St Joseph’s College of Nursing Financial Aid 2019
Financial Aid College administrators believe that any student who is accepted and wants to attend St. Joseph’s College of Nursing should be able to do so. We work hard to help students find the financial resources they need. Staff in our Financial Aid Office provides information and advice to help students and their families apply for federal and state aid, student loans and scholarships.
| Tuition & Fees | Transportation & Field Trip Expenses |
| Tuition & Residence Hall Refund Policy | Tuition Refund Policy |
| How to Apply For Aid | Financial Aid Eligibility |
| Scholastic Requirements | TAP Standards of Progress |
| Academic Progress Requirements | Probation Contract |
| GPA Requirements | Maximum Time-Limit Requirements |
| Evaluation of Academic Progress | Academic Requirements |
| Probation Status | Denial Status |
| Appeal & Reinstatement | Loss of Financial Aid |
| TITLE IV Refunds Policy | Grants & Scholarships for NY Residents |
| Aid to Part-Time Study | Special Awards & Scholarships |
| Federal Financial Assistance Programs | William G Ford Direct Loan Program |
| Scholarships | Net Price Calculator |
Tuition and Fees
All tuition and fees are due to St. Joseph’s College of Nursing by the first day of each semester. Students with scholarships or loans must follow this payment plan. St. Joseph’s will extend credit to recipients of specified grants. The tuition and fees listed do not include the cost of books, personal needs, entertainment, transportation and other incidentals. Estimated annual expenses for one year at St. Joseph’s can be found here.
Transportation and Field Trip Expenses
Students must pay for their own transportation, meals and other necessities while attending off-campus clinical experiences, field trips and outside conferences, unless they are acting as official student delegates on behalf of the St. Joseph’s College Administration.
Tuition & Residence Hall Refund Policy
A student wishing to withdraw from the college must submit a written request identifying the reason for withdrawal to the Vice President/Dean of the College of Nursing. A meeting will then be scheduled. If the student withdraws, tuition costs will be refunded as shown in the chart below.
Fees are separate from tuition and are nonrefundable. Refund date is based on last date of attendance. If a student received Title IV financial aid, the aid is recalculated based on the percentage of the semester completed up to 60 percent. After 60 percent completion, there is no recalculation. A refund of Federal Financial Aid is first applied to the Federal Stafford Loan then the Federal Pell Grant.
For further information regarding refund policies, contact the Coordinator of Financial Aid.
Tuition Refund Policy
| Withdrawal Date | 1st Week | 2nd Week | 3rd Week | 4th Week | 5th Week |
| Amount Refunded | 100% | 75% | 50% | 25% | 0% |
*Refund date is based on the last date of attendance
How to Apply For Aid
| Program Option | 2019-2020 FASFA & NYS TAP Application Deadlines |
| New Applicants | January 1st |
| Current Students | February 1st |
To be considered for financial aid, students must file:
- Free Application for Federal Student Aid (FAFSA) with the US Department of Education Student Financial Assistance Programs;
- FAFSA School Code: 006467 www.fafsa.ed.gov
- New York State Tuition Assistance Program (TAP) application with the New York State Higher Education Services Corporation These agencies will issue a report directly to the Financial Aid Office. Students must apply for financial aid each year. Award amounts are credited to the student’s tuition account each semester. The Financial Aid Office issues credits as they become available. The Financial Aid Office offers students the forms and guidance they will need to complete the application process. Students may reach the office by calling 315.448.5040.
- NYS TAP School Code: 0765 www.hesc.ny.gov
Financial Aid Eligibility
Please complete your FAFSA/TAP as soon as possible after October 1st. The federal government now requires the use of prior-prior year tax information, therefore, you will need your 2017 tax documents to assist in the application process.
Eligibility for financial aid is determined according to the amount of financial need indicated on the FAFSA and TAP reports. To receive aid, students cannot be in default on any prior federal educational loan.
Scholastic Requirements
Students must be in good academic standing to receive financial aid. Once financial aid is awarded, students must meet St. Joseph’s Standards of Progress to remain eligible for aid in subsequent semesters. The Standards of Progress include two factors: program pursuit and academic progress. Program pursuit is defined as the percentage of credits a student must complete each semester. Academic progress is defined as accomplishing the required GPA and completing the necessary credits. Following matriculation into the College of Nursing, students have three years (six semesters) to complete the program. Cumulative GPAs are reviewed at the end of each semester and used to determine the level of academic progress and program pursuit for federal and TAP aid.
TAP Standards of Progress
Normal # of Semesters for Completion
| 1st | 2nd | 3rd | 4th | |
| Credits per Semester | 17 | 16.5 | 17.5 | 17 |
| Cumulative GPA Required | 1.75 | 2.0 | 2.0 | 2.0 |
Max # of Semesters for Completion
| 5th | 6th | |
| Credits per Semester | 12 | 12 |
| Cumulative GPA Required | 2.0 | 2.0 |
Satisfactory Academic Progress Requirements for Financial Aid
Financial aid satisfactory academic progress is defined by successful completion of courses (credit hours), cumulative grade point average and maximum time limits to complete the student’s course of study. Students must meet all requirements listed in the chart below:
Probation Contract
A student on financial aid probation must develop a probation contract with an academic advisor before registering for the next semester. The student must meet the terms of the probation contract, including earning a 2.0 GPA during the following semester.
GPA Requirements
Financial aid recipients must maintain the following cumulative GPAs to meet satisfactory academic progress requirements: If a student repeats a course, only the highest of the grades received for the course will be used in the calculation of the GPA.
Maximum Time-Limit Requirements
A student’s eligibility for financial aid will be terminated at the point where 150 percent of the total hours required for a program, as stated in the college catalog, have been attempted. Hours attempted are the sum of all this college’s credits for which tuition was charged whether or not financial aid was received, plus all transfer hours accepted for credit.
Evaluation of Academic Progress
A financial aid recipient’s satisfactory academic progress is evaluated after each semester of the academic year. At that time, a student will be in good standing, be placed on financial aid probation, or denied financial assistance for future enrollment periods. The student must meet all three progress requirements (completion rate, GPA and be within the maximum time frame) to remain in good standing. Students will be notified by the Financial Aid Office if they are placed on probation or denied financial aid.
Academic Requirements for Financial Aid
| GPA: | 0.00 – 1.79 | 1.80 – 1.99 | 2.0 + | |
| Hrs. Attempted: | 1 – 17 | Probation | Probation | Good Standing |
| Hrs. Attempted: | 17 – 33.5 | Probation | Probation | Good Standing |
| Hrs. Attempted: | 33.5 – 49.5 | Denial | Denial | Good Standing |
| Hrs. Attempted: | 49.5 – 68 | Denial | Denial | Good Standing |
Probation Status
Probation status will not prevent the student from receiving financial aid. The probationary semester is meant to inform the student of potential academic problems and provide time for corrective action. If a student does not meet the satisfactory academic progress standards after the probationary period, denial status could be imposed or continued probation approved.
Denial Status
Denial status will prevent the student from receiving any Title IV, state or institutional financial assistance for future enrollment until the student meets all satisfactory academic progress standards.
Appeal and Reinstatement
Students may appeal their denial status by submitting an appeal form to the Financial Aid Appeals Committee. Appeal forms may be picked up and submitted to the Financial Aid Office. Some circumstances such as medical problems, illness or death in the family can be considered for an appeal. The committee will review the appeal and contact the student within two weeks. This policy does not preclude a student from enrolling in subsequent semesters. Students may have their financial aid reinstated by the Financial Aid Office once all satisfactory academic progress standards (completion and GPA requirements) are met.
Loss of Financial Aid
Students who do not achieve the qualitative and/or quantitative measures as determined by the Standards of Progress will not receive further financial aid. However, students may petition the College to waive the satisfactory progress requirement by submitting a written explanation for poor performance. Examples of some acceptable causes of poor performance are personal illness or injury, family illness, death in the family or circumstances resulting in undue hardship. A committee reviews the Request for Waiver and notifies the student of its final decision. Students may also regain financial aid eligibility by taking courses without the use of financial aid to make up any deficiencies. After attaining the accumulated credits and satisfactory GPA, students are eligible to use financial aid again. However, when TAP is lost due to a student not completing the required percentage of courses per semester, eligibility for further TAP awards is lost for one year. A student may submit a written request to the Financial Aid Office to receive a one-time waiver of this eligibility requirement. Some types of financial aid may still be available to students on probationary status. Aid is discontinued when students leave the school or are no longer in good academic standing.
TITLE IV Refunds Policy
In accordance with the Higher Education Amendments of 1998, a portion of Title IV grant or loan funds must be returned to the Title IV Program upon a student’s withdrawal from college. This may result in a student incurring a liability to St. Joseph’s College of Nursing after the Title IV funds are returned. Once the institution has determined an official withdrawal date, regulation provides a formula for the calculation of the amount of Title IV aid that the student has “earned” and the school may retain. This will depend on the percentage of the enrollment period that the student has completed up to withdrawal. This percentage is calculated by dividing the number of calendar days (not weeks) completed by the total number of calendar days in the period. Up through the 60% point of the enrollment period, the student is eligible for the actual percentage of aid the calculation provides. After the 60% point of the semester, 100% of the Title IV aid is considered “earned” by the student.
Grants and Scholarships for New York Residents
Tuition Assistance Program: New York state residents attending colleges in New York state can apply to receive a grant through the Tuition Assistance Program (TAP), which is administered by the New York State Higher Education Services Corporation (HESC). To be eligible, a student must be a resident of New York State and a US citizen or permanent resident alien or refugee. He or she must have a high school diploma or GED, take at least 12 credits per semester, be in good academic standing, have no previous debt from a defaulted student loan and meet family income criteria. HESC does not count family income for students who are considered financially independent: those 35 or older; and those between the ages of 22 to 34 who have not lived with their parents, been claimed as a dependent or received $750 yearly from their parents for three years. New York State scholarships are awarded for up to four years of full-time study regardless of need and are won in the senior year of high school by competitive examination. Recipients must attend school in New York state and maintain their New York State residency. TAP Standards of Progress is used to determine each student’s eligibility to receive his/her next TAP award. However, there is one difference from the school standards. Each semester TAP award is valued at 6 points and an academic year is valued at 12 points. The higher number of points the student has used, the larger the percentage of courses he/she will need to complete. Points are accumulated from all the schools from which the student received TAP. The maximum allowed for study at a two year institution is 36 points. In the first year of study, each student must complete 50 percent of the courses attempted. The second year is a 75 percent completion rate; and the third year is 100 percent completion. If a student has previously attended college and has received TAP, he/she could be in their first year at St. Joseph’s College of Nursing, but at a 75 percent (second year) or 100 percent (third year) pursuit level of TAP. Students will have an equivalent of three years of TAP to complete a two-year program. After students have received an equivalent of two years of TAP, they must maintain a “C” average or higher to remain eligible for TAP. Eligibility lost due to GPA may be reinstated in the same fashion as stated earlier in St. Joseph’s Standards of Progress. When TAP is lost due to program pursuit (not completing the percentage of courses required per semester), the student’s eligibility is lost for one year unless granted a waiver. A student may be granted a one-time waiver if he/she has “lost” his/her TAP eligibility. A student is allowed only one waiver. If a student believes that he/she is eligible to receive a waiver, he/she must submit the request in writing to the Coordinator of Financial Aid. Waivers will be granted in the student’s best interest and with the student’s concurrence only.
Aid to Part-Time Study
Aid to Part-time Study (APTS) is a very limited campus-based grant program for qualified residents of New York State enrolled for at least 3, but less than 12 credits per semester. Student must be in good academic standing to be eligible; not eligible for repeated courses.
Special Awards and Scholarships
New York state also offers several scholarships and grants to residents who meet certain criteria. Among others, aid is available for students who are:
- Veterans
- Children of veterans
- Family of deceased public servants
- Native Americans
To find out more regarding eligibility for these programs and others, visit the HESC Web site at www.hesc.ny.gov.
New York State scholarships and TAP application forms are available in late spring for the upcoming academic year. Students can obtain forms at high schools, St. Joseph’s College of Nursing or from the New York State Higher Education Services Corporation. For more information on TAP grants and other New York state aid, contact: New York State Higher Education Services Corporation 99 Washington Ave. Albany, NY 12255 888.697.4372 or 518.473.1574 www.hesc.ny.gov
Federal Financial Assistance Programs
The Federal Pell Grant assists students in their pursuit of higher education. To be eligible, a student must be matriculated as an undergraduate and be a citizen or meet a citizenship requirement. To apply for a Federal Pell Grant, students must complete the Free Application for Federal Student Aid (FAFSA). Awards vary each year according to Congressional appropriation and cost of education. A student who withdraws or terminates enrollment within the refund policy period may have to return a portion of the grant to the Federal Pell Grant Fund. The Academic Competitiveness Grant (ACG) is available to full-time students who qualify for a Pell Grant and who have completed a rigorous high school program within the last two years. To apply for this grant, the student must complete the FAFSA application. For further information about the Pell Grant or ACG, please go to the Department of Education’s Web site at www.studentaid.ed.gov. Through the Parent Loan for Undergraduate Students (PLUS), parents may borrow up to the cost of attendance per year for each financially dependent student. The amount borrowed in any year cannot exceed educational costs, taking into account all other financial aid received. Interest on the borrowed amount begins after the first disbursement. Repayment begins within 60 days of the last disbursement and the maximum repayment period is 10 years. Applications are available from the Financial Aid Office.
William G Ford Direct Loan Program
Unlike scholarships and grants, loans are borrowed money and must be repaid – with interest. Direct loans are either subsidized or unsubsidized, many students will qualify for both.
A subsidized loan is awarded on the basis of financial need. The federal government pays the interest on the loan(subsidizes the loan) until the student begins repayment and during authorized periods of deferment.
An unsubsidized loan is not awarded on the basis of need and the student is responsible for the interest payments from the time the loan is disbursed until it is is paid in full.
To be eligible a student must be a US citizen or permanent resident alien, be in good academic standing, make satisfactory academic progress, have no prior student loans in default, and be studying at least half time.
Students must complete a Loan Entrance Interview before their application can be approved. Additional information can be found at Student Loans.
Scholarships
Students are encouraged to apply to local and civic organizations, such as American Legion Post, Masons or Women’s Auxiliary to a county medical society for scholarships. Parents should check with employers to see if financial assistance is offered to dependent children.
Note: All outside grants and scholarships should be reported to the Financial Aid Office.