Admissions and Finances (Undergraduate - Brooklyn 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 send an 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

All applications are evaluated on an individual basis. Successful applications will typically have earned:

• A high school diploma or equivalent
• A Regents diploma for NY State residents
• Satisfactory scores on either the SAT or ACT exam
• A strong academic program that includes
  * 4 units of English
  * 3 units of Mathematics
  * 4 units of Social Studies
  * 2 units of a Foreign Language
  * 3 units of Science
  * 2 elective units

Mathematics Requirement

While three years of college preparatory mathematics are required for admission, four years of college preparatory mathematics are suggested for those who plan to major in mathematics, computer information systems, chemistry, biology, business administration, and for premedical students.

Admissions Decisions

Students will receive an admissions decision approximately one month of receipt of all credentials.

Early Admission Plan

This plan is designed for students of high academic standing with a social maturity beyond their grade level. The Admissions Council 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

In most cases, every candidate for admission to the freshman class must take the SAT Reasoning Test administered by the College Entrance Examination Board. Requests for the bulletin of information and application forms should be addressed to:

College Board ATP
CN 6200
Princeton, New Jersey 08541-6200
(609) 771-7600

The scores on the SAT will be forwarded to the colleges listed on the candidate’s application. St. Joseph’s requires official scores. Our codes are as follows:

SAT - 2802
ACT - 2890

PLEASE CONSULT THE COLLEGE OFFICE AT YOUR HIGH SCHOOL FOR SAT OR ACT TEST DATES, OR CALL THE ADMISSIONS OFFICE AT (718) 940-5800.

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 seeking admission should file their applications several months in advance of the anticipated matriculation date. Application deadline for Fall admission is March 1; for Spring admission, September 1. A fee of U.S. $25.00 must accompany the application form. Students must submit official school records and scores on either the Test of English as a Foreign Language (TOEFL) or the Scholastic Assessment Test (SAT). Applicants must have a minimum TOEFL score of 550 (paper-based), 79-80 (Internet-based), or 213 (computer-based) to be considered for admission. The TOEFL and SAT information bulletins and registration forms are available in areas outside of the United States.

A notarized affidavit of financial responsibility must be submitted at the time of acceptance. Admission to St. Joseph’s College is contingent upon the acquisition of a valid student visa (F-1) from the United States Department of Immigration and Naturalization Service.

Conditional Program Acceptance/College Enrichment Program

Students who exhibit college potential but do not meet general admissions standards, are accepted on a “conditional” basis. They are enrolled for five courses, one of which is a special section of SJC 100 . With the support of this course and with the help of a faculty advisor, 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 one week of notification. For acceptance deposit, see Statement of Costs.

Pre-Registration, Programming, and Placement

Students are notified in advance of the pre-registration conference dates for the Fall and Spring semesters. During the pre-registration period for September (Fall) entrants, which is usually scheduled in May, the Chairpersons of 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 pre-registration period, are advised by the Admissions Office of alternate registration dates. Transfer students have individual program conferences with the Transfer Counselor and Department Chairperson.

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 Chairpersons in whose field the advanced study has been done.

At pre-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 Registrar or the Dean.
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 three 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 certain transfer programs 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 Counselor for Transfer Students 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.

Applicants for Scholarships and Awards

High School Seniors: For scholarship consideration, the College requires that all forms (SJC application, high school transcript, and SAT results) be received by the Admissions Office before March 15 for the Fall semester and January 1 for the Spring semester.

Scholarships and Grants

St Joseph’s College has an extensive Scholarship and Grant Program. Criteria for scholarship eligibility are determined by the college’s scholarship committee and are reviewed each year. A list of scholarships may be found on pages 29-30.

Eligibility for a scholarship or grant is based on a combination of factors including GPA, SAT scores, high school achievements, rank in class, letters of recommendation and personal statements.

Transfer Students are also eligible for Academic Achievement Scholarships. A minimum GPA of 3.0 is required for consideration.

Transfer Applicants for Scholarships and Awards

The College requires that all forms (SJC application and transcript(s)) be received before August 1 for the Fall semester and January 1 for the Spring semester.

Statement of Costs 2014-2015

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

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

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

Special Fees

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 the 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 $22,200 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 $720 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 $720 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 $716.00 and for the Spring semester it is $941.00. For those students entering the College in the Spring semester the fee will be $1,060.00 (subject to change).

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 not refundable. In the absence of written notification, the date of withdrawal is determined by the Dean.

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

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. The 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, Brooklyn NY as a recipient. The student will be asked to enter St. Joseph’s federal school code, which is 002825 for the Brooklyn 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 students should indicate code #0755.

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 2014-15 Student Expenses

Federal Financial Aid Programs 

To receive federal student aid, a student must: 1)  have a high school diploma or a General Educational Development (GED) certificate, or complete a high school education in a homeschool setting approved under state law; 2)  be enrolled or accepted as a regular student in an eligible degree or certificate program; 3) be a U.S. citizen, U.S. National, or eligible non-citizen; 4) have a valid Social Security Number (unless you are from the Republic of the Marshall Islands, Federated States of Micronesia, or the Republic of Palau); 5) be registered with Selective Service if you are male (you must register between the ages of 18 and 25); 6) maintain satisfactory academic progress in college; 7) sign certifying statements on the FAFSA stating that you are not in default on a federal student loan and do not owe a refund on a federal 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 warning for the following semester of enrollment at SJC. A student may receive financial aid while on warning.  At the end of the warning 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

Pell grants are available to matriculated, undergraduate students who have not already earned a bachelor’s degree.  Eligibility is based on Expected Family Contribution (EFC) from the FAFSA application and the student’s enrollment status.  Award amounts for the 2014-15 academic year range from $585 to $5730 annually.  The amount of pell grant funds a student may receive over the course of his/her education is limited by a federal law to be the equivalent of six full time years of funding.

Federal Supplemental Educational Opportunity Grant (FSEOG)

FSEOG is available to eligible undergraduate students who demonstrate exceptional financial need.  At SJC, a student must be pell eligible and have a 0 Expected Family Contribution (EFC) to be considered.  Annual award amounts at SJC for the 2014-15 academic year range from $350 to $700 due to limited funding.  FSEOG is awarded on a first-come, first-served basis.

Federal Work-Study Program

The Federal Work-Study (FWS) Program is offered through the federal campus-based aid program and provides employment opportunities to eligible students.  Actual award amounts are based on the student’s financial need, pay-rate, amount of contracted hours and funding availability.  FWS funds at SJC are received in the form of a monthly paycheck for hour worked.  FWS funds are limited and positions are filled on a first-come, first-served basis.  An offer of FWS on an award letter does not guarantee position availability.  Please contact the Office of Financial Aid for job availability and more information.

Federal Perkins Loan

Perkins loans are awarded to matriculated students with exceptional financial need.  Award amounts depend on student’s financial need and funding availability.  Perkins funds are limited and are awarded on a first-come, first-served basis.  The loan features a 5% fixed interest rate which does not begin to accrue until the student enters repayment.  Repayment begins 9 months after a student graduates or ceases to be enrolled at least half time.  After acceptance of a Perkins loan, the Office of Financial Aid will contact the student to complete a promissory note and other required documentation.

Federal Direct Subsidized Stafford Loans

Direct Subsidized Loans are available to eligible undergraduate students who are enrolled at least half time (6 credits per semester).  Students must have financial need to qualify.  No interest accrues on this loan while the student is enrolled for at least 6 credits per semester.  As of July 1, 2012 Direct Subsidized Loans issued during 2012-13 and thereafter will begin accruing interest during the 6 month grace period after the student ceases to be enrolled half time.  Repayment begins 6 months after the student ceases to be enrolled half time.  Direct Subsidized Loans have annual limits based on grade level, and aggregate lifetime limits.  First time borrowers will be required to complete a Master Promissory Note (MPN) and entrance counseling session.
If you are a first time borrower on or after July 1, 2013, there is a limit on the maximum period of time (measured in academic years) that you can receive subsidized loans.  If the time limit applies to you, you may not receive subsidized loans for more than 150 percent of the published length of the program.

Federal Direct Unsubsidized Stafford Loans

Direct Unsubsidized Loans are available to eligible undergraduate and graduate students who are enrolled at least half time (6 credits per semester).  Financial need is not a requirement.  Interest begins accruing when the loan is disbursed.  Repayment begins 6 months after the student ceases to be enrolled at least half time.  Direct Unsubsidized Loans have annual limits, and aggregate lifetime limits.  First time borrowers will be required to complete a Master Promissory Note (MPN) and entrance counseling session.

Federal Direct Parent PLUS Loan

Direct PLUS Loans are a credit-based loan available to the parents of dependent, undergraduate students who are enrolled at least half time (6 credits per semester).   The annual loan limit is the student’s cost of attendance minus any other financial aid.  The parent who wishes to borrow will need to complete a credit check and a Master Promissory Note (MPN).

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,  must have earned 12 credits or more in each of two consecutive semesters and maintain a “C” average. 

To be eligible for TAP a student must:  be a U.S. citizen or eligible non-citizen; be a legal resident of New York State; have graduated from a high school in the United States, earned a GED, or passed a federally approved “Ability to Benefit” test as defined by the Commissioner of the State Education Department; be enrolled as a full time student taking 12 or more credits (applicable toward the degree program) per  semester; be matriculated in an approved program of study and be in good academic standing; have declared a major no later than within 30 days from the end of the add/drop period in the first term of the student’s junior year; not be in default on any state or federal student loan or on any repayment of state awards; and meet income eligibility requirements.  The award amount is determined by the year in which first payment of any state award is received, amount of tuition charges, combined family NYS net taxable income including federal, state or local pension income and private pension and annuity pension income if applicable, financial status and other family members enrolled in college.

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.

To be considered for an APTS award a student must: be a U.S. citizen or eligible non-citizen, be a legal resident of New York State; have graduated from a high school in the United States, earned a GED, or passed a federally approved “Ability to Benefit” test as defined by the Commissioner of the State Education Department; be enrolled as a part time student taking at least 3 but fewer than 12 credits per semester; be in good academic standing, not have exhausted TAP eligibility; not be in default on any federal or state student loan or on any repayment of state awards; and meet income eligibility requirements.

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

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.  The following eligibility requirements are effective for students enrolling fall 2014.

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

Sister George Aquin O’Connor Scholarship

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

Presidential Scholarship

Entering freshmen with a  minimum 94 unweighted high school grade point average and a combined 1200 critical reading and math SAT are considered for this four year, full tuition award.

Provost Scholarship

Entering freshmen with a minimum 92 unweighted high school grade point average and a combined 1150 critical reading and math SAT are considered for this four year scholarship of $15,000 per year.

Dean’s Scholarship

Entering freshmen with a minimum 90 unweighted high school grade point average and a combined 1100 critical reading and math SAT are considered for this four year scholarship of $13,000 per year.

Scholastic Achievement Award

Entering freshmen students with a minimum 85 unweighted high school grade point average and a combined 1000 critical reading and math SAT will be considered.  These four year awards range from $6,000-$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.

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