Grace Staff and Faculty Are Here to Serve

Our wonderful team assembled within our Student Affairs department is built so that students are empowered to find their voice and purpose within our Bible-centered community. We desire to see our students thrive in whatever endeavors they may have within the classroom, in a residence hall, around a dining table, in the gym, or at a small group Bible study. In fact, every policy and procedure that we serve students with is created for the benefit of the student so that every student is empowered to grow and thrive.

One of our core values, transformational relationships, drives our staff every day to ensure that our service is offered in a way where iron sharpens iron (Proverbs 27:17). Our whole focus is to be in an intimate community with one another so that we all are able to grow with one another. We often talk about our “Grace Family” because we truly believe that we are an extension of your family! Our size offers us many opportunities for connection that we take full advantage of daily.

Need Extra Support? We’ve got you covered. 

Through our Campus Counseling Center, our students can get the one-on-one mental and emotional support that is sometimes needed to break through a barrier or jump over a hurdle in order to thrive in community and the classroom. Similarly, our campus pastor works diligently to create a spiritual emphasis woven throughout campus that assists students in developing their relationship with Jesus Christ through chapel events, extracurricular activities, and opportunities for service. Our campus pastor is always open to grabbing coffee or playing chess as students work through the big questions of life as well as the promise of eternal life!

All of our campus housing and dining services have been curated in a way to build and develop lifelong friendships through community. The Bible tells us that being in community is a fantastic way of building encouragement when times are tough and in times of celebration. Accountability is important as we are faced with the decisions of life. No one should do life alone (Hebrews 10:24-25)! Through our various resident hall living spaces (classic dormitories, apartments, single-family homes, and townhomes), students attend small group Bible studies and other extracurricular events to stay connected and on their growth trajectory up and forward.

As students are attending classes, studying, cheering on their Grace Tigers at home intercollegiate athletic events, attending events hosted by the Student Government, or finding a local church to be involved with, students will feel like the year will fly by as they immerse themselves into their field of study within our gospel-centered community.

Academic Support around every Corner at Grace 

When a student’s academic career takes off, they may find that they could use a little assistance within an area of study. Grace offers many opportunities for assistance through academic mentors (staff who meet one-on-one with students), peer academic coaches (upper-class students who serve students academically), and a myriad of other opportunities, all sponsored by the Grace Academic Center for Excellence. Students can get assistance with revising an essay they have created before turning it in, be part of a study group, or receive one-on-one assistance for a longer period of time.

Students are challenged to be in service to others within their classes as well as many offerings outside of the classroom. Students have the opportunity to serve our Wyoming community and greater West Michigan community through academic adventures and Christian ministry credits that each student accumulates over their time at Grace.

As a past Grace employee once stated, “We often overestimate how much a freshman should grow; we often also underestimate how much a student will grow in their four years at Grace.” Time will fly by for our students while they are at Grace, as it will for the families of our students. Embrace the growth and find joy in the hard work, deadlines, and learning outcomes offered, as our alumni are a testament that Grace graduates are courageous ambassadors for Christ who make an eternal impact wherever they go.

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At Grace Christian University, we’ve met a lot of families in the middle of big decisions. We know how personal this process feels. Choosing a college means thinking about more than just classes or campus size. It’s about where God is leading your student and finding a place that feels like home to them, in a community where they can grow. A college visit is one of the best ways to see if Grace is that place. Here’s what to expect when you visit and how to make the most of your time on campus.

What Happens on a Campus Visit?

From the moment you step onto Grace Christian University’s campus, there’s an immediate sense of intentional community. Students hold the door open. Staff smile and greet you. It’s more than hospitality. Our community is grounded in biblical values and a shared commitment to growing in Christ.

Your visit will likely begin at our Student Commons, where a member of the Admissions team will meet you and walk through your itinerary for the day. From there, your campus tour will begin.

Families can expect to see the academic buildings, the chapel, residence halls, athletic spaces, commons, and other campus spots that shape everyday life. Throughout the visit, you’ll hear how spiritual formation, academic support, and real-world preparation are all built into the student experience here.

For many families, visiting campus brings everything into focus. Hearing about chapel is helpful, but watching students gather to worship makes it real. Reading about academic programs is useful, but sitting in on a class or chatting with a professor adds a whole new layer of understanding.

What Should You Bring?

It’s smart to come prepared, especially if this is one of your first college visits. Bring a notebook or use your phone to jot down things that stand out or questions you still have when the visit ends. Students might want to bring a list of potential majors, career interests, or extracurriculars they’re curious about. Parents often come with financial aid questions or housing concerns; write those down too.

You’ll be doing some walking, so wear comfortable shoes and dress for the weather. Michigan can be unpredictable. A water bottle, a Bible or journal, and any official documents (like transcripts if you want to talk about dual enrollment or transfer credits) can be helpful.

Above all, bring an open mind and a prayerful heart. College visits are more than gathering data; they’re about discerning God’s direction.

What Should You Expect to Learn?

A campus visit is about more than checking out buildings and brochures. At Grace, we invite families into the heart of who we are: a caring community grounded in biblical truth, committed to graduating courageous ambassadors for Christ.

During your visit, you’ll see how that mission plays out in real life.

You’ll hear about how Grace students serve locally and globally. How they get involved in ministry, even as underclassmen. How they’re trained to lead in churches, businesses, classrooms, and communities with humility, purpose, and conviction.

You’ll also see what college life really looks like. The dining hall, the athletic center, and the small moments between classes. These are the things that shape a student’s daily rhythm, and they matter just as much as academics.

How Long Does a Visit Take?

Most visits to Grace Christian University last between 1.5 and 3 hours. If you’re just coming for a tour and a counselor meeting, plan for a morning or afternoon. If you’d like your student to sit in on a class, attend chapel, or meet with additional departments, we recommend blocking out 3–4 hours.

We know many families travel from outside West Michigan, so we do our best to accommodate your schedule and make your time meaningful. If you’d like help planning nearby meals or want to explore Grand Rapids after your visit, just ask! We love our city and are happy to share local favorites.

What Questions Should You Be Asking?

College visits are a two-way street. Yes, we want to show you what makes Grace special, but we also want to help you ask the right questions. Here are some good ones to consider:

For Students:

• What kind of community will help me grow in my faith?
• Do I feel comfortable here? Do I see myself belonging?
• What majors match up with my calling or interests?
• What are students doing after they graduate from Grace?

For Parents:

• How does Grace support students spiritually, academically, and emotionally?
• What’s the true cost of attending, and how can we maximize financial aid?
• What happens if my student changes their major or needs academic help?
• What safety measures and campus policies are in place for student well-being?

Ask what’s on your heart. We’re not afraid of hard questions. Our staff and students are here to give honest answers rooted in our mission and values.

What Will the Campus Atmosphere Feel Like?

Families often tell us they “felt something different” at Grace.

You’ll see it in the way students greet you with smiles and offer to help you find your way. You can feel it in the chapel as the music plays and scripture is opened. You’ll sense it when professors talk about their students.

Our campus may be small, but it’s full of life. We’re intentional about building a community where students are known by name and feel like they belong. If you value relationships, discipleship, and a learning environment where faith is never an afterthought, you’ll notice that right away.

What if You’re Still Unsure After the Visit?

That’s okay. A visit is just one part of the journey. Maybe you and your student leave Grace feeling completely certain this is the place. Or maybe you walk away with new questions to pray about. Either way, the visit served its purpose: it brought clarity.

Keep the conversation going on the drive home. Ask your student what they noticed, what stood out, and what they’re feeling. Share your thoughts too. Sometimes, simply reflecting on the visit together can reveal more than the visit itself.

Our admissions counselors are always available for follow-up conversations. We’ll even hop on a video call or meet for coffee if you’re local. We’re here to support your family, not pressure you.

How Do You Schedule a Visit?

It’s simple! You can head to gracechristian.edu/visit and choose a date that works for your family. You’ll fill out a short form with some basic information, and our team will reach out to help coordinate your personalized itinerary.

Prefer to talk it through with someone? Call our admissions office at (616) 538-2330, and we’ll walk you through the process.

We also offer Grace All Access days, larger events where multiple families visit at once. These include chapel worship, class previews, faculty meet-and-greets, and lunch in the dining commons. It’s a great option if your student wants to get a feel for the energy of Grace as a whole.

Final Thoughts for Parents and Students

This is a season full of decisions, emotions, and prayer. As a parent, you’re probably balancing excitement with a little worry. You want your student to find a place where they’ll be safe, challenged, and grounded in their faith.

As a student, you might be juggling excitement with nervousness. You want a place that will set you up for your future, make lasting friendships, and discover your calling.

At Grace Christian University, our mission is to walk with you through this journey and equip your student to become a courageous ambassador for Christ, ready to make an eternal impact wherever they go.

We’d love to meet you and walk the campus with you. Pray with you. and to help you imagine what’s possible here.

So go ahead, take the step. Schedule your visit. Or call our admissions office at (616) 538-2330 to talk with one of our team members.
We can’t wait to welcome you to Grace, and we’re here for you every step of the way.

The post What to Expect on a College Visit? appeared first on Grace Christian University.

• Is my student safe at their college? 
• Are my students’ basic needs being provided for while they are living on campus or commuting? 
• How do I serve my student best during this experience? 
• What questions should I be asking my student? 

On the other hand, students have many different emotions that can look a little bit like a rollercoaster as a semester moves forward. If a parent or support member of a student has knowledge of the “traditional student experience,” then they can better know how to serve their student! This article will outline the emotional ups and downs of the first-year student and can be used by support systems as a reference point.

Summer Leading Up to the First Year in College

Students will feel a variety of emotions as they prepare for the upcoming fall semester. Likely, they are choosing to leave the confines of their comfort and safety to try something new. This can create some excitement but also anxiety. Students may start to question their self efficacy (Can I succeed or not?) or whether they will find love and belonging (Who will be my people?) in their new environment. Here are a few questions your student may be having as they start thinking about the fall: 

• Will I be able to handle coursework and the load of homework? 
• Who will I get to know? Will I be able to make friends? 
• How will I balance schoolwork and a part-time job? 
• What degree do I want? What degree path is right for me? 

Building encouragement through the power of belief can make a great difference in your student’s life. In challenging moments, students may forget what they’re capable of. The encouragement that comes from hearing parents or others believe in them is essential for self-efficacy in these challenging moments. This can help with general self efficacy as students plunge into a new challenge. Giving reminders of how the student has tackled hard things in the past will give them a running start into the headwinds of change. 

Mid-Fall Semester

Odds are, your student has had a great start to the fall semester and is energized by the excitement that comes with new things. This honeymoon period can assist students as they launch headfirst into the educational community through their classroom experiences, community life, and being part of an educational community. The excitement is palpable on campus; however, the work is just beginning. Soon after the initial excitement comes the reality that university-level classes have an increased difficulty compared to the high school experience. Students may have been given their first grades of the semester or are feeling the weight are feeling the weight of the reality of the load and homework. Students may be asking themselves a different set of questions at this time of the semester including: 

• This is more difficult than I thought – can I succeed here? 
• I really love my friends back home, but I am having so much fun with my new friends at college – how do I balance my social life? 
• I’m feeling homesick. Should I move back home? 

Doing hard things for long periods of time is countercultural. Our students are immersed in a world of immediate gratification. Giving encouraging words and reminding their students of their “why” can go a long way to keeping the motivation high. Sending care packages or an encouraging note reminds the student that they are loved and being cheered for. These tokens of appreciation and support may be just the thing needed for the student to dig deep and continue to work hard. 

End of the Fall Semester

When students head back home for holiday breaks, parents might see changes in their students. At this point, students are starting to be shaped by their experiences on campus, whether that’s a professor who is pouring into the student, intercollegiate athletics, or living in a vibrant community built on Christ. Students may be asking the questions: 

• Who do I want to be? 
• What do I believe? What do I stand for? 
• How do I want to have an impact in this world? 

Listening well during this time in the process of growth and emotional ups and downs can be just what the student needs. Asking probing questions about the student’s experience and what is leading them on this growth path will help students to process their feelings and inclinations for what God has planned for them. 

Spring Semester

As students return from Christmas break energy is high and students might feel like they are back in the Honeymoon phase. Students coming back have the background knowledge of what it will take to be successful and know what is ahead of them. As the first portion of the semester moves along, students have their nose to the grindstone but also begin to think about the future. Some questions your student might be asking could include: 

• I wonder if I could be an RA, part of Student Government or a team captain next year? 
• Should I try to find a part-time job in my field of study or work a “gig job” this spring/summer? 
• Where should I live? (It can be exciting to continue on the path of independence for some, and others are ready to come home for the safety and security that comes with being “home.”) 

This is usually an exciting time for everyone. Students are getting their feet underneath themselves and starting to handle the hurdles that come with responsibility and independence. However, some parents may see their students struggling in classes or making questionable choices.  This is the time where support structures need to show up for their students. Some students will need time to process their growth. Parents and friends can be excellent listeners who cheer on their students and continue to build them up with encouragement. Others may find themselves having to provide the accountability a student might need to start making some hard decisions about their future. 

Here at Grace Christian University

In the end, we are the sum of our choices. College experiences should provide a challenge, but with meaningful support can use these opportunities for growth. When students come to Grace Christian University at “Point A,” our goal is to walk with them until they get to “Point B.” Everyone’s Point A and Point B look different, but we encourage upward growth and try to assist with increasing the trajectory of our students so that they finish their Grace experience as Graduates who are Courageous Ambassadors for Christ, who make an Eternal Impact wherever they go.  

The post The Emotions of a First Year College Student  appeared first on Grace Christian University.

Recognition for Campus Safety

On those tours, I am excited to share that for the last 6 years, Grace Christian University has been ranked first or second within the State of Michigan with the “Safest Campus” award. It is through the diligence of our student safety team, our crisis management team, and our motto of “continual, gradual improvement daily” that pushes us forward in fostering a safe learning community where students, staff, and faculty can focus on building transformational relationships with one another.

Balancing Hospitality and Safety

Throughout the years, we continue to find the balance between desiring to be hospitable to our greater Wyoming community and fortifying our campus and buildings to ensure safety for all. Because of our intimate size and community relationships, it is easy to see when something may need to be taken care of from a safety standpoint. When asked about campus safety at Grace, Student Body President Jace Systema stated:

“I appreciate that we have such a tight-knit community. Staff and students can see and report when something is out of place.”

Jace’s comments speak to our “see something, say something” policy.

Enhanced Security Measures

While Grace’s residence halls have been following the 24/7 exterior door locks for many years, the rest of our buildings have recently made the move to lock all exterior doors 24 hours per day, 7 days per week as well. Our entire Grace Family carries our scan cards/IDs when we traverse around campus. This change has been appreciated by all members of our community as we look to create stronger barriers between our educational community and the surrounding neighborhood.

Another change to help ensure safety on campus is that our faculty are now locking the classroom doors when classes are in session. This move was almost unanimously voted for approval by the faculty as we began the FA24 semester. Our students and staff have quickly grown accustomed to the safety changes to the classroom model of safety and have been appreciated by all.

Chapel Safety Improvements

Furthermore, safety changes were made to our chapel experiences as well. Each week, Grace hosts chapel experiences on our campus for our Grace Family in Baker Chapel as well as other chapel experiences around campus. Chapel exterior doors are locked during chapel time, with safety team members opening and closing doors for those who must come and go. This change has helped our constituents to focus solely on this “set aside time” to grow closer together as a community of believers who are chasing after Christ.

Safety as a Foundation for Mission

Campus safety helps to serve our Grace community by eliminating barriers and obstacles that may get in the way of Grace continuing to graduate courageous ambassadors for Christ who make an eternal impact wherever they go.

Personalized Support from Campus Safety

Every department leans in to the personalized focus Grace gives to each student and the needs they have. One way that the campus safety team helps to provide that personal experience is by being a phone call away from driving a student from one side of campus to the other on our safety golf cart when someone is in need or is concerned to walk alone in the evening.

Educating Students on Safety Practices

Every year, our campus safety team will be in communication with our student body about the best ways to stay safe within and around our campus. Because our campus is tucked into a quiet neighborhood, we do have some foot traffic by outside visitors who live in close proximity to us. We desire to teach our students how to be good neighbors while staying safe.

Tips for Staying Safe on Campus

There are many articles that can be found regarding safety on any campus that apply to us, like this one written in 2023 by the U.S. News & World Report. Direct instructions to remove opportunities from people desiring to do harm to us or our property include but are not limited to:

• Keeping valuables on one’s person or in a residential hall
• Lock vehicle doors and park in well-lit areas such as our campus parking lots
• Do not prop campus doors
• Walk with a friend after the sun sets
• Be aware of campus services
• Report any suspicious activity

Collaboration with Local Law Enforcement

While students may call the campus safety service number at any time, we are also thankful for the Wyoming Police Department, their close proximity to campus (90 seconds), and their desire to help us to keep our campus safe. Many of our criminal justice degree seekers find that being a cadet with the Wyoming Police Department during their undergrad often blossoms into a full-time career offer upon graduation.

Commitment to Safety for All Students

Whether our students are commuters or residential undergraduate students, we desire to take care of our students’ basic need of safety and are proud of the steps of safety taken and the hours of diligent work completed daily to ensure safety across our beautiful campus.

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Before They Leave: Invest in Your Relationship

As your child gets ready to head off to college, it can feel like there’s never enough time. But this season is also a chance to invest in your relationship and build a deeper bond before they take this big step. While it’s not always easy to connect with a teenager, even small efforts can create lasting memories and a stronger connection that will carry you through the changes ahead. 

Create Moments That Matter 

Sometimes the simplest moments turn out to be the most meaningful. Sitting across from each other at the dinner table or driving them to soccer practice can be opportunities to connect if you’re intentional. One mom shared how the weekly drive to her daughter’s piano lessons turned into their special time, just the two of them, talking, laughing, and sometimes just sitting in companionable silence.

These little moments don’t have to be planned or perfect; they just need to be real. Turn off distractions, be fully present, and let the time together unfold naturally. 

Start Real Conversations

Getting your teen to open up can feel like pulling teeth, but the right questions can make all the difference. Instead of asking things like, “Are you ready for college?” (cue the classic “I guess” response), try asking:

• “What are you most excited about when you think about college?”
• “What’s something that feels a little scary about the move?”

These kinds of questions show you’re interested in how they feel, not just the logistics. And remember: you don’t always need to have an answer or a solution. Sometimes, just saying “I hear you” or “That sounds tough” can mean the world to them. 

Pray With and For Them

Praying together can be a meaningful way to stay connected. Let them know you’re praying for their big decisions, like choosing a college, picking a major or making friends, but also for the small, everyday things they’re facing. By making it a habit to pray for them while they are still at home, you create a consistent way to show care and support, encouraging openness and a comfortable space for them to share any struggles that arise during their first year at college.

Cherish This Time

It’s easy to get caught up in the busyness of preparing for college, but don’t forget to enjoy these moments. Laugh at their silly jokes, tell them stories about when they were little, and remind them how proud you are of who they’re becoming.

The bond you build now will be the foundation that supports you both as you navigate this new chapter. Even as they step out into the world, they’ll carry the strength of your relationship with them, knowing they’ve got someone in their corner, cheering them on every step of the way.

After They Leave: Embrace the New Normal

When your child heads to college, the dynamic of your relationship naturally shifts. While this can feel bittersweet, it also presents opportunities to connect in new ways. By embracing these changes with flexibility and intentionality, you can maintain a strong bond.

Respect Their Need for Space

Independence is an essential part of college life. Allowing your student to set the tone for communication shows you respect their growth. Instead of texting or calling every day, consider scheduling regular check-ins, such as a weekly phone call or video chat.

If they don’t respond immediately, resist the urge to interpret it negatively. Instead of saying, “Why don’t you ever call me back?” try, “I’d love to catch up soon. When’s a good time for you?” This approach fosters openness and encourages communication without added pressure.

Send Thoughtful Care Packages

A care package is a simple yet meaningful way to show love from afar. Include handwritten notes, their favorite snacks, practical items like toiletries, or small gifts that remind them of home. One parent shared how sending a card to her daughter made a lasting impact, iit became a cherished item displayed prominently in her dorm room.

These thoughtful gestures provide a tangible reminder of your support and help your child feel connected to home, even from miles away.

Show Interest in Their New World

College introduces your child to new friends, experiences, and challenges. Showing genuine interest in their social and academic life strengthens your connection. When visiting campus, consider inviting their roommates to join you for a meal or bringing baked goods to share. During phone calls, ask about their friends and activities, showing that you value the people who are now part of their world.

Create Invitations, Not Obligations

Maintaining closeness during the college years isn’t just about staying in touch, it’s about evolving your relationship into one of mutual respect and partnership. This shift requires intentionality but offers the chance to deepen your connection in meaningful ways.

Rather than insisting they come home for every holiday or family gathering, extend invitations that respect their autonomy. For example, say, “We’d love to have you home for Thanksgiving if it works for your schedule.” This approach communicates that they’re valued without making them feel obligated.

Make Home a Welcoming Haven

When your student visits, ensure home feels like a place of rest and renewal. Avoid overwhelming them with questions about their future plans or academic performance. Instead, focus on creating a warm and relaxed environment. Simple acts, like asking about their favorite meals or snacks, show that you care and respect their independence.

Take an active interest in their growth and achievements. Attend their events, ask about their favorite classes, and celebrate milestones, even small ones. Supporting their academic and personal pursuits reinforces your role as their cheerleader and shows you support them as they continue to pursue their calling. 

Keys to Meaningful Conversations

The quality of your conversations often matters more than their frequency. Keep these tips in mind to make your interactions count:

• Ask About Their Well-Being: Focus on their feelings and experiences, rather than just grades or accomplishments.
• Be Curious: Let them lead the conversation, sharing what’s important to them.
• Offer Encouragement: Celebrate their victories and reassure them during challenges.

Building Bridges for the Future

The college years may feel like a time of separation, but they can also be a period of growth, for both your child and your relationship. By respecting their independence, staying curious about their life, and finding intentional ways to connect, you’ll create a bond that lasts long after graduation.

At Grace Christian University, we understand how vital these connections are. Our caring community fosters an environment where students can grow academically, spiritually, and personally, all while maintaining strong ties with their families. Grace encourages students to share their journey with loved ones, from their spiritual growth to their academic achievements, helping to bridge the gap that distance can create.

As one parent reflected, the most meaningful moments often happen naturally. During a visit home, her daughter opened up about classes, friendships, and future plans. The parent listened quietly, asking occasional questions but mostly savoring the moment. Later, the daughter texted, “It was so good to be home. I love you!”

Moments like these remind us that connection isn’t about the quantity of time but the quality of interaction. By creating an environment where your child feels loved, respected, and supported, you’ll maintain a meaningful bond no matter where life takes them.

You can confidently navigate the college years, building a relationship that grows stronger with time. Staying connected is not about control but about cultivating a safe space where your child feels valued, both at home and across the miles.

The post Staying Connected with Your College Student  appeared first on Grace Christian University.

If you’re considering federal loans, it’s essential to know the types available. Two primary options are subsidized and unsubsidized loans, often called federal direct loans. Here’s an in-depth look at each, so you can make an informed choice that suits your financial needs.

What Are Subsidized Loans?

Subsidized loans are part of the Federal Direct Loan Program and are specifically for undergraduates with demonstrated financial need. To qualify, you must complete the Free Application for Federal Student Aid (FAFSA), which assesses your financial situation. One of the key advantages of subsidized loans is that the federal government covers the interest while you’re in school at least half-time, during deferment, and for the first six months after you graduate. This “grace period” can save you hundreds, or even thousands, in interest over the life of the loan.

For example, a first-year undergraduate student classified as dependent can borrow up to $3,500 in subsidized loans. As you advance through school, borrowing limits increase. Second-year students may qualify for up to $4,500, while third- and fourth-year students are eligible for up to $5,500 annually. The total limit for subsidized loans throughout your education is capped at $23,000, which helps keep overall borrowing manageable.

Key Points on Subsidized Loans

• Eligibility: Demonstrated financial need through FAFSA.
• Borrowing Limits: Yearly limits increase with academic progression, first-year students can borrow up to $3,500; second-year, $4,500; third- and fourth-year, $5,500.
• Aggregate Limit: $23,000 total for undergraduates.
• Michigan-Specific Aid: Michigan residents may qualify for state grants or scholarships, reducing the need for loans.

What Are Unsubsidized Loans?

Unsubsidized loans, also part of the Federal Direct Loan Program, are available to both undergraduate and graduate students and do not require demonstrated financial need. Unlike subsidized loans, interest starts accruing on unsubsidized loans from the moment funds are disbursed. This means that interest builds up while you’re in school, during deferment, and through the grace period. Students are not required to pay on the interest while they are in school, but have the option to start paying down the interest if they want. If they don’t, then the interest is added to the balance owed on the loan.

Unsubsidized loan limits 

.Here’s how the loan limits for unsubsidized loans work:

• For dependent first-year students: The total loan limit is $5,500, which includes both subsidized and unsubsidized loans.
  • If you receive $3,500 in subsidized loans, you can borrow up to $2,000 in unsubsidized loans.
  • If you don’t receive any subsidized loans, you can borrow the full $5,500 as unsubsidized.
• For independent first-year students: The total loan limit is $9,500, including both types.
  • If you receive $3,500 in subsidized loans, you can borrow up to $6,000 in unsubsidized loans.
  • If you don’t receive any subsidized loans, you can borrow the full $9,500 as unsubsidized.

These limits may increase as you progress through school.

Key Points on Unsubsidized Loans

• Eligibility: No financial need required.
• Borrowing Limits: Based on attendance costs and other aid, first-year students up to $5,500 for dependents, with higher limits for independent students.
• Aggregate Limit: Dependent students can borrow up to $31,000; independent students, $57,500.
• Graduate Student Limits: Graduate students can only qualify for unsubsidized loans in an amount up to $20,500 annually, with a lifetime limit of $138,500. 

Here’s a quick overview of these limits to help you understand what’s possible at each stage:

• Dependent Students: First-year limit of $5,500 for unsubsidized loans, increasing each year.
• Independent Students: Higher limits, starting with $9,500 for first-year students.

Loan Limits Overview

Here’s a summary of annual and total loan limits to help you plan your finances:

These limits give you a clear picture of how much funding is available each year and can help you plan your borrowing accordingly.

Qualifying for Federal Loans

Your journey to federal loans begins with submitting the FAFSA, which gathers data on your financial status. Grace Christian University’s financial aid office then reviews this data to create a customized aid package that includes loans, and grants.

• Subsidized Loans: Available only to undergraduates who demonstrate financial need.
• Unsubsidized Loans: Available to both undergraduates and graduate students, regardless of need.

Applying for Federal Loans: A Step-by-Step Guide

Applying for these loans is straightforward:

1. 1. Complete the FAFSA: Start by completing the FAFSA, the gateway to all federal aid.
   2. Review Your Financial Aid Package: Grace Christian University’s financial aid team will assess eligibility and present available options.
   3. Accept the Loan Amount You Need: Only borrow what you need, you’re not obligated to accept the full offer.
   4. Sign the Master Promissory Note (MPN): This legally binding document outlines your repayment obligations.

• Complete your Loan Entrance Counseling: Before receiving your first federal loan, complete Loan Entrance Counseling through the Department of Education to understand your repayment responsibilities.

Loan Repayment Options After Graduation

After graduation or if you drop below half-time enrollment, you have a six-month grace period before payments begin. Department of Education offers loan counseling to support your repayment planning: 

• Standard Repayment: Fixed monthly payments over ten years, minimizing interest costs overall.
• Income-Driven Repayment Plans: Monthly payments are adjusted based on discretionary income.
• Public Service Loan Forgiveness (PSLF): If you work in public service, you may qualify for loan forgiveness after ten years of qualifying payments.

Strategies to Minimize Student Debt

Reducing debt while in school can ease the repayment burden later. Consider these tips:

• Pay Interest on Unsubsidized Loans While in School: Reducing interest while in school can prevent your balance from growing.
• Focus on Grants and Scholarships First: Grants and scholarships don’t require repayment, decreasing loan dependency.
• Explore Work-Study Programs: Eligible students can earn funds to offset educational expenses.

Michigan residents may also qualify for additional state scholarships or grants. Check with Grace’s financial aid office for assistance in exploring these options.

Grace Christian University’s Commitment to Affordable Education

Grace Christian University is dedicated to making education affordable by emphasizing transparency in tuition and available financial aid. We work closely with students to maximize support and reduce loan dependency wherever possible, paving the way for successful, debt-conscious careers.

Our financial aid office is here to help guide students through borrowing, interest rates, and repayment options. By understanding the costs and benefits of loans now, you can ease future financial strain. Given Michigan’s average student loan debt of $30,000, Grace is committed to minimizing student debt, with an affordable pathway to education that encourages minimal borrowing.

With the right financial plan, you can graduate without being burdened by debt. Let Grace Christian University’s resources guide you toward this goal, empowering you to graduate with confidence.

Conclusion

In conclusion, both subsidized and unsubsidized loans offer essential support, especially for Grace students. Knowing the differences between them can help you make smarter financial decisions. Grace Christian University combines federal aid resources with a commitment to affordability, helping students achieve their academic goals with confidence. For personalized support, reach out to Grace’s financial aid office for guidance on FAFSA, loan choices, and repayment plans tailored to your needs.

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Why Grace?

When asked why he chose Grace Christian University out of all the colleges he could have joined, Dr. Shaw’s answer is simple but heartfelt. He says, “I love the people, the atmosphere, the values, and being able to serve through teaching students.” Grace Christian University’s commitment to fostering transformational relationships is something that resonates deeply with him. He believes that small class sizes allow him to connect with students on a personal level, creating an environment where meaningful interactions take place. 

Dr. Shaw’s Academic Journey

It’s rare to meet someone with not just one but three doctorates. Dr. Shaw holds a Doctor of Ministry in conflict management, a PhD in Health Psychology and Behavioral Medicine, and a Doctorate in Educational Leadership. His academic background is a reflection of his desire to serve in diverse capacities. Whether it’s designing curriculum, chairing the psychology program, or ensuring accreditation standards are met, Dr. Shaw’s expertise supports his various roles at Grace.

Martial Arts and Law Enforcement: A Unique Addition

Beyond the classroom, Dr. Shaw brings a unique skill set to the Grace community—he’s a black belt in multiple martial arts. When transitioning to a full-time professor in 2010, one of his conditions was to start a martial arts program at the university. He now holds a first-degree black belt in Shinsei Arnis Jitsu (a Filipino stick and knife fighting style) and a fourth-degree black belt in Taekwondo. He even teaches Taekwondo at Grace while preparing for his fifth-degree black belt.

Dr. Shaw’s background also includes working as a police officer and a county sheriff’s deputy. Certified in defensive tactics and PPCT (Pressure Point Control Tactics), he has taught law enforcement practices in his classes. He’s even involved in teaching women’s self-defense through the SHARP (Sexual Harassment and Rape Prevention) curriculum, integrating evidence-based practices into his instruction.

Encourage Critical Thinking and Creativity

When it comes to teaching, Dr. Shaw emphasizes critical thinking and creativity. He encourages students to question everything. “Just because I say something doesn’t mean it’s right,” he states. Creating a classroom environment where students are invited to ask questions and challenge ideas is important. Dr. Shaw believes that humility is at the core of learning and that it’s important to create space for differing perspectives.

From real-world scenarios to role plays, Dr. Shaw uses creative teaching methods to help students think on their feet. Whether it’s a counseling scenario or a criminal investigation, he challenges students to ask, “What do you do?”—leading them to find solutions themselves. This approach not only prepares them for the real world but also encourages a collaborative learning experience.

Merging Biblical Learning with Mental Health and Law Enforcement

One of Dr. Shaw’s standout qualities is his ability to create a safe space for both mental health and biblical learning. As someone who values psychological safety and belonging, he understands that students need to feel safe to express diverse opinions and learn without fear. He says, “Nobody really cares what we know until they know how much we care.” Caring about people first allows him to create a space for learning where students feel heard and valued. 

Dr. Shaw ensures that students understand how to approach topics like psychology, criminal justice, and law enforcement from a biblical perspective. By bringing real-world professionals, such as Navy SEAL Commander Mark Devine and resilience experts like Lieutenant Colonel Dave Grossman, into the classroom, he blends theory with practice. Students are not just reading about the topics—they’re applying what they’ve learned in real-world contexts. 

Walking the Journey Together

One of the most profound aspects of Dr. Shaw’s teaching philosophy is that he walks alongside his students to continually learn and grow. He admits that he doesn’t have all the answers, but he’s committed to learning and growing together with his students. “We’re all in a learning process together,” Dr. Shaw explains. “Let’s keep striving to refine our knowledge and gain greater clarity.” Whether it’s psychology, criminal justice, or leadership, he continues to expand his knowledge, refining and developing new skills. This collaborative journey ensures that students feel empowered to take ownership of their learning.

Building Relationships First

At the heart of Dr. Shaw’s teaching approach is his dedication to building relationships. He believes that before you can effectively teach someone, you must first care about them as a person. This is something that has shaped his teaching and mentoring style throughout his career at Grace Christian University. By demonstrating that students are more than just students—they are image-bearers of Christ—Dr. Shaw creates a space where they feel valued and supported. He takes the time to get to know students at a personal level and invest in their lives and futures. 

Conclusion

Dr. Scott Shaw’s journey at Grace Christian University is a testament to his passion for education, leadership, and student development. Through his expertise in psychology, business innovation, martial arts, and law enforcement, he brings a unique blend of real-world experience and biblical principles to his teaching. Dr. Shaw continues to inspire and challenge his students to grow as individuals, both academically and spiritually. His commitment to building relationships, fostering critical thinking, and walking alongside students in their educational journey embodies the mission of Grace Christian University: equipping students to become courageous ambassadors for Christ.

Grace Christian University is fortunate to have such a multifaceted leader and professor who not only excels in his academic fields but also genuinely cares about the growth and well-being of his students. Whether through martial arts, psychology, or ministry, Dr. Shaw continues to make a lasting impact on the lives of those he teaches, guiding them to learn, grow, and serve.

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Preserving Doctrinal Integrity

In every subject, from literature to business, our professors integrate a Christian perspective. They aim not merely to transfer information, but to help students evaluate ideas through the lens of Scripture. Grace University  stands firm in its belief that the Bible is the infallible Word of God, and we want graduates to approach their careers and communities with confidence rooted in biblical values.

Unapologetic Christian Worldview

Far from restricting exploration, our Christ-centered approach provides context for wrestling with complex philosophies. Students are encouraged to ask tough questions, analyze competing worldviews, and develop critical thinking skills guided by biblical boundaries.

At Grace, the Bible stands above subjective human reasoning. Scripture shapes our approach to teaching and learning across every discipline. Professors train students to carefully weigh theories and information against God’s revealed truth.

Holistic Discipleship

Beyond academics, Grace strengthens spiritual growth through discipleship groups, chapels, and mentoring. Students are shaped by a close community united by shared purpose – equipped to live out their faith with conviction after graduation.

At Grace we believe truth extends far beyond individual perspective. Our high view of Scripture provides a framework for constructing knowledge grounded in God’s unchanging principles.

Community of Like-minded Believers

Students find themselves surrounded by like-minded peers and mentors who share a commitment to biblical principles as a result,  community becomes a source of encouragement, accountability, and shared values, creating an environment where students can grow both academically and spiritually.

In conclusion, Grace Christian University proudly stands as a testament to the enduring strength found in a commitment to not compromise the Bible. In a world that often demands conformity, this small Christian college remains resolute in its mission to provide an education that is academically strong, intellectually stimulating and, above all, deeply rooted in the timeless truths of the Bible. For students seeking a Biblically grounded Christian education, Grace stands as a beacon, graduating courageous ambassadors for Christ who make an eternal impact wherever they go.

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