aviation Scholarship

College of the Ozarks provides an opportunity for deserving C of O students to apply for a $5,000 scholarship to begin, or advance, their aviation flight training. This scholarship is established to honor the distinguished military aviation career of General Terrance R. Dake, a C of O alumnus and trustee. Interested students may receive more information by contacting Dr. Larsen, Dean of Work Education.

Ozarks Fellowship

Outstanding graduating seniors with a minimum GPA of 3.2 planning to attend graduate or professional school may apply to the Dean of the College for the honor of being designated an Ozarks Fellow. Recipients of this fellowship receive a stipend to aid them financially during their first year of graduate study. Applications should be sent to the Dean no later than April 1 and include a 500-word essay detailing the student’s graduate plans and financial needs, two academic letters of recommendation and one letter of personal reference, and evidence of acceptance to graduate or professional school. Scholarship recipients are announced at the May graduation ceremony.

Other Scholarships

Several funds have been made available by individuals and trust funds to support a special Awards Convocation in the spring of each year. Students for these scholarships are chosen based on citizenship, grades, work performance, leadership, and Christian growth.

Please refer to http://www.cofo.edu for a current listing of scholarships and additional information.

Leo & Violet Adams Scholarship
Alumni Art Scholarship
Clay M. Anderson (Ozark Mountaineer) Scholarship
Associates Work Assignment Scholarship
William G. & Retha Baker Scholarship
Harold & Allyn Barrett Scholarship
Joe Neff Basore Scholarship
Bartlett Respect Scholarship
George S. Beimdiek Scholarship
Mr. & Mrs. Herbert Berg Work Scholarship
H. Norwood & Frances C. Berger Award
Edith Keener Boling Scholarship
Muriel & Carl E. Bolte Memorial Scholarship
Walter Franklin Bradley Scholarship
Breidenthal-Snyder Foundation Scholarship
Joseph E. Brinell Memorial Scholarship
Ray Burley Scholarship
Burlington Northern Sante Fe Foundation Scholarship
Charlotte Byrom Scholarship
Bill Cameron Education Award
J. & M. Carby Scholarship
Lydia Brewer Chester Scholarship
Robert L. Chester Scholarship
Winston Churchill Essay Scholarship
Elizabeth & M. Graham Clark Leadership Scholarship
Ruby Mae Clark Scholarship
Cline-Lofftus Foundation Scholarship
Walter & Marion Cobb Memorial Scholarship
College of the Ozarks Agriculture Endowment
Colene Elmer Croft Scholarship
Curtis Memorial Scholarship
National Society Daughters of American Colonists Scholarship Fund
Olen & Alpha DePew Memorial Scholarship
Waymon M. Dickson, Jr. Music Ministry Memorial Scholarship
Sylvester Doggett Scholarship
Roxana B. Doran Scholarship
Hubert Edwards Scholarship
Wes Edwards Scholarship
Edwin & Francis Ehlers Scholarship
Ernest L. & Berit L. Estes Scholarship
Leon “Shorty” Farrell Scholarship
Dorothea X. Flaherty Memorial Scholarship Fund
J.C., Lela & Janice Franklin Family Scholarship
Florene Briscoe Fratcher Scholarship
Louis & Elsie Fruend Scholarship
Brad Gale Memorial Scholarship
Don & Marie Garner Nursing Program Director Scholarship Fund
Mr. & Mrs. Henry W. Germeroth Memorial Scholarship
Roscoe & Ella Goslin Scholarship
Thomas Howard Groves Scholarship
Barrett E. Gourley Memorial Work Scholarship
John Graham Scholarship
Hale-Bradford Courtesy Award
Betty Hallberg Scholarship
Walter W. & Vonee W. Hammers Scholarship
William H. & Myrtle J. Hedrick Endowment
Ella A. Heimburger Scholarship
Lucille Heimburger Scholarship
Sherman Henry Chemistry & Nursing Scholarships
Isabel P. Hiltbrunner Memorial Scholarship
Kenneth E. Hunt Scholarship
Victor Ingrum Scholarship
Wanah M. Jennings Memorial Scholarship
Marie Jessa Academic Award
Johnson-Robinson Family & Consumer Sciences Award
Alice Wycoff Kalber Memorial Scholarship
William Donald Kirk Scholarship
Burton & Margaret Knouf Scholarship
John Patrick Knox, Jr. Memorial Scholarship Fund
Wayne Konga Music Scholarship
Edwin & Helen Krohn Scholarship
Lake Honor Scholarship
JoAnn Landers Memorial Scholarship
Virginia Gillespie Lucas Scholarship
Mary Lee Thomas Marshall Memorial Scholarship Fund
James & Mary McClung Scholarship
R.H. McCulley Scholarship
Jim McDermott Memorial Science Scholarship
Armstrong McDonald Foundation Scholarship
Kelly McKinnell Memorial Scholarship
Richard & Geraldine Meyer Scholarship
Missouri State Society DAR Scholarship
Marcia Mizell Abernathy Music Theatre Scholarship
James Mott Scholarship in Criminal Justice
John H. Murray English Scholarship
The Samuel L. Murto Memorial Scholarship Fund
National Society Daughters of American Colonists Scholarship
Nancy Stratton Neely Nursing Award
Nilsen Foundation Scholarship
Linda Nottle Memorial Scholarship
Judith K. Oetting Memorial Scholarship
Marvin E. Oetting Memorial Scholarship
Mary E. & Robert D. Newman Scholarship
Genevieve & Ward Orsinger Endowed Scholarship
Ozarks Regional History Award
Claude Parrish Agriculture Scholarship
Ruth Grinstead Peterson Scholarship
Pratt Family Foundation Scholarship
Donald & Clementine Pray Scholarship
Presbyterian Bicentennial Scholarship
Paul M. Robinett Weaving Scholarship
George M. & Elizabeth V. Robinson Scholarship
George C. & Mryna K. (Eggensperger) Roof Scholarship
Dean F. Rouse Scholarship
Geneve Runner Scholarship
William H. & Evelyn H. Shopp Nursing Scholarship
Dewey E. Short Scholarship
Edwin & Kathryn Silverberg Scholarship
Nettie Richarson Simonton Memorial Scholarship
Ethel M. & Howard G. Slagle Scholarship Fund
Eleanor B. Smith Scholarship
Tom Smith Memorial Agriculture Scholarship
Walter W. Venita & Shirley Snelson Scholarship
Roy Southard Scholarship
Student Manager Leadership Award
Karen S. Sweeney Scholarship
Ruth Ramey Sweeney Scholarship
The Golden Rule Award
Ann Liz Thurman Scholarship
James & Virginia Viani Scholarship
Willard & Patricia Walker Scholarship
Chris Waller Scholarship
Carie Diana Washam Memorial Scholarship
Jerrold W. Watson Memorial Scholarship
Karen Watson Memorial Scholarship
Patricia J. Watson Memorial Scholarship
Ama M. & Evelyn M. White Scholarship
Jay L. & Ferne D. Wilder Scholarship
Ben Windham Scholarship
Winfrey Honorary Alumni Scholarship
J. Hugh & Martha Wise Scholarship
Mildred Letton Wittick Scholarship
Mildred Letton Wittick Book Scholarship
The William Carrol Wood Scholarship Fund
Susanna K. Young Scholarship
Alexander Zimmerman Memorial Scholarship

Educational Loans

College of the Ozarks policy strongly discourages student borrowing and therefore does not participate in the Federal Stafford or Federal PLUS loan programs. However, if necessary, students may apply for a private, credit-based educational loan. Eligibility for this loan is based on the credit standing of the applicant, with a minimum credit history of two years usually required. Therefore, most student borrowers need a cosigner. A credit bureau report will be obtained by the lender for the student and cosigner. (It may be possible for a student to borrow on his/her own signature and credit history without a cosigner, but the provisions of the loan will vary.) Students must be enrolled at least half-time (six hours), and the minimum loan is $500. Contact the Financial Aid Office for more information. Please note, College of the Ozarks will be discontinuing private education loans starting Fall 2013.

Responsibilities of Financial Aid Recipients

Academic Standards for Federal and State Aid

Satisfactory academic progress: Students receiving federal or state financial aid must meet the grade point average requirements outlined under “grade probation ” in the Academic Program  section of the College catalog. Students placed on grade probation are also placed on financial aid probation. Continued probation will be considered for students if satisfactory progress toward raising the cumulative GPA is being made.

Appeals of suspension or dismissal must be addressed to the Dean of the College. If the appeal is approved, additional financial aid eligibility will also be granted. If the appeal is denied, the student will not be eligible to receive financial aid until the cumulative GPA requirement has been met or until an appeal has been approved.

Students who have been suspended and subsequently re-apply for admission must meet cumulative GPA requirements in order to receive federal or state financial aid.

Satisfactory Credit Hour Completion

All students receiving federal or state financial aid must complete a minimum number of credit hours each academic year. This requirement will be checked each May, and students will be notified of any deficiencies. Course incompletes must be removed by August 1 each year to count toward hours completed for the previous year. Courses may be repeated for hours credit for this requirement only if they were failed the first time. Repeating a course to improve a grade will not count as additional credit completed.

Full-time/Part-time Status

The number of hours for which a student is enrolled at the end of the add/drop period of a semester (first five class days of the semester) determines his/her status as a full-time or part-time student. Changes in status must be approved in advance by the Dean of Admissions.

Full-time students must complete a minimum of 21 hours per year, three-quarter time students must complete 15 hours per year, half-time students must complete 10 credit hours per year to be considered making satisfactory academic progress for federal and state financial aid.

Qualified, degree-seeking students may receive federal or state financial aid for a maximum of 180 credit hours or until they have met the requirements for their degree program, whichever comes first.

Transfer students admitted on financial aid probation must meet the same semester and cumulative GPA requirements as returning students who have been placed on probation. Continued probation will be considered for transfer students if satisfactory progress toward raising the cumulative GPA is being made.

Refund Policy

Withdrawal occurs when a student officially discontinues enrollment in ALL classes and activities of the College. A withdrawal notice from the Registrar’s Office where the official drop date is recorded will authorize refunds.

Resident Students:

Students who officially withdraw BEFORE classes begin will receive a refund of 100% for Health/Technology/Services Fee, Room, Board, and the Security Deposit (designed to reimburse the College for damages to a residence hall room or furnishings), less any assessment for damage or other amounts due. Students who officially withdraw AFTER classes begin will receive refunds as indicated below:

Cost of Education, Work, and Room Charge: Charges will be pro-rated based on date of withdrawal up to 60% of each semester. After this deadline, no refund will be made. Scholarship funds credited to the student’s account because of participation in the summer work scholarship program are credited only to room and board; these funds are never refunded but will be applied against any future room and/or board at the College.

Meal Charges: Charges will be pro-rated based on date of withdrawal, throughout the semester.

Health/Technology/Services Fee: No refund will be made for official withdrawal or cancellation of admission on or after the first day of scheduled classes. Additionally, the Health/Technology/Services Fee will not be refunded to students who fail to appear for class without an official withdrawal.

Security Deposit: Refund will be made for official withdrawal or cancellation of admission throughout the semester, provided the check out procedure has been completed with the R. A. (Resident Assistant).

Commuting Students:

Students who officially withdraw BEFORE classes begin will receive a refund of 100% for Cost of Education and Health/Technology/Services Fee charges, less any other amounts due. Students who officially withdraw AFTER classes begin will receive refunds as indicated below:

Cost of Education, Part-Time Class Charges, and Work Charges: Charges will be pro-rated based on date of withdrawal, up to 60% of each semester. After this deadline, no refund will be made.

Health/Technology/Services Fee: No refund will be made for official withdrawal or cancellation of admission on or after the first day of scheduled classes. Additionally, the Health/Technology/Services Fee will not be refunded to students who fail to appear for class without an official withdrawal.

Refund distribution will be made in the following order: Federal Pell Grant, other Title IV aid, other federal sources of aid, state aid, private and institutional sources, student. If the student made the payment to the College in cash, the refund will be made to the student. If the payment was made by a private educational loan, the refund will be made to the lending institution. If the payment was made by scholarship from an outside organization, the refund will be made to the awarding organization. If the payment was made by a scholarship from College of the Ozarks, the scholarship will be canceled. Examples of the application of this policy are available upon request from the Financial Aid Office.

All financial obligations to the College must be cleared before the student can receive a diploma or transcript.

Change of Status Refund Policy

Full-time students who drop to part-time status after the fifth (5th) day of the semester are liable for the full 280 hours of student labor (which may either be worked or paid in cash at the discretion of the Dean of Work Education). Any change in status must be approved by the Dean of Admissions in advance of such change. Students who elect to seek off-campus status during the current semester and are approved, are responsible for paying the full amount of room and board that semester.

Duplicate Scholarship Refund Policy

In the event that a student is awarded duplicate room and board scholarships (either full or partial), the resulting credit in the student’s account may be used as follows:

  • to cover room and board charges, Cost of Education (if the student becomes a part-time student), Health/Technology/Services Fees in subsequent semesters, and to buy books in the bookstore.