Applying for aid

This page lists all the steps in the aid application cycle. Returning students will be familiar with this process, but we know it can be confusing for new students. Keep reading, or use the links below to go directly to specific topic section:

Eligibility for aid
To be eligible for any of the Federal student aid programs, you must meet all of the following criteria:

  • be a U.S. citizen or eligible non-citizen
  • have a valid Social Security Number (and your name must be listed as on your card)
  • have earned a high school diploma or G.E.D.
  • be registered with Selective Service (if required)
  • be offered admission to a Bangor Theological Seminary degree program
  • continue to make Satisfactory Academic Progress (SAP) toward a degree. More information regarding SAP may be found in the BTS Student Guide.
  • not be in default on a previous Federal educational loan program

All students are encouraged to apply. Every student may be eligible for some type of financial assistance, and every financial aid applicant is considered for BTS Scholarships simply by applying for financial aid.

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Applying for aid

The first step in receiving financial aid is to file the Free Application for Federal Student Aid (FAFSA).  All students are required to file the FAFSA every year in order to be considered for Federal financial aid, as well as most types of Seminary and State financial aid.  It is more efficient to file electronically using FAFSA on the Web.  

Be sure to list Bangor Theological Seminary on your application so that we receive your application data:

BTS Title IV Institution Code:

In response to filing either a FAFSA or a Renewal Application, the Federal processing center will send you a Student Aid Report (SAR). Carefully review your SAR for errors and make any necessary corrections by following the instructions on the SAR. You do not need to send the SAR to BTS.

Once your FAFSA has been completed, submit:

  • a signed copy of your most recent tax return
  • the BTS Aid Application (available on the Forms Page)

All materials should be returned to:

Financial Aid Office
Bangor Theological Seminary
Two College Circle
PO Box 411
Bangor ME 04402-0411

The "special  condition" form may be used for the following circumstances:

  • loss of job or benefits
  • separation/divorce
  • death of a spouse

Conditions other than those listed above may be listed on the regular application, question #25.

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When to apply

You must apply each year for financial aid for the following academic year. To receive priority consideration for all types of financial aid, your completed application materials must be received by BTS by May 1. We recommend that you submit your FAFSA by February or March in order to meet this priority deadline. Materials received after May 1 will be considered on an individual basis.

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Determination of aid eligibility

Eligibility for most types of BTS financial aid is based on need, which is the computed difference between our estimated cost of attendance and your total expected family contribution (EFC). Your contribution is determined using federally-defined formulas, taking into consideration such factors as income level, assets, and household size.

The primary responsibility for paying for a college education rests with the student. On your FAFSA, you may be required to provide information about both your own and your family's circumstances. If you have questions or concerns about this requirement, please contact us or call the U.S. Department of Education at 1-800-4-FED-AID.

Financial aid is intended to supplement your own resources. We will make every attempt to offer as much financial aid as possible, but it is very rare that all of a student's financial needs are met entirely through receipt of financial aid. BTS strongly encourages each student to prepare a personal budget. The Director of Admissions and Financial Aid is available as a resource in creating a budget.

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Notification of your financial aid award

Once your application has been received and processed, we will mail you an Award Notification letter. Read the instructions and any enclosures carefully to make sure you know what to do next. You will have the option to accept or decline each form of aid.
Any time changes are made to your award, even after you have accepted the financial aid offer, you will be notified. Changes may be necessary at any time during the academic year, under any or all of the following circumstances:

  • corrections and updates to original application data (your corrections or ours)
  • changes in enrollment level each semester
  • changes in your and/or your family's circumstances
  • receipt of additional information affecting continued eligibility
  • discontinued attendance in classes (including Leaves of Absence)
  • withdrawal from all classes

Students are encouraged to contact the Financial Aid Coordinator to discuss the impact on their financial aid eligibility before their status changes, if at all possible.

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Additional requirements for certain types of aid

Recipients of certain types of financial aid must take some additional steps:

Federal Work-Study students
Information will be ready for you at the start of the Fall semester, including instructions on how to locate employment and start earning your award. Federal Work-Study (FWS) funds do not need to repaid, but are instead disbursed as wages through the BTS Business Office.
Perkins Loan borrowers
A Perkins Loan Promissory Note will be sent to you. Once you have signed and returned your Promissory Note, your Perkins Loan award will be placed on your student account with the the BTS Bursar's Office.
Direct Loan borrowers
We inform you of your eligibility, but you need to complete a Direct Loan Request to tell us how much you choose to borrow. First time borrowers will also need to complete a Direct Loan Master Promissory Note at

Both types of loans require loan counseling be conducted before you receive loan funds, and just before you graduate, withdraw, or otherwise cease enrollment. The main purpose of the counseling is to make sure you understand your rights and responsibilities as a borrower, and understand the consequences that may happen if the loan is not repaid.

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See also: Types of Aid