• C.I.O.S. (Christ Is Our Salvation) Loan Services

    The C.I.O.S. Loan program is a private loan program. The loan is an interest free loan, if payments are made on time. If a scheduled payment is not received by HSU within sixty (60) days after the scheduled due date, six percent (6%) interest will be added to the unpaid balance. The interest will be added until the loan is paid in full and a revised payment schedule will be issued.

    A Loan application packet must be completed by the recipient prior to funds being disbursed to the student’s account. Loan packets include the following documents:

    • Entrance Questionnaire
    • Promissory Note
    • Truth-In-Lending Disclosure
    • C.I.O.S. Pre-Approved Request Form
    • Thank You Card

    Completion of these documents signifies the student’s acceptance of the C.I.O.S. Loan.

    C.I.O.S. Loan Requirements

    • Minimum GPA of 2.5
    • Undergraduate student
    • Applied for and been denied a PLUS loan and a Private Loan
    • Loan pre-approval form is approved by Financial Aid Director and VP for Finance.
    • Maximum total loan amount is $8,000.00 during attendance at HSU
    • Must accept Direct loans
    • Unavailability of access to a credit balance refund from student account

    C.I.O.S. Exit Interviews

    The C.I.O.S. Loan program requires that all recipients complete an exit interview before graduating, leaving the University, or attending less than half-time for the semester enrolled. During the interview the student will be informed of their rights and responsibilities which include the following:

    • Grace Period
    • Late charges and/or interest
    • Prepayment
    • Default
    • Name and address change

    Students are notified of exit interviews by mail and/or email. If a student fails to complete the exit interview process, a hold will be placed on the student's transcript and/or diploma until we have received all the proper paperwork required.


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