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1fr;}.hero__inner{grid-template-columns:1fr;}.hero__stat-band{flex-direction:row;flex-wrap:wrap;min-width:0;}}\n@media(max-width:600px){.footer__grid{grid-template-columns:1fr;}.cta-band__inner{flex-direction:column;}}\n\n .contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0;}\n .contact-item{display:flex;gap:.85rem;align-items:flex-start;min-width:220px;}\n .contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n .contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n .contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n .contact-item__val a{color:#00629A;text-decoration:underline;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n ELEMENTOR CONTAINMENT RESETS\n Prevents Elementor wrapper styles from bleeding into our\n custom HTML content blocks.\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n\n\/* Zero out all padding\/margin\/gap\/background on every Elementor wrapper *\/\n.elementor-widget-container,\n.elementor-widget-wrap,\n.elementor-widget-wrap > .elementor-element,\n.elementor-section .elementor-container,\n.elementor-section .elementor-row,\n.e-con,\n.e-con-inner,\n.e-child,\n.e-con > .e-con-inner {\n padding: 0 !important;\n margin: 0 !important;\n gap: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n border: none !important;\n box-shadow: none !important;\n max-width: none !important;\n width: 100% !important;\n}\n\n\/* Section-level Elementor wrappers *\/\n.elementor-section,\n.elementor-top-section,\n.elementor-inner-section {\n padding: 0 !important;\n margin: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n}\n\n\/* Strip Elementor heading color overrides *\/\n.elementor-widget-container h1,\n.elementor-widget-container h2,\n.elementor-widget-container h3,\n.elementor-widget-container h4,\n.elementor-widget-container h5,\n.elementor-widget-container p,\n.elementor-widget-container a {\n color: inherit !important;\n}\n\n\/* \u2500\u2500 Dark section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n .hero and .cta-band.dk MUST stay dark regardless of\n Elementor theme color injection.\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero,\n.hero * {\n color: #FFFFFF !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n}\n.hero__inner > div {\n display: flex !important;\n flex-direction: column !important;\n align-items: center !important;\n text-align: center !important;\n max-width: 780px !important;\n margin: 0 auto !important;\n}\n.hero__btns {\n justify-content: center !important;\n}\n.hero__desc {\n max-width: 640px !important;\n margin-left: auto !important;\n margin-right: auto !important;\n}\n.hero__tag {\n display: inline-block !important;\n}\n.hero {\n background-color: #00152E !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 60%, #003366 100%) !important;\n position: relative !important;\n}\n.cta-band.dk {\n background-color: #002147 !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 100%) !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk * {\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--primary {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--outline-white {\n border-color: rgba(255,255,255,0.6) !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Section background hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec {\n background-color: #FFFFFF !important;\n color: #1C2430 !important;\n}\n.sec--off {\n background-color: #F3F7FB !important;\n color: #1C2430 !important;\n}\n.sec--surface {\n background-color: #E6EEF6 !important;\n color: #1C2430 !important;\n}\n\n\/* \u2500\u2500 Text color hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec .sec-title,\n.sec .sec-eyebrow,\n.sec h2,\n.sec h3 {\n color: #002147;\n}\n.sec p,\n.sec li,\n.sec dd,\n.sec dt {\n color: #4A5060;\n}\n.sec a {\n color: #00629A;\n}\n\n\/* \u2500\u2500 About section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.about-facts {\n background: #E6EEF6 !important;\n border-radius: 8px !important;\n padding: clamp(1.5rem, 3vw, 2.5rem) !important;\n}\n.about-facts__title {\n color: #00629A !important;\n font-weight: 700 !important;\n}\n.about-facts dl dt {\n color: #636B78 !important;\n text-transform: uppercase !important;\n font-size: .72rem !important;\n letter-spacing: .08em !important;\n font-weight: 700 !important;\n}\n.about-facts dl dd {\n color: #1C2430 !important;\n font-size: .97rem !important;\n}\n\n\/* \u2500\u2500 Card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.card__eyebrow { color: #00629A !important; }\n.card__title { color: #002147 !important; }\n.card__text { color: #4A5060 !important; }\n.card__link { color: #00629A !important; }\n\n\/* \u2500\u2500 Faculty card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.faculty-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.faculty-card__name { color: #002147 !important; }\n.faculty-card__title { color: #636B78 !important; }\n.faculty-card__contact, \n.faculty-card__contact a { color: #00629A !important; }\n\n\/* \u2500\u2500 Resource list hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.resource-item {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-bottom-color: #C2D4E6 !important;\n}\n.resource-item__name { color: #002147 !important; }\n.resource-item__desc { color: #4A5060 !important; }\n.resource-item__link { color: #00629A !important; border-color: #00629A !important; }\n\n\/* \u2500\u2500 Program card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.program-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n color: #1C2430 !important;\n}\n.program-card__name { color: #002147 !important; }\n.program-card__level { color: #636B78 !important; }\n.program-card__dot { background: #008ED6 !important; }\n\n\/* \u2500\u2500 Tab hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.tabs__btn {\n background: transparent !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.tabs__btn[aria-selected=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n border-color: #002147 !important;\n}\n\n\/* \u2500\u2500 Accordion hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.accordion__trigger {\n background: #FFFFFF !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.accordion__trigger[aria-expanded=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.accordion__body { \n background: #FFFFFF !important; \n color: #4A5060 !important;\n}\n\n\/* \u2500\u2500 Nav drawer hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-drawer {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-drawer__header {\n background: #00152E !important;\n border-bottom-color: rgba(0,142,214,0.3) !important;\n}\n.fnav-drawer__title { color: #FFFFFF !important; }\n.fnav-drawer__eyebrow { color: #3DB4F0 !important; }\n.fnav-item { color: rgba(255,255,255,0.85) !important; }\n.fnav-item.is-active,\n.fnav-item:hover { color: #FFFFFF !important; background: rgba(0,142,214,0.2) !important; }\n.fnav-group__label { color: #3DB4F0 !important; }\n.fnav-drawer__footer { color: #FFFFFF !important; }\n.fnav-footer-link { color: #FFFFFF !important; text-decoration: none; }\n.fnav-footer-link:hover { color: #3DB4F0 !important; }\n\n\/* \u2500\u2500 Hero text hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero__tag { color: #3DB4F0 !important; }\n.hero__title { color: #FFFFFF !important; }\n.hero__desc { color: rgba(255,255,255,0.85) !important; }\n.hero__btns .btn--primary { background-color: #00659E !important; color: #FFFFFF !important; }\n.hero__btns .btn--outline-white { border-color: rgba(255,255,255,0.6) !important; color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Breadcrumb hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.breadcrumb { background: #002147 !important; }\n.breadcrumb a, .breadcrumb span { color: rgba(255,255,255,0.75) !important; }\n.breadcrumb [aria-current=\"page\"] { color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Contact section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.contact-items { color: #1C2430 !important; }\n.contact-item__label { color: #636B78 !important; }\n.contact-item__val { color: #1C2430 !important; }\n.contact-item__val a { color: #00629A !important; }\n\n\/* \u2500\u2500 Skip link \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link:focus {\n background: #008ED6 !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 BTT button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.jsu-btt {\n background: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Menu toggle \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-toggle:hover { background: #007ABB !important; }\n\n\/* \u2500\u2500 WCAG: Ensure minimum contrast on all body text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody { \n background-color: #FFFFFF !important; \n color: #1C2430 !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 TICKER STRIP \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.ticker-wrap{\n background:#00152E;\n border-top:1px solid rgba(0,142,214,.25);\n border-bottom:1px solid rgba(0,142,214,.25);\n overflow:hidden;\n padding:.55rem 0;\n position:relative;\n}\n.ticker-wrap::before,\n.ticker-wrap::after{\n content:'';\n position:absolute;\n top:0;bottom:0;\n width:80px;\n z-index:2;\n pointer-events:none;\n}\n.ticker-wrap::before{\n left:0;\n background:linear-gradient(to right,#00152E,transparent);\n}\n.ticker-wrap::after{\n right:0;\n background:linear-gradient(to left,#00152E,transparent);\n}\n.ticker-label{\n position:absolute;\n left:0;top:50%;\n transform:translateY(-50%);\n background:#008ED6;\n color:#FFFFFF;\n font-family:'Sora',sans-serif;\n font-size:.65rem;\n font-weight:700;\n letter-spacing:.12em;\n text-transform:uppercase;\n padding:.35rem .75rem;\n z-index:3;\n white-space:nowrap;\n}\n.ticker-track{\n display:flex;\n align-items:center;\n gap:0;\n width:max-content;\n animation:ticker-scroll 40s linear infinite;\n padding-left:160px;\n}\n.ticker-track:hover{animation-play-state:paused;}\n.ticker-item{\n display:inline-flex;\n align-items:center;\n gap:.5rem;\n white-space:nowrap;\n padding:0 1.5rem;\n font-family:'Sora',sans-serif;\n font-size:.78rem;\n font-weight:500;\n color:rgba(255,255,255,.75);\n transition:color .2s;\n text-decoration:none;\n}\n.ticker-item:hover{color:#3DB4F0;}\n.ticker-item::before{\n content:'';\n display:inline-block;\n width:4px;height:4px;\n border-radius:50%;\n background:#008ED6;\n flex-shrink:0;\n}\n@keyframes ticker-scroll{\n 0%{transform:translateX(0);}\n 100%{transform:translateX(-50%);}\n}\n@media(prefers-reduced-motion:reduce){\n .ticker-track{animation:none;overflow-x:auto;}\n}\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO CENTERING \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.hero__inner{\n justify-items:center;\n text-align:center;\n}\n.hero__inner > div{\n display:flex;\n flex-direction:column;\n align-items:center;\n text-align:center;\n max-width:780px;\n margin:0 auto;\n}\n.hero__desc{\n max-width:640px;\n margin-left:auto;\n margin-right:auto;\n}\n.hero__btns{\n justify-content:center;\n}\n\n\n\/* \u2500\u2500 Visually hidden elements \u2014 explicit colors for accessibility checkers \u2500\u2500 *\/\n.sr-only,\n.visually-hidden {\n color: #1C2430 !important;\n background-color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Screen-reader-only toggle label \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle__label {\n color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Skip link always has explicit colors \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Breadcrumb: sit flush below global header \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody {\n padding-top: 65px !important;\n background-color: #002147 !important;\n}\n.breadcrumb {\n margin-top: 0 !important;\n scroll-margin-top: 65px !important;\n}\n#main-content {\n scroll-margin-top: 65px !important;\n}\n.admin-bar body { padding-top: 97px !important; }\n.admin-bar .breadcrumb { scroll-margin-top: 97px !important; }\n\/* \u2500\u2500 Hero: full viewport height \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero {\n min-height: 100vh !important;\n height: 100vh !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n padding: 0 !important;\n position: relative !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n padding: clamp(2rem, 4vh, 5rem) 0 !important;\n width: 100% !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n JSU GLOBAL NAVIGATION \u2014 matches jsums.edu exactly\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.jsu-global-nav {\n position: fixed;\n top: 0; left: 0; right: 0;\n z-index: 1000;\n background: #002147;\n box-shadow: 0 2px 16px rgba(0,0,0,.35);\n}\n.jsu-global-nav__top {\n background: #00152E;\n padding: .3rem 0;\n border-bottom: 1px solid rgba(0,142,214,.2);\n}\n.jsu-global-nav__top-inner {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 1rem;\n flex-wrap: wrap;\n}\n.jsu-global-nav__util-links {\n display: flex;\n flex-wrap: wrap;\n gap: .15rem .75rem;\n list-style: none;\n}\n.jsu-global-nav__util-links a {\n font-family: 'Sora',sans-serif;\n font-size: .68rem;\n font-weight: 500;\n color: rgba(255,255,255,.65);\n text-decoration: none;\n letter-spacing: .02em;\n transition: color .15s;\n}\n.jsu-global-nav__util-links a:hover { color: #3DB4F0; }\n.jsu-global-nav__ctas {\n display: flex;\n gap: .4rem;\n}\n.jsu-global-nav__cta {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .05em;\n text-decoration: none;\n padding: .3rem .85rem;\n border-radius: 4px;\n transition: background .15s, color .15s;\n}\n.jsu-global-nav__cta--apply {\n background: #00659E;\n color: #FFFFFF;\n}\n.jsu-global-nav__cta--apply:hover { background: #007ABB; }\n.jsu-global-nav__cta--visit {\n background: transparent;\n color: rgba(255,255,255,.8);\n border: 1px solid rgba(255,255,255,.3);\n}\n.jsu-global-nav__cta--visit:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }\n.jsu-global-nav__cta--give {\n background: #3DB4F0;\n color: #002147;\n font-weight: 800;\n}\n.jsu-global-nav__cta--give:hover { background: #6DC8F5; }\n\n.jsu-global-nav__main {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n height: 64px;\n gap: 1.5rem;\n}\n.jsu-global-nav__logo {\n display: flex;\n align-items: center;\n gap: .65rem;\n text-decoration: none;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark {\n width: 44px;\n height: 44px;\n border-radius: 6px;\n background: #FFFFFF;\n display: flex;\n align-items: center;\n justify-content: center;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark span {\n font-family: 'Sora',sans-serif;\n font-weight: 900;\n font-size: 1.05rem;\n color: #002147;\n letter-spacing: -.03em;\n}\n.jsu-global-nav__logo-text { line-height: 1.15; }\n.jsu-global-nav__logo-text strong {\n display: block;\n font-family: 'Sora',sans-serif;\n font-weight: 800;\n font-size: .88rem;\n color: #FFFFFF;\n letter-spacing: .01em;\n}\n.jsu-global-nav__logo-text span {\n font-family: 'Sora',sans-serif;\n font-size: .62rem;\n font-weight: 500;\n letter-spacing: .14em;\n text-transform: uppercase;\n color: #3DB4F0;\n}\n\n.jsu-global-nav__menu {\n display: flex;\n align-items: center;\n gap: 0;\n list-style: none;\n}\n.jsu-global-nav__menu > li {\n position: relative;\n}\n.jsu-global-nav__menu > li > a,\n.jsu-global-nav__menu > li > button {\n display: flex;\n align-items: center;\n gap: .3rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: rgba(255,255,255,.85);\n text-decoration: none;\n padding: .55rem .75rem;\n border-radius: 6px;\n background: none;\n border: none;\n cursor: pointer;\n transition: color .15s, background .15s;\n white-space: nowrap;\n}\n.jsu-global-nav__menu > li > a:hover,\n.jsu-global-nav__menu > li > button:hover {\n color: #FFFFFF;\n background: rgba(255,255,255,.08);\n}\n.jsu-global-nav__menu > li > a::after,\n.jsu-global-nav__menu > li > button.has-sub::after {\n content: '';\n display: inline-block;\n width: 0; height: 0;\n border-left: 4px solid transparent;\n border-right: 4px solid transparent;\n border-top: 4px solid currentColor;\n opacity: .6;\n margin-left: .2rem;\n transition: transform .2s;\n}\n.jsu-global-nav__menu > li:hover > button.has-sub::after,\n.jsu-global-nav__menu > li:focus-within > button.has-sub::after {\n transform: rotate(180deg);\n}\n\n\/* Dropdowns *\/\n.jsu-global-nav__dropdown {\n position: absolute;\n top: calc(100% + 4px);\n left: 0;\n min-width: 220px;\n background: #001736;\n border: 1px solid rgba(0,142,214,.25);\n border-radius: 8px;\n box-shadow: 0 8px 32px rgba(0,0,0,.4);\n padding: .5rem 0;\n opacity: 0;\n visibility: hidden;\n transform: translateY(-8px);\n transition: opacity .2s, visibility .2s, transform .2s;\n z-index: 100;\n list-style: none;\n}\n.jsu-global-nav__menu > li:hover .jsu-global-nav__dropdown,\n.jsu-global-nav__menu > li:focus-within .jsu-global-nav__dropdown {\n opacity: 1;\n visibility: visible;\n transform: translateY(0);\n}\n.jsu-global-nav__dropdown a {\n display: block;\n padding: .5rem 1.1rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 500;\n color: rgba(255,255,255,.8);\n text-decoration: none;\n transition: color .15s, background .15s;\n}\n.jsu-global-nav__dropdown a:hover {\n color: #FFFFFF;\n background: rgba(0,142,214,.15);\n}\n.jsu-global-nav__dropdown .drop-group-label {\n display: block;\n padding: .65rem 1.1rem .25rem;\n font-family: 'Sora',sans-serif;\n font-size: .65rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #3DB4F0;\n border-top: 1px solid rgba(0,142,214,.2);\n margin-top: .35rem;\n}\n.jsu-global-nav__dropdown .drop-group-label:first-child {\n border-top: none;\n margin-top: 0;\n}\n\n\/* Mobile menu toggle *\/\n.jsu-global-nav__mob-btn {\n display: none;\n background: none;\n border: 1px solid rgba(255,255,255,.3);\n border-radius: 6px;\n color: #FFFFFF;\n padding: .45rem .65rem;\n cursor: pointer;\n font-size: 1.15rem;\n line-height: 1;\n transition: background .15s;\n}\n.jsu-global-nav__mob-btn:hover { background: rgba(255,255,255,.1); }\n\n\/* Page body offset for fixed nav *\/\nbody { padding-top: 0 !important; }\n.breadcrumb {\n margin-top: 54px !important; }\n.admin-bar .breadcrumb {\n margin-top: 46px !important; }\n#main-content { scroll-margin-top: 104px !important; }\n\n\/* Sections scroll past nav *\/\n[id] { scroll-margin-top: 104px; }\n\n@media(max-width: 1024px) {\n .jsu-global-nav__menu { display: none; }\n .jsu-global-nav__mob-btn { display: flex; align-items: center; justify-content: center; }\n}\n@media(max-width: 600px) {\n .jsu-global-nav__logo-text { display: none; }\n}\n\n\n\/* \u2550\u2550 PDF \/ Document Inline Viewer \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.doc-embed-wrap {\n margin: 1.25rem 0;\n border: 1px solid #C2D4E6;\n border-radius: 10px;\n overflow: hidden;\n background: #F3F7FB;\n}\n.doc-embed-toolbar {\n display: flex;\n align-items: center;\n justify-content: space-between;\n padding: .6rem 1rem;\n background: #002147;\n gap: .75rem;\n flex-wrap: wrap;\n}\n.doc-embed-toolbar__title {\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: #FFFFFF;\n flex: 1;\n min-width: 0;\n white-space: nowrap;\n overflow: hidden;\n text-overflow: ellipsis;\n}\n.doc-embed-toolbar__actions {\n display: flex;\n gap: .4rem;\n flex-shrink: 0;\n}\n.doc-embed-toolbar__btn {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .04em;\n padding: .3rem .75rem;\n border-radius: 5px;\n text-decoration: none;\n transition: background .15s, color .15s;\n white-space: nowrap;\n}\n.doc-embed-toolbar__btn--view {\n background: #00659E;\n color: #FFFFFF;\n border: 1px solid #008ED6;\n}\n.doc-embed-toolbar__btn--view:hover { background: #007ABB; }\n.doc-embed-toolbar__btn--dl {\n background: rgba(255,255,255,.12);\n color: rgba(255,255,255,.9);\n border: 1px solid rgba(255,255,255,.25);\n}\n.doc-embed-toolbar__btn--dl:hover { background: rgba(255,255,255,.2); color: #FFFFFF; }\n.doc-embed-frame {\n width: 100%;\n height: 560px;\n border: none;\n display: block;\n background: #FFFFFF;\n}\n@media(max-width:600px){ .doc-embed-frame { height: 380px; } }\n\n\n.pdf-embed-wrap{border-radius:8px;overflow:hidden;box-shadow:0 2px 16px rgba(0,21,46,.1);margin:1.5rem 0;}\n.pdf-embed-header{background:#002147;padding:.75rem 1.25rem;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;}\n.pdf-embed-title{font-family:'Sora',sans-serif;font-weight:700;font-size:.88rem;color:#FFFFFF;}\n.pdf-embed-actions{display:flex;gap:.5rem;flex-wrap:wrap;}\n.pdf-btn{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:600;padding:.35rem .85rem;border-radius:4px;text-decoration:none;transition:background .15s;white-space:nowrap;}\n.pdf-btn--view{background:rgba(255,255,255,.15);color:#FFFFFF;}\n.pdf-btn--view:hover{background:rgba(255,255,255,.25);}\n.pdf-btn--dl{background:#00659E;color:#FFFFFF;}\n.pdf-btn--dl:hover{background:#007ABB;}\n.pdf-embed-frame{display:block;background:#F3F7FB;width:100%;border:1px solid #C2D4E6;border-radius:0 0 8px 8px;}\n\n<\/style>\n<style>\n.cards-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}\n.card{position:relative;overflow:hidden;display:flex;flex-direction:column;transition:border-color .25s ease,box-shadow .25s ease,transform .25s ease !important;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px}\n.card::before{content:\"\";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,#00629A 0%,#008ED6 100%);opacity:.9}\n.card__body{padding:1.7rem 1.6rem;flex:1;display:flex;flex-direction:column}\n.card__title{font-family:'Sora',sans-serif;font-size:1.15rem;font-weight:700;line-height:1.3;margin-bottom:.7rem;color:#002147}\n.card__title a{color:#00629A;text-decoration:none}\n.card__title a:hover{text-decoration:underline}\n.card__text{font-family:'Crimson Pro',Georgia,serif;font-size:1.02rem;line-height:1.65;color:#1C2430}\n.card__text p{margin:0 0 .7rem}\n.card__text p:last-child{margin:0}\n.card__text a{color:#00629A;text-decoration:none;font-weight:700}\n.card__text a:hover{text-decoration:underline}\n.card__text strong{color:#002147}\n\n\/* Procedure blocks *\/\n.proc{background:#FFFFFF;border:1px solid #C2D4E6;border-radius:12px;padding:1.85rem 2rem;margin-bottom:1.35rem;position:relative;overflow:hidden}\n.proc::before{content:\"\";position:absolute;top:0;left:0;bottom:0;width:4px;background:linear-gradient(180deg,#00629A 0%,#008ED6 100%)}\n.proc__title{font-family:'Sora',sans-serif;font-size:1.22rem;font-weight:800;color:#002147;margin:0 0 1rem;line-height:1.3}\n.proc p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 1rem}\n.proc p:last-child{margin-bottom:0}\n.proc strong{color:#002147}\n.proc a{color:#00629A;text-decoration:none;font-weight:700}\n.proc a:hover{text-decoration:underline}\n.proc__sub{font-family:'Sora',sans-serif;font-size:1rem;font-weight:800;color:#00629A;margin:1.25rem 0 .6rem}\n.proc ol,.proc ul{margin:0 0 1rem;padding-left:0;list-style:none;counter-reset:pl}\n.proc ol{counter-reset:pl}\n.proc ol>li{position:relative;counter-increment:pl;padding:.7rem 0 .7rem 3rem;border-top:1px solid #E6EEF6;font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.6;color:#1C2430}\n.proc ol>li::before{content:counter(pl);position:absolute;left:0;top:.7rem;width:1.85rem;height:1.85rem;border-radius:50%;background:linear-gradient(135deg,#00629A 0%,#008ED6 100%);color:#FFFFFF;font-family:'Sora',sans-serif;font-weight:800;font-size:.9rem;display:flex;align-items:center;justify-content:center}\n.proc ul>li{position:relative;padding:.55rem 0 .55rem 1.6rem;font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.6;color:#1C2430}\n.proc ul>li::before{content:\"\";position:absolute;left:.35rem;top:1.15rem;width:.5rem;height:.5rem;border-radius:50%;background:#008ED6}\n.proc ol>li ul{margin:.5rem 0 0}\n.proc ol>li ul>li{padding:.35rem 0 .35rem 1.6rem;border:none}\n.proc__note{background:#EAF4FB;border-left:4px solid #008ED6;border-radius:0 8px 8px 0;padding:.95rem 1.3rem;margin:1rem 0 0;font-family:'Crimson Pro',Georgia,serif;font-size:1.02rem;line-height:1.6;color:#1C2430}\n\n\/* Glossary *\/\n.glossary{margin:0;display:grid;gap:.9rem}\n.term{background:#FFFFFF;border:1px solid #C2D4E6;border-radius:10px;padding:1.35rem 1.6rem;position:relative;overflow:hidden}\n.term::before{content:\"\";position:absolute;top:0;left:0;bottom:0;width:4px;background:linear-gradient(180deg,#00629A 0%,#008ED6 100%)}\n.term__name{font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:#002147;margin:0 0 .45rem;line-height:1.3}\n.term__def{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0}\n.term__def a{color:#00629A;text-decoration:none;font-weight:700}\n.term__def a:hover{text-decoration:underline}\n.term__def strong{color:#002147}\n.term__def ul{margin:.6rem 0 0;padding-left:1.5rem}\n.term__def ul ul{margin:.3rem 0 0}\n.term__def li{margin:.3rem 0;line-height:1.6}\n\n\/* Quick links units *\/\n.qlink-row{display:flex;flex-wrap:wrap;gap:.75rem}\n.qlink{display:inline-flex;align-items:center;gap:.55rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:999px;padding:.6rem 1.25rem;font-family:'Sora',sans-serif;font-size:.9rem;font-weight:600;color:#00629A;text-decoration:none;transition:border-color .2s ease,background .2s ease}\n.qlink::before{content:\"\";width:.5rem;height:.5rem;border-radius:50%;background:#008ED6;flex-shrink:0}\n.qlink:hover{border-color:#008ED6;background:#F3F7FB}\n\n\/* Timeline callout *\/\n.timeline{background:#FFF8E1;border-left:4px solid #B45309;border-radius:0 10px 10px 0;padding:1.6rem 1.85rem}\n.timeline__title{font-family:'Sora',sans-serif;font-size:1.1rem;font-weight:800;color:#7A3607;margin:0 0 .7rem}\n.timeline p{font-family:'Crimson Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 .8rem}\n.timeline strong{color:#7A3607}\n.timeline ul{margin:.5rem 0 .8rem;padding-left:1.5rem}\n.timeline li{font-family:'Crimson Pro',Georgia,serif;font-size:1.03rem;line-height:1.6;color:#1C2430;margin:.3rem 0}\n.timeline__fine{font-size:.95rem;font-style:italic;color:#4A5060;margin:0}\n\n\/* Contact items *\/\n.contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0}\n.contact-item{display:flex;gap:.85rem;align-items:flex-start;margin-bottom:0}\n\n\/* \u2550\u2550\u2550 ADA CONTRAST HARDENING OVERRIDES \u2550\u2550\u2550 *\/\n.card__title{color:#002147 !important}\n.card__text{color:#1C2430 !important}\n.proc__title{color:#002147 !important}\n.proc p{color:#1C2430 !important}\n.proc__sub{color:#00629A !important}\n.proc ol>li,.proc ul>li{color:#1C2430 !important}\n.proc__note{color:#1C2430 !important}\n.term__name{color:#002147 !important}\n.term__def{color:#1C2430 !important}\n.term__def li{color:#1C2430 !important}\n.qlink{color:#00629A !important}\n.timeline__title{color:#7A3607 !important}\n.timeline p,.timeline li{color:#1C2430 !important}\n.timeline__fine{color:#4A5060 !important}\n\n@media (max-width: 760px){\n.cards-grid{grid-template-columns:1fr;gap:1rem}\n.proc{padding:1.5rem 1.4rem}\n.contact-items{gap:1.5rem}\n}\n<\/style>\n<\/head>\n<body>\n\n<a href=\"#main-content\" class=\"skip-link\">Skip to main content<\/a>\n\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\n<div class=\"w\"><ol class=\"breadcrumb__list\">\n <li><a href=\"https:\/\/www.jsums.edu\/\">JSU Home<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/financialaid\">Financial Aid<\/a><\/li>\n <li><span aria-current=\"page\">Glossary<\/span><\/li>\n<\/ol><\/div>\n<\/nav>\n\n<main id=\"main-content\" class=\"jsu-main-content\">\n\n \n <section class=\"hero dk\" aria-labelledby=\"hero-h\">\n <div class=\"w\"><div class=\"hero__inner\"><div>\n <span class=\"hero__tag\">JSU · Financial Aid<\/span>\n <h1 class=\"hero__title\" id=\"hero-h\">\n Financial aid <em>glossary<\/em>\n <\/h1>\n <p class=\"hero__desc\">\n Definitions of commonly used financial aid terms — from Cost of\n Attendance and EFC\/SAI to the MPN, NSLDS, and verification.\n <\/p>\n <div class=\"hero__btns\">\n <a href=\"#glossary\" class=\"btn btn--primary\">View Glossary<\/a>\n <a href=\"#contact\" class=\"btn btn--outline-white\">Contact<\/a>\n <\/div>\n <\/div><\/div><\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"glossary\" aria-labelledby=\"glossary-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Glossary<\/span>\n <h2 class=\"sec-title\" id=\"glossary-h\">Commonly used terms<\/h2>\n <\/div>\n <dl class=\"glossary\">\n <div class=\"term\"><dt class=\"term__name\">Award Notification<\/dt><dd class=\"term__def\">Notifications of a student’s financial aid eligibility.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Academic Course Load<\/dt><dd class=\"term__def\">Undergraduate students should be registered for an average of 15 credit hours per term in order to graduate in four years. Twelve (12) credits per term are considered the minimum full-time enrollment.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Budget\/Cost of Attendance (COA)<\/dt><dd class=\"term__def\">Each institution must establish a budget that will be used to award student aid. Jackson State University budgets are based on certain categories: In-State Undergraduate students, Out-of-State Undergraduate students, In-State Graduate students, Out-of-State Graduate students, and Summer Developmental Students. The Budget\/Cost of Attendance (COA) includes estimated costs for tuition (based on 12 credits per term), tuition and fees, room and board, books and supplies, transportation, and personal expenses (laundry, toothpaste, clothing, etc.). A student’s actual expenses will vary, depending on the number of credits hours enrolled and the student’s living expenses.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Cost of Attendance<\/dt><dd class=\"term__def\">The Cost of Attendance consists of the sum of educational costs payable to the school (also referred to as direct or billable costs) and costs paid to others (or indirect, non-billable or discretionary) costs. The Cost of Attendance represents the highest dollar amount of financial aid a student can receive during an award year.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Costs Payable to the School<\/dt><dd class=\"term__def\">Costs Payable to the school (also referred to as direct or billable costs) generally include tuition, fees, housing, and meals\/food (for students residing on campus), health insurance (if minimum insurance coverage is not documented), or any other expenses paid to the school for enrollment.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Default<\/dt><dd class=\"term__def\">Default is failure to repay a loan according to the terms agreed to when the student\/borrower signed the promissory note. Default, also, may result from failure to submit requests for deferment, forbearance or cancellation on time. The consequences of default are severe (i.e. garnishing of wages, bad credit, garnishing of tax refunds, etc.)<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Disbursement<\/dt><dd class=\"term__def\">Disbursement is the application of funds to a student’s account. If funds are remaining after university charges are paid, then the student will have a disbursement to them, by either electronic funds transfer to their personal bank account or through a check in the mail (per their designation on the Disbursement Authorization Statement).<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Educational Loan<\/dt><dd class=\"term__def\">Money borrowed from the federal government, a college or university, or a private source like a bank or financial institution to pay for educational expenses and must be paid back with interest.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Eligible Non-Citizen<\/dt><dd class=\"term__def\">According to federal guidelines, eligible non-citizen includes:<ul><li>U.S. nationals<\/li><li>U.S. permanent resident who hold either a I-151, I-551 or I-551C card<\/li><li>Holders of the I-94 form with a notation of Refugee\/Asylum Granted \/Cuban-Haitian Entrant, Status Pending or conditional Entrant (if issued before April 1, 1980), or Parolee (if paroled for at least 1 year, with evidence provided to USCIS that residence is for other than temporary purpose).<\/li><li><strong>Note:<\/strong> The following statuses are ineligible for aid:<ul><li>F, G, or J series visa holders<\/li><li>I-171 or I-464 holders<\/li><\/ul><\/li><\/ul><\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Enrollment Status<\/dt><dd class=\"term__def\">The number of credits, clock hours, or classes the student is enrolled in, or whether they have withdrawn, graduated, etc. Enrollment status affects eligibility for and the amount of financial aid a student may receive. It also affects when student loans enter repayment status.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Expected Family Contribution (EFC)<\/dt><dd class=\"term__def\">When a FAFSA is filed with the federal government, the federal processor uses a formula set up by federal regulations to determine the “Expected Family Contribution (EFC)”. The EFC (in theory) is the amount a student and their family is expected to pay toward school expenses. The federal formula takes into account many factors, including number of people in the family, number in college, state of residency (some states have a state tax or sales tax) and the age of the older parent. Per federal rules, the EFC is used in calculating the student’s eligibility for aid; even if, the family\/parents cannot or will not contribute to the student’s education. While costs the at schools will be different, the EFC will stay the same.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Free Application for Federal Student Aid<\/dt><dd class=\"term__def\">The Free Application for Federal Student Aid (FAFSA) is the federal application that must be completed for consideration for federal, state, university grants, work-study and loans (including the Federal Stafford, Federal Loan for Parents-PLUS and Grad Plus for Graduates). The FAFSA data is used to determine a student’s financial need for need-based aid and EFC.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Loan<\/dt><dd class=\"term__def\">Also known as the Direct Loan Program, which allows eligible students and parents to borrow directly from the U.S. Department of Education at participating colleges or universities. Federal student loans include Direct Subsidized, Direct Unsubsidized and the Direct PLUS programs for parents of dependent students and graduate or professional students.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Graduate PLUS Loan<\/dt><dd class=\"term__def\">Direct Graduate PLUS Loans are federal loans that graduate or professional students use to help pay for education expenses. A credit check for adverse credit history is required for eligibility. Interest begins to accrue when the loan is disbursed and can be paid while the student is enrolled or when loan repayment begins.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Parent PLUS Loan<\/dt><dd class=\"term__def\">Direct Parent PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for education expenses. Parents must pass a credit check for adverse credit history to qualify for PLUS loans.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Subsidized Student Loan<\/dt><dd class=\"term__def\">A Direct Subsidized Loan is an undergraduate federal student loan based on financial need and offers students a reduced, fixed interest rate and flexible repayment terms. Interest is subsidized, meaning it does not accrue to the borrower, while in an in-school, grace, or deferment period. Annual and aggregate limits apply.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Unsubsidized Student Loan<\/dt><dd class=\"term__def\">An unsubsidized loan offers students a fixed interest rate and flexible repayment terms. It is not based on financial need. Interest begins to accrue when the loan is disbursed and can be paid while the student is enrolled or when loan repayment begins. Annual and aggregate limits apply.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Pell Grant<\/dt><dd class=\"term__def\">The Pell Grant is a federal grant program designed to assist undergraduate students in low- and moderate-income households to pay for college. The award amount is based on the cost of the institution, SAI, and enrollment status, and is subject to an aggregate limit.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Supplemental Educational Opportunity Grant (FSEOG)<\/dt><dd class=\"term__def\">A federal grant provided by the institution to qualified undergraduate students who demonstrate exceptional financial need and does not need to be repaid. The amount of funding from this program varies by institution.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Work-Study<\/dt><dd class=\"term__def\">Federal Work-Study provides funding for part-time jobs for undergraduate and graduate students with financial need. Unlike grants and loans, FWS is paid to students as they earn the funds by working.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Financial Aid Offer<\/dt><dd class=\"term__def\">A financial aid offer is a document sent by a postsecondary institution to a student that outlines the amounts and details of the financial aid being offered to the student, which may include scholarships, grants, loans, employment, or other forms of financial assistance to pay for college expenses. Sometimes schools refer to these as financial aid “awards”, although this term is outdated. Schools should refer to these as financial aid offers.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Financial Need<\/dt><dd class=\"term__def\">Financial Need is the difference between the Cost of Attendance (COA) at the university and the Expected Family Contribution (EFC).<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Free Application for Federal Student Aid (FAFSA)<\/dt><dd class=\"term__def\">The Free Application for Federal Student Aid (FAFSA) is the federal application that must be completed for consideration for federal, state, university grants, work-study and loans (including the Federal Stafford, Federal Loan for Parents-PLUS and Grad Plus for Graduates). The FAFSA data is used to determine a student’s financial need for need-based aid and EFC.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Grants & Scholarships<\/dt><dd class=\"term__def\">Any money provided to students that does not have to be repaid. They can be called grants, scholarships, tuition remissions, gift aid, or tuition waivers. Grants and scholarships are provided based on many different factors.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Loan Entrance Counseling<\/dt><dd class=\"term__def\">According to federal requirements, students are required to complete an Entrance Loan Counseling session before they receive their first loan disbursement. This counseling session is used to advise students of their rights and responsibilities as a borrower. JSU provides this session online at <a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov\/<\/a>.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Loan Exit Counseling<\/dt><dd class=\"term__def\">According to federal requirements, students who have received a federal educational loan must complete Loan Exit Counseling upon graduation or termination of enrollment. JSU provides this session online at <a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov\/<\/a>.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Lender<\/dt><dd class=\"term__def\">An institution who provides money for loans. Most lenders are financial institutions, but lenders may also be state agencies or schools.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Merit-based Financial Aid<\/dt><dd class=\"term__def\">Financial assistance awarded based on accomplishments, such as academic or athletic performance.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Master Promissory Note (MPN)<\/dt><dd class=\"term__def\">The Master Promissory Note (MPN) is the binding legal document a borrower must sign before receiving a student loan. It lists the conditions for borrowing and the terms under which the student agrees to pay back the loan. The MPN will include information about the grace period, interest rate, deferment, forbearance, cancellation provisions and the borrower’s rights and responsibilities with respect to the loan It is very important that the borrower read and save this document to refer to it later when it’s time to repay the loan. The Master Promissory Note is a one-time promissory note signed by all loans borrowed at JSU, as long as they fall under certain conditions. Contact the Financial Aid Office or the lender for any questions regarding the Master Promissory Note.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">National Student Loan Data System (NSLDS)<\/dt><dd class=\"term__def\">The National Student Loan database system is a federal website that collects information on student loans. By using your Federal Student Aid ID (FSA ID), the student can get information on their federal loans, grants, outstanding balances, loan status and disbursements. <strong>Note<\/strong>: NSLDS in not a real-time database. Agencies update NSLDS on a monthly schedule so the data shown may not reflect recent changes.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Need<\/dt><dd class=\"term__def\">The student’s Cost of Attendance minus their Student Aid Index.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Need-based Aid<\/dt><dd class=\"term__def\">Financial assistance provided to students based on their financial situation, determined by completing the FAFSA. Need-based financial aid can take different forms, including grants, scholarships, work-study programs, and low-interest loans, like the federal direct subsidized loan.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Net Price<\/dt><dd class=\"term__def\">The difference between the cost of attendance and all grants and scholarships. Net price reflects what the student is expected to pay for their education on their own and can be covered through a variety of sources, including savings, student employment, institutional payment plans, or education loans.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Other Funding Options<\/dt><dd class=\"term__def\">Funding options outside of grants and scholarships that a student and their family may use to pay any remaining costs or expenses. This may include loans, student employment, institutional payment plans, or personal savings.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Private Loan<\/dt><dd class=\"term__def\">A student or parent loan from a bank, credit union, private company, a nonprofit or state-affiliated lender, or from the college or university directly to pay for educational costs. Interest begins to accrue when the loan is disbursed, and repayment begins while the student is still enrolled in school.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Satisfactory Academic Progress<\/dt><dd class=\"term__def\">Per federal requirements, schools must establish minimum criteria that students must meet to show adequate academic progress (Standards for Satisfactory Academic Progress – SSAP) to continue eligibility for aid. Please see the JSU catalog for more information.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Selected for Verification<\/dt><dd class=\"term__def\">A certain percentage of students who complete the FAFSA will be selected by the federal processor for verification. The school will then request required documentation to verify the data reported on the FAFSA. This may include federal income tax return transcripts, verification worksheets and\/or other documents. Notification of documents requested from the Financial Aid Office is posted to the student’s JSU PAWS account.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Student Aid Index (SAI) Formerly EFC (Expected Family Contribution)<\/dt><dd class=\"term__def\">The SAI is the eligibility index used to determine your eligibility for federal, and in some instances, state and institutional need-based student financial aid. Generally, students with a higher SAI are eligible for less need-based financial aid. It is based upon the information provided by the student and their family on the FAFSA.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Student Aid Report (SAR)<\/dt><dd class=\"term__def\">Upon completion of the FAFSA, the student will receive a Student Aid Report (SAR). Once the FAFSA is complete online, this summary will be provided to the student online. If the student completed the paper application, this form will be mailed to the student. It is important to review the information on the SAR and read all comments noted by the federal processor as additional information is sometimes required to complete processing.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Verification<\/dt><dd class=\"term__def\">A federally mandated process to confirm the accuracy of data provided by selected applicants on the FAFSA. To complete the verification process, the student, their parent(s), or spouse, if applicable, are required to provide certain documents to the school for review. If the documentation the student provides the institution doesn’t match what was reported on the FAFSA, verification can result in changes to the student’s financial aid eligibility, and\/or financial aid offers.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Verification Worksheet<\/dt><dd class=\"term__def\">The Verification Worksheet is a form sent from the Financial Aid Office to students who are selected for verification after receipt of the FAFSA data.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Withdrawals<\/dt><dd class=\"term__def\">To officially withdraw from Jackson State University, students must contact Undergraduate Studies at 601-979-2127 and the Registrar’s Office at (601-979-2300). All courses attempted, including withdrawals, will be used to determine Satisfactory Academic Progress (SAP).<\/dd><\/div>\n <\/dl>\n <div style=\"margin-top:1.75rem;\">\n <a href=\"#quicklinks\" class=\"btn btn--outline-navy\">Explore the Financial Aid website<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec sec--off\" id=\"quicklinks\" aria-labelledby=\"quicklinks-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.25rem;\">\n <span class=\"sec-eyebrow\">Quick links – units<\/span>\n <h2 class=\"sec-title\" id=\"quicklinks-h\">Quick links<\/h2>\n <\/div>\n <div class=\"qlink-row\">\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2025\/02\/24.25-Financial-Aid-Checklist.pdf\">Financial Aid Checklist<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Financial Aid FAQs<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Financial Aid Forms<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/2017\/11\/19\/rights-and-responsibilities\/\">Rights And Responsibilities<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/admissions\/parents-and-families\/\">Parents And Families<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/creating-an-fsaid\/\">Creating A Federal Student Aid ID (FSA ID)<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/businessfinance\/tuition-and-fees\/#Fees\">Tuition And Fees<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2021\/02\/2021-2022-View-Your-Financial-Aid-Status.pdf\">Financial Aid Status<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/06\/2020-2021-When-the-Financial-Aid-Award-Package-is-Not-Enough-.pdf\">When The Financial Aid Package Is Not Enough<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2017\/08\/Financial-Aid-Repeat-Course-Policy.pdf\">Financial Aid Repeat Course Policy<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"help\" aria-labelledby=\"help-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Let us help you<\/span>\n <h2 class=\"sec-title\" id=\"help-h\">Let us help you<\/h2>\n <\/div>\n <div class=\"cards-grid\" style=\"margin-bottom:1.75rem;\">\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a><\/div>\n <div class=\"card__text\"><p>Students seeking federal financial aid are required to complete the Free Application for Federal Student Aid (<a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a>). Jackson State University’s priority deadline is April 15th each year. <strong>Access Financial Aid Forms<\/strong>. <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Click Here<\/a>. Frequently asked questions concerning Financial Aid. <a href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Click Here<\/a><\/p><\/div>\n <\/div><\/div>\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">CARES Act Emergency Assistance for Students<\/a><\/div>\n <div class=\"card__text\"><p>Emergency assistance for students through the CARES Act. <a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">Learn more<\/a>.<\/p><\/div>\n <\/div><\/div>\n <\/div>\n <div class=\"timeline\">\n <p class=\"timeline__title\">Service timeline for submitted documents<\/p>\n <p>All documents submitted to the Office of Financial Aid can take up to <strong>21 business days<\/strong> for processing.<\/p>\n <p><strong>To prevent a delay in processing your documents, please be sure to:<\/strong><\/p>\n <ul>\n <li>Verify documents are filled completely, legible and signed.<\/li>\n <li>Check that documents that require a signature have HANDWRITTEN signatures; no typed or electronic signatures are acceptable.<\/li>\n <li>Verify that all documents contain the student’s name and J-Number.<\/li>\n <\/ul>\n <p class=\"timeline__fine\">*Business days do not include the weekends, holidays, and all other unspecified days the university is closed.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"cta-band dk\" aria-labelledby=\"cta-h\">\n <div class=\"w\"><div class=\"cta-band__inner\">\n <div>\n <h2 class=\"cta-band__title\" id=\"cta-h\">Questions about your aid?<\/h2>\n <p class=\"cta-band__sub\">Email the Financial Aid Office at finaid@jsums.edu and include your J-number, or call (866) THEE-JSU.<\/p>\n <\/div>\n <div class=\"cta-band__btns\">\n <a href=\"mailto:finaid@jsums.edu\" class=\"btn btn--primary\">Email finaid@jsums.edu<\/a>\n <a href=\"tel:+18668433578\" class=\"btn btn--outline-white\">Call 866-843-3578<\/a>\n <\/div>\n <\/div><\/div>\n <\/section>\n\n \n <section class=\"sec sec--surface\" id=\"contact\" aria-labelledby=\"contact-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Division of Financial Aid<\/span>\n <h2 class=\"sec-title\" id=\"contact-h\">Location<\/h2>\n <\/div>\n <div class=\"contact-items\">\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📍<\/div>\n <div><div class=\"contact-item__label\">Location<\/div>\n <div class=\"contact-item__val\">Jackson State University<br>Financial Aid Office<br>PO Box 17065<br>Jackson, MS 39217<\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">✉<\/div>\n <div><div class=\"contact-item__label\">Email<\/div>\n <div class=\"contact-item__val\"><a href=\"mailto:finaid@jsums.edu\">finaid@jsums.edu<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📞<\/div>\n <div><div class=\"contact-item__label\">Phone<\/div>\n <div class=\"contact-item__val\"><a href=\"tel:+18668433578\">(866) THEE‑JSU \/ 866-843-3578<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📨<\/div>\n <div><div class=\"contact-item__label\">Fax<\/div>\n <div class=\"contact-item__val\">(601) 979-2237<\/div><\/div><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n<\/main>\n\n<button class=\"fnav-toggle\" aria-label=\"Open page navigation menu\" aria-expanded=\"false\" aria-controls=\"fnav-drawer\" type=\"button\">\n <span class=\"fnav-toggle__icon\" aria-hidden=\"true\">☰<\/span>\n <span class=\"fnav-toggle__label\">Menu<\/span>\n<\/button>\n\n<div class=\"fnav-overlay\" id=\"fnav-overlay\" aria-hidden=\"true\"><\/div>\n\n<nav class=\"fnav-drawer\" id=\"fnav-drawer\" aria-label=\"Page navigation\" aria-hidden=\"true\">\n <div class=\"fnav-drawer__header\">\n <div>\n <span class=\"fnav-drawer__eyebrow\">JSU · Financial Aid<\/span>\n <span class=\"fnav-drawer__title\">Financial Aid<\/span>\n <\/div>\n <button class=\"fnav-close\" aria-label=\"Close navigation menu\" type=\"button\">×<\/button>\n <\/div>\n <div class=\"fnav-drawer__body\">\n <div class=\"fnav-group\">\n <ul class=\"fnav-group__items\" role=\"list\">\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/#WELCOME\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Home<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-fiancial-aid\/#HOW\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">How To Apply<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/one-big-beautiful-bill-act\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">One Big Beautiful Bill Act<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/types-of-financial-aid\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Types<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/resources\/\" class=\"fnav-item\" aria-current=\"page\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Resources<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-financial-aid-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Videos<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/#Learn\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Forms<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/consumer-information\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Consumer Information<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/contact-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Contact Us<\/span>\n <\/a>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n <div class=\"fnav-drawer__footer\">\n <a href=\"https:\/\/www.jsums.edu\/financialaid\" class=\"fnav-footer-link\" style=\"color:#FFFFFF !important;\">← Financial Aid<\/a>\n <\/div>\n<\/nav>\n\n<button class=\"jsu-btt\" id=\"jsu-btt\" aria-label=\"Back to top\" 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li{margin-bottom:.35rem;}\n.faculty-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;}\n.faculty-card{background:#FFFFFF;border:1px solid #C2D4E6;border-radius:8px;padding:1.5rem;}\n.faculty-card__name{font-family:'Sora',sans-serif;font-weight:700;font-size:1rem;color:#002147;margin-bottom:.2rem;}\n.faculty-card__title{font-family:'Sora',sans-serif;font-size:.8rem;color:#00629A;font-weight:600;margin-bottom:.5rem;}\n.faculty-card__contact{font-family:'Sora',sans-serif;font-size:.78rem;color:#636B78;}\n.faculty-card__contact a{color:#00629A;text-decoration:underline;}\n.cta-band{background:#00152E;padding:clamp(3rem,6vw,5rem) 0;}\n.cta-band__inner{display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap;}\n.cta-band__title{font-family:'Sora',sans-serif;font-weight:800;font-size:clamp(1.5rem,3vw,2.2rem);color:#FFFFFF;line-height:1.15;margin-bottom:.5rem;}\n.cta-band__sub{font-family:'Crimson Pro',Georgia,serif;font-size:1.1rem;color:#C0C8D4;}\n.cta-band__btns{display:flex;gap:.75rem;flex-wrap:wrap;flex-shrink:0;}\n.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start;}\n.contact-info__title{font-family:'Sora',sans-serif;font-weight:700;font-size:1.2rem;color:#002147;margin-bottom:1.25rem;}\n.contact-item{display:flex;gap:.85rem;align-items:flex-start;margin-bottom:1.1rem;}\n.contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n.contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n.contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n.contact-item__val a{color:#00629A;text-decoration:underline;}\n.form-group{margin-bottom:1.25rem;}\n.form-label{display:block;font-family:'Sora',sans-serif;font-weight:600;font-size:.85rem;color:#1C2430;margin-bottom:.4rem;}\n.required{color:#C62828;}\n.form-control{display:block;width:100%;font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;background:#FFFFFF;border:1.5px solid #C2D4E6;border-radius:8px;padding:.65rem .9rem;transition:border-color .2s;}\n.form-control:focus{outline:none;border-color:#008ED6;box-shadow:0 0 0 3px rgba(0,142,214,.15);}\ntextarea.form-control{min-height:120px;resize:vertical;}\n.form-control.is-error{border-color:#C62828;}\n.form-error{font-family:'Sora',sans-serif;font-size:.8rem;color:#C62828;margin-top:.3rem;display:none;}\n.form-error.is-visible{display:block;}\n.form-status{font-family:'Sora',sans-serif;font-size:.9rem;padding:.85rem 1.1rem;border-radius:8px;margin-bottom:1rem;display:none;}\n.form-status.is-ok{display:block;background:#F0FFF1;color:#2E7D32;border:1px solid #a5d6a7;}\n.form-status.is-err{display:block;background:#FFF0F0;color:#C62828;border:1px solid #ef9a9a;}\n.site-footer{background:#00152E;padding:clamp(3rem,6vw,5rem) 0 2rem;}\n.footer__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem;margin-bottom:3rem;}\n.footer__brand-name{font-family:'Sora',sans-serif;font-weight:800;font-size:1.1rem;color:#FFFFFF;margin-bottom:.35rem;}\n.footer__brand-sub{font-family:'Sora',sans-serif;font-size:.82rem;color:#C0C8D4;margin-bottom:.85rem;}\n.footer__brand-contact{font-family:'Crimson Pro',Georgia,serif;font-size:.95rem;color:#96A0AE;line-height:1.8;}\n.footer__brand-contact a{color:#3DB4F0;text-decoration:underline;}\n.footer__col-title{font-family:'Sora',sans-serif;font-size:.7rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#96A0AE;margin-bottom:.85rem;}\n.site-footer nav ul{display:grid;gap:.5rem;}\n.site-footer nav a{font-family:'Sora',sans-serif;font-size:.85rem;color:#C0C8D4;transition:color .15s;}\n.site-footer nav a:hover{color:#FFFFFF;}\n.footer__legal{border-top:1px solid rgba(255,255,255,.08);padding-top:1.5rem;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:1rem;}\n.footer__legal p{font-family:'Sora',sans-serif;font-size:.78rem;color:#96A0AE;}\n.footer__legal-links{display:flex;flex-wrap:wrap;gap:1rem;}\n.footer__legal-links a{font-family:'Sora',sans-serif;font-size:.78rem;color:#96A0AE;text-decoration:underline;}\n.footer__legal-links a:hover{color:#FFFFFF;}\n.fnav-toggle{position:fixed;right:0;top:50%;transform:translateY(-50%) translateX(0);z-index:500;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.25rem;background:#002147;color:#FFFFFF;border:none;border-radius:6px 0 0 6px;padding:.9rem .55rem;cursor:pointer;box-shadow:-2px 0 12px rgba(0,21,46,.35);opacity:0;visibility:hidden;transform:translateY(-50%) translateX(100%);transition:opacity .3s ease,visibility .3s ease,transform .3s ease,background .15s;}.fnav-toggle.is-visible{opacity:1;visibility:visible;transform:translateY(-50%) translateX(0);}.fnav-toggle:hover{background:#007ABB;}.fnav-toggle__icon{font-size:1rem;line-height:1;display:block;}.fnav-toggle__label{font-family:'Sora',sans-serif;font-size:.55rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;writing-mode:vertical-rl;text-orientation:mixed;transform:rotate(180deg);margin-top:.3rem;color:#FFFFFF;}\n.fnav-overlay{position:fixed;inset:0;background:rgba(0,21,46,.55);z-index:600;opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s;}\n.fnav-overlay.is-open{opacity:1;visibility:visible;}\n.fnav-drawer{position:fixed;top:0;right:-340px;width:320px;max-width:90vw;height:100%;background:#FFFFFF;z-index:700;display:flex;flex-direction:column;box-shadow:-4px 0 40px rgba(0,21,46,.25);transition:right .35s cubic-bezier(0.22,1,0.36,1);}\n.fnav-drawer.is-open{right:0;}\n.fnav-drawer__header{background:#002147;padding:1.25rem 1.5rem;display:flex;align-items:flex-start;justify-content:space-between;gap:1rem;flex-shrink:0;}\n.fnav-drawer__eyebrow{font-family:'Sora',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#3DB4F0;display:block;margin-bottom:.2rem;}\n.fnav-drawer__title{font-family:'Sora',sans-serif;font-size:.95rem;font-weight:700;color:#FFFFFF;display:block;}\n.fnav-close{background:rgba(255,255,255,.1);border:none;color:#FFFFFF;font-size:1.4rem;width:32px;height:32px;border-radius:50%;cursor:pointer;display:flex;align-items:center;justify-content:center;flex-shrink:0;transition:background .15s;}\n.fnav-close:hover{background:rgba(255,255,255,.2);}\n.fnav-drawer__body{flex:1;overflow-y:auto;padding:1.5rem;}\n.fnav-group__label{font-family:'Sora',sans-serif;font-size:.65rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#636B78;display:block;margin-bottom:.75rem;}\n.fnav-group__items{display:grid;gap:.2rem;}\n.fnav-item{display:flex;align-items:center;gap:.75rem;padding:.65rem .75rem;border-radius:8px;font-family:'Sora',sans-serif;font-size:.88rem;font-weight:500;color:#4A5060;transition:background .15s,color .15s;}\n.fnav-item:hover{background:#E6EEF6;color:#002147;}\n.fnav-item.is-active{background:#EBF6FD;color:#00629A;font-weight:600;}\n.fnav-item__dot{width:6px;height:6px;border-radius:50%;background:#C2D4E6;flex-shrink:0;transition:background .15s;}\n.fnav-item.is-active .fnav-item__dot{background:#008ED6;}\n.fnav-drawer__footer{color:#FFFFFF !important;border-top:1px solid #C2D4E6;padding:1rem 1.5rem;flex-shrink:0;}\n.fnav-footer-link{color:#FFFFFF !important;text-decoration:none;font-family:'Sora',sans-serif;font-size:.82rem;font-weight:600;color:#00629A;text-decoration:underline;text-underline-offset:2px;}\n.jsu-btt{position:fixed;bottom:28px;right:28px;z-index:900;background:#008ED6;border:none;border-radius:50%;width:44px;height:44px;display:flex;align-items:center;justify-content:center;cursor:pointer;color:#FFFFFF;font-size:22px;line-height:1;opacity:0;visibility:hidden;transform:translateY(10px);transition:opacity .25s,visibility .25s,transform .25s,background .15s;box-shadow:0 4px 16px rgba(0,142,214,.35);}\n.jsu-btt.is-visible{opacity:1;visibility:visible;transform:translateY(0);}\n.jsu-btt:hover{background:#007ABB;}\n.jsu-btt:focus-visible{outline:3px solid #5BAADC;outline-offset:3px;}\n.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;color:#1C2430;background:#FFFFFF;}\n.resource-list{display:grid;gap:.75rem;}\n.resource-item{display:flex;align-items:center;gap:1rem;padding:1rem 1.25rem;background:#FFFFFF;border:1px solid #C2D4E6;border-radius:8px;transition:border-color .2s;}\n.resource-item:hover{border-color:#008ED6;}\n.resource-icon{font-size:1.5rem;flex-shrink:0;}\n.resource-item__name{font-family:'Sora',sans-serif;font-weight:600;font-size:.92rem;color:#002147;}\n.resource-item__desc{font-family:'Crimson Pro',Georgia,serif;font-size:.9rem;color:#636B78;}\n.resource-item__link{font-family:'Sora',sans-serif;font-size:.8rem;font-weight:600;color:#00629A;text-decoration:underline;margin-left:auto;white-space:nowrap;flex-shrink:0;}\n@media(max-width:900px){.about-grid,.contact-grid{grid-template-columns:1fr;}.footer__grid{grid-template-columns:1fr 1fr;}.hero__inner{grid-template-columns:1fr;}.hero__stat-band{flex-direction:row;flex-wrap:wrap;min-width:0;}}\n@media(max-width:600px){.footer__grid{grid-template-columns:1fr;}.cta-band__inner{flex-direction:column;}}\n\n .contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0;}\n .contact-item{display:flex;gap:.85rem;align-items:flex-start;min-width:220px;}\n .contact-icon{font-size:1.3rem;line-height:1;margin-top:.1rem;flex-shrink:0;}\n .contact-item__label{font-family:'Sora',sans-serif;font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#636B78;margin-bottom:.15rem;}\n .contact-item__val{font-family:'Crimson Pro',Georgia,serif;font-size:1rem;color:#1C2430;}\n .contact-item__val a{color:#00629A;text-decoration:underline;}\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n ELEMENTOR CONTAINMENT RESETS\n Prevents Elementor wrapper styles from bleeding into our\n custom HTML content blocks.\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n\n\/* Zero out all padding\/margin\/gap\/background on every Elementor wrapper *\/\n.elementor-widget-container,\n.elementor-widget-wrap,\n.elementor-widget-wrap > .elementor-element,\n.elementor-section .elementor-container,\n.elementor-section .elementor-row,\n.e-con,\n.e-con-inner,\n.e-child,\n.e-con > .e-con-inner {\n padding: 0 !important;\n margin: 0 !important;\n gap: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n border: none !important;\n box-shadow: none !important;\n max-width: none !important;\n width: 100% !important;\n}\n\n\/* Section-level Elementor wrappers *\/\n.elementor-section,\n.elementor-top-section,\n.elementor-inner-section {\n padding: 0 !important;\n margin: 0 !important;\n background: transparent !important;\n background-color: transparent !important;\n background-image: none !important;\n}\n\n\/* Strip Elementor heading color overrides *\/\n.elementor-widget-container h1,\n.elementor-widget-container h2,\n.elementor-widget-container h3,\n.elementor-widget-container h4,\n.elementor-widget-container h5,\n.elementor-widget-container p,\n.elementor-widget-container a {\n color: inherit !important;\n}\n\n\/* \u2500\u2500 Dark section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\n .hero and .cta-band.dk MUST stay dark regardless of\n Elementor theme color injection.\n\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero,\n.hero * {\n color: #FFFFFF !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n}\n.hero__inner > div {\n display: flex !important;\n flex-direction: column !important;\n align-items: center !important;\n text-align: center !important;\n max-width: 780px !important;\n margin: 0 auto !important;\n}\n.hero__btns {\n justify-content: center !important;\n}\n.hero__desc {\n max-width: 640px !important;\n margin-left: auto !important;\n margin-right: auto !important;\n}\n.hero__tag {\n display: inline-block !important;\n}\n.hero {\n background-color: #00152E !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 60%, #003366 100%) !important;\n position: relative !important;\n}\n.cta-band.dk {\n background-color: #002147 !important;\n background-image: linear-gradient(135deg, #00152E 0%, #002147 100%) !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk * {\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--primary {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n.cta-band.dk .btn--outline-white {\n border-color: rgba(255,255,255,0.6) !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Section background hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec {\n background-color: #FFFFFF !important;\n color: #1C2430 !important;\n}\n.sec--off {\n background-color: #F3F7FB !important;\n color: #1C2430 !important;\n}\n.sec--surface {\n background-color: #E6EEF6 !important;\n color: #1C2430 !important;\n}\n\n\/* \u2500\u2500 Text color hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.sec .sec-title,\n.sec .sec-eyebrow,\n.sec h2,\n.sec h3 {\n color: #002147;\n}\n.sec p,\n.sec li,\n.sec dd,\n.sec dt {\n color: #4A5060;\n}\n.sec a {\n color: #00629A;\n}\n\n\/* \u2500\u2500 About section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.about-facts {\n background: #E6EEF6 !important;\n border-radius: 8px !important;\n padding: clamp(1.5rem, 3vw, 2.5rem) !important;\n}\n.about-facts__title {\n color: #00629A !important;\n font-weight: 700 !important;\n}\n.about-facts dl dt {\n color: #636B78 !important;\n text-transform: uppercase !important;\n font-size: .72rem !important;\n letter-spacing: .08em !important;\n font-weight: 700 !important;\n}\n.about-facts dl dd {\n color: #1C2430 !important;\n font-size: .97rem !important;\n}\n\n\/* \u2500\u2500 Card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.card__eyebrow { color: #00629A !important; }\n.card__title { color: #002147 !important; }\n.card__text { color: #4A5060 !important; }\n.card__link { color: #00629A !important; }\n\n\/* \u2500\u2500 Faculty card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.faculty-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n}\n.faculty-card__name { color: #002147 !important; }\n.faculty-card__title { color: #636B78 !important; }\n.faculty-card__contact, \n.faculty-card__contact a { color: #00629A !important; }\n\n\/* \u2500\u2500 Resource list hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.resource-item {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-bottom-color: #C2D4E6 !important;\n}\n.resource-item__name { color: #002147 !important; }\n.resource-item__desc { color: #4A5060 !important; }\n.resource-item__link { color: #00629A !important; border-color: #00629A !important; }\n\n\/* \u2500\u2500 Program card hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.program-card {\n background: #FFFFFF !important;\n border: 1px solid #C2D4E6 !important;\n border-radius: 8px !important;\n color: #1C2430 !important;\n}\n.program-card__name { color: #002147 !important; }\n.program-card__level { color: #636B78 !important; }\n.program-card__dot { background: #008ED6 !important; }\n\n\/* \u2500\u2500 Tab hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.tabs__btn {\n background: transparent !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.tabs__btn[aria-selected=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n border-color: #002147 !important;\n}\n\n\/* \u2500\u2500 Accordion hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.accordion__trigger {\n background: #FFFFFF !important;\n color: #002147 !important;\n border-color: #C2D4E6 !important;\n}\n.accordion__trigger[aria-expanded=\"true\"] {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.accordion__body { \n background: #FFFFFF !important; \n color: #4A5060 !important;\n}\n\n\/* \u2500\u2500 Nav drawer hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-drawer {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-drawer__header {\n background: #00152E !important;\n border-bottom-color: rgba(0,142,214,0.3) !important;\n}\n.fnav-drawer__title { color: #FFFFFF !important; }\n.fnav-drawer__eyebrow { color: #3DB4F0 !important; }\n.fnav-item { color: rgba(255,255,255,0.85) !important; }\n.fnav-item.is-active,\n.fnav-item:hover { color: #FFFFFF !important; background: rgba(0,142,214,0.2) !important; }\n.fnav-group__label { color: #3DB4F0 !important; }\n.fnav-drawer__footer { color: #FFFFFF !important; }\n.fnav-footer-link { color: #FFFFFF !important; text-decoration: none; }\n.fnav-footer-link:hover { color: #3DB4F0 !important; }\n\n\/* \u2500\u2500 Hero text hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero__tag { color: #3DB4F0 !important; }\n.hero__title { color: #FFFFFF !important; }\n.hero__desc { color: rgba(255,255,255,0.85) !important; }\n.hero__btns .btn--primary { background-color: #00659E !important; color: #FFFFFF !important; }\n.hero__btns .btn--outline-white { border-color: rgba(255,255,255,0.6) !important; color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Breadcrumb hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.breadcrumb { background: #002147 !important; }\n.breadcrumb a, .breadcrumb span { color: rgba(255,255,255,0.75) !important; }\n.breadcrumb [aria-current=\"page\"] { color: #FFFFFF !important; }\n\n\/* \u2500\u2500 Contact section hardening \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.contact-items { color: #1C2430 !important; }\n.contact-item__label { color: #636B78 !important; }\n.contact-item__val { color: #1C2430 !important; }\n.contact-item__val a { color: #00629A !important; }\n\n\/* \u2500\u2500 Skip link \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link:focus {\n background: #008ED6 !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 BTT button \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.jsu-btt {\n background: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Menu toggle \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle {\n background: #002147 !important;\n color: #FFFFFF !important;\n}\n.fnav-toggle:hover { background: #007ABB !important; }\n\n\/* \u2500\u2500 WCAG: Ensure minimum contrast on all body text \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody { \n background-color: #FFFFFF !important; \n color: #1C2430 !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 TICKER STRIP \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.ticker-wrap{\n background:#00152E;\n border-top:1px solid rgba(0,142,214,.25);\n border-bottom:1px solid rgba(0,142,214,.25);\n overflow:hidden;\n padding:.55rem 0;\n position:relative;\n}\n.ticker-wrap::before,\n.ticker-wrap::after{\n content:'';\n position:absolute;\n top:0;bottom:0;\n width:80px;\n z-index:2;\n pointer-events:none;\n}\n.ticker-wrap::before{\n left:0;\n background:linear-gradient(to right,#00152E,transparent);\n}\n.ticker-wrap::after{\n right:0;\n background:linear-gradient(to left,#00152E,transparent);\n}\n.ticker-label{\n position:absolute;\n left:0;top:50%;\n transform:translateY(-50%);\n background:#008ED6;\n color:#FFFFFF;\n font-family:'Sora',sans-serif;\n font-size:.65rem;\n font-weight:700;\n letter-spacing:.12em;\n text-transform:uppercase;\n padding:.35rem .75rem;\n z-index:3;\n white-space:nowrap;\n}\n.ticker-track{\n display:flex;\n align-items:center;\n gap:0;\n width:max-content;\n animation:ticker-scroll 40s linear infinite;\n padding-left:160px;\n}\n.ticker-track:hover{animation-play-state:paused;}\n.ticker-item{\n display:inline-flex;\n align-items:center;\n gap:.5rem;\n white-space:nowrap;\n padding:0 1.5rem;\n font-family:'Sora',sans-serif;\n font-size:.78rem;\n font-weight:500;\n color:rgba(255,255,255,.75);\n transition:color .2s;\n text-decoration:none;\n}\n.ticker-item:hover{color:#3DB4F0;}\n.ticker-item::before{\n content:'';\n display:inline-block;\n width:4px;height:4px;\n border-radius:50%;\n background:#008ED6;\n flex-shrink:0;\n}\n@keyframes ticker-scroll{\n 0%{transform:translateX(0);}\n 100%{transform:translateX(-50%);}\n}\n@media(prefers-reduced-motion:reduce){\n .ticker-track{animation:none;overflow-x:auto;}\n}\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 HERO CENTERING \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.hero__inner{\n justify-items:center;\n text-align:center;\n}\n.hero__inner > div{\n display:flex;\n flex-direction:column;\n align-items:center;\n text-align:center;\n max-width:780px;\n margin:0 auto;\n}\n.hero__desc{\n max-width:640px;\n margin-left:auto;\n margin-right:auto;\n}\n.hero__btns{\n justify-content:center;\n}\n\n\n\/* \u2500\u2500 Visually hidden elements \u2014 explicit colors for accessibility checkers \u2500\u2500 *\/\n.sr-only,\n.visually-hidden {\n color: #1C2430 !important;\n background-color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Screen-reader-only toggle label \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.fnav-toggle__label {\n color: #FFFFFF !important;\n}\n\/* \u2500\u2500 Skip link always has explicit colors \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.skip-link {\n background-color: #00659E !important;\n color: #FFFFFF !important;\n}\n\n\/* \u2500\u2500 Breadcrumb: sit flush below global header \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\nbody {\n padding-top: 65px !important;\n background-color: #002147 !important;\n}\n.breadcrumb {\n margin-top: 0 !important;\n scroll-margin-top: 65px !important;\n}\n#main-content {\n scroll-margin-top: 65px !important;\n}\n.admin-bar body { padding-top: 97px !important; }\n.admin-bar .breadcrumb { scroll-margin-top: 97px !important; }\n\/* \u2500\u2500 Hero: full viewport height \u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500 *\/\n.hero {\n min-height: 100vh !important;\n height: 100vh !important;\n display: flex !important;\n align-items: center !important;\n justify-content: center !important;\n padding: 0 !important;\n position: relative !important;\n}\n.hero__inner {\n justify-items: center !important;\n text-align: center !important;\n padding: clamp(2rem, 4vh, 5rem) 0 !important;\n width: 100% !important;\n}\n\n\n\/* \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\n JSU GLOBAL NAVIGATION \u2014 matches jsums.edu exactly\n\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.jsu-global-nav {\n position: fixed;\n top: 0; left: 0; right: 0;\n z-index: 1000;\n background: #002147;\n box-shadow: 0 2px 16px rgba(0,0,0,.35);\n}\n.jsu-global-nav__top {\n background: #00152E;\n padding: .3rem 0;\n border-bottom: 1px solid rgba(0,142,214,.2);\n}\n.jsu-global-nav__top-inner {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n gap: 1rem;\n flex-wrap: wrap;\n}\n.jsu-global-nav__util-links {\n display: flex;\n flex-wrap: wrap;\n gap: .15rem .75rem;\n list-style: none;\n}\n.jsu-global-nav__util-links a {\n font-family: 'Sora',sans-serif;\n font-size: .68rem;\n font-weight: 500;\n color: rgba(255,255,255,.65);\n text-decoration: none;\n letter-spacing: .02em;\n transition: color .15s;\n}\n.jsu-global-nav__util-links a:hover { color: #3DB4F0; }\n.jsu-global-nav__ctas {\n display: flex;\n gap: .4rem;\n}\n.jsu-global-nav__cta {\n font-family: 'Sora',sans-serif;\n font-size: .72rem;\n font-weight: 700;\n letter-spacing: .05em;\n text-decoration: none;\n padding: .3rem .85rem;\n border-radius: 4px;\n transition: background .15s, color .15s;\n}\n.jsu-global-nav__cta--apply {\n background: #00659E;\n color: #FFFFFF;\n}\n.jsu-global-nav__cta--apply:hover { background: #007ABB; }\n.jsu-global-nav__cta--visit {\n background: transparent;\n color: rgba(255,255,255,.8);\n border: 1px solid rgba(255,255,255,.3);\n}\n.jsu-global-nav__cta--visit:hover { background: rgba(255,255,255,.08); color: #FFFFFF; }\n.jsu-global-nav__cta--give {\n background: #3DB4F0;\n color: #002147;\n font-weight: 800;\n}\n.jsu-global-nav__cta--give:hover { background: #6DC8F5; }\n\n.jsu-global-nav__main {\n max-width: 1340px;\n margin: 0 auto;\n padding: 0 clamp(1.25rem,4vw,3rem);\n display: flex;\n align-items: center;\n justify-content: space-between;\n height: 64px;\n gap: 1.5rem;\n}\n.jsu-global-nav__logo {\n display: flex;\n align-items: center;\n gap: .65rem;\n text-decoration: none;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark {\n width: 44px;\n height: 44px;\n border-radius: 6px;\n background: #FFFFFF;\n display: flex;\n align-items: center;\n justify-content: center;\n flex-shrink: 0;\n}\n.jsu-global-nav__logo-mark span {\n font-family: 'Sora',sans-serif;\n font-weight: 900;\n font-size: 1.05rem;\n color: #002147;\n letter-spacing: -.03em;\n}\n.jsu-global-nav__logo-text { line-height: 1.15; }\n.jsu-global-nav__logo-text strong {\n display: block;\n font-family: 'Sora',sans-serif;\n font-weight: 800;\n font-size: .88rem;\n color: #FFFFFF;\n letter-spacing: .01em;\n}\n.jsu-global-nav__logo-text span {\n font-family: 'Sora',sans-serif;\n font-size: .62rem;\n font-weight: 500;\n letter-spacing: .14em;\n text-transform: uppercase;\n color: #3DB4F0;\n}\n\n.jsu-global-nav__menu {\n display: flex;\n align-items: center;\n gap: 0;\n list-style: none;\n}\n.jsu-global-nav__menu > li {\n position: relative;\n}\n.jsu-global-nav__menu > li > a,\n.jsu-global-nav__menu > li > button {\n display: flex;\n align-items: center;\n gap: .3rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: rgba(255,255,255,.85);\n text-decoration: none;\n padding: .55rem .75rem;\n border-radius: 6px;\n background: none;\n border: none;\n cursor: pointer;\n transition: color .15s, background .15s;\n white-space: nowrap;\n}\n.jsu-global-nav__menu > li > a:hover,\n.jsu-global-nav__menu > li > button:hover {\n color: #FFFFFF;\n background: rgba(255,255,255,.08);\n}\n.jsu-global-nav__menu > li > a::after,\n.jsu-global-nav__menu > li > button.has-sub::after {\n content: '';\n display: inline-block;\n width: 0; height: 0;\n border-left: 4px solid transparent;\n border-right: 4px solid transparent;\n border-top: 4px solid currentColor;\n opacity: .6;\n margin-left: .2rem;\n transition: transform .2s;\n}\n.jsu-global-nav__menu > li:hover > button.has-sub::after,\n.jsu-global-nav__menu > li:focus-within > button.has-sub::after {\n transform: rotate(180deg);\n}\n\n\/* Dropdowns *\/\n.jsu-global-nav__dropdown {\n position: absolute;\n top: calc(100% + 4px);\n left: 0;\n min-width: 220px;\n background: #001736;\n border: 1px solid rgba(0,142,214,.25);\n border-radius: 8px;\n box-shadow: 0 8px 32px rgba(0,0,0,.4);\n padding: .5rem 0;\n opacity: 0;\n visibility: hidden;\n transform: translateY(-8px);\n transition: opacity .2s, visibility .2s, transform .2s;\n z-index: 100;\n list-style: none;\n}\n.jsu-global-nav__menu > li:hover .jsu-global-nav__dropdown,\n.jsu-global-nav__menu > li:focus-within .jsu-global-nav__dropdown {\n opacity: 1;\n visibility: visible;\n transform: translateY(0);\n}\n.jsu-global-nav__dropdown a {\n display: block;\n padding: .5rem 1.1rem;\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 500;\n color: rgba(255,255,255,.8);\n text-decoration: none;\n transition: color .15s, background .15s;\n}\n.jsu-global-nav__dropdown a:hover {\n color: #FFFFFF;\n background: rgba(0,142,214,.15);\n}\n.jsu-global-nav__dropdown .drop-group-label {\n display: block;\n padding: .65rem 1.1rem .25rem;\n font-family: 'Sora',sans-serif;\n font-size: .65rem;\n font-weight: 700;\n letter-spacing: .12em;\n text-transform: uppercase;\n color: #3DB4F0;\n border-top: 1px solid rgba(0,142,214,.2);\n margin-top: .35rem;\n}\n.jsu-global-nav__dropdown .drop-group-label:first-child {\n border-top: none;\n margin-top: 0;\n}\n\n\/* Mobile menu toggle *\/\n.jsu-global-nav__mob-btn {\n display: none;\n background: none;\n border: 1px solid rgba(255,255,255,.3);\n border-radius: 6px;\n color: #FFFFFF;\n padding: .45rem .65rem;\n cursor: pointer;\n font-size: 1.15rem;\n line-height: 1;\n transition: background .15s;\n}\n.jsu-global-nav__mob-btn:hover { background: rgba(255,255,255,.1); }\n\n\/* Page body offset for fixed nav *\/\nbody { padding-top: 0 !important; }\n.breadcrumb {\n margin-top: 54px !important; }\n.admin-bar .breadcrumb {\n margin-top: 46px !important; }\n#main-content { scroll-margin-top: 104px !important; }\n\n\/* Sections scroll past nav *\/\n[id] { scroll-margin-top: 104px; }\n\n@media(max-width: 1024px) {\n .jsu-global-nav__menu { display: none; }\n .jsu-global-nav__mob-btn { display: flex; align-items: center; justify-content: center; }\n}\n@media(max-width: 600px) {\n .jsu-global-nav__logo-text { display: none; }\n}\n\n\n\/* \u2550\u2550 PDF \/ Document Inline Viewer \u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550\u2550 *\/\n.doc-embed-wrap {\n margin: 1.25rem 0;\n border: 1px solid #C2D4E6;\n border-radius: 10px;\n overflow: hidden;\n background: #F3F7FB;\n}\n.doc-embed-toolbar {\n display: flex;\n align-items: center;\n justify-content: space-between;\n padding: .6rem 1rem;\n background: #002147;\n gap: .75rem;\n flex-wrap: wrap;\n}\n.doc-embed-toolbar__title {\n font-family: 'Sora',sans-serif;\n font-size: .82rem;\n font-weight: 600;\n color: #FFFFFF;\n flex: 1;\n min-width: 0;\n white-space: nowrap;\n overflow: hidden;\n text-overflow: 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Pro',Georgia,serif;font-size:1.05rem;line-height:1.7;color:#1C2430;margin:0 0 .8rem}\n.timeline strong{color:#7A3607}\n.timeline ul{margin:.5rem 0 .8rem;padding-left:1.5rem}\n.timeline li{font-family:'Crimson Pro',Georgia,serif;font-size:1.03rem;line-height:1.6;color:#1C2430;margin:.3rem 0}\n.timeline__fine{font-size:.95rem;font-style:italic;color:#4A5060;margin:0}\n\n\/* Contact items *\/\n.contact-items{display:flex;flex-wrap:wrap;gap:2.5rem;margin-top:0}\n.contact-item{display:flex;gap:.85rem;align-items:flex-start;margin-bottom:0}\n\n\/* \u2550\u2550\u2550 ADA CONTRAST HARDENING OVERRIDES \u2550\u2550\u2550 *\/\n.card__title{color:#002147 !important}\n.card__text{color:#1C2430 !important}\n.proc__title{color:#002147 !important}\n.proc p{color:#1C2430 !important}\n.proc__sub{color:#00629A !important}\n.proc ol>li,.proc ul>li{color:#1C2430 !important}\n.proc__note{color:#1C2430 !important}\n.term__name{color:#002147 !important}\n.term__def{color:#1C2430 !important}\n.term__def li{color:#1C2430 !important}\n.qlink{color:#00629A !important}\n.timeline__title{color:#7A3607 !important}\n.timeline p,.timeline li{color:#1C2430 !important}\n.timeline__fine{color:#4A5060 !important}\n\n@media (max-width: 760px){\n.cards-grid{grid-template-columns:1fr;gap:1rem}\n.proc{padding:1.5rem 1.4rem}\n.contact-items{gap:1.5rem}\n}\n<\/style>\n<\/head>\n<body>\n\n<a href=\"#main-content\" class=\"skip-link\">Skip to main content<\/a>\n\n<nav class=\"breadcrumb\" aria-label=\"Breadcrumb\">\n<div class=\"w\"><ol class=\"breadcrumb__list\">\n <li><a href=\"https:\/\/www.jsums.edu\/\">JSU Home<\/a><\/li>\n <li><a href=\"https:\/\/www.jsums.edu\/financialaid\">Financial Aid<\/a><\/li>\n <li><span aria-current=\"page\">Glossary<\/span><\/li>\n<\/ol><\/div>\n<\/nav>\n\n<main id=\"main-content\" class=\"jsu-main-content\">\n\n \n <section class=\"hero dk\" aria-labelledby=\"hero-h\">\n <div class=\"w\"><div class=\"hero__inner\"><div>\n <span class=\"hero__tag\">JSU · Financial Aid<\/span>\n <h1 class=\"hero__title\" id=\"hero-h\">\n Financial aid <em>glossary<\/em>\n <\/h1>\n <p class=\"hero__desc\">\n Definitions of commonly used financial aid terms — from Cost of\n Attendance and EFC\/SAI to the MPN, NSLDS, and verification.\n <\/p>\n <div class=\"hero__btns\">\n <a href=\"#glossary\" class=\"btn btn--primary\">View Glossary<\/a>\n <a href=\"#contact\" class=\"btn btn--outline-white\">Contact<\/a>\n <\/div>\n <\/div><\/div><\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"glossary\" aria-labelledby=\"glossary-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Glossary<\/span>\n <h2 class=\"sec-title\" id=\"glossary-h\">Commonly used terms<\/h2>\n <\/div>\n <dl class=\"glossary\">\n <div class=\"term\"><dt class=\"term__name\">Award Notification<\/dt><dd class=\"term__def\">Notifications of a student’s financial aid eligibility.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Academic Course Load<\/dt><dd class=\"term__def\">Undergraduate students should be registered for an average of 15 credit hours per term in order to graduate in four years. Twelve (12) credits per term are considered the minimum full-time enrollment.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Budget\/Cost of Attendance (COA)<\/dt><dd class=\"term__def\">Each institution must establish a budget that will be used to award student aid. Jackson State University budgets are based on certain categories: In-State Undergraduate students, Out-of-State Undergraduate students, In-State Graduate students, Out-of-State Graduate students, and Summer Developmental Students. The Budget\/Cost of Attendance (COA) includes estimated costs for tuition (based on 12 credits per term), tuition and fees, room and board, books and supplies, transportation, and personal expenses (laundry, toothpaste, clothing, etc.). A student’s actual expenses will vary, depending on the number of credits hours enrolled and the student’s living expenses.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Cost of Attendance<\/dt><dd class=\"term__def\">The Cost of Attendance consists of the sum of educational costs payable to the school (also referred to as direct or billable costs) and costs paid to others (or indirect, non-billable or discretionary) costs. The Cost of Attendance represents the highest dollar amount of financial aid a student can receive during an award year.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Costs Payable to the School<\/dt><dd class=\"term__def\">Costs Payable to the school (also referred to as direct or billable costs) generally include tuition, fees, housing, and meals\/food (for students residing on campus), health insurance (if minimum insurance coverage is not documented), or any other expenses paid to the school for enrollment.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Default<\/dt><dd class=\"term__def\">Default is failure to repay a loan according to the terms agreed to when the student\/borrower signed the promissory note. Default, also, may result from failure to submit requests for deferment, forbearance or cancellation on time. The consequences of default are severe (i.e. garnishing of wages, bad credit, garnishing of tax refunds, etc.)<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Disbursement<\/dt><dd class=\"term__def\">Disbursement is the application of funds to a student’s account. If funds are remaining after university charges are paid, then the student will have a disbursement to them, by either electronic funds transfer to their personal bank account or through a check in the mail (per their designation on the Disbursement Authorization Statement).<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Educational Loan<\/dt><dd class=\"term__def\">Money borrowed from the federal government, a college or university, or a private source like a bank or financial institution to pay for educational expenses and must be paid back with interest.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Eligible Non-Citizen<\/dt><dd class=\"term__def\">According to federal guidelines, eligible non-citizen includes:<ul><li>U.S. nationals<\/li><li>U.S. permanent resident who hold either a I-151, I-551 or I-551C card<\/li><li>Holders of the I-94 form with a notation of Refugee\/Asylum Granted \/Cuban-Haitian Entrant, Status Pending or conditional Entrant (if issued before April 1, 1980), or Parolee (if paroled for at least 1 year, with evidence provided to USCIS that residence is for other than temporary purpose).<\/li><li><strong>Note:<\/strong> The following statuses are ineligible for aid:<ul><li>F, G, or J series visa holders<\/li><li>I-171 or I-464 holders<\/li><\/ul><\/li><\/ul><\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Enrollment Status<\/dt><dd class=\"term__def\">The number of credits, clock hours, or classes the student is enrolled in, or whether they have withdrawn, graduated, etc. Enrollment status affects eligibility for and the amount of financial aid a student may receive. It also affects when student loans enter repayment status.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Expected Family Contribution (EFC)<\/dt><dd class=\"term__def\">When a FAFSA is filed with the federal government, the federal processor uses a formula set up by federal regulations to determine the “Expected Family Contribution (EFC)”. The EFC (in theory) is the amount a student and their family is expected to pay toward school expenses. The federal formula takes into account many factors, including number of people in the family, number in college, state of residency (some states have a state tax or sales tax) and the age of the older parent. Per federal rules, the EFC is used in calculating the student’s eligibility for aid; even if, the family\/parents cannot or will not contribute to the student’s education. While costs the at schools will be different, the EFC will stay the same.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Free Application for Federal Student Aid<\/dt><dd class=\"term__def\">The Free Application for Federal Student Aid (FAFSA) is the federal application that must be completed for consideration for federal, state, university grants, work-study and loans (including the Federal Stafford, Federal Loan for Parents-PLUS and Grad Plus for Graduates). The FAFSA data is used to determine a student’s financial need for need-based aid and EFC.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Loan<\/dt><dd class=\"term__def\">Also known as the Direct Loan Program, which allows eligible students and parents to borrow directly from the U.S. Department of Education at participating colleges or universities. Federal student loans include Direct Subsidized, Direct Unsubsidized and the Direct PLUS programs for parents of dependent students and graduate or professional students.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Graduate PLUS Loan<\/dt><dd class=\"term__def\">Direct Graduate PLUS Loans are federal loans that graduate or professional students use to help pay for education expenses. A credit check for adverse credit history is required for eligibility. Interest begins to accrue when the loan is disbursed and can be paid while the student is enrolled or when loan repayment begins.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Parent PLUS Loan<\/dt><dd class=\"term__def\">Direct Parent PLUS Loans are federal loans that parents of dependent undergraduate students can use to help pay for education expenses. Parents must pass a credit check for adverse credit history to qualify for PLUS loans.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Subsidized Student Loan<\/dt><dd class=\"term__def\">A Direct Subsidized Loan is an undergraduate federal student loan based on financial need and offers students a reduced, fixed interest rate and flexible repayment terms. Interest is subsidized, meaning it does not accrue to the borrower, while in an in-school, grace, or deferment period. Annual and aggregate limits apply.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Direct Unsubsidized Student Loan<\/dt><dd class=\"term__def\">An unsubsidized loan offers students a fixed interest rate and flexible repayment terms. It is not based on financial need. Interest begins to accrue when the loan is disbursed and can be paid while the student is enrolled or when loan repayment begins. Annual and aggregate limits apply.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Pell Grant<\/dt><dd class=\"term__def\">The Pell Grant is a federal grant program designed to assist undergraduate students in low- and moderate-income households to pay for college. The award amount is based on the cost of the institution, SAI, and enrollment status, and is subject to an aggregate limit.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Supplemental Educational Opportunity Grant (FSEOG)<\/dt><dd class=\"term__def\">A federal grant provided by the institution to qualified undergraduate students who demonstrate exceptional financial need and does not need to be repaid. The amount of funding from this program varies by institution.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Federal Work-Study<\/dt><dd class=\"term__def\">Federal Work-Study provides funding for part-time jobs for undergraduate and graduate students with financial need. Unlike grants and loans, FWS is paid to students as they earn the funds by working.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Financial Aid Offer<\/dt><dd class=\"term__def\">A financial aid offer is a document sent by a postsecondary institution to a student that outlines the amounts and details of the financial aid being offered to the student, which may include scholarships, grants, loans, employment, or other forms of financial assistance to pay for college expenses. Sometimes schools refer to these as financial aid “awards”, although this term is outdated. Schools should refer to these as financial aid offers.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Financial Need<\/dt><dd class=\"term__def\">Financial Need is the difference between the Cost of Attendance (COA) at the university and the Expected Family Contribution (EFC).<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Free Application for Federal Student Aid (FAFSA)<\/dt><dd class=\"term__def\">The Free Application for Federal Student Aid (FAFSA) is the federal application that must be completed for consideration for federal, state, university grants, work-study and loans (including the Federal Stafford, Federal Loan for Parents-PLUS and Grad Plus for Graduates). The FAFSA data is used to determine a student’s financial need for need-based aid and EFC.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Grants & Scholarships<\/dt><dd class=\"term__def\">Any money provided to students that does not have to be repaid. They can be called grants, scholarships, tuition remissions, gift aid, or tuition waivers. Grants and scholarships are provided based on many different factors.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Loan Entrance Counseling<\/dt><dd class=\"term__def\">According to federal requirements, students are required to complete an Entrance Loan Counseling session before they receive their first loan disbursement. This counseling session is used to advise students of their rights and responsibilities as a borrower. JSU provides this session online at <a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov\/<\/a>.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Loan Exit Counseling<\/dt><dd class=\"term__def\">According to federal requirements, students who have received a federal educational loan must complete Loan Exit Counseling upon graduation or termination of enrollment. JSU provides this session online at <a href=\"https:\/\/studentaid.gov\/\">https:\/\/studentaid.gov\/<\/a>.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Lender<\/dt><dd class=\"term__def\">An institution who provides money for loans. Most lenders are financial institutions, but lenders may also be state agencies or schools.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Merit-based Financial Aid<\/dt><dd class=\"term__def\">Financial assistance awarded based on accomplishments, such as academic or athletic performance.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Master Promissory Note (MPN)<\/dt><dd class=\"term__def\">The Master Promissory Note (MPN) is the binding legal document a borrower must sign before receiving a student loan. It lists the conditions for borrowing and the terms under which the student agrees to pay back the loan. The MPN will include information about the grace period, interest rate, deferment, forbearance, cancellation provisions and the borrower’s rights and responsibilities with respect to the loan It is very important that the borrower read and save this document to refer to it later when it’s time to repay the loan. The Master Promissory Note is a one-time promissory note signed by all loans borrowed at JSU, as long as they fall under certain conditions. Contact the Financial Aid Office or the lender for any questions regarding the Master Promissory Note.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">National Student Loan Data System (NSLDS)<\/dt><dd class=\"term__def\">The National Student Loan database system is a federal website that collects information on student loans. By using your Federal Student Aid ID (FSA ID), the student can get information on their federal loans, grants, outstanding balances, loan status and disbursements. <strong>Note<\/strong>: NSLDS in not a real-time database. Agencies update NSLDS on a monthly schedule so the data shown may not reflect recent changes.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Need<\/dt><dd class=\"term__def\">The student’s Cost of Attendance minus their Student Aid Index.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Need-based Aid<\/dt><dd class=\"term__def\">Financial assistance provided to students based on their financial situation, determined by completing the FAFSA. Need-based financial aid can take different forms, including grants, scholarships, work-study programs, and low-interest loans, like the federal direct subsidized loan.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Net Price<\/dt><dd class=\"term__def\">The difference between the cost of attendance and all grants and scholarships. Net price reflects what the student is expected to pay for their education on their own and can be covered through a variety of sources, including savings, student employment, institutional payment plans, or education loans.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Other Funding Options<\/dt><dd class=\"term__def\">Funding options outside of grants and scholarships that a student and their family may use to pay any remaining costs or expenses. This may include loans, student employment, institutional payment plans, or personal savings.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Private Loan<\/dt><dd class=\"term__def\">A student or parent loan from a bank, credit union, private company, a nonprofit or state-affiliated lender, or from the college or university directly to pay for educational costs. Interest begins to accrue when the loan is disbursed, and repayment begins while the student is still enrolled in school.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Satisfactory Academic Progress<\/dt><dd class=\"term__def\">Per federal requirements, schools must establish minimum criteria that students must meet to show adequate academic progress (Standards for Satisfactory Academic Progress – SSAP) to continue eligibility for aid. Please see the JSU catalog for more information.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Selected for Verification<\/dt><dd class=\"term__def\">A certain percentage of students who complete the FAFSA will be selected by the federal processor for verification. The school will then request required documentation to verify the data reported on the FAFSA. This may include federal income tax return transcripts, verification worksheets and\/or other documents. Notification of documents requested from the Financial Aid Office is posted to the student’s JSU PAWS account.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Student Aid Index (SAI) Formerly EFC (Expected Family Contribution)<\/dt><dd class=\"term__def\">The SAI is the eligibility index used to determine your eligibility for federal, and in some instances, state and institutional need-based student financial aid. Generally, students with a higher SAI are eligible for less need-based financial aid. It is based upon the information provided by the student and their family on the FAFSA.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Student Aid Report (SAR)<\/dt><dd class=\"term__def\">Upon completion of the FAFSA, the student will receive a Student Aid Report (SAR). Once the FAFSA is complete online, this summary will be provided to the student online. If the student completed the paper application, this form will be mailed to the student. It is important to review the information on the SAR and read all comments noted by the federal processor as additional information is sometimes required to complete processing.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Verification<\/dt><dd class=\"term__def\">A federally mandated process to confirm the accuracy of data provided by selected applicants on the FAFSA. To complete the verification process, the student, their parent(s), or spouse, if applicable, are required to provide certain documents to the school for review. If the documentation the student provides the institution doesn’t match what was reported on the FAFSA, verification can result in changes to the student’s financial aid eligibility, and\/or financial aid offers.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Verification Worksheet<\/dt><dd class=\"term__def\">The Verification Worksheet is a form sent from the Financial Aid Office to students who are selected for verification after receipt of the FAFSA data.<\/dd><\/div>\n <div class=\"term\"><dt class=\"term__name\">Withdrawals<\/dt><dd class=\"term__def\">To officially withdraw from Jackson State University, students must contact Undergraduate Studies at 601-979-2127 and the Registrar’s Office at (601-979-2300). All courses attempted, including withdrawals, will be used to determine Satisfactory Academic Progress (SAP).<\/dd><\/div>\n <\/dl>\n <div style=\"margin-top:1.75rem;\">\n <a href=\"#quicklinks\" class=\"btn btn--outline-navy\">Explore the Financial Aid website<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec sec--off\" id=\"quicklinks\" aria-labelledby=\"quicklinks-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.25rem;\">\n <span class=\"sec-eyebrow\">Quick links – units<\/span>\n <h2 class=\"sec-title\" id=\"quicklinks-h\">Quick links<\/h2>\n <\/div>\n <div class=\"qlink-row\">\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2025\/02\/24.25-Financial-Aid-Checklist.pdf\">Financial Aid Checklist<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Financial Aid FAQs<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Financial Aid Forms<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/2017\/11\/19\/rights-and-responsibilities\/\">Rights And Responsibilities<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/admissions\/parents-and-families\/\">Parents And Families<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/creating-an-fsaid\/\">Creating A Federal Student Aid ID (FSA ID)<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/businessfinance\/tuition-and-fees\/#Fees\">Tuition And Fees<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2021\/02\/2021-2022-View-Your-Financial-Aid-Status.pdf\">Financial Aid Status<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/06\/2020-2021-When-the-Financial-Aid-Award-Package-is-Not-Enough-.pdf\">When The Financial Aid Package Is Not Enough<\/a>\n <a class=\"qlink\" href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2017\/08\/Financial-Aid-Repeat-Course-Policy.pdf\">Financial Aid Repeat Course Policy<\/a>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"sec\" id=\"help\" aria-labelledby=\"help-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Let us help you<\/span>\n <h2 class=\"sec-title\" id=\"help-h\">Let us help you<\/h2>\n <\/div>\n <div class=\"cards-grid\" style=\"margin-bottom:1.75rem;\">\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a><\/div>\n <div class=\"card__text\"><p>Students seeking federal financial aid are required to complete the Free Application for Federal Student Aid (<a href=\"https:\/\/studentaid.gov\/h\/apply-for-aid\/fafsa\">FAFSA<\/a>). Jackson State University’s priority deadline is April 15th each year. <strong>Access Financial Aid Forms<\/strong>. <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/\">Click Here<\/a>. Frequently asked questions concerning Financial Aid. <a href=\"https:\/\/www.jsums.edu\/financialaid\/files\/2020\/11\/FAQs-for-Financial-Aid.pdf\">Click Here<\/a><\/p><\/div>\n <\/div><\/div>\n <div class=\"card\"><div class=\"card__body\">\n <div class=\"card__title\"><a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">CARES Act Emergency Assistance for Students<\/a><\/div>\n <div class=\"card__text\"><p>Emergency assistance for students through the CARES Act. <a href=\"https:\/\/www.jsums.edu\/financialaid\/cares-act\/\">Learn more<\/a>.<\/p><\/div>\n <\/div><\/div>\n <\/div>\n <div class=\"timeline\">\n <p class=\"timeline__title\">Service timeline for submitted documents<\/p>\n <p>All documents submitted to the Office of Financial Aid can take up to <strong>21 business days<\/strong> for processing.<\/p>\n <p><strong>To prevent a delay in processing your documents, please be sure to:<\/strong><\/p>\n <ul>\n <li>Verify documents are filled completely, legible and signed.<\/li>\n <li>Check that documents that require a signature have HANDWRITTEN signatures; no typed or electronic signatures are acceptable.<\/li>\n <li>Verify that all documents contain the student’s name and J-Number.<\/li>\n <\/ul>\n <p class=\"timeline__fine\">*Business days do not include the weekends, holidays, and all other unspecified days the university is closed.<\/p>\n <\/div>\n <\/div>\n <\/section>\n\n \n <section class=\"cta-band dk\" aria-labelledby=\"cta-h\">\n <div class=\"w\"><div class=\"cta-band__inner\">\n <div>\n <h2 class=\"cta-band__title\" id=\"cta-h\">Questions about your aid?<\/h2>\n <p class=\"cta-band__sub\">Email the Financial Aid Office at finaid@jsums.edu and include your J-number, or call (866) THEE-JSU.<\/p>\n <\/div>\n <div class=\"cta-band__btns\">\n <a href=\"mailto:finaid@jsums.edu\" class=\"btn btn--primary\">Email finaid@jsums.edu<\/a>\n <a href=\"tel:+18668433578\" class=\"btn btn--outline-white\">Call 866-843-3578<\/a>\n <\/div>\n <\/div><\/div>\n <\/section>\n\n \n <section class=\"sec sec--surface\" id=\"contact\" aria-labelledby=\"contact-h\">\n <div class=\"w\">\n <div class=\"sec-head\" style=\"margin-bottom:1.5rem;\">\n <span class=\"sec-eyebrow\">Division of Financial Aid<\/span>\n <h2 class=\"sec-title\" id=\"contact-h\">Location<\/h2>\n <\/div>\n <div class=\"contact-items\">\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📍<\/div>\n <div><div class=\"contact-item__label\">Location<\/div>\n <div class=\"contact-item__val\">Jackson State University<br>Financial Aid Office<br>PO Box 17065<br>Jackson, MS 39217<\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">✉<\/div>\n <div><div class=\"contact-item__label\">Email<\/div>\n <div class=\"contact-item__val\"><a href=\"mailto:finaid@jsums.edu\">finaid@jsums.edu<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📞<\/div>\n <div><div class=\"contact-item__label\">Phone<\/div>\n <div class=\"contact-item__val\"><a href=\"tel:+18668433578\">(866) THEE‑JSU \/ 866-843-3578<\/a><\/div><\/div><\/div>\n <div class=\"contact-item\"><div class=\"contact-icon\" aria-hidden=\"true\">📨<\/div>\n <div><div class=\"contact-item__label\">Fax<\/div>\n <div class=\"contact-item__val\">(601) 979-2237<\/div><\/div><\/div>\n <\/div>\n <\/div>\n <\/section>\n\n<\/main>\n\n<button class=\"fnav-toggle\" aria-label=\"Open page navigation menu\" aria-expanded=\"false\" aria-controls=\"fnav-drawer\" type=\"button\">\n <span class=\"fnav-toggle__icon\" aria-hidden=\"true\">☰<\/span>\n <span class=\"fnav-toggle__label\">Menu<\/span>\n<\/button>\n\n<div class=\"fnav-overlay\" id=\"fnav-overlay\" aria-hidden=\"true\"><\/div>\n\n<nav class=\"fnav-drawer\" id=\"fnav-drawer\" aria-label=\"Page navigation\" aria-hidden=\"true\">\n <div class=\"fnav-drawer__header\">\n <div>\n <span class=\"fnav-drawer__eyebrow\">JSU · Financial Aid<\/span>\n <span class=\"fnav-drawer__title\">Financial Aid<\/span>\n <\/div>\n <button class=\"fnav-close\" aria-label=\"Close navigation menu\" type=\"button\">×<\/button>\n <\/div>\n <div class=\"fnav-drawer__body\">\n <div class=\"fnav-group\">\n <ul class=\"fnav-group__items\" role=\"list\">\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/#WELCOME\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Home<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-fiancial-aid\/#HOW\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">How To Apply<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/one-big-beautiful-bill-act\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">One Big Beautiful Bill Act<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/types-of-financial-aid\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Types<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/resources\/\" class=\"fnav-item\" aria-current=\"page\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Resources<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/applying-for-financial-aid-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Videos<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/financial-aid-forms\/#Learn\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Financial Aid Forms<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/consumer-information\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Consumer Information<\/span>\n <\/a>\n <\/li>\n <li>\n <a href=\"https:\/\/www.jsums.edu\/financialaid\/contact-2\/\" class=\"fnav-item\" aria-current=\"false\">\n <span class=\"fnav-item__dot\" aria-hidden=\"true\"><\/span>\n <span class=\"fnav-item__text\">Contact Us<\/span>\n <\/a>\n <\/li>\n <\/ul>\n <\/div>\n <\/div>\n <div class=\"fnav-drawer__footer\">\n <a href=\"https:\/\/www.jsums.edu\/financialaid\" class=\"fnav-footer-link\" style=\"color:#FFFFFF !important;\">← Financial Aid<\/a>\n <\/div>\n<\/nav>\n\n<button class=\"jsu-btt\" id=\"jsu-btt\" aria-label=\"Back to top\" 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