Office of Student Financial Aid

The Office of Student Financial Aid administers federal, state, and institutional aid to help students meet their college expenses.  Financial assistance in the form of Federal Grants, Federal Loans, Work Study, and Scholarships is available to all students who complete the necessary federal aid application process and qualify for assistance.


The Financial Aid staff’s mission is to help students pursue their educational goals by providing financial information and services in a professional and individualized manner.  We are enthusiastic about assisting you as you complete the financial aid application process so that your eligibility can be determined and a financial aid award can be offered in a timely manner.   We are dedicated to operating in accordance with federal, state, and university guidelines, as well as those set forth in our Code of Conduct and Statement of Ethical Principles.

We look forward to working with you!

After you have completed and submitted your Application for Admission. Your steps to applying for aid are:

Step 1. Request an FSA ID

Step 2. Complete the Free Application for Federal Student Aid (FAFSA)

You must submit your FAFSA electronically via the U.S. Department of Education’s (ED) webpage at You may also apply via the ED’s new phone app, MyStudentAid. Currently available in both the Apple and Google Play stores.

•  Our School Code: 001087 is required so that Arkansas Baptist College will receive your processed FAFSA.

•  October 1 of each year is the start date for completing your online FAFSA Application

Step 3. Verification (if selected)

The U.S. Department of Education occasionally selects students applying for federal financial aid for a process called “Verification”. Students (as well as parents) are required to submit additional documentation.

Arkansas Baptist College has partnered with Inceptia, to ease the process of completing verification.  Verification is completed online via the ‘Verification Gateway’ Portal on behalf of Arkansas Baptist College.  Students will receive notification from Inceptia introducing them to Verification Gateway to create an account to complete the verification process via the link in the email.  If you are not selected for verification, you will not receive notification.   When all documentation is received, you e-sign your file and submit it for review.  If errors are found, Inceptia will correct the FAFSA and submit it back to the federal processor to update(correct) your FAFSA.  If no corrections are needed, your file will be marked, ‘verified’.  The school will proceed to complete your financial aid award.

Step 4. Apply for State Aid and Research Scholarships

State Aid Opportunities – Arkansas resident students can research and apply for state financial aid opportunities per the Arkansas Department of Higher Education (ADHE) at  Out-of-State students are encouraged to check with their state for state aid opportunities that could be used at out of state colleges.

Scholarship Opportunities – Research scholarships via the U.S. Department of Labor at There are numerous sites available to students research scholarships from foundations or donors independent of the college. We encourage students to seek scholarships to assist with paying their educational costs.

Additional Scholarship Opportunities:
Single Parent –


Step 5. Accepting your Financial Aid Award

Once you receive your financial aid award letter, Please contact the Financial Aid Office to ‘accept’, ‘decline’, or ‘reduce’ your federal student loan (Direct Subsidized or Unsubsidized Loans).

Step 6. Applying for Federal Direct Stafford Loans, if necessary

(Additional information about federal loans on the Types of Financial Aid page.)

Federal Direct Loans (Subsidized and Unsubsidized) may be included as part of your financial aid award package.

If you are interested in getting student loans to assist with your educational expenses, you must accept and apply for them at

As a borrower of federal student loans, you must complete Entrance counseling and sign a Master Promissory Note (MPN) via the U.S. Department of Education’s (ED) at You will complete Entrance Counseling and sign the MPN once and will not have to complete this process again unless you leave Arkansas Baptist College.

Alternative Loans If you decide to apply for a private student loan, you will need to select a lender. Arkansas Baptist College has partnered with ELM Resources and a number of private lenders to help you understand what questions you should ask your lender before borrowing. For more information, please review our ‘Apply for an Alternative Loan’ web page at

Step 7: Monitor your financial aid status at myABC Portal

Where to submit necessary documents?

Documents not submitted through the online method can be mailed /mailed to:

1600 Dr. Martin Luther King Jr. Drive
Little Rock, Arkansas 72202
Phone: (501) 420-1226       

Satisfactory Academic Progress (SAP)


The Higher Education Act of 1965 as amended and final regulations set by the United States Department of Education (34CFR668.16) require that institutions of higher education establish reasonable standards of Satisfactory Academic Progress (SAP) as a condition of continuing eligibility for federal aid programs. Financial aid recipients are expected to make reasonable progress as a condition of receiving and continuing to receive student financial aid. Student progress is assessed according to both qualitative and quantitative measures.


The qualitative measure is the Grade Point Average or GPA. This measurement of Academic Progress is applied to all ABC students.


 The quantitative measure, referred to as the student’s “Pace” (number of credit hours successfully completed and the maximum timeframe) is used to monitor progress toward degree completion.


When these measures are applied, federal regulations require that the student’s entire academic history is considered. This includes semesters or terms during which the student did not receive student financial aid.


The College has developed this policy to provide a framework for monitoring and determining a student’s Satisfactory Academic Progress in accordance with Federal and Institutional requirements. This policy applies to all new, transfer, re-entry, re-admit with transfer work, and continuing students at ABC.


Quantitative Standards

Students are expected to complete the requirements for a degree within a reasonable timeframe. Students pursuing a degree are allowed to attempt up to 150% of the published length of their academic program.

     For example, undergraduate students must complete the requirements within 92 attempted hours for an Associates Degree in Interdisciplinary Studies 65 hours needed to complete an Associates Degree X 150%=97.5 hours and 192 attempted hours for a Bachelors Degree. This includes both Arkansas Baptist College attempted hours and hours transferred from other institutions that apply toward the student’s degree, in accordance with the institution’s transfer policy.


Students must make incremental progress toward their degree based on the number of hours attempted; therefore, a minimum percentage of ABC hours attempted (67%) must be completed at each interval. Students must also complete the degree requirements (based on their degree attempt or second degree attempt at the same level) and the associated maximum timeframe limit outlined in the SAP policy.  To meet this standard, students must complete 67% of hours attempted each semester/term.  See the Satisfactory Academic Progress Chart below for details.


Qualitative Standards

Title IV recipients use a scale that culminates in the graduation requirement to maintain satisfactory academic progress. The following scale is used to determine if Qualitative Standards are being maintained for continued Financial Aid eligibility.  Students must maintain at least at 2.0 in their major classes of instruction to graduate.



Satisfactory Academic Progress Chart


Associates and Bachelors Degree:

Total Hours Attempted








90 or more



Minimum Cumulative GPA Required











Minimum Cumulative Pace Required












Financial Aid Warning

Students who fail to meet one or more of the quantitative or qualitative standards at the evaluation period and are subsequently approved through the Appeals process may continue to receive financial aid on warning status. At the end of one payment period on “Warning,” the student must meet the minimum SAP standards on their own in order to continue to receive financial aid or meet the requirements of his/her Academic Plan (if applicable) to qualify for further funds. While a student is on “Warning,” the student may be required to fulfill specific terms and conditions under the “Academic Plan” developed through the Center for Student Success and enforced through the Center for Teaching and Learning (CTLE), such as taking a reduced course load, enrolling in specific courses, or meeting a specified GPA and earned/attempted hour ratio at the end of each term. If a student placed on an Academic Plan fails to meet the plan’s requirements at the end of each term on Warning, the student will lose his/her eligibility for financial aid and will be required to submit a Financial Aid Appeal for reinstatement consideration for the next enrolled semester/term.



Grades of A, B, C, D, W or WP are considered satisfactory. All other grades such as F, WF, XF, or I are considered unsatisfactory.


Appeal Procedure

Students who have been denied financial aid based upon the provisions outlined in the SAP policy have the right to submit an appeal to explain and document their mitigating circumstances. All appeals must be accompanied by supporting documentation. An appeal will be denied if sufficient documentation is not submitted with the appeal. The student’s appeal must explain why they failed to make satisfactory progress and what has changed in their situation that will allow them to meet the requirements at the next evaluation. Students may not submit an appeal after the published deadline dates have passed for the semester. Appeals are approved for current or subsequent semesters only; appeals cannot be for prior semesters. Students are limited to a maximum of four (3) financial aid appeals per degree attempt. The Committee members are anonymous. Questions regarding the appeals process should be directed to the Appeal Committee via email at Generally, the committee will notify students of their decision by email within 14 business days of the date their appeal is documented and received by the committee.


Mitigating Circumstances

Mitigating circumstances are unforeseen, special or unusual/traumatic conditions which caused undue hardship. These circumstances may include serious illness or injury relating to the student, death or serious illness of an immediate family member, significant traumatic occurrence that impaired emotional and/or physical health, exceeding maximum attempted hours or other documented circumstances.



Reinstatement of Financial Aid will be based on the strength of the appeal statement, documentation received, and the academic record. Filing an appeal does not guarantee Financial Aid or Academic reinstatement. Please Note:  All decisions of the Satisfactory Academic Progress Committee are final and cannot be overruled.




Appeal Instructions:

Read the Standards for Satisfactory Academic Progress (Page 1 & 2)

Complete all Items (Incomplete Forms will not be processed)

Explain your mitigating circumstances that caused you to fail standards and attach supporting documentation. Be specific.  You must type and sign on separate sheet of paper.

Include in your type written explanation, the steps you have taken to correct the problem that prevented you from making Satisfactory Academic Progress.

Personally meet with your Academic Advisor to discuss your academic plans and complete Page 4.

Submit your form and documentation, into The Office of Financial Aid & Scholarships, email at or by mail:



Arkansas Baptist College

Office of Student Financial Aid & Scholarships

1600 Dr. Martin Luther King Jr. Drive

Little Rock, AR 72202

Office of Student
Financial Aid

Office Hours:
(Mon-Fri) 8:30A.M. – 5:00P.M.
Phone: 501-420-1226
Office Email Address:

Contact Us
Financial Aid Staff:

Patricia Proctor
Default Prevention Coordinator/Federal Work-Study Coordinator/FA Counselor

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