Admissions and Finances (Long Island Campus)

Application Procedure for Secondary School Students

Application forms for Fall and Spring semesters may be obtained from the Office of Admissions and are also available on-line at www.sjcny.edu. St. Joseph’s College also participates in The Common Application. Students in secondary school should make application preferably in their seventh semester. Each application is reviewed individually. In addition to the completed application, freshman applicants are requested to submit the following:

Secondary school transcript
Standardized test scores (SAT or ACT)
Two letters of recommendation
Essay or personal statement of 200–350 words
$25 application fee

Although a personal interview is not required as part of the admissions process, candidates are encouraged to arrange for an interview with a member of the admissions staff. Such appointments can be made through the Admissions Office, which is open from 8-5 Monday through Friday, Saturday 9-3, and evenings by appointment.

Admission Requirements

Admission to St. Joseph’s College is competitive. Each applicant is carefully reviewed for indicators of academic achievement and potential. Recognizing that each applicant offers a unique combination of achievement and promise, the Office of Admissions carefully considers all of the components of the application including: academic transcript; co-curricular activities resume; essay or personal statement; letters of recommendation; and standardized test scores.

Applicants for Scholarships and Awards

For High School Seniors the priority date for scholarship consideration is March 15 for the Fall semester and January 1 for the Spring semester. Completed applications should be received by these dates.

Secondary School Record

Successful applicants will typically have followed a four-year college preparatory curriculum at an accredited secondary school as listed below:

Mathematics Requirement

While three years of college preparatory mathematics are recommended for admission, four years of college preparatory mathematics are suggested for those who plan to major in mathematics, mathematics/computer science, biology, business administration, and for premedical students.

Exemption From Secondary School Admission Requirements

The Admissions Committee at St. Joseph’s College is willing to consider the applications of candidates whose college preparation may vary from the prescribed pattern but who give evidence of their ability to do college work. The Admissions Committee will also consider applications from students who submit evidence of a High School Equivalency Diploma based on the successful completion of the General Educational Development Tests (GED).

Early Admission Plan

This plan is designed for students of high academic standing with a social maturity beyond their grade level. The Admissions Committee will consider high school students for entrance into the College at the conclusion of their junior year in high school. Basic requisites are high academic achievement, parental approval and very strong recommendations from high school guidance personnel. Students must take the College Entrance Examination Board Scholastic Assessment Test in the Fall of their junior year. This program may be considered only in high schools which offer very strong academic preparation.

Standardized Tests

Candidates for admission to the freshman class should take either the SAT Reasoning Test administered by The College Board or the ACT administered by the American College Testing Service. When taking either exam, indicate St. Joseph’s College as a recipient of your test scores and the scores will be forwarded to the College. Requests to have scores sent may also be made online at www.collegeboard.com (SAT) or www.actstudent.org (ACT).

Our school codes are:

SAT – 2841
ACT – 2923

PLEASE CONSULT THE GUIDANCE DIRECTOR AT YOUR SCHOOL FOR SAT AND ACT TEST DATES.

NOTE: Students applying for academic scholarships and awards should arrange to take the SAT or ACT in the second half of Junior Year or in the first half of Senior Year.

International Students

International students who seek admission should file an application, with a $25 fee, six months in advance of their anticipated matriculation date. In addition to official school credentials, they are required to submit a certificate of health and scores on the Test of English as a Foreign Language. Applicants must have a total score of 550 (paper-based), 213 (computer-based), or 79–80 (Internet based) in order to be considered for admission. The TOEFL bulletin of information and registration form can be obtained in a number of cities outside the United States. The application must be accompanied by an affidavit signed by the person who will be responsible for payment of full tuition and fees in advance.

Admission to St. Joseph’s College is contingent upon acquisition of a valid student visa (F-1) from the United States Immigration and Naturalization Service.

Rolling Decision Plan

The Office of Admissions will review applications and credentials as they are received. Admissions notification for the fall begins on November 1 and on a rolling basis thereafter. Notification for the spring semester is on a rolling basis.

Conditional Program Acceptance for Freshmen

A limited number of students who exhibit college potential, but do not meet general admissions standards, are accepted on a “conditional” basis. They may be limited to four courses, or twelve credits, for the first semester and are provided with a faculty advisor to assist in programming. The College assumes that the student will be able to make satisfactory progress at this institution.

Candidates’ Reply Date

Students who have been accepted for admission should reply by December 1 (for the spring term) or May 1 (for the fall term) to confirm their choice of St. Joseph’s. Late applicants will be expected to confirm their acceptance within two weeks of notification. For acceptance deposit, see  Statement of Costs .

Registration, Programming, and Placement

Students are notified in advance of the class registration dates for the fall and spring semesters. During the registration period for September (fall) freshman entrants, which is usually scheduled in May, the Chairpersons of Academic Departments are available for group and individual consultation. Students who are undecided as well as those who have selected a major are encouraged to take advantage of this opportunity to discuss interests and educational goals with the Chairpersons. Under their advisement, the students then make their course selections for the fall term. Students are required to submit documentation regarding MMR Immunization and meningoccal meningitis vaccination prior to the first day of class.

Students who apply or are accepted after the official registration period are advised by the Admissions Office of alternate registration dates.

Advanced Placement

Students who have taken advanced placement courses in secondary school may apply for college credit. St. Joseph’s grants advanced placement and credit on the basis of the candidate’s score on the Advanced Placement Examination administered by the College Entrance Examination Board and subject to approval of the departmental chairperson in whose field the advanced study has been done.

At registration, it is the student’s responsibility to inform advisors of any A.P. credit in order to avoid duplication of course work.

Freshmen may also enroll with advanced standing upon presentation and review of an official transcript for college-level work completed.

International Baccalaureate

St. Joseph’s recognizes the advanced level of the International Baccalaureate (IB) Program. The College awards credit for International Baccalaureate courses taken at the Higher Level in which the student earns a score of 5 or better. Equivalence of courses is determined by the Department Chairperson. The student is responsible to submit an official IB transcript to the College.

College Proficiency Examinations

Matriculated students may apply for credit or placement for the equivalent of St. Joseph’s College courses on the basis of their successful completion of examination sponsored by:

1. CLEP–The College Board’s College-Level Examination Program (Box 2815, Princeton, New Jersey 08541)
2. RCE–The New York State Education Department’s Regents College Examinations (State Education Department, Cultural Education Center, Albany, New York 12230)
3. USAFI–United States Armed Forces Institute (Commission on Accreditation of Service Experiences of the American Council on Education, One Dupont Circle, Washington, D.C. 20036)

Students who wish credit or placement on the basis of any of these exams should have a copy of their scores forwarded from the sponsoring agency to the Registrar of St. Joseph’s College. When a decision has been reached, the student will receive written confirmation of the credit or placement granted.

Re-admission

A student who has withdrawn from the College and who wishes to return must complete the appropriate re-admission process as outlined below.

1. Students who attended another post-secondary institution after withdrawing from St Joseph’s College must re-apply for admission through the Office of Admissions. Official transcripts from all colleges attended must be submitted and will be reviewed for admission and transfer credit purposes.
2. Students who, after withdrawing from St. Joseph’s College, did not attend any other post-secondary institution may obtain an application for re-admission from the Office of the Registrar.
3. Students who wish to return to the College within one year after an approved leave of absence, and have not attended any other institution, must meet with an academic advisor prior to registering for classes.
4. Students who wish to return after being dismissed for academic reasons must file an application for re-instatement with the Academic Dean.

Transfer Students: Policies and Procedures

Transfer students are welcome at both our Brooklyn and Long Island Campuses. The College believes that transfer students add a new dimension by bringing fresh ideas and varied experiences.

Whenever possible, students who wish to transfer to St. Joseph’s should file their applications at least six months in advance of the expected date of matriculation. Transfer students should request that official transcripts from all former colleges, marked catalogues of former colleges and a listing of courses in progress be sent to the Admissions Office, St. Joseph’s College.

St. Joseph’s College provides for a block transfer of courses, up to 64 credits, for students who have earned an Associate in Arts, or an Associate in Science (with science emphasis) degree in a transfer program at an accredited Community or Junior college.

Transfer credit for an Associate in Applied Science degree varies. In general, the two year programs leading to the A.A.S. degree have been designed for immediate career preparation. St. Joseph’s cannot guarantee, therefore, that it will transfer all or most of the courses and credits earned as part of the A.A.S. degree. The determination rests upon the program followed, the choice of elective courses, and articulation with the major to be followed at St. Joseph’s.

Records of students without an Associate degree will be evaluated on an individual basis in accordance with our Transfer Policy.

Prospective transfer students are encouraged to forward their transcripts to the Office of Admissions requesting an individual evaluation.

If a student transferring to St. Joseph’s has an Associate degree, the student is not required to submit a high school record as part of the admissions procedure. This policy also applies to students without an Associate degree who have successfully completed 24 college credits.

Each student will be given an official Review of Transfer Record, which will indicate courses and credits transferred, and any courses still needed to satisfy the St. Joseph’s College Core Curriculum, as outlined in the current catalogue.

To complete requirements for the Baccalaureate degree, the student is responsible for any core requirements still outstanding; a major of 30 or more credits; any other requirements of the major; and a total of 128 credits, of which a minimum of 90 must be in the liberal arts for a B.A. degree.

Ordinarily, the minimum residence requirements for a St. Joseph’s degree is three semesters, or 48-50 credits. Students who transfer to SJC as juniors are usually expected to complete their course and credit requirements at St. Joseph’s College.

For students desiring to matriculate for their senior year, an interview will be required with the Academic Dean as well as with the Director of Admissions to determine the educational desirability of such a transfer.

Transfer Applicants for Scholarships and Awards

The priority date for scholarship consideration is August 1 for the Fall semester and January 1 for the Spring semester. Completed applications should be received by these dates. Please note: transfer applicants for the Child Study program must apply by June 30 for the Fall semester and December 15 for the Spring semester.

Transfer Scholarships are awarded to individuals who meet the following criteria:

1. 3.0 cumulative grade point average or better
2. student must enroll full-time at St. Joseph’s College

Statement of Costs 2011-2012

A remittance of $25 is payable when the application for admission is filed. The application fee is a service fee and is in no case returnable.

Annual Tuition and Fees

Special Fees

*This fee is levied by the Student Council for the support of student organized activities.

Tuition Policy

In addition to a non-refundable $25 application fee, all new full-time students accepted for admission must make a tuition deposit of $250 and part-time students $80 at the time of registration. The deposit is not refundable, but it will be credited toward the first term’s tuition. This deposit is only good for two years from the time the deposit is made.

A student’s bill for tuition and fees is based on the number of credits for which a student intends to register, less applicable financial aid or scholarships for that semester. Scholarships or student aid may only be subtracted if all related applications and other information have been submitted on a timely basis. Payment of the remaining balance constitutes “Clearance’’ by the Bursar’s Office.

Bills for the semester must be cleared by the Bursar’s Office before students may attend class. Students who do not receive financial clearance from the Bursar’s Office will not be officially registered at the College for that semester. Students may not enroll for a successive semester until their accounts have been completely satisfied.

St. Joseph’s College makes available several tuition financing options through our tuition deferment programs. The two monthly budgeting programs the College offers are Tuition Management Systems and Academic Management Services. Basically, these programs are designed to afford students the opportunity to pay their educational expenses in monthly installments. Students may elect to contract with either of these services for a nominal initial participation fee prior to or at the beginning of each new academic year. Students interested in either of the two plans may obtain brochures and applications in the Bursar’s Office. Additional information may be obtained by calling AMS at 1-(800) 635-0120 and TMS at 1 (800) 722-4867.

The accounts of students who are unable to pay what is owed by the first day of class (other than those who are enrolled with either the Tuition Management Systems or Academic Management Services), will automatically default to St. Joseph’s College Tuition Extension Agreement. Unlike the other two deferment programs, under St. Joseph’s College Tuition Agreement, a finance charge will be assessed.

Questions regarding the College’s tuition policy, should be addressed to the Bursar at the Long Island Campus at (631) 687-4566.

STUDENTS WHO FAIL TO COMPLY WITH THESE REGULATIONS WILL BE SUBJECT TO SUSPENSION UNTIL THE REQUIREMENTS ARE MET.

FLAT-RATE. The flat rate for tuition covers 33 credits per academic year. In this way, the College’s requirement of 128 credits can be achieved in eight terms. Full-time students—those taking at least 12 credits—are charged the flat rate of $17,800 per academic year. Inter-session and Summer Session courses are not included within the flat-rate tuition. Full-time students who take more than 33 credits per academic year will be charged $580 for each additional credit. Up to 18 of the 33 credits may be taken in one semester without an additional charge.

PER CREDIT. Part-time students–those taking fewer than 12 credits–are charged $580 per credit.

Neither a transcript nor a diploma will be issued until all financial obligations are settled. The College reserves the right to alter tuition charges and fees when such changes become necessary.

Health and Accident Insurance

All full-time students will be required to carry Health and Accident Insurance. This fee will be charged in the Fall and Spring semesters. If a student is currently covered by another policy of greater or equal value, the SJC Insurance may be waived. Waiver forms are available in the Dean of Students Office, on both campuses, or can be downloaded from the SJC website at www.sjcny.edu. Please read and follow all the instructions on the Waiver Form. This form must be completed and returned to the Office of Student Life each Fall by October 1. Health and Accident Insurance must be waived each year if not desired.

If the student is enrolled for the entire school year, the Health Insurance Coverage for the Fall semester is $394.00 and for the Spring semester it is $395.00. For those students entering the College in the Spring semester the fee will be $486.00.

Students who were part-time in the Fall semester and full-time in the Spring semester will automatically receive insurance coverage for the Spring and will automatically be charged in the Spring semester only. Any student already covered by another policy may complete and submit a waiver form to the Dean of Students Office by February 1, each Spring.

INTERNATIONAL STUDENTS: International students who require insurance coverage in excess of the limits provided by the student accident and sickness plan can request enrollment in a plan tailored to the international student. International students who wish to participate in the International Plan must obtain an Enrollment Form from the Dean of Students Office.

Withdrawal From a Course or From the College: Tuition Refunds

Full-time students who receive permission to withdraw from a single course are not entitled to a refund, unless the withdrawal involves extra credits, paid for by the point. In such cases, the student may ask for a refund of the extra tuition within the first four weeks of the term. Part-time students who withdraw from a course may also apply for a refund.

Withdrawal from the College may entitle a student to a refund of tuition but not of fees.

The percentage of refund will be determined according to the following schedule: 

This schedule does not apply to the tuition deposit required of first time students. This deposit is non-refundable.

Federal Title IV recipients should see the Return of Title IV Funds section of this catalogue.

In the absence of written notification, the date of withdrawal is determined by the Dean.

Refunds of financial aid awards, student loans, etc., are not refundable until the actual funds have been received by the College and the student’s eligibility for the funds has been determined.

A refund will not be granted to a student who is dismissed or who withdraws while under disciplinary action.

A student who feels that his/her individual circumstances warrant an exception to the College’s refund policy may submit a written appeal for special consideration to the Assistant to the C.F.O. That decision is subject to appeal to the Chief Financial Officer.

Once the Bursar’s Office has determined that a student is eligible to receive a refund, it will automatically be processed by the office. This typically occurs after the fifth calendar week of the semester. If a student would like to carry the credit to a future semester he/she will have to complete and submit a “Carry Credit Request Form” to the Bursar’s office. The Carry Credit forms are available on the SJC website under Bursar’s office. These forms can be found in the link titled Bursar Forms.

If the refund includes funds from a Parent’s Plus Loan, a separate “Refund Application Form” will be sent to the parent from the Bursar’s Office. This form requires the parent’s signature before any funds can be released.

Scholarships and Financial Aid Programs

All matriculating students, including transfer students, may apply for financial aid. Consideration for a scholarship or financial aid from St. Joseph’s College is dependent upon making application and receiving official notification of acceptance into the College.

Financial Aid

Application Procedures

To be considered for federal, state and institutional sources of financial aid, students should follow these procedures each academic year.

1. Complete the Free Application for Federal Student Aid (FAFSA) designating St. Joseph’s College, Patchogue NY as a recipient. The student will be asked to enter St. Joseph’s federal school code, which is E00505 for the Long Island Campus. The FAFSA may be completed online at www.fafsa.ed.gov, or a paper FAFSA may be completed and mailed in to the Federal Student Aid Processor.
2. New York State Residents should also complete the New York State Tuition Assistance Program (TAP) application. After completion of the FAFSA, a student may file the TAP application at www.hesc.org. Undergraduate, semester students should indicate code #0758. Undergraduate students enrolled in the Weekend College trimester program should indicate code #0762.
3. If the student’s FAFSA is selected by the processor for verification, the student will be asked to provide additional documentation to the Office of Financial Aid. The documentation will be compared to the FAFSA, and corrections will be made as necessary. The Office of Financial Aid must be in receipt of the documentation, and all necessary corrections must be made before awards can be disbursed.
4. Priority for certain financial aid programs will be given to students who adhere to the following recommended filing dates:

Requirements and Responsibilities of Student Aid Recipients

All students who receive financial aid are responsible for understanding the academic standards they must meet in order to maintain eligibility for specific programs. Federal financial aid recipients should consult the Federal Financial Aid Programs section of this catalogue. Recipients of St. Joseph’s college scholarships and grants should consult the St. Joseph’s College Financial Aid Programs section of this catalogue. New York State financial aid recipients should consult the New York State Financial Aid Programs section of this catalogue.

Students must notify the Office of Financial Aid in writing of the amounts and sources of any outside aid that they may be receiving. For example, students should inform the Office of Financial Aid about a scholarship that they may be receiving from a community organization.

Student Expense

In order to aid in financial planning, the Office of Financial Aid has provided the following table of estimated costs at St. Joseph’s College. All costs are subject to change.

St. Joseph’s College Full-time Undergraduate Program 2011-12 Student Expenses

Federal Financial Aid Programs

To receive federal financial aid assistance, a student must: 1) have a high school diploma or a General Education Development (GED) certificate, pass a test approved by the U.S. Department of Education, meet other standards your state establishes that the Department approves, or complete a high school education in a home school setting that is treated as such under state law; 2) be working toward a degree or certificate in an eligible program; 3) be a U.S. citizen or eligible non-citizen; 4) have a valid Social Security Number (unless you are from the Republic of the Marshall Islands, the Federated States of Micronesia, or the Republic of Palau); 5) register with the Selective Service if required; 6) maintain satisfactory academic progress once in school; 7) certify that you are not in default on a federal student loan and do not owe money on a federal student grant; and 8) certify that you will use federal student aid only for educational purposes.

Satisfactory Academic Progress Policy for Federal Financial Aid Recipients

Satisfactory academic progress is defined as proceeding toward successful completion of degree requirements. The SJC Office of Financial Aid is required by federal regulation to determine whether a student is meeting the requirements. The official record of the SJC Registrar is reviewed to determine student compliance with this Policy. Satisfactory Academic Progress is reviewed and determined at the conclusion of each semester. Students enrolled in certificate programs will be evaluated at the mid-point of their program.

This Policy pertains only to applicants for federal assistance. A recipient of an SJC institutional scholarship, tuition remission, or an institutional grant must meet the eligibility requirements of the respective program. The New York Tuition Assistance Program (TAP), as well as any other state sponsored programs, has their own, specific progress policies. We encourage you to review the Office of Financial Aid website. If you have questions about the monitoring of satisfactory progress not addressed in this policy, please contact our office.

Satisfactory Academic Progress Requirements-

1. Not exceed a maximum number of hours to complete the degree program:
   Undergraduate students must not exceed 192 credits.
   Graduate students must not exceed 54 credits.
   Students enrolled in certificate programs must not exceed 36 credits.
2. Maintain a cumulative Graduation/Retention Grade Point Average:
   Undergraduate students must maintain a cumulative GPA of 2.0.
   Graduate students must maintain a cumulative GPA of 3.0.
3. Successfully complete at least 75% of the total cumulative hours attempted. This includes all courses attempted at SJC as well as courses transferred into SJC that are applicable to a student’s program. For example, a student who has attempted a cumulative total of 55 hours must have successfully completed at least 41 credit hours to meet the requirement (55 X .75 = 41.25; round decimals down to whole numbers).

Courses/Grades Used in Determining Satisfactory Academic Progress:

All coursework attempted, including any dropped, repeated, reprieved or remedial courses or withdrawals recorded on the SJC Transcript at the time of the progress check are considered when determining if the student has exceeded the maximum number of hours for degree completion and has completed 75% of the total cumulative hours attempted.

The following grades indicate successful completion of a course: “A,” “B,” “C,” “D,” or “P”.

The following grades indicate a course was not successfully completed: “F”,“I”, “AB”, “WD”, “WF”, “WU”, “FN”, “NC”, or a course for which a grade was not entered.

Audit courses are not counted in the total hours attempted for any semester or as successful completion of a course. Independent study, correspondence and extension courses may count toward successful completion of hours attempted if they are completed by the last day of the semester. For information about eligibility and payment of aid for these types of courses, please contact the Financial Aid Office.

Transfer coursework must be reflected on the SJC Transcript to be considered for purposes of financial aid eligibility

Failure to Maintain Satisfactory Academic Progress:

A student who exceeds the maximum number of hours allowed for degree completion will be suspended from future financial aid until the reason for the excessive hours can be adequately documented.

A student who either fails to achieve the required cumulative Graduation/Retention GPA, or to complete at least 75% of the total hours attempted, will be placed on financial aid probation for the following semester of enrollment at SJC. A student may receive financial aid while on probation. At the end of the probationary period, if a student is meeting the Satisfactory Academic Progress requirements, he/she will regain unconditional eligibility for federal financial aid programs. If a student has not met the requirements, he/she will have eligibility for federal financial aid suspended. Please see below.

Financial Aid Suspension:

A student denied assistance based on the Satisfactory Academic Progress Policy may submit a written appeal to the Financial Aid Appeals Committee. An appeal form is included in the suspension notification letter. The appeal and supporting documentation must be received in the SJC Financial Aid Office by the deadline reflected in the suspension notification letter. The appeal should speak in detail to mitigating or extenuating circumstances that affected the student’s academic performance, i.e., severe physical injury or mental trauma.

A student suspended for exceeding the maximum hours allowed for degree completion should also have the academic advisor complete the “Remaining Hours Required for Degree Completion” form if extenuating circumstances require the student to exceed the maximum hours limit. The form is included in the suspension notification letter.

Action taken on a financial aid appeal is final and is transmitted to the student in writing by the Financial Aid Appeals Committee. Depending upon the timeliness of the appeal, it is possible for a student to have an appeal denied and also not be entitled to a refund of charges if the student chooses to withdraw from classes. A student who enrolls and attends class whose appeal is subsequently denied will be eligible for a refund of charges based solely on the refund policy in the in the SJC Catalog.

A student suspended for reasons other than exceeding the maximum number of hours for degree completion who does not appeal, or whose appeal is denied, may be reinstated on a probationary basis by meeting both of the following criteria:

1. Achieve the required cumulative Graduation/Retention GPA or the required Semester GPA (Undergraduate = 2.00; Graduate = 3.00); and,
2. Successfully complete 75% of the total cumulative hours attempted or 75% of the hours attempted for that semester.

A student may regain eligibility by attending SJC for the academic year without the benefit of federal financial aid and meeting the SAP eligibility criteria. A student may also regain eligibility by transferring work into SJC from an accredited institution. Transfer work must be reflected on the SJC transcript to be considered for purposes of federal financial aid eligibility.

Withdrawal From the College (Return of Title IV Funds)

Federal financial aid is awarded to a student under the assumption that the student will attend school for the entire period for which the aid is awarded. When a student withdraws from the college, he or she may no longer be eligible for the full amount of federal aid originally awarded. If a federal financial aid recipient withdraws after beginning attendance, and before the 60% point in the term, the amount of federal grant and/or loan assistance earned by the student must be determined. If the amount disbursed to the student is greater than the amount the student earned, unearned funds must be returned. If the amount disbursed to the student is less than the amount the student earned, and for which the student is otherwise eligible, the student may be entitled to a post-withdrawal disbursement.

Federal Pell Grant

Federal Pell Grants are awarded to students with financial need, who have not received their first Bachelor’s degree. The federal government determines need and eligibility using the data submitted on the FAFSA. For the 2010-11 award year, the maximum Pell award is $5550. The maximum amount can change each year depending on program funding levels. The exact amount a student will qualify for depends on the Expected Family Contribution (EFC) calculated from data on the FAFSA, cost of attendance at a particular school, the student’s enrollment status and a student’s plans to attend school for a full academic year or less.

Federal Supplemental Educational Opportunity Grant (FSEOG)

Federal Supplemental Educational Opportunity Grants are awarded to undergraduates with exceptional financial need. Awards at SJC range from $500 to $1,000 per year, and priority will be given to Pell eligible students with the lowest Expected Family Contributions.

Federal Work-Study Program

Federal Work-Study Program provides part-time employment for undergraduate students with financial need, allowing them to earn money to help cover educational expenses. Job placement is through the Office of Financial Aid and students receive a monthly paycheck for work performed.

Federal Perkins Loan

Federal Perkins Loans are a low interest (5%) loan for students with exceptional financial need. At SJC, Perkins Loans are available to full-time, Pell eligible undergraduate students. Awards are subject to availability.

Federal Stafford Loans

Federal Stafford Loans are awarded to undergraduate and graduate students who are enrolled at least half time in an approved program of study. Federal Stafford Loans are either Subsidized or Unsubsidized. Subsidized loans are awarded on the basis of financial need, and the government pays the interest on subsidized loans while a student is school, in a grace period, or in deferment. Unsubsidized loans are not based on financial need and a student is responsible for the interest from the time the loan is disbursed. A student can either pay the interest or allow it to accumulate and be capitalized. Capitalizing interest will increase the amount that a student must repay. Stafford Loans have annual and aggregate loan limits based on grade level, dependency status and level of study.

Federal Parent Loans for Undergraduate Students (PLUS Loan)

Parents may borrow a PLUS Loan for a dependent undergraduate student enrolled at least half time in an approved program of study. Parents must be credit approved to receive a PLUS Loan. The annual limit is the Cost of Attendance minus any other aid that a student is receiving.

New York State Financial Aid Programs

For additional information on any New York State Programs, including questions of eligibility, please contact New York State Higher Education Services Corporation (NYSHESC) at (888) NYS-HESC or visit their website at www.hesc.org.

Tuition Assistance Program (TAP)

Full-time students in an approved program of study who meet New York State residency requirements may be eligible for up to $5,000 per academic year. Effective for the 2007-08 academic year and thereafter, TAP is available to students on a part-time basis. To be eligible for Part-Time TAP, a student must have been a first time freshman in the 2006-07 academic year or thereafter, and must have earned 12 credits or more in each of two consecutive semesters. To be eligible for TAP students must also be a U.S. citizen or eligible non-citizen, be a legal resident of New York State, be in good academic standing, not be in default on a student loan made under a NYS or federal loan program and meet income eligibility requirements.

Aid for Part-Time Study (APTS)

Part-time students in an approved program of study who meet New York State residency requirements may be eligible for up to $2,000 per academic year. Awards cannot exceed tuition.

Additional Programs

In addition to TAP and APTS, NYSHESC administers a variety of additional programs. Some examples of other programs are:

• Flight 3407 Memorial Scholarship
• Flight 587 Memorial Scholarship
• NYS Scholarships for Academic Excellence
• Military Service Recognition Scholarship
• World Trade Center Memorial Scholarship

For information on any of the programs administered by NYSHESC, please call (888) NYS-HESC or visit www.hesc.org.

Satisfactory Academic Progress Requirements for New York State Aid Recipients

In order to receive TAP payments a student must be meeting the standards of academic progress set by the New York State Education Department, which consist of two components:

1. Satisfactory Academic Progress: A requirement that a student accumulates a specified number of credits and achieves a specified cumulative grade point average each term. Please refer to the chart below.
2. Pursuit of Program: A requirement that a student completes a certain percentage of credits attempted each term. The percentage, as specified in regulations, begins at 50% of the minimum full-time course load in each term of the first year an award is received, to 75% in each term of the second year an award is received, to 100% in each term of the third year an award is received and thereafter.

In accordance with section 145-2.2 of the Regulations of the Commissioner of Education, each institution participating in State student financial aid programs must determine whether a student is in good academic standing based on a standard of satisfactory academic progress comprising a minimum number of credits to be accrued (earned) with a minimum cumulative grade point average in each term an award payment is received. The progress standard is most clearly presented in chart format (see below).

Initially, the regulation provided that each institution establish and submit for the Commissioner’s approval its proposed standard of progress. However, for the 1995-96 academic year and thereafter, new legislation mandated a minimum cumulative C average after a student has received four full-time semester award payments or the equivalent (24 payment points).

Effective for the 2010-11 academic year and thereafter, New York State Education Law requires a non-remedial student, whose first award year is in 2010-11 and thereafter, must meet new standards of satisfactory academic progress (SAP). Non-remedial students whose first year is 2007-08 through 2009-10 must meet the SAP requirements enacted in 2006. Those meeting the definition of “remedial student” are not subject to the new SAP standards, but will use the requirements established in 2006. The law enacted in 2006 mandated minimum standards of satisfactory academic progress for students receiving their first State award in academic year 2006-07.

Effective 2010-11 for non-remedial students receiving first NYS award payment in 2010-11 and thereafter. Remedial students and students enrolled in an approved certificate program will use the 2006 SAP charts.

Undergraduate Level Semester Programs
Calendar: Semester 2010-11 and thereafter (non-remedial students)

Note: The 2010-11 enacted NYS budget mandates the following standards of progress, enacted in 2006-07, shall be used for non-remedial students who first receive State aid in 2007-08 through 2009-10 and for students who meet the definition of “remedial student” in 2010-11 and thereafter. The enacted budget defines remedial for purposes of SAP.

Undergraduate Level Semester Programs
Calendar: Semester Calendar 2006-07, 2007-08 through 2009-10 and 2010-11 and thereafter remedial students (if student’s first award was in 2010-11 and thereafter, and he/she does not meet the definition of a remedial student, see charts for non-remedial students)

Students must meet both the program pursuit requirements and the satisfactory academic progress requirements in each term of payment in order to continue to be eligible. In extraordinary circumstances, a student may be granted a waiver of the minimum requirements. Students are eligible for a waiver only once during their undergraduate career and once during their graduate career. For information about the process of filing a waiver, please contact the Office of the Registrar.

Individuals with Disabilities

Students who are medically diagnosed with a physical, developmental or emotional disability may be eligible for a grant that would help cover tuition, fees and the cost of books. Please contact the Office of Vocational and Educational Services for Individuals with Disabilities (VESID) for more information, or visit their website at www.vesid.nysed.gov.

St. Joseph’s College Undergraduate Financial Aid Programs

Criteria for scholarship eligibility and application procedures are available on request. Eligibility for scholarships is based on a combination of factors: GPA, SAT/ACT scores, NYS Regents (if applicable), rank in class and contributions to school and community through activities and service. Some scholarships and grants are based on need as established from the results of the submission of a FAFSA.

Board of Trustees Scholarship

Entering freshmen with an outstanding record of academic achievement will be considered for this four-year full-tuition award.

Blanche A. Knauth Scholarship

Entering freshman female students who demonstrate outstanding academic promise and financial need will be considered for this full-tuition award.

Sister George Aquin O’Connor Scholarship

Any entering freshman student with an outstanding academic record will be considered for this full-tuition award.

Presidential Scholarship

Entering freshman students with outstanding academic achievements on the SATs will be considered for these full-tuition awards. A minimum high school average of 94 and a minimum combined critical reading and math SAT score of 1200 will be considered.

Dean’s Scholarship

Entering freshman students with a minimum high school average of 92 and a minimum combined critical reading and math SAT score of 1150 or higher will be considered for this $12,000 award.

Scholastic Achievement Award

Entering freshman students with a minimum high school average of 87 and a minimum combined critical reading and math SAT of 1080 will be considered. These four year awards range from $7,000-$9,000 per year depending on academic qualifications.

Academic Achievement Scholarship

Entering transfer students with a minimum 3.0 cumulative GPA will be considered for this award. Scholarships range from $5,000-$8,000 per year depending on academic qualifications.

Phi Theta Kappa Scholarship

Entering transfer students who hold membership in Phi theta Kappa at their two-year college will be considered. A minimum cumulative GPA of 3.5 and at least 24 transferable college credits are required to be considered for this $1,000 per year award.

Incentive Grant

Entering freshmen will be considered for a grant in the amount of $5,000 per year if they meet all admissions requirements and achieve a minimum high school average of 86 and a minimum combined critical reading and math SAT score of 1050. Amount of award depends on academic qualifications.

Alumni Grant

Entering students who are sons and daughters of SJC alumni are considered for this award. If funding permits, other relatives of alumni may be considered. The amount of this grant varies and is determined and awarded on a yearly basis. An application is required and must be submitted to the Director of Alumni Relations. A separate application, available at www.sjcny.edu, must be submitted each year by March 1. Alumni grants are determined by the Alumni Association Scholarship Committee.

Two in Family Grant

If two or more siblings of a family are enrolled as full-time undergraduate students at SJC, a $500 per year grant will be awarded to the eldest student. If twins or spouses are enrolled as full-time undergraduate students, they will each be awarded $250 per year. If a parent and a child are enrolled as full-time undergraduate students, the parent will be awarded the $500 grant.

Other SJC Grants

Grants are determined on the basis of financial need, academic promise, special interests and availability of funds.

St. Joseph’s College Graduate Financial Aid Programs

Alumni Graduate Academic Excellence Award

St. Joseph’s College graduates who completed their bachelor’s degree with a final cumulative GPA of 3.4 or higher, and who are admitted to a Graduate Program at St. Joseph’s College may be eligible for the one-credit SJC Alumni Graduate Academic Excellence Award. Eligible students are entitled to a one-credit tuition grant in the first fall semester of matriculation as a graduate student. Consult the Office of Admissions for applicable conditions and procedures.

Graduate Alumni Tuition Grant

Students who earned their bachelor’s degree from St. Joseph’s College and who are enrolled in a Graduate Program at St. Joseph’s College may be eligible to receive a three or six credit tuition grant. Students eligible for a six-credit grant are entitled to a three-credit grant in the fall semester and a three-credit grant in the spring semester of their last year. If students are eligible for a three-credit grant, the grant will be awarded in the last semester (excluding summer). Consult the Office of Admissions for applicable conditions and procedures.

Save Time Save Money

Undergraduate students who are accepted into the Graduate Management Studies program can get a head start on an SJC graduate management degree—MBA, MBA in Accounting, MBA in Health Care Management or MS in Management (with concentrations in Organizational Management or Health Care Management or Human Resources Management) by taking graduate courses that would satisfy their undergraduate and graduate degree requirements at the same time. The maximum number of SJC graduate credits that can be taken is six. These graduate credits are billed at the undergraduate tuition rate. This opportunity is restricted to seniors who have met certain requirements. Additional information can be obtained from an academic advisor.

Veterans Information

Veterans and Children of Deceased Veterans

St. Joseph’s College is fully approved by the New York State Education Department as well as other agencies for college level education programs for veterans under federal and state laws. For more information on these programs, please visit the Department of Veterans Affairs website at www.va.gov.