Academic Load
Students in the M.S. program will enroll for seven (7) or eight (8) semester hours during the fall, spring, and May/summer semesters. The normal load is seven (7) semester hours for the fall and spring terms and eight (8) semester hours for the May/summer session.

Class Attendance
Peer as well as faculty interaction is a very important component in the graduate learning process. Thus, the class attendance of each student is a significant factor in the teaching and learning environment, and student attendance in class is an important expectation of the program. A student is expected to discuss any absence with his/her instructor. In general, faculty members will assist the student in securing the information missed due to an emergency absence.

Excused, work-related absences must be verified in writing by the employment supervisor of the student. In general, faculty members will assist the student in securing the information missed due to an emergency absence. All cellular telephones and paging devices must be turned off during class and testing periods.

Tuition and Fees
The 2010-2011 graduate tuition rate is $735 per hour. For enrollees taking seven (7) semester hours the tuition is $5,145. During the one semester the M.S.P. students take eight (8) semester hours, the tuition would be $5,580. There is no activity fee for M.S.P. enrollees. A graduation fee of $225 is charged.

Payment Plan
A no-interest budget plan ("FACTS") is available for M.S. graduate students. A $35-per-semester or a $50 annual enrollment fee is charged. In order to participate, a student must complete an "Automatic Tuition Payment Agreement Form" which authorizes their bank to deduct tuition charges from a checking and/or savings account on specific dates during the semester. A voided check must be supplied when the appropriate paperwork is completed. This plan may also be used with a valid MasterCard/Visa/Discover/American Express credit card. Students considering using the "FACTS" payment plan should read the current information brochure carefully. This pamphlet is available in the Business Office of the University.

Scholarship Availability
A selective admission student would be able to qualify for a special graduate scholarship. Awards will be made based on previous academic performance and the perceived potential for success in both this academic program and in the current/future employment arena. Individual scholarship students are encouraged to seek additional funding and/or reimbursement from their employing agencies. A per month payment plan and/or a student loan program will be made available on tuition balances due after all scholarship monies have been applied to a student account. The University accepts both personal checks and MasterCard/Visa. The tuition cost(s) for scholarship students will be calculated at the following rate:

• $345 per semester hour
• $2,145 per semester (taking seven [7] hours)
• $2,760 per semester (taking eight [8] hours)

Refund Policy
Cumberland University has adopted the federal refund policy as established by the United States Department of Education as defined in the "Higher Education Act Amendments" as specified in 1992. Federal refund policies are subject to revisions based on legislative changes and/or the issuance of additional federal regulations. The current policy is as follows:

A student that officially withdraws up to one week before or on the first day of class	100% Refund
A student that officially withdraws after the first day of class through the first 10 percent of the enrollment period	90% Refund
A student that officially withdraws after the first 10 percent through the first 25 percent of the enrollment period	50% Refund
A student that officially withdraws after the first 25 percent through the first 50 percent of the enrollment period	25% Refund
A student that officially withdraws after the first 50 percent of the enrollment period	No Refund

Official withdrawal, during any semester, does not cancel tuition and fee charges already incurred from previous terms.

Books and Supplies
Required textbooks and supplies will be available for purchase in the University Bookstore, located in Labry Hall on the main campus of the University.

Application of Regulations
The Cumberland University rules and regulations found in program-specific documents and in the Cumberland University Catalog, the Cumberland University Graduate Catalog and the Cumberland University Student Handbook, apply to M.S.P. students. These regulations include, but are not limited to, registration, schedule changes, withdrawal from class and/or the University, graduation participation, grade point average requirements, release of information, student services, class availability, use of English, class attendance/preparation, grade reports, enrollment certification/verification, change of name/address and academic misconduct.