1. Policies & Procedures
1.1. Census Date - Why the 5th day of Fall/Spring is important
Murray State University considers the end of the drop/add period for the fall and spring semesters (the 5th day of the semester) the census date.
  • This date is used to determine a student's enrollment level (full time, half time, less than half time).
  • A student's enrollment level determines the portion of their grant(s) and KEES scholarship they are eligible to receive.
  • As per federal policy, even if a student adds courses after the census date, they will not gain additional grant/KEES eligibility.
  • However, if a student drops a course(s) after census that has not yet started (for example, a second half semester course), a student will lose eligibility.

It is very important for a student to schedule all the necessary classes during the first 5 days of the semester.

Per federal regulations, there can be no exceptions to this regulation even if the class was closed and the professor later allows more students in the class, the student had to finish the first half semester class before scheduling for the second half semester class, or for any other reason.

Please contact a financial aid counselor for any additional questions regarding this policy. 

1.2. Classes Must Count Toward Degree to be Eligible for Financial Aid

Financial Aid may only be awarded to courses that apply toward a student's degree.

If it is determined that aid was provided for an ineligible course(s), the financial aid department is required to recover those funds and return them to the originating program (e.g. the Department of Education, Kentucky Commonwealth, etc.).

Any balance that is due to MSU as a result of the funds being recovered is the responsibility of the student and must be paid prior to enrollment in a subsequent semester.

1.2.1. Concurrent Enrollment

Students who are attending at least three (3) credit hours as a degree seeking student at Murray State University and are concurrently enrolled at another institution(s) may be able to receive federal aid for their combined enrollment.

  • To be eligible, the hours enrolled at other institutions must transfer in to MSU and count toward their degree.
  • Students must submit a completed Concurrent Enrollment form for each school in which they are enrolled to be considered for loan and Pell eligibility. 
  • If a student withdraws or ceases attendance of any course at any of the institutions, they may lose financial aid eligibility for that semester.
  • Students should speak with a financial aid advisor for additional guidance prior to dropping any course for which they are receiving aid. 

Concurrent Enrollment Form

1.3. Consent to Release Student Information to the Student and Others

Murray State University maintains full compliance with the Family Educational Rights and Privacy Act (FERPA).

Therefore, we are unable to provide student information to anyone other than the student unless they have given us express permission to do so.

If a student wishes to grant a parent, spouse, or other third party permanent permission to discuss detailed information with the financial aid (or any other) department, the student must first complete and submit a Consent to Release Student Information form.

Consent Forms must be accessed via your myGate account under either the Financial Aid tab or Academics tab.

1.4. Conviction of Possessing or Selling Drugs
If your FAFSA has been flagged by the Department of Education because you indicated that you have been convicted of possessing or selling drugs, you may still be eligible to receive federal student aid.

In order to determine eligibility, you must complete the Student Aid Eligibility Drug Worksheet. Based upon the answers you provide, the worksheet will guide you through the next steps you will need to take.

If you have any questions or need assistance in completing the worksheet, please contact a financial aid counselor.  

1.5. Defense of Marriage Act (DOMA)

On June 26, 2013 the Supreme Court struck down a section of the Defense of Marriage Act (DOMA), which resulted in the ruling that for purposes of federal programs, a marriage is no longer exclusively between one man and one woman.

In addition, for purposes of the Title IV HEA programs, a student or a parent is considered married if the student or parent was legally married in any domestic or foreign jurisdiction that recognizes the relationship as a valid marriage, regardless of where the couple resides.

The Department of Education is applying a “place of celebration” rule. Accordingly, it has determined that any legal marriage that is recognized by the jurisdiction in which the marriage was celebrated will be recognized for Title IV HEA program purposes without regard to whether the marriage is between persons of the same sex or opposite sex, and without regard to where the couple resides.

This determination applies only to marriages. It does NOT apply to registered domestic partnerships, civil unions, or similar formal relationships recognized under state law.

1.6. Disbursement, Refund, & FAFSA Requirement Changes

Beginning with the Fall 2016 semester, disbursement of federal/state aid and scholarships to eligible students will begin after the drop/add period, which is after the 5th day of classes.

  • For Fall 2016, the first set of refund checks (for students with credit balances after the disbursement of aid) should begin to be available beginning August 31, 2016. Disbursements and refund checks will be processed on a weekly basis thereafter for late awards and/or adjustments.
  • Students are encouraged to sign up for direct deposit in order to receive refund checks in a timely manner. Direct deposit signup is available via myGate/Money Tab/Student Refunds/Direct Deposit Signup.
  • In preparing for this change, students will be allowed to charge books to their student account at the Murray State University Bookstore. Students who live off campus may e-mail the Bursar at msu.bursar@murraystate.edu for an official letter, which can then be provided to landlords documenting the changes in the availability of refund checks.

An additional change includes the requirement of the completion of the Free Application of Federal Student Aid (FAFSA) for all undergraduate students receiving institutional aid.

1.7. Incarceration

Students incarcerated in federal and state penal institutions aren’t eligible  for Pell Grants, but those incarcerated in local and county penal institutions are potentially eligible for Pell.

A student confined or incarcerated in a juvenile justice facility is potentially eligible for Pell. Students incarcerated by jurisdictions defined as a state in the law, such as the District of Columbia, are considered to be in a state penal institution and aren’t eligible for Pell Grants.

A student isn’t considered incarcerated (and thus barred from potential Pell eligibility) if he or she is in a halfway house or home detention or is sentenced to serve only on weekends, or if he/she is confined in any sort of facility prior to the imposition of any criminal sentence or juvenile disposition while awaiting trial. (Federal Student Aid Handbook pg. 1-76)

As per the Federal Student Aid Handbook (pg.1-17), the definition for Incarcerated students is as follows:

A student is considered to be incarcerated if she is serving a criminal sentence in a federal or state penitentiary, prison, jail, reformatory, work farm, or similar correctional institution (whether it is operated by the government or a contractor).

A student is not considered to be incarcerated, and is still potentially eligible for Pell, FSEOGs and FWS, but not Direct Loans, if he or she is in a halfway house, juvenile justice facility, a local or county jail, a local or county penitentiary or correctional facility, or is subject to home detention or is sentenced to serve only weekends.


A parent is not eligible for a PLUS loan if the federal government holds a judgment lien on her property or if she is incarcerated.


1.8. Limit on Subsidized Loan Eligibility

As per the Department of Education, new borrowers "cannot receive subsidized loans for more than 150 percent of the published length of the borrower’s educational program".(FSA Handbook Apr 2015 pg.1-79)

This means, for example, that students in a Bachelor program that is meant to be completed in 4 years, cannot exceed 6 years worth of Subsidized loan usage.

  • A first-time borrower is considered one of the following:
      • Has no balance on any FFEL or Federal Direct Loan as of July 1, 2013,
    • OR
      • Receives their first Direct Loan (any type) on or after July 1, 2013
  • When a student has received Federal Direct Subsidized loans for a period of time that is equal to 150% of the published length of the student’s current academic program, the student may no longer receive subsidized loans for enrollment in that program or any program of equal or lesser length.
  • A student’s maximum time to receive subsidized loans is established based upon the length of the program in which the student is enrolled.
  • Remaining subsidized eligibility is calculated by subtracting the time the student has already received subsidized loans from maximum eligibility for the program in which the student is currently enrolled.

For a more in-depth understanding of this regulation and the impact to loan eligibility, please refer to this document.

1.9. Loan Code of Conduct


Murray State University Student Loan Code of Conduct


The belief that no student should be denied an education because of financial need is the cornerstone of the student financial aid program at Murray State. Upon this cornerstone is built a foundation of financial opportunities which include grants, loans, part-time employment and scholarships. This foundation supports Murray State’s desire to provide educational opportunities for all qualified students.


It is critical that students and their families have confidence in the assistance provided to them by Murray State University. This Code of Conduct is intended to foster that confidence.


  1. Code of Conduct


  1. Ban on revenue-sharing arrangements.


  1.  Prohibition


Murray State University (MSU) will not enter into any revenue-sharing arrangement with any lender.


  1.  Definition

    For purposes of this Code, the term “revenue-sharing arrangement” means an arrangement between MSU and a lender under which--


(i) a lender provides or issues a loan that is made, insured, or guaranteed under Subchapter IV of 20 USC and Part C of subchapter I of chapter 34 of Title 42 to students attending MSU or to the families of such students; and


(ii) MSU recommends the lender or the loan products of the lender and in exchange, the lender pays a fee or provides other material benefits, including revenue or profit sharing, to MSU, or an officer, employee, or agent of MSU.


  1. Gift ban.


  1.  Prohibition


No officer or employee of MSU who is employed in the MSU Student Financial Aid Office, and no officer, employee, or agent of MSU who has responsibilities with respect to Title IV loans (“education loans”), shall solicit or accept any gift from a lender, guarantor, or servicer of education loans.


  1.  Definition of gift


(i) In general


As used here, “gift” means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a nominal amount. The term includes a gift of services, transportation, lodging, or meals, whether provided in kind, by purchase of a ticket, payment in advance, or reimbursement after the expense has been incurred.


(ii) Exceptions


The term “gift” shall not include any of the following:


(I) Standard material, activities, or programs on issues related to a loan, default aversion, default prevention, or financial literacy, such as a brochure, a workshop, or training.


(II) Food, refreshments, training, or informational material furnished to an officer, employee, or agent of MSU as an integral part of a training session that is designed to improve the service of a lender, guarantor, or servicer of education loans to MSU, if such training contributes to the professional development of the officer, employee, or agent.


(III) Favorable terms, conditions, and borrower benefits on an education loan provided to a student employed by MSU if such terms, conditions, or benefits are comparable to those provided to all students at MSU.


(IV) Entrance and exit counseling services provided to borrowers to meet MSU’s responsibilities for entrance and exit counseling as required by law as long as-


(aa) MSU staff are in control of the counseling, (whether in person or via electronic capabilities); and


(bb) such counseling does not promote the products or services of any specific lender.


(V) Philanthropic contributions to MSU from a lender, servicer, or guarantor of education loans that are unrelated to education loans or any contribution from any lender, guarantor, or servicer that is not made in exchange for any advantage related to education loans.


(VI) State education grants, scholarships, or financial aid funds administered by or on behalf of a State.


(iii) Rule for gifts to family members


For purposes of this Code, a gift to a family member of an officer, employee, or agent of MSU or to any other individual based on that individual's relationship with the officer, employee, or agent, shall be considered a gift to the officer, employee, or agent if-


(I) the gift is given with the knowledge and acquiescence of the officer, employee, or agent; and


(II) the officer, employee, or agent has reason to believe the gift was given because of the official position of the officer, employee, or agent.


  1.  Contracting arrangements prohibited


  1.   Prohibition


An officer or employee of the MSU Student Financial Aid Office or who otherwise has responsibilities with respect to education loans, or an agent of MSU who has responsibilities with respect to education loans, shall not accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.


  1. Exceptions


Nothing in this subsection shall be construed as prohibiting--


(i) an officer or employee who is not employed in the MSU Student Financial Aid Office and who does not otherwise have responsibilities with respect to education loans, or an agent who does not have responsibilities with respect to education loans, from performing paid or unpaid service on a board of directors of a lender, guarantor, or servicer of education loans; or


(ii) an officer or employee who is not employed in MSU Student Financial Aid Office but who has responsibility with respect to education loans as a result of a position held at MSU, or an agent who has responsibility with respect to education loans, from performing paid or unpaid service on a board of directors of a lender, guarantor, or servicer of education loans, but such officers, employees, or agents must recuse themselves from participating in any decision of the board regarding education loans at MSU.


(iii) an officer, employee, or contractor of a lender, guarantor, or servicer of education loans from serving on the Board of Regents but the Regent must recuse him/herself from any decision regarding education loans.



  1.  Interaction with borrowers


MSU shall not


  1. for any first-time borrower, assign, through award packaging or other methods, the borrower's loan to a particular lender; or


  1. refuse to certify, or delay certification of, any loan based on the borrower's selection of a particular lender or guaranty agency.


  1.  Prohibition on offers of funds for private loans


  1. Prohibition


MSU shall not request or accept from any lender any offer of funds to be used for private education loans, including funds for an opportunity pool loan, to students in exchange for MSU’s providing concessions or promises regarding providing the lender with-


(i) a specified number of loans made, insured, or guaranteed under  Subchapter IV of 20 USC and Part C of subchapter I of chapter 34 of Title 42;


(ii) a specified loan volume of such loans; or


(iii) a preferred lender arrangement for such loans.


  1. Definition of opportunity pool loan


In this Code, the term “opportunity pool loan” means a private education loan made by a lender to a student attending MSU or the family member of such a student that involves a payment, directly or indirectly, by MSU of points, premiums, additional interest, or financial support to such lender for the purpose of such lender extending credit to the student or the family.


  1. Ban on staffing assistance


  1. Prohibition


MSU will not request or accept from any lender any assistance with call center staffing or financial aid office staffing.


  1. Certain assistance permitted


Nothing in the preceding sentence shall be construed to prohibit MSU from requesting or accepting assistance from a lender related to--


(i) Professional development training for financial aid administrators;


(ii) providing educational counseling materials, financial literacy materials, or debt management materials to borrowers, provided that such materials disclose to borrowers the identification of any lender that assisted in preparing or providing such materials; or


(iii) Staffing services on a short-term, nonrecurring basis to assist MSU with financial aid-related functions during emergencies, including State-declared or federally declared natural disasters, federally declared national disasters, and other localized disasters and emergencies identified by the Secretary of the United States Department of Education.


  1. Advisory board compensation


  1. Prohibition


    Any employee who is employed in the MSU Student Financial Aid Office or

who otherwise has responsibilities with respect to education loans or other student financial aid of the institution, and who serves on an advisory board, commission, or group established by a lender, guarantor, or group of lenders or guarantors, shall be prohibited from receiving anything of value from the lender, guarantor, or group of lenders or guarantors, except that the employee may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.


  1. Reasonable Expenses


    To be considered reasonable, such expenses must meet the standards of and be paid in accordance with expense reimbursement policies of Murray State University.

  1. Implementation of Code of Conduct


  1. This Code of Conduct will be published prominently on the Murray State

University website at the site for Student Financial Aid and at such other locations as deemed necessary by the Administration.


  1. All of MSU’s officers, employees, and agents with responsibilities for educational loans will annually be informed of the provisions of this Code of Conduct.


  1. Each such employee will acknowledge in writing receipt of this Code of Conduct.


  2. Violation of this Code of Conduct by any of MSU’s officers, employees, and agents with responsibilities for educational loans will result in discipline up to and including termination of employment depending upon the facts and circumstances.


  1. The President of the University, upon the recommendation of the Vice President for Student Affairs, is authorized to revise and/or amend this Code of Conduct in order for it to remain compliant with or to reflect changes in the law.










1.10. Pell Grant Recipients

Pell Grant Lifetime Eligibility Usage (LEU)

The Department of Education limits the amount of time a student may receive a Pell Grant. The maximum duration of Pell eligibility is 6 Scheduled Awards (600% of eligibility).

Once a student has exceeded this eligibility, they will no longer be awarded a Pell grant - even if their EFC indicates they would otherwise be eligible.

Usage is tracked by the Department of Education and the total includes all Pell grants that have been given to a student from all colleges/universities they have attended.


1.11. Repeated Courses

Federal regulations limit financial assistance given for repeated classes.

Financial aid can only be awarded for one additional attempt for a course that a student successfully completes with a passing grade.

For example, if a student gets an E the first time he takes a course and then passes the course with a D, the student can receive federal aid to improve their D grade one more time after that.

The course may have been taken at Murray State University or transferred as an acceptable course from another institution.

1.12. Satisfactory Academic Progress (SAP) - Financial Aid

Financial Aid Satisfactory Academic Progress (SAP)

The Department of Education and Kentucky Commonwealth each require students to meet Satisfactory Academic Progress (SAP) requirements in order to maintain eligibility for federal and state loans and grants. Failure to meet the standards as discussed below could lead to loss of eligibility for both federal and state financial assistance.

This policy applies to all students even if the student is not receiving financial aid for the period currently being monitored.

Effective July 1, 2016 for the 2016-2017 aid year.

Students who are not meeting the Financial Aid Policy will be notified via Murray State University email and can review their status on their myGate account.

Please note: The Admissions, Bursar, and Housing appeals are separate application processes. Decisions of these appeals are independent of each other.

How SAP is Determined

Qualitative and Quantitative requirements for SAP include:

  • A minimum cumulative GPA (earned at Murray State University and all transferred credits)
  • A maximum amount of time allowed to complete all degree requirements
  • A minimum percentage of completed hours earned

Qualitative Standard

Minimum GPA

The minimum GPA requirements for Murray State University (as shown in the chart below) are determined by the number of credit hours the student has attempted. Once the Academic probationary period leads to Academic suspension, you will also be suspended for Financial Aid.

GPA Hours Attempted Cumulative GPA required
1 - 32 1.5
33 - 64 1.7
65 - 79 1.9
80 + 2.0

Quantitative Standard

Maximum Timeframe

The longest time you can take to complete your degree is 1½ times the length of the published program length as shown below:

Degree type Published Program Length Maximum Attempted Hours
Associate 60 90
Baccalaureate 120 180
Post-Baccalaureate seeking an Associate* 180 270
Post-Baccalaureate seeking a Baccalaureate* 240 360
Graduate/Masters 36 54
Doctoral 79 119

* - These hours reflect first Baccalaureate attempted hours


Completion Rate

You must earn a minimum of 67% of the total number of hours you have attempted during your respective undergraduate and/or graduate career. To determine if you are meeting this requirement, multiply the total cumulative hours you have attempted times .67.

Example: 95 cumulative hours x .67 = requirement of 64 hours earned

Actions impacting course completion when calculating attempted and earned hours: 

 Action Counts toward Attempted Counts toward Earned 
 Audited, Withdrawn or Incomplete course  Yes  No
 Transfer, or Remedial course  Yes  Yes
 Repeat or Non-degree related course  Yes  Yes - but only the last time attempted

Semester Withdrawal

More than two (2) official academic and/or administrative withdrawals from a semester while attending Murray State University will prevent you from meeting SAP.

Additional Information

  • Completion requirements remain the same if major is changed.
  • Financial Aid reviews SAP at the end of each spring semester and covers the preceding summer, fall, and spring terms.
  • Financial Aid SAP requirements are not the same as Academic suspension – each requires a separate appeal process.  Refer to the Office of the Registrar website for the academic Suspension Academic Policy.
  • You may review your SAP status on your myGate account.

Impact of not Meeting SAP

Failure to meet any of the SAP requirements will result in a Financial Aid suspension and make you ineligible to receive any additional federal or state financial aid.

Official notice of suspension will be sent to you via your Murray State University email address.


What to do if you are Suspended

If you receive a financial aid suspension, you may want to consider filing an appeal if you believe you have mitigating circumstances.

To initiate a Financial Aid SAP appeal, you must complete a SAP Financial Aid appeal form and provide supporting documentation as outlined below. The form may be obtained from within your myGate account under the Financial Aid link.

Appeals may fall into one of the following categories and appropriate supporting documentation must be provided:


  • Broken bone
  • Cancer
  • Catastrophic health or mental illness 

    Documentation needed 

    • Official documentation from medical provider reflecting confirmed diagnosis and dates of illness or injury
    • If recurring illness or other health issue, please provide a statement explaining what has changed to enable you to perform better going forward.
    • Provide additional documentation if there is a change in medication for recurring illness which addresses your ability to improve performance.

Severe personal or family problems

  • Death of immediate family member (parent/guardian, sibling, child, spouse)
  • Divorce
  • Accident
  • Incarceration 

   Documentation needed (depending upon circumstance)

    • Death certificate or copy of obituary and documentation reflecting family connection
    • Divorce decree or letter confirming separation from objective third party (representative of the court, pastor, counselor, social worker, etc.)
    • Copy of police report
    • If accident resulting in injury, official documentation from medical provider reflecting confirmed diagnosis and dates of illness or injury
    • Court documentation reflecting period of incarceration for self or immediate family member and documentation reflecting family connection
    • If court documentation is unavailable, must provide other documentation substantiating arrest and/or period of incarceration. 

 Academically Related

  • Seeking additional degree
  • Change of major

    Documentation needed

 Extenuating Circumstances

  • Work conflict
  • Military Obligations 

    Documentation needed

    • Letter from employer on company letterhead verifying termination of employment or reduced work hours
    • Statement explaining what has changed financially to enable you to perform better going forward
    • Official documentation from the military organization verifying time frame of required training and/or deployment
    • Other supporting documentation depending on situation. 

* Please note that additional supporting documentation may be requested after initial review.*


Next Steps

Once a completed appeal and all supporting documentation is received by the Financial Aid Department, a review of your individual circumstance will be conducted and a determination will be made.

Decisions will fall into one of four potential categories.

  1. Approved without Academic Plan
  2. Approved with Academic Plan
  3. Denied
  4. Administratively Denied 

Decisions will be communicated to the student via their Murray State University email. All decisions are final.

If your appeal is approved, you will be placed on probation for a minimum of one (1) semester or for the length of the academic plan. At the end of the probationary term, you must meet all requirements of the Satisfactory Academic Progress Policy.

If your appeal is denied, you may continue enrollment without federal financial aid assistance and attempt to meet all requirements and regain eligibility.  You may also seek a private loan to fund educational costs.


General Information

If you do not meet SAP requirements, to allow consideration for financial aid in future terms, you must still complete the Free Application for Federal Student Aid (FAFSA) in a timely manner.

  • The Admissions, Academic Standing, Bursar, and Housing appeals are separate application processes. Decisions of these appeals are independent of each other.
  • If you have additional questions, please contact the Financial Aid office at 500 Sparks Hall, 270-809-2546 or 800-272-4678 option 3, or msu.sfa@murraystate.edu.




1.12.1. Prior Satisfactory Academic Progress (SAP) Policies

Policy Effective Beginning With 2011-2012

Policy Effective Beginning With 2013-2014

Policy Effective Beginning With 2014-2015 

1.12.2. Satisfactory Academic Progress (SAP) Codes-What Do They Mean

SAP Status Codes-What Do They Mean?

  • A, NS, S=Satisfactory Academic Progress Appeal Approved - Your Satisfactory Academic Progress appeal to reinstate financial aid eligibility has been approved.

  • GP=Meeting the Academic Plan for Satisfactory Academic Progress - You are on an academic plan and are meeting the plan.

  • NP=Not Meeting the Academic Plan for Satisfactory Academic Progress - You are on an academic plan but are not meeting the plan

  • D=Academic Standing -- You have not met Satisfactory Academic Progress due to your academic standing. You may contact the Registrar’s Office for details. An appeal must be filled with the University Registrar’s Office. Once resolved with the Registrar’s Office, you must follow the Financial Aid appeal procedures. 

  • G, X=Making Satisfactory Academic Progress –You must have met Satisfactory Academic Progress.

  • M=Maximum Semesters/Hours Exceeded
  • The policy permits the following maximum attempted hours:

    • 90 hours – Associate Degree
    • 180 hours – Baccalaureate Degree
    • 270 hours -  Post-Baccalaureate Associates Degree
    • 360 hours - Post-Baccalaureate Baccalaureate Degree
    • 54 hours – Graduate Degree
    • 119 hours -  Doctoral Degree

    If you are graduating from an undergraduate program and are admitted into graduate program beginning with the previous summer of the upcoming academic year, you must contact our office regarding financial aid eligibility. If you wish to appeal, you must follow the Financial Aid appeal procedures.

  • N=Completion Rate  – You did not complete the required minimum hours for what you started. You are required to complete 67% of all attempted hours to remain eligible for future financial aid.  If you wish to appeal, you must follow the Financial Aid appeal procedures.

  • W=Withdraw Count Exceeded – The policy states if you have more than two (2) official academic and/or administrative withdrawals white attending Murray State University, you will no longer be considered as maintaining Satisfactory Academic Progress. If you wish to appeal, you must follow the Financial Aid appeal procedures.
1.13. Terms & Conditions and Accepting Awards

In order to accept your financial aid awards online, you must accept the Terms and Conditions on myGate.  


 Log into your myGate at myGate.murraystate.edu using your Murray State user id and password

  • Click on the financial aid tab located toward the upper right hand corner of the page
  • Click on the link ‘Your Financial Aid/Scholarship Awards’ located toward the upper right hand corner of the page
  • Click on the dropdown and chose the Aid Year you wish to review
  • Click ‘Submit’

To Accept Electronic Participation

  • Click on the Terms and Conditions Tab
  • Review the terms and conditions

Once you have scrolled to the bottom of the Terms and Conditions Tab, you will have the choice to ‘Accept’ or ‘Do Not Accept’. If you choose the ‘Do Not Accept’, you will receive a pop-up box indicating that you will not be eligible to receive aid.

  • Click ‘OK’ to choose and Click ‘Accept’

Once you click ‘Accept’, you must scroll to the bottom.

You have successfully accepted Terms and Conditions once the message is displayed as:

You have accepted the Terms and Conditions

Accepting Awards

After you have successfully accepted the Terms and Conditions

  • Click on the ‘Accept Award Offer’ tab.

All financial aid you are eligible to receive will be listed. You will be able to accept or decline each loan or grant award listed. (Please note that although you will see the scholarship awards in an offered status, you must go to the scholarship tab to accept them.)

  • If you wish to accept all awards at one time, click ‘Accept Full Amount of Awards’.
  • If you do not wish to accept all awards, click on the dropdown to the right of each award and choose ‘accept’ or ‘decline’.
  • If you do not wish to accept the entire amount of the award, enter the amount you are choosing in the ‘Accept Partial Amount’ box.

Once you have selected the awards amounts to accept or decline,

  • Scroll to the bottom and choose either ‘Accept Full Amount All Awards’ or ‘Submit Decision’.

To print your awards

  • Click on the ‘Print’ link at the top of the ‘Accept Award Offer’ tab.

Instructions for accepting terms and conditions on myGate

1.14. Verification

The Department of Education (ED) often requires Universities to review information families have provided on the FAFSA for accuracy. The process for verifying this information is called verification. 

The ED typically selects approximately 30% of all FAFSAs submitted nationally for this process.

MSU also selects students for verification if their sibling or other family member is already selected and enrolled at Murray State University.

Verification must be completed

before most federal and state grants and loans can be awarded and disbursed to a student's account.

MSU uses the Kentucky Higher Education Assistance Authority (KHEAA) to process student's verification documents. Items that may be requested to complete the process include (but are not limited to):

  • Adjusted gross income (AGI)

  • U.S. income tax paid

  • Education credits

  • Untaxed IRA distributions

  • Untaxed pensions

  • IRA deductions and payments

  • Tax-exempt interest

  • Other untaxed income

  • Income earned from work

  • Household size

  • Number in college

  • Supplemental Nutrition Assistance Program (SNAP) benefits

  • Child support paid

  • High school completion status

  • Identity/statement of educational purpose


1.15. Withdrawing or no longer Attending Classes for the Semester (R2T4)

If a student withdraws from Murray State University (MSU) either formally or simply by no longer attending all classes, the school, the student, or both may be required to return some or all of the federal funds awarded to the student for that semester.

A student who withdraws from all classes prior to completing 60% of the semester is subject to having financial aid eligibility adjusted based on the percentage of the semester completed.

The funds that are impacted by this policy are federal grants and loans - referred to as Title IV funds. 

Title IV federal aid funds include:

  • Direct Stafford Loans (Subsidized and Unsubsidized),
  • Perkins Loan,
  • Direct PLUS Loans (Parent and Graduate),
  • Pell Grant,
  • Supplemental Education Opportunity Grant (SEOG),
  • Academic Competitiveness Grant (ACG),
  • National SMART Grant, 
  • TEACH Grant.

It is possible that the returning of these funds will result in an outstanding balance with MSU. This balance is the responsibility of the student and must be repaid prior to re-enrolling in classes. 

Students contemplating withdrawal from all classes, prior to completing 60% of the semester, should discuss their options with the Financial Aid Office to determine how withdrawal will potentially impact their financial aid.

To determine how much money a student may owe, they must contact the Bursar’s Office. The Bursar’s Office will automatically use any credit on the student’s account as payment toward an R2T4 calculation.

For a full description of the Return to Title IV Policy, please click on the following link: Policy