Financial Aid Terms

Accrue: To be added as a matter of periodic gain or advantage, as interest on money

Capitalization: The process of adding unpaid interest to the principal loan amount, thereby increasing the balance that future interest accrues on, and the total amount to be repaid. To save money, pay interest before it is capitalized.

Consolidation Loan: A loan that combines all previous federal loans taken out into one loan and has a fixed interest rate.

Dependent Student: A student who is considered dependent for Federal financial aid purposes is not any of the following:

  • Over 24 years of age
  • Married
  • Have a dependent child who receives at least 50% of support from student
  • Have a dependent person who receives at least 50% of support from student
  • A veteran of the armed forces
  • An orphan or ward of the court

Default: Failure to pay your loan according to the terms of your promissory note. If you default your school loan, the holder of your loan, and state and federal governments can all take action to recover the money. Plus, the default will be reported to national credit bureaus, which could jeopardize your ability to get credit in the future.

Disbursement: Loan funds delivered to your school as a check to sign over to you or by electronic funds transfer to deposit in your school account. Disbursements are normally made in equal multiple installments.

Disclosure Statement: Before you receive the loan proceeds, you’ll receive this document listing the principal amount of your loan, fees that have been deducted, the interest rate, and the total amount of your indebtedness (principal plus interest).

Expected Family Contribution: The amount you and your family are expected to pay toward your college expenses based on federal calculations used on the Free Application for Federal Student Aid (FAFSA).

Federal Family Education Loan Program: The FFEL program includes Subsidized and Unsubsidized Federal Stafford Loans, Federal PLUS Loans for parents, and Federal Consolidation Loans. The loans are provided by private lenders, insured by guaranty agencies and backed by the federal government.

Financial Aid: Financial assistance in the form of scholarships, grants, employment opportunities, and education loans.

Financial Need: The difference between the cost of attendance at your school and your expected family contribution. The amount you are eligible to borrow is determined by your financial need less other financial aid for which you qualify.

Fixed Interest: The fee that is charged in exchange for borrowing money does not change (be variable) as the economy changes. Most students seek fixed interest while the interest rates are low.

Forbearance: An authorized period of time during which the holder of your loan allows you to postpone repayment because of financial difficulty.

Grace Period: The period between the time you leave school or drop below half time and the time you’re obligated to begin repayment.

Guarantee Fee: An insurance premium deducted from your loan proceeds prior to disbursement and paid to the guaranty agency that insures your loan.

Guaranty Agency: A state, regional, or national organization that insures Federal Family Education Loans made by lenders.

Holder: The institution with legal title to your loan. It could be your original lender, a secondary market, or in the event of default, a guaranty agency.

Independent Student: A student who is considered independent for Federal financial aid purposes must be one of the following:

  • Over 24 years of age
  • Married
  • Have a dependent child who receives at least 50% of support from student
  • Have a dependent person who receives at least 50% of support from student
  • A veteran of the armed forces
  • An orphan or ward of the court

Interest: A fee charged in exchange for borrowing money. The Federal Stafford Loan variable interest rate is adjusted annually but cannot exceed 8.25 percent.

MPN (The Federal Stafford Loan Master Promissory Note): – legal document listing the terms and conditions under which you repay the loan. As of 7/01/2000, a borrower can sign one MPN, one time, which remains in force and effect for ten (10) years. The student can then make annual requests for loan funds against the original MPN using a loan amount request form.

Need Analysis: A process, based on detailed family financial information used to determine your financial need.

New Borrower: One who has no outstanding (unpaid) loan balances on the date the promissory note is signed.

Notification of Loan Transfer: If your loan is sold and transferred to another servicer, you’ll receive this document providing the name, address and phone number of the new servicer and holder. It will also explain where to send your monthly payments and communications of all types.

Origination Fee: A fee charged by the federal government and deducted from loan proceeds prior to disbursement to partially offset administrative costs of the Federal Family Education Loan Program.

Principal: The amount borrowed. Interest is charged on this amount.

Repayment Schedule: When it’s time to begin repaying your loan, you’ll receive this document detailing your loan balance, estimated total amount of interest owed, amount of each monthly payment, the total number of payments to be made and the date your first payment is due.

Secondary Market: An organization established to purchase education loans from lenders, which enables lenders to make new loans.

Servicer: A company that performs administrative tasks associated with education loans.

Subsidized Stafford Loan: A loan for students on which interest is paid by the federal government while the borrower is in school and during grace and other deferment periods. To qualify, you must prove financial need.

Unsubsidized Stafford Loan: A student loan for which the borrower is responsible for all interest from the date the loan is disbursed.

Variable Interest: The fee that is charged in exchange for borrowing money can change (be variable) as the economy changes.

Joanna Phillips-Mock

Student Enrichment Director

Joanna Phillips-Mock is a proud third generation Baron, both as a student and a staff member.

Beginning her teaching career in Middle Georgia in 1995, Mrs. Mock worked with a state funded program that served some of the most disadvantaged special needs students within the local school districts. She ultimately moved into leadership positions within the organization, serving and training others in multiple initiatives. She enjoys working with students of all ages to recognize and to achieve their greatest potential.

Mrs. Mock holds a Bachelor’s degree from Brewton-Parker College, a Master's degree in Education with a concentration in Behavior Disorders, and an Education Specialist degree in Educational Administration from Georgia College and State University. She resides in Ailey, Georgia, with her husband Don, their son Tye Lewis, her mother Carol Joyce, and multiple fur babies. She enjoys traveling, gardening, camping, and attending concerts.

Candace Lilford

Profeessional Tutor

Candace Lilford graduated with her bachelor’s degree in Theatre Generalism in 2021 from Anderson University and with her master’s degree in English Literature in 2023 from the University of Alabama. She presently serves as Professional Tutor for the Student Enrichment Center while also teaching sections of ENG 101 and 102. 

As part of her two-year master's program, Ms. Lilford taught sections of ENG 101 and 102, while also serving as teaching assistant for British Literature Survey courses and volunteering in the university’s Writing Center. Ms Lilford has also presented papers at the Hudson Strode Conference and the South Eastern Christian and Literature Conference as well as working on various theatrical productions.

Born in North Carolina of South African descent, Ms. Lilford has lived in Uganda, Botswana, South Africa, and Trinidad before settling in Mount Vernon with her family in 2016, where she attended Brewton-Parker College as a dual enrollment student. She presently resides in Mount Vernon with her family and spends her free time watching old TV shows.

Linda Armstrong

Academic Advising and Career Specialist

Linda Armstrong earned an Associate Degree in Criminal Justice Technology from Southeastern Technical College and a Bachelor of Science degree in Psychology from Walden University. Throughout her career, Linda has worked with diverse populations, including at-risk youth and families and youth in crisis because of mental health and other issues. Her empathetic nature has made her an effective advocate for those in need. In addition to her professional work, Linda is also is committed to volunteerism. She has dedicated countless hours as a youth mentor, and to teaching about her faith at various Christian organizations. She believes in the power of positivity and its ability to transform not only her life but also the lives of others.

"If you must look back, do so forgivingly. If you will look forward, do so prayerfully. But the wisest course would be to be present in the present gratefully." ~ Maya Angelou

Willie Ford

Academic Advising and Career Specialist

Greetings, Baron Nation!

It's truly a joy to be back in a place that has shaped me so profoundly. I'm Willie Ford, a proud 2022 graduate of historic Brewton-Parker College, holding a Bachelor of Arts degree in Psychology with a Minor in Education. Following my graduation, I embarked on a journey in education, teaching Special Education within the Vidalia City School District. In addition to my role as an educator, I had the privilege of serving as the Unit Director at the J.D. Rabun Boys and Girls Club. All the while, I was honored to pastor at the esteemed New Hope Baptist Church of Rhine, Georgia. With God's grace, I managed these responsibilities, and now, I'm thrilled and ready to contribute to the welfare of our students, aiming to inspire through service.

Dusty Arnold

Mental Health Counselor

Dusty Arnold  is a Licensed Professional Counselor and a Board Certified Behavior Analyst as well as a BPC alumnus. He has years of experience working with a variety of mental health issues including anxiety, grief, and challenges related to Autism. He specializes in behavior-related interventions that can help college students build on their strengths to set achievable goals while also learning how to deal with the thoughts and feelings that sometimes get in the way. He incorporates Biblical values and evidence-based treatments to meet students wherever they happen to be on their journey to spiritual and psychological health. 

Carl Anthony "Tony" Wardlaw

Assistant Student Enrichment Director & Student Success Coach

Carl Anthony “Tony” Wardlaw – For over 25 years, Dr. Wardlaw has worked in leadership, counseling, and pastoring. Beginning with working in middle management for a manufacturing company in Douglas, GA, Dr. Wardlaw has also worked in the academic, nonprofit, public, and private sectors. Additionally, he served over 7 years in the United States Military as a Military Intelligence Officer before resigning his commission as a Captain in the Army.

Currently serving as the Assistant Director of the Student Enrichment Center, Student Success Coach, and Adjunct Faculty at Brewton-Parker College in Mount Vernon, GA, he also serves as the Pastor of The Green Grove Missionary Baptist Church in Dublin, GA.

As a member of the renowned International Gospel Singing Group, The Wardlaw Brothers, Dr. Wardlaw has traveled all over the nation and abroad ministering and singing the Gospel of Christ Jesus. Dr. Wardlaw has served as a consultant for various agencies and has worked as a Fatherhood Coordinator and G.E.D. instructor within the Technical College System of Georgia and participates in local and national civic and philanthropic work.

Dr. Wardlaw holds a Bachelor of Business Administration degree in International Business from the University of Georgia, two master's degrees from Troy University (Master of Science in Clinical Counseling and Psychology and Master of Education in Counseling), and a Doctorate in Education from Argosy University in Organizational Leadership. Dr. Wardlaw is a Lifetime Silver Member of The NAACP and a member of The Omega Psi Phi Fraternity, Inc. He is happily married to the former Mrs. Stephanie Scott. They have 3 Children; Chambria, Marc, and Carleigh.

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