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.
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.
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.
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).
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.
To be considered for financial aid a new student must:
To be considered for financial aid a current student must:
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
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:
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:
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.
Effective date July 1, 2011
SAP consists of two parts:
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.
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.
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:
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.
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