Costs and Financial Aid

Contact Us Scholarships   Applying for Financial Aid Financial Aid Eligibility Type of Financial Aid Federal Financial Aid Suggest Lender List Work Study Forms Federal Loan Entrance Counseling Federal Loan Exit Counseling Alternative Student Loans Contact Information
A Quality Education at an Affordable Cost At the College of St. Joseph, we are committed to providing a quality education at a reasonable cost. CSJ is in fact one of the most affordable private Catholic colleges in New England. We believe that no student should be denied a college education because of lack of financial resources, and we work hard to meet the individual needs of our students and their families through our extensive financial aid programs.
Full-time Student Expenses Per Semester 2007-2008     Fall Semester (Payable August 15) Spring Semester (Payable January 1) Full-time Undergraduate Tuition (12 to 17 credits each semester) $7,750.00 $7,750.00 Full-time Graduate Tuition (9 to 12 credits each semester) $6,000.00 $6,000.00 Full-time ACCEL Program Tuition $6,000.00 for each of three terms Room and Board $3,800.00 $3,800.00 Technology Fee $65.00 $65.00 Room Damage Deposit (refundable) $400.00   Private Room Rate $400.00 $400.00 Undergraduate Student Activity Fee (nonrefundable) $130.00   Health Insurance* (nonrefundable) $576.00   *Waived if student provides acceptable documentation of existing health insurance coverage by the first day of the semester. Part-time Student Expenses Per Semester 2007-2008 Comprehensive Fee per semester (nonrefundable) - $45.00 Part-time rate per credit hour up to 11 credits (undergraduate) - $250.00 Part-time rate per credit hour up to 8 credits (all graduates, except MBA) - $325.00 Part-time rate per credit hour up to 11 credits (postbacc students) - $325.00 Part-time rate per credit hour  (MBA program) - $400.00 Audit fee (not available for MBA courses) - 50% of tuition. Note: All tuition & fees for part-time students must be paid at the time of registration. Special Fees  (All Fees Non Refundable) Orientation Fee (New full-time students) - $125.00 Application Fee (undergraduate) - $25.00 Application Fee (graduate) - $35.00 Undergraduate overload tuition fee per credit hour (over 17) - $250.00 Graduate overload tuition fee per credit hour (over 12) - $325.00 Harvest Fee - $750.00 Graduate & Undergraduate Student Teaching Fee - $300.00 Graduation Fee (Undergraduate) - $75.00 Graduation Fee (Graduate)*- $100.00 Late Registration Fee (full-time students only) - $10.00 Lab Fees - Listed in course descriptions *Includes comprehensive examination, diploma, cap and gown rental, and all other related graduation expenses. *Students can expect additional expenses relating to books and personal living costs. Students involved in internships or student teaching should plan on increased travel expenses.
Financial Aid Information and Instructions
The College is genuinely concerned that the cost of higher education is a serious financial investment for many students and their families. We have established a program of financial aid designed so qualified students interested in attending the College may be able to do so. We encourage all candidates for admission or returning students to complete the Free Application for Federal Student Aid (FAFSA). Applications may be submitted after January 1st.  Apply early to have the best chance of receiving aid.  Priority deadline is March 1st to be considered for all funding.  Late applicants will receive notice of eligibility for any aid remaining at the time their application is received.  Aid is determined by the financial aid office. To learn more about our financial aid options contact studentaid@csj.edu
Financial Aid Application Process
Financial aid applicants should complete and submit the following forms after January 1 and before March 1. Apply early as funds are awarded on a first come, first serve basis. Complete the Free Application for Federal Student Aid (FAFSA) form. Apply online at www.fafsa.ed.gov. The College of St. Joseph's Title 4 school code is #003685. A PIN (Personal Identification Number) is needed to electronically sign the FAFSA. Go to www.pin.edu.gov to get your PIN. If parental information is required on the application a parent will need to request a PIN as well to sign the application. Complete the College of St. Joseph Financial Aid Application. Financial Aid Application. (Acrobat reader required) Apply for state scholarship/ grants. Contact your state agency for specific requirements and deadlines.  Vermont residents can apply at www.vsac.org.
Financial Aid Eligibility To be eligible for assistance under the federal financial aid programs you must meet all of the following criteria: Be a US citizen or eligible non-citizen of the United States with a valid Social Security number Be enrolled in a degree program or accepted for admission to the College of St. Joseph. Meet satisfactory academic progress standards once in school. Register with the Selective Service, if required and Not be in default on a federal student loan or owe money on a federal student grant
College of St. Joseph Grants and Scholarships Recipients are selected by CSJ’s scholarship committee.  Many are based on financial need and academic performance.  Must have a FAFSA on file.  Refer to College Catalog for more details. Federal Financial Aid Federal Grants -Pell, Supplemental Educational Opportunity Grant (SEOG), Academic Competitiveness Grant (ACG).    Federal Parent Loan-For parent of dependent student enrolled in an undergraduate program.  PLUS loan, 8.5% fixed interest, repayment starts 60 days after the second disbursement. Student Loans Perkins-Guaranteed student loan-meaning no credit review required, based on need.  Interest rate is fixed.  Repayment begins nine months after recipient ceases to be enrolled. Stafford- Guaranteed student loans-meaning no credit review is required. Two types: Subsidized (no interested is charged until repayment) based on need.  Unsubsidized –Interest is accruing from the start of the loan while in school and is not based on need. For both types the interest rate is fixed.  Repayment begins nine months after recipient ceased to be enrolled or is enrolled less than half-time. Grad PLUS – available to graduate student only, 8.5% fixed rate, credit review is required.
Suggested Lender List for Federal Stafford and PLUS loans The College of St. Joseph conducted a survey of lenders for the 2008-2009 school year to determine a suggested lender list.  Each lender’s responses were regarding organizational information as well as the products and services they provide to student and parents. If you wish to use another lender that is not on this list, you have the right to do so.  Borrower benefits subject to change.  Please visit the lenders website for current benefits.  All first-time Stafford loan borrowers must complete and submit a Lender Selection form.
Overall benefits these lenders offer are: Available to in-state and out-of-state borrowers Online application processing Online account access for borrowers Average call wait time is less than 30 seconds Problem resolution within 24 hours Proactive in prevention of student loan defaults Alternative Loan products VSAC and Wachovia offer loan consolidation services for Federal Student Loans
Lender VSAC Vermont Student Assistance Corp Lender Code - 830075  www.vsac.org     800-798-8722 Wachovia Education Finance Lender Code - 830005 www.wachovia.com/education 800-338-2243     Sallie Mae Lender Coder - 802218 www.salliemae.com 888-272-5543   Federal Stafford:  Subsidized Unsubsidized No origination fee Automatic 1% interest rate reduction at start of repayment No origination fee 1% principal rebate at the start of repayment 1% principal rebate after 12 schedule payments             1.5% principal rebate after 12 schedule payments Up to 2.5% in fees that includes a 1.5% federal origination fee and a 1% federal default fee. There are lenders and guarantors that work with Sallie Mae that pay all or a portion of these fees          0.50 percentage point interest rate reduction for making payments using automatic debit Participates in Upromise program   Federal PLUS Loan (Parents)   3% origination fee   1% default fee waived Annual interest rebate of 1% of current principal balance while in repayment   3% origination fee 1% default fee may be charged by the loan guarantor 1% principal rebate at the start of repayment 1% principal rebate after 12 schedule payments 1.5% principal rebate after 12 schedule payments   3% origination fee 1% default fee 0.50 percentage point interest rate reduction after making the first payment as initially schedules, borrower must sign up on Managing Your loans prior to making the first payment 0.75 percentage point interest rate reduction for making payments using automatic debit Participates in Upromise program Federal GRAD PLUS (Graduate students)   3% origination fee 1% default fee waived Interest rebate equivalent to 4.3% principal balance first year in repayment Subsequent years, annual interest rebate equivalent to 1.3% of current principal balance   3% origination fee 1% default fee may be charged by the loan guarantor You receive a 0.60% interest rate reduction immediately after your first disbursement, lowering the 8.50% fixed rate to 7.90%. 7.9% fixed rate for the life of your loan 3% of your loan amount subtracted from accrued interest   3% origination fee 1% default fee waived 1% loan credit after making the first 12 monthly payments as initially scheduled 1% point interest rate reduction after making the first payment as initially scheduled 0.25 percentage point interest rate reduction at first disbursements. This benefit continues for the life of the loan 0.50 percentage point interest rate reduction for making payments using automatic debit Participate in UPromise   Non-Profit Yes No No Sell Your Loan to another Lender No Generally No Generally No
Work Study Based on need. Student employees receive a bi-weekly paycheck for hours worked.  During the academic year we recommend that students not work more than 20 hours per week.  Employment is not guaranteed. Federal Work Study- funded by the Federal government, subject to availability of funds, student is paid directly for hours worked. College Work Scholarship is funded by the institution, subject to availability of funds, and these wages are credited to the student’s account if an outstanding balance exists.
Federal Stafford Loan Entrance Counseling Federal regulations require that first time borrowers of Federal Stafford (subsidized and unsubsidized) and/or Federal Perkins Loans must complete entrance interview loan counseling before the proceeds of their loan can be released. You may have the option of doing your Loan Entrance Counseling online with an organization called Mapping Your Future. You can find Entrance Counseling under "Site Menu." Federal Loan Exit Counseling Federal regulations require that borrowers of Federal Stafford (subsidized and unsubsidized) and/or Federal Perkins Loans must complete exit interview loan counseling before they leave the college. You may have the option of doing your Loan Exit Counseling online with an organization called Mapping Your Future. You can find Exit Counseling under "Site Menu." Alternative Student Loans Private loan in the students’ name.  Approval based on credit review.  Many times a co-signer is needed.  Contact the lender of choice to initiate this type of loan.  Alternative loans should only be used as a last resort after exploring all other financial aid options. Listed below are some of the alternative loan programs students have used.  It is a place to start.   We do not recommend any particular company, but are simply providing the information for you.
VSAC Advantage Loan                    Requirement: FAFSA must be complete www.vsac.org 1-800-798-8722 CitiAssist www.studentloan.com 1-800-967-2400 Campus Door www.campusdoor.com 1-800-786-0002 Sallie Mae www.salliemae.com 1-800-695-3397 TERI www.teri.org 1-800-255-8374 GATE Family Loan www.bankofamerica.com 1-800-895-4283
Financial Aid Forms - 0809 Financial Aid Application To be completed along with the FAFSA each year Award Declination Form Used to revise, decline aid awarded Lender Selection Form Used to select your lender for your Stafford loan Dependent Verification Form Dependent students and parent must complete if selected for verification Independent Verification Form Independent student must complete if selected for verification PLUS Loan Request Form Federal PLUS loan request form for Parent to complete GRAD PLUS Loan Request Form For Graduate student only to request Federal Graduate PLUS loan
Contact:       Julie Rosmus Director of Financial Aid 802-776-5274 jrosmus@csj.edu For financial aid assistance email: studentaid@csj.edu Fax financial aid information to: 802-776-5275