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Consumer Information

The following provides a brief overview of consumer information related to financial aid programs available at Saint Joseph College. For more detailed materials students may access related web sites and contact Student Financial Services directly.

Federal Financial Aid Programs

Additional information regarding federal grant programs can be found at the following web sites:

• http://studentaid.ed.gov/PORTALSWebApp/students/english/grants.jsp
• http://studentaid.ed.gov/students/publications/student_guide/2010-2011/english/sar.htm

Additional information regarding federal loan programs including: terms and conditions; loan schedules; the necessity of loan repayment; and required loan exit counseling can be found at the following web sites:

• http://studentaid.ed.gov/PORTALSWebApp/students/english/studentloans.jsp
• http://studentaid.ed.gov/PORTALSWebApp/students/english/campusaid.jsp
• http://studentaid.ed.gov/PORTALSWebApp/students/english/parentloans.jsp
• http://studentaid.ed.gov/students/publications/student_guide/2010-2011/english/sar.htm

State Financial Aid Programs

All state grants require students to complete the Free Application for Federal Student Aid. Students should check with their state's department of educational for addition application requirements.

• CT:  http://www.ctdhe.org/
• DC: http://www.dccap.org/financial/dc_programs.shtml
• MA:  http://www.osfa.mass.edu/
• ME:  http://www.maine.gov/education/highered/FinancialAid/FinancialAid.htm
• NH:  http://www.nh.gov/postsecondary/financial/index.html
• PA:   http://www.pheaa.org/
• RI:    http://www.riheaa.org/
• VT:   http://services.vsac.org/wps/wcm/connect/vsac/VSAC

Institutional Financial Aid Programs

Private Scholarships

Although the primary sources of grants and scholarships are the federal government, state governments and the College, many local and private organizations offer merit and need-based scholarships to assist students with their college expenses. Students can explore these sources through their high school guidance office, local library, and the Internet.

Employment Opportunities

Financial aid packages may include one or more of the following employment opportunities.

Work Study is an estimated amount that students can earn by working at a job, usually on campus. Work Study positions are not assigned. Typically students work 8 hours per week and usually earn minimum wage, approximately $8.25 per hour. This award is not deducted from the student's bill; students are paid bi-weekly for actual hours worked. Although Saint Joseph College is committed to providing students with work opportunities, jobs are not guaranteed. If students are unable to find work study jobs, they are not responsible for payment of the amount awarded to them on their Financial Aid Award Letter.

 
Additional information regarding FWS can be found at the following web sites:

• http://studentaid.ed.gov/PORTALSWebApp/students/english/campusaid.jsp
• http://studentaid.ed.gov/students/publications/student_guide/2010-2011/english/sar.htm

Cost of Attendance

Resident:

 Commuter:

Additional costs you may encounter include insurance, classroom, lab, and/or parking fees.

Students attending foreign or domestic study away programs will have their cost of attendance and their financial aid adjusted accordingly.

How Eligibility is Determined

Eligibility for federal student aid is based on financial need and several other factors. Congress created a federal needs analysis methodology known as FM which is used to calculate eligibility for federal student aid. Many state agencies also use FM to determine eligibility for need-based state grant eligibility. Students should contact their state's department of education for additional information on state grant eligibility. 

Rights and Responsibilities of Students Receiving Financial Aid

Students have the right to expect that 1) all financial aid records will be maintained in a confidential manner and 2) information regarding the application process, eligibility criteria and disbursement procedures will be provided upon request.

Students have the following responsibilities: 1) complete and submit all financial aid applications in a timely, thorough, and accurate manner; 2) provide the Student Financial Services Office with all requested documentation; 3) to read, understand, and retain copies of all forms that are distributed; 4) to apply or reapply for any federal and state grants for which they may be eligible; and 5) to report to the Student Financial Services Office all grants and scholarship awards received each year.


Gainful Employment Disclosure

Title IV federal financial aid is available for eligible degree and certificate programs, as well as teacher preparation programs that lead to a Connecticut Educator Certification (state teacher license). Title IV aid is not available for non-degree programs or ineligible certificate programs.

Satisfactory Academic Progress (SAP)

Students must remain in good academic standing and meet satisfactory academic progress requirements according to College policy in order to remain eligible for enrollment and financial aid.

The complete Financial Aid SAP Policy may be found here: Saint Joseph College Financial Aid Satisfactory Academic Progress Policy (PDF: 7pp., 136K)

Retention Rate

Measures the percentage of first-time students who are seeking bachelor's degrees who return to the institution to continue their studies the following fall.

• Externally-reported retention rate by law measures only full-time, first-time freshmen from fall of their entering semester to fall of their second year.
• Those meeting that definition who entered in Fall 2008 and returned for Fall 2009:  75%;
• Fall 2009 entering returning for Fall 2010:  78%.
• The national average is around 71-72%.
• Roughly 90% (89.5%) of first-year students who entered in Fall 2010 returned for Spring 2011.

  Note : Increased retention is really a reflection of academic engagement, student engagement, financial commitment, and a student's sense of satisfaction all coming together at once. 

 
Graduation Rate

The overall graduation rate is also known as the "Student Right to Know" or IPEDS graduation rate. It tracks the progress of students who began their studies as full-time, first-time degree- or certificate-seeking students to see if they complete a degree or other award such as a certificate within 150% of "normal time" for completing the program in which they are enrolled.

• 46% of full-time, first-time students who graduated or transferred out within 150% of "normal time" to completion for their program for students who began their studies in fall 2003.
• The 46% rate mentioned is actually the six-year cohort graduation rate only for full-time, first-time freshman students who entered the college in 2003.  By law, it doesn't account for part-time students, for transfer students, for weekend program students, or for graduate students, nor differentiate between students who transfer out versus drop out.
• The national average for full-time, first-time freshman is just above 50%.

Bachelor's Degree Graduation Rate

Measures the percentage of entering students beginning their studies full-time and are planning to get a bachelor's degree and who complete their degree program within a specified amount of time.

Percentage of Students Receiving Institution Aid

Full-time First-Year Undergraduate Students:

Average Debt

Measures the Undergraduate class who graduated between July 1, 2009 and June 30, 2010 who started at Saint Joseph College as first-time students and received a bachelor's degree between July 1, 2009 and June 30, 2010.

• The average per-undergraduate-borrower cumulative principal borrowed through federal loan programs including Federal Perkins, Federal Stafford Subsidized and Federal Stafford Unsubsidized. This amount includes both Federal Direct Student Loans and Federal Family Education Loans: $26,001.

 
Contact Information

For additional information regarding financial aid at the College, students and parents may visit the Student Financial Services Office or contact us by telephone or e-mail.

Saint Joseph College
Student Financial Services
1678 Asylum Avenue
West Hartford, CT 06117

Main Office: 860.231.5223
Fax: 860.231.6702
Email: financialaid@sjc.edu

Staff

Office Hours

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