FAQs & Resources

How Do I Get Billed?

All student bills are mailed to the student's home address. Duplicates can be sent to the student on campus or to an additional address off campus. You can sign up for duplicate billing by contacting the Registrar's Office.

Bills for the first semester are mailed around July 15 and are due in Student Financial Services by August 10. Bills for second semester are mailed around November 15 and are due in the Student Financial Services Office by December 10.

How Much Aid Will I Receive? 

Saint Joseph's College will attempt to meet the financial need of students wishing to attend the College by combining scholarships, grants, loans, and work. The ratio of each type of aid in an award will vary according to individual circumstances.

When Will I Receive My Aid?

Financial Aid awards for New Students will be mailed beginning March 1 for students with a valid FAFSA and to those who have been accepted in Admissions.  Current Students will receive an e-mail notification from Student Financial Services to review and accept their awards through the Empower Portal.  These notifications will begin going out mid-May.  The Empower Portal will also show any additional documents that are being requested.

How Often Do I Apply for Aid?

Financial aid is awarded for one academic year only. All financial aid must be renewed on a yearly basis by filing the Free Application for Federal Student Aid (FAFSA)

How Do I Know if I’m Eligible for Aid?

In order to be considered eligible for financial aid in a subsequent year, a student must continue to demonstrate financial need (except for academic scholarships) and must maintain Satisfactory Academic Progress. Satisfactory Academic Progress is defined as advancing a grade level each academic year.

Complete and submit the Free Application for Federal Student Aid (FASFA) by March 1 (annually) to determine eligibility for state and/or federal aid programs.

What Do I Need to Do to Be Considered for Financial Aid?

To be considered for financial aid a new student must:

To be considered for financial aid a current student must:

How Is My Financial Need Determined?

By "need" we mean the difference between what you and your family can afford to pay as established by the analysis of the FAFSA and the costs of the College.

In order to determine need, a student must complete a Free Application for Federal Student Aid (FAFSA) . Once the College receives valid results of the FAFSA and the application procedure is complete, your need is determined by taking SJC's tuition and fees minus the Expected Family Contribution (EFC) listed in your FAFSA. The resulting figure is the student's estimated financial need.

Cost of Attendance - Expected Family Contribution (EFC) = Financial Need

What Are My Payment Options?

There are a variety of ways to pay for a Saint Joseph's College education. Many of them are reflected in the Award Letter.This is sent to the student after he/she has been accepted to Saint Joseph’s College and SJC has received the results of his/her FAFSA. The Award Letter itemizes the costs of attending SJC and the credits applied to the student's account. This includes:

  • Gift aid: Aid that does not have work stipulations and/or does not have to be repaid. Examples are federal, state, and SJC grants and scholarships.
  • Self-help aid: Aid that is earned through work-study allotments and loan eligibility. Examples are the Federal Stafford Loan and the Perkins Loan.

Credits are subtracted from the overall cost of attending SJC, and the amount left over is the student's balance, which must be paid at the start of each semester.

SJC offers a variety of ways for students and their families to pay tuition:

How Am I Paid for Work-Study Earnings?

Work-Study earnings are paid directly to the student on a bi-weekly basis based on the number of hours they have worked.  Students may not use Work-Study as a method to pay their charges because the wages are earned as the student works.

Satisfactory Academic Progress (SAP) Financial Aid Policy

Effective date July 1, 2011

SAP consists of two parts:

  • Qualitative Standard based on GPA: Freshmen students whose cumulative GPA falls below 1.80 will be placed on academic warning. Sophomores, juniors and seniors below 2.00 will be placed on academic warning.
  • Quantitative Standard based on maximum time frame (also known as "Pace"): Students must complete program within six years as measured in credit hours enrolled. For example, a 120-hour program must be completed in less than or equal to 180-credit hours enrolled. If a student earns 67% of the credits enrolled in each term, the student should complete the program within the maximum time frame. The Quantitative Standard is evaluated on the cumulative hours earned divided by the cumulative hours enrolled. As long as the Pace is greater than or equal to 67% the student is meeting Quantitative SAP.

    Course repeats count as hours enrolled each time a course is repeated. Withdrawals from a course will also count in hours enrolled. Transfer hours accepted toward completion of student's program count as both hours enrolled and hours completed.

SAP will be evaluated at the end of each semester or term.

Students who fail to make SAP and are placed on academic warning will also be placed on financial aid warning. Students on financial aid warning may continue to receive financial aid for one additional term.

All aid, Federal, State and Institutional, will be terminated for students already on Financial Aid Warning who fail to make SAP the following semester. However, a student who has lost financial aid eligibility who believes they have special circumstances that contributed to their lack of success may appeal for reconsideration of eligibility of aid. If the appeal is granted, the student will be placed on Financial Aid Probation. Students who cannot achieve SAP after the warning period and who have aid reinstated via appeal will be placed on Financial Aid Probation as well as an academic plan that will insure they are able to meet SAP by a specific point in time or successfully complete the academic program.

The process for appealing is as follows: The student should compose a letter or email to the Director of Student Financial Services.  This letter should include why he/she failed to make SAP and what has changed that will allow the student to make SAP at the end of the next evaluation period.

If the Financial Aid appeal is denied, students will receive no further financial aid (federal, state, or institutional) until such time the student achieves SAP. Students who meet SAP after having completed additional coursework without financial aid should contact Student Financial Services to request reinstatement of financial aid.


  • Warning: Financial aid warning is assigned to students who fail to meet SAP. Students on financial aid warning may continue to receive Title IV aid for one additional payment period. No appeal is necessary for financial aid warning. Students cannot continue on financial aid warning status; however, students may receive more than one non-consecutive warning.
  • Probation: Financial aid probation is assigned to students who fail to make SAP and who have appealed to have eligibility for Title IV aid reinstated. Students on financial aid probation may receive aid for one payment period.

Refund Policy 

Institutional Refund Policy 

  1. Through the first calendar week of the semester - 90%
  2. Within the second calendar week of the semester - 75%
  3. Within the third calendar week of the semester - 50%
  4. Within the fourth calendar week of the semester - 25%
  5. After the fourth calendar week of the semester - None

The above schedule applies to tuition, mandatory fees, and room and board rates for students voluntarily withdrawing from the College. All financial aid that does not have a mandated refund policy will also be adjusted based on the above percentages. Currently, this applies to all institutional and other non-governmental grant aid that a student receives.

Federal Refund Policy (return of Title IV funds)

Students who completely withdraw from college on or before the 60% point in the semester and receive Title IV funds are required to return the unearned portion of those funds. The amount earned is based on the period the student was in attendance based on the official withdrawal date of the student.

Students who complete 60% of the semester are entitled to keep all Title IV disbursements.

The term "Title IV Funds" refers to the following federal financial aid programs:

  • Federal Family Education Loans (Subsidized and Unsubsidized)
  • Federal Family Education PLUS Loans
  • Federal Supplemental Educational Opportunity Grants (FSEOG)
  • Federal Perkins Loan
  • Federal PELL Grant

Refund Policy of the Indiana Commission for Higher Education Division of Student Financial Aid

Students who completely withdraw from the College before completing the fourth week of classes are ineligible for all State of Indiana grants for the semester. State grants that have been applied to a student's account will be reversed and the funds returned to the Indiana Commission for Higher Education Division of Student Financial Aid. State of Indiana grants include the Indiana Higher Education Award, the Freedom of Choice grant, and the 21st Century Scholars Award.


Explore the Core
  • SJC Education Students in the field

    Start Your Major Freshman Year

    Like Elementary Education major Brittany Cooper ’12, you start your major as soon as you walk in the door, so you will have four years of knowledge and experience in your field.You can even change your mind about your major and still graduate on time with lots of experience.

    Core and the major work in harmony to develop the cognitive skills requisite for success in a competitive, global society. Students better understand the forces that shape the future by exploring the past. They discuss contemporary events; analyze the impact of science on our understanding of humanity and the universe; and investigate diverse cultures and world civilizations. 

  • Professor Fred and Sally Berger at Graduation


    Small colleges offer you personal attention; SJC professors, such as Communication Professors Fred and Sally Berger, do more for you—they serve as mentors. Studies show that having a mentor leads to success in your field. Alumni often tell us how their professors not only played a major role in their success, but also became lifelong friends.  If you are undecided about what to major in, we help you decide.

  • High Quality Academics

    In the Core Program, you will be inspired to debate, analyze, and solve problems. Discussion of culture and society, the modern world, and Christian Humanism are just a few highlights of the Program. New perspectives will be gained, your worldview will expand, and you will graduate from SJC as a well rounded, highly marketable person.

  • Visiting Chinese Students


    You get more deeply involved at SJC, so you get more meaningful experiences that prepare you for career and life. LaMichelle Sanders ’14, for example, has spent two summers helping Chinese study abroad students adapt to life in the U.S. and at SJC. If you want to start a club or activity that doesn’t exist, we encourage you to start one. At SJC, prepare yourself for what you want to do in life.

  • Hoop House student workers

    Real-life Skills

    Because of the skills you develop by having the Core Program interact with your major for four years in addition to internships, job shadowing, and service learning, you get hands-on experience in preparation for your career or graduate school. Students Hanna Kane ’14, Emily Baird ’15, and Alyssa Guarnaccia ’14 collect food in the SJC hoophouse to be distributed on campus. You will also get four years of analytical, writing, and speaking skills that will serve you well for the rest of your life.

  • Images of Students

    Start Your Major Freshman Year

    Get a jump start on your career and have your resume ready to go at graduation.  

  • Images of Students


    Small colleges offer you personal attention; SJC professors do more for you—they serve as mentors.

  • Images of Students

    High Quality Academics

    The Core Program is all about you and your role in the world.


  • Images of Students


    You get more deeply involved at SJC, so you get more meaningful experiences that prepare you for career and life.

  • Images of Students

    Real-life Skills

    Get real-life experience and become an excellent communicator.