Tuition & financial aid

2012-13 BCOMP/HCM tuition and fees

  Per semester Total
Tuition $5,016 $20,064
Books and materials $465 $1,860
Technology fee $100 $400
Total $5,581 $22,324

A $25 application fee is required. (Waived if application is completed online.)

Financial aid policies

Students with questions concerning financial assistance should contact the financial aid office at 1-800-488-3257 (option 2) or 419-358-3266. Personnel in the financial aid office are available to help estimate your eligibility for financial assistance. Office hours are Monday through Friday, 8 a.m. to 5 p.m. Meeting times other than regular business hours can be arranged. The financial aid office can also be contacted via email at:

In order to be eligible for any federal or state need-based grants and/or federal loan programs, students must complete the Free Application for Federal Student Aid (FAFSA), listing Bluffton as one of the recipients. The federal school code number for Bluffton is 003016.

Grant assistance

Federal and state grants are awarded based upon a variety of factors, but most often on the basis of the program rules and/or demonstrated financial need.

Federal Pell Grant - The Federal Pell Grant is a need-based grant awarded to eligible undergraduate students. Awards for the 2012-13 award year range from $602 to $5,550.  Eligibility is determined by the expected family contribution (EFC) as calculated on the FAFSA.  This grant is available to full-time and less than full-time students. A student's lifetime eligibility is limited to 12 semesters (or its equivalent).

Ohio College Opportunity Grant - The Ohio College Opportunity Grant (OCOG) is a need-based tuition assistance program available to Ohio residents enrolled in a degree program at an eligible institution.  Eligible students must have an expected family contribution (EFC) of $2,190 or less with a maximum household income of $75,000.  The 2012-13 award for a full-time eligible student is $2,280. 

William D. Ford Federal Direct Loan Programs

Federal Direct Loans are guaranteed low-interest loans for students attending school at least half-time. Subsidized loans are available to students who qualify based on need. Unsubsidized loans are not based on need or income. Therefore, students and families of all income levels have access to federally guaranteed funds for college. Eligibility is determined both by need and the number of transfer credit hours a student brings into the program.

All first-time direct loan borrowers at Bluffton must complete Entrance Loan Counseling and a Master Promissory Note at

        Federal Direct Subsidized Loans

    • Need based loan
    • No interest while a student is registered for at least six credit hours
    • Fixed interest rate of 3.4%
    • 1% origination fee
    • Repayment on the principal begins six months after completing program of study or dropping below six credit hours
    • Recent changes in federal law eliminates the interest subsidy provided during the six-month grace period for loans disbursed between July 1, 2012, and July 1, 2014. Students receiving a subsidized loan during this time will be responsible for the interest that accrues on the loan during the grace period. If a student does not pay the interest accrued, the interest will be added (capitalized) to the principal amount of their loan when the grace period ends.
    • More information on federal direct loans, including income-based repayment options


       Federal Direct Unsubsidized Loans        

    • Non-need based loan
    • Interest begins as soon as the loan is disbursed
    • The student may choose to make interest only payments while in school or choose to have the interest capitalized
    • Fixed interest rate of 6.8%
    • 1% origination fee
    • Repayment on the principal begins six months after completing program of study or dropping below six credit hours
    • More information on federal direct loans, including income-based repayment options.

It is important to note that students are subject to aggregate (maximum) loan limits. Students who have borrowed at previous institutions must be aware of remaining eligibility according to these aggregates. For dependent borrowers, the aggregate limit is $31,000 with no more than $23,000 of this amount in subsidized loans. For independent borrowers, the limit is $57,500 with no more than $23,000 in subsidized loans. To obtain your current student loan debt, log on to your account at:

Annual loan limits are as follows:

Grade Level
Credit Hours
Subsidized and Unsubsidized
88-or more

Dependent students are only eligible for subsidized and unsubsidized loan amounts, not the Additional Unsubsidized, unless parents cannot get a PLUS loan.

Private Education Loans - Students may find that they need resources in addition to those listed on the award letter. There are private education loan programs available to students which are not based on need. Additional information about private loans is available online or in person at the financial aid office.

Employer Assistance - An increasing number of employers provide educational assistance benefits to their employees. Students should check to see if their employer provides educational assistance. Students must notify the Bluffton University financial aid office of any employer assistance that they receive.

Veteran's Benefits - Bluffton programs are approved for Veteran's Benefits with the Bluffton registrar appointed as certifying officer. Contact the registrar's office for application forms and for more information.

General information

Students have access to financial information from many, many sources. Some of this information is helpful; some of it can be misleading and confusing. For an accurate and current understanding of the financial aid process and for helpful information, the Bluffton financial aid office recommends the following web sites: