Affording
2012-2013 ADULT UNDERGRADUATE FINANCIAL AID GUIDE
The Investment of a Lifetime
Note: Information subject to change. Refer to our Web site for updated information regarding
institutional, state, and federal student aid programs.
Dear Student,
Thank you for your interest in Marist
College. Finding the best way to finance
a college education is a matter of great
concern for all students. At Marist,
providing financial aid assistance is a
priority. The College is committed to
making a Marist education available to
all qualified students by assisting them in
meeting their educational expenses.
Marist College offers payment plans and
financing options to enable you to more
comfortably manage college costs. This
guide discusses the various aid programs
and student financial services offered by the College, explains the process by which you
apply for financial aid, and reviews the types of aid available for adult students.
The Free Application for Federal Student Aid (FAFSA) is required for financial aid
consideration. Complete details on the aid application process can be found on page 10.
On behalf of the Office of Student Financial Services, we look forward to working with
you to make Marist an affordable option.
Sincerely,
Joseph R. Weglarz
Executive Director, Student Financial Services
Helpful Web Site Addresses
www.marist.edu/sfs
Marist College Office of Student Financial Services
www.marist.edu/currentstudents
Student Financial Services
www.marist.edu/adult
Marist College Office of Graduate & Adult Enrollment
www.facebook.com/maristcollegesfs Marist College Student Financial Services Facebook Page
www.studentaid.ed.gov
Federal Student Aid Programs
www.fafsa.gov
Free Application for Federal Student Aid (FAFSA)
www.hesc.com
New York State TAP (Tuition Assistance Program)
www.irs.gov
Hope and Lifetime Learning Tax Credits
www.irs.gov/pub/irs-pdf/p970.pdf The American Opportunity Tax Credit and Lifetime
Learning Tax Credits
Value
The
of an Education
A graduate education is an investment that
requires patience, planning, and perhaps
some sacrifice; but it is an investment that
will reward you with a lifetime of intelligent
living, responsible citizenship, and a higher
standard of opportunity for career and
social success.
Individuals with a graduate education have
better job opportunities, earn more money,
and develop skills and knowledge that are
in high demand.
A Marist education unlocks doors to
economic and career opportunities. Marist
College has developed extensive research
partnerships with leaders in today’s science,
information technology, and business
industries. This means you’ll have the
opportunity to work hands-on with some
of the most advanced technologies and
applications in the world, and be introduced
to the companies and people who are
making their mark on today’s workplace.
Marist offers graduate programs designed
with professionals in mind that build
skills, increase earning potential, and
strengthen your marketability. Marist
College has a longstanding commitment
to providing educational opportunities that
accommodate the unique needs of working
professionals including schedules, flexibility,
online and on-campus delivery as well as
various locations.
Students must carefully consider the
commitment it demands, but a Marist
College education is the investment of a
lifetime.
Median Annual Income by Education Level
Doctoral Degree
Professional Degree
Master's Degree
Bachelor's Degree
Associate's Degree
Some College, No Degree
High School Graduate
Not a High School Graduate
$0
$20,000
$40,000
$60,000
$80,000
Sources: Bureau of Labor Statistics, 2010, Current Population Survey.
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The
Marist
Degree
Marist takes great pride in the quality of its
academic programs and is equally proud of the
value-oriented educational environment that
supplements the formal classroom experience.
The Marist College degree is increasingly
recognized throughout the country and the
world, with good reason. The academic
profile of the student body is one of the most
competitive in higher education. Students
applying for graduate and professional schools
are accepted at high rates and continue their
education at some of our country’s finest
schools. The employment rate, starting salaries,
level of community service, leadership roles,
and long list of successful careers enjoyed
by the majority of Marist’s alumni all provide
evidence of the value of the Marist degree.
• The Princeton Review named Marist one of
the best 376 colleges in the country, and
the School of Management one of the top
300 business schools in the world.
• Forbes and The Princeton Review call Marist
one of the “25 most connected campuses” in
America.
• U.S. News & World Report consistently
places Marist in its top tier.
• Kiplinger's Personal Finance Magazine and
Barron’s call Marist "one of the nation’s best
buys in college education."
• Yahoo! Internet Life magazine selected Marist
for its list of the "100 most wired campuses in
the nation."
• The John Templeton Foundation placed
Marist on its "elite honor roll" of only 100
academic institutions noted for teaching and
promoting character development.
• The Institute of International Education’s
annual report (Open Doors, 2010) lists
Marist College 15th in the nation among
master’s degree-granting colleges for the
percentage of students who study abroad.
Located in the heart of the historic Hudson River Valley ...
5
... with a branch campus in Florence, Italy!
Financial Aid
Programs
Financing is a major concern for many people, but there are several options available. In
addition to traditional sources, including personal income, savings, and family/employer
assistance, programs are available to assist both full- and part-time students in meeting the
cost of their education. For eligibility, students must be matriculated in a program at Marist
College and maintain satisfactory academic progress each semester. For information on the
Satisfactory Academic Progress Policy, please refer to www.marist.edu/financialaid/pdfs/
satacadprog.pdf.
Marist College also awards assistance based on demonstrated financial need. To apply
for need-based financial assistance, full-time and part-time students must complete the
FAFSA. The Marist College preferred deadline for FAFSA completion is May 15 for returning
graduate students, August 15 for new fall students, and January 15 for new spring students.
Annual renewal of financial aid requires completion of the FAFSA, satisfactory academic
progress, and a completed registration. Students can access their financial aid information
online at my.marist.edu.
FEDERAL GRANTS
Federal Pell Grant
The Federal Pell Grant program provides financial
assistance to students otherwise unable to afford
an undergraduate education. Pell grants provide
a foundation of financial aid to which other aid
may be added. To find out if you qualify for this
grant, the Free Application for Federal Student
Aid (FAFSA) must be filed.
TEACH Grant Program
The Teacher Education Assistance for College
and Higher Education (TEACH) Grant Program
provides grants of up to $4,000 per year to
students who intend to teach in a public or private
elementary or secondary school that serves
students from low-income families. In exchange
for receiving a TEACH Grant, you must agree to
serve as a full-time teacher in a high-need field
in a public or private elementary or secondary
school that serves low-income students. If you
do not complete the required teaching service
obligation, TEACH Grant funds you receive will
be converted to a Federal Direct Unsubsidized
Stafford Loan that you must repay, with interest
charged from the date of each TEACH Grant
disbursement. If you are interested in learning
more about the TEACH Grant Program, visit
http://studentaid.ed.gov.
STATE GRANTS
New York State Tuition Assistance
Grant (TAP)
New York Residents Only
The TAP Grant is awarded to eligible New
York residents with financial need. The amount
awarded ranges from $500 to $5,000 per
year. You don’t have to apply for it if you
file the FAFSA—your FAFSA information is
automatically used to determine eligibility for
TAP. Please refer to www.hesc.org for more
information.
Aid for Part-Time Study
Program (APTS)
New York State Residents Only
If you are a New York State resident (for at
least the past 12 months) you may be eligible
for this state grant. You must be matriculated
and take at least 3 credits and no more
than 11 credits per semester. APTS is a grant
awarded at the discretion of Marist College
in conjunction with state guidelines and does
not have to be paid back. For additional
information, visit our Web site
www.marist.edu/sfs.
Award amounts range from $250 to $1,000
per semester. Maximum New York State limit
is $2,000 for the fall and spring semesters.
Awards are determined by the Office of
Student Financial Services. Students can
download the APTS application online and
return the completed application along with a
copy of their NYS tax returns (and a parent tax
return, if dependent) to the Office of Student
Financial Services for processing. Application
deadline for the fall semester is September
15th and the spring semester deadline is
January 30th. A student must apply every year.
MARIST SCHOLARSHIPS
Adult Learner Scholarship
The Adult Learner Scholarship may be awarded
annually to full-time matriculated adult
students enrolled at Marist’s Poughkeepsie
campus. The Adult Learner Scholarship may
also be awarded to part-time matriculated
students taking 6-11credits. Students achieving
a cumulative GPA of 2.5-2.99 at their prior
institution with a minimum of 60 credits
completed may be eligible upon admission to
Marist.
Marist Scholarship for
Academic Excellence
The Marist Scholarship for Academic
Excellence is awarded to full-time
matriculated, adult students enrolled at
Marist’s Poughkeepsie campus. Students must
have achieved a cumulative GPA of 3.0 or
higher at their prior institution and must have
completed 60 credits, or have a two-year
degree and a GPA of 2.85 or higher. Students
must maintain a minimum cumulative GPA of
2.85 to retain eligibility for this scholarship.
Scholarships are awarded upon acceptance to
an undergraduate program.
Marist Endowed Scholarships
Marist full-time, continuing adult students
at the Poughkeepsie campus may apply for
endowed scholarships. To apply online go to
www.marist.edu/sfs/endowadultgrad
Anthony J. Kondysar Memorial
Scholarship for Adult Students
Named in honor of one of Marist’s most
loyal graduates, an adult student, and a
well-respected businessman in his industry
and community, the Anthony J. Kondysar
Memorial Scholarship for Adult Students is
awarded to adult undergraduates who share
Tony Kondysar’s determination to achieve
a bachelor’s degree, but need financial
assistance to complete their education.
Each year, the College offices responsible
for admitting and administering financial
aid to adult undergraduates will confer as
to the priority for making awards in a given
year. Currently, priority is given to students
entering Marist’s Organizational Leadership
and Communication (OLC) program and
Social Work Cohort who have a minimum
of 60 credits. The Kondysar Scholarships
are offered through the Office of Graduate
and Adult Enrollment. Candidates must
have documented financial need and should
submit an application and include in the
accompanying essay a statement about their
goals. The scholarship may be renewed,
as long as a recipient continues to meet
the criteria and remains in good academic
standing for the duration of the OLC program
and Social Work Cohort.
Harold and Anne Miller
Scholarships for Adult Students
Named for lifelong Poughkeepsie residents
with a deep commitment to helping adults
improve their lives through education, The
Harold and Anne Miller Scholarships are
awarded to students enrolled in Marist's adult
undergraduate program, who have completed
a minimum of 60 credits including at least
two semesters of work at Marist toward their
bachelor’s degree. Preference is given to
full-time students, with eligibility of up to
four semesters of aid. The scholarships are
awarded upon the recommendation of the
School of Global and Professional Programs
and are based on the student's financial
need, academic achievement, and completed
application.
Marguerite Feinstein Memorial
Scholarships for Adult Students
Established in memory of Marguerite Feinstein,
a labor union leader in the State of New York
who earned her undergraduate and graduate
degrees from Marist College, the Marguerite
Feinstein Memorial Scholarship provides
assistance to a working mother enrolled as
an adult undergraduate student. Financial
need is a criterion, and this one-time award is
made by recommendation of Student Financial
Services after review of application.
The Martin S. Burgess Business
Scholarship for Adult Students
Established with gifts made in memory of
Martin Burgess ’74, an IBMer who attended
Marist College as an adult student, this
scholarship assists adult students who are
highly motivated to achieve their college
degrees, have completed at least 60 credits
toward their bachelor’s in business or the OLC
degree, and are working full-time or part-time.
The scholarship is intended to lessen financial
obstacles for recipients and inspire them to
achieve their educational goals. Candidates
will be identified by the Dean of Graduate and
Adult Enrollment.
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Tompkins Family Scholarship for
Part-Time Adult Women
The Tompkins Family Scholarship is generously
funded by a family with roots in Dutchess
County and a long association with Marist
College. Initially envisioned by Kimberly T.
Tompkins ‘01, an adult student who also
earned a Master of Public Administration from
Marist, the scholarship reflects the Tompkins
Family’s strong belief in education and its
capacity to transform lives. The scholarship
provides tuition assistance to non-traditional
age women students currently pursuing their
bachelor's degrees at Marist on a part-time
basis (at least six credits per semester) and
facing significant financial challenges in
completing their education. Application
must be made to the Office of Student
Financial Services. The School of Global
and Professional Programs participates in
the review of candidates; limited renewal is
possible.
PRIVATE SCHOLARSHIPS
Web sites for private scholarship searches
are found on the Internet. Many of these sites
offer legitimate, free search opportunities for
students seeking additional financial resources
to meet their educational costs. We support
student use of these services; however, there
are a few items you should be aware of when
completing private scholarship searches:
1. The private scholarship will never replace
the opportunities a student receives by
completing the regular financial aid
application process in a timely manner.
2. Outside scholarships may affect other
types of financial aid, due to various
program requirements and private donor
specifications. If a private scholarship is
received, contact the Office of Student
Financial Services as early as possible to
help maximize what is received from all
sources.
The Marist College Office of Student Financial
Services Web page (www.marist.edu/
financialaid/adult/resources.html)
has links to various scholarship search pages.
VETERANS AND MILITARY
PERSONNEL
Students who have served or are serving in
the U.S. Armed Forces may have additional
sources of aid. In addition to being named
by G.I. Jobs magazine as a "Military Friendly
School," Marist College participates in the
Yellow Ribbon Component of the Post-9/11 GI
Bill. Qualified students can use any Chapter
of the Montgomery GI Bill, military tuition
assistance, and New York State Veteran
Tuition Award to pursue a degree at Marist.
Furthermore, Active Duty and Reserve service
members and their adult undergraduate
dependents admitted through the Office of
Graduate & Adult Enrollment receive a 25%
discount on tuition for most Marist programs.
Veteran or military students, please contact the
Dean of Graduate and Adult Enrollment at
888.877.7900.
ROTC Scholarships
The Army ROTC and Marist College offer
financial assistance to qualified students.
Scholarships range from $2,000 to full tuition,
room, board, and fees (including books and
uniform). A monthly stipend may also be
awarded. Students incur a service obligation
(generally for a total of eight years) in return
for a four-year scholarship (some three-, two-,
and even one-year scholarships are available).
For further information, please contact the
Army ROTC Department at Marist College at
845.575.3000, extension 2814, or www.
marist.edu/studentlife/rotc.html.
ADDITIONAL SOURCES OF AID
Tuition Employer Deferment
Students eligible for tuition deferment from
their employers may, with the appropriate
documentation, defer payment until after the
conclusion of the semester. Students must
supply the Office of Student Financial Services
with documentation from their employers
verifying deferment eligibility. Students have the
option of full tuition deferment if the employer
is covering the total balance. Any charge not
covered by the employer must be paid by the
student. Applications are required
each semester.
Marist Student
Employment Program
College student employment is funded
through Marist College’s Campus Employment
Program. There are opportunities for
employment with various academic and
administrative offices within the College.
Students are not allowed to work more than 20
hours per week during the regular academic
term and 40 hours per week during vacation
periods. Visit our Web site:
www.marist.edu/sfs/studentemployment
for additional information regarding student
employment.
Organizational Discounts
Marist College partners with certain
employers and organizations. Organizational
partnerships can be found on the application
for admission or by visiting www.
marist.edu/admission/graduate/
partnerships.html. Students with an
affiliation to one of Marist’s partners should
indicate so on the application at which point
they will be contacted about applicable
discounted programs.
Members of an organization that would
like to affiliate with Marist should contact
the Office of Graduate & Adult Enrollment
888.877.7900.
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Applying
for Financial Aid
1. FAFSA:
The first step to applying for financial aid is
to fill out the Free Application for Federal
Student Aid (FAFSA), which is available
online at www.fafsa.gov. Please
remember to use the Marist College school
code. To electronically sign the FAFSA, apply
online for a PIN at www.pin.ed.gov.
Marist College’s Federal School
Code is 002765
2. Student Aid Report:
Within several weeks, the student will
receive a Student Aid Report (SAR). The
SAR will give information regarding
eligibility for financial aid based on the
Expected Family Contribution and Cost
of Attendance. The SAR will also indicate
if there is any additional information that
needs to be submitted. If the Department
of Education selects the student for
verification, the student and spouse, if
applicable, must provide a signed copy
of their prior year tax returns and all
W-2s. A selected student is also required
to complete a Marist Application for
Financial Aid. The financial aid application
is available online at www.marist.edu/
currentstudents under the Student
Financial Services forms.
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3. Financial Aid Award and
Aid Eligibility:
The Office of Student Financial Services
will send an award notification to each
student based on his/her eligibility and
anticipated enrollment. Marist College
determines aid eligibility using the Federal
Needs Analysis System established by the
federal government. The formula that the
federal government uses to determine
eligibility is:
What is "Financial Need"?
College Cost
— Family Contribution (EFC)
= Financial Need
The Cost of Attendance consists of
educational expenses such as tuition,
fees, living expenses, books and supplies,
transportation, and other related expenses.
The Expected Family Contribution is the
amount that the government determines
the student can contribute toward their
education. This amount is determined with
a standard formula that uses the financial
information supplied by the student and
provided on the SAR.
4. MyMarist:
Please click the "Student Financial Services"
tab to review the "Financial Aid Award" and
"Financial Aid Requirements." The Student
Financial Services tab will also enable you
to manage your billing account.
Payment/Loan
Options
Federal Direct Stafford Loan
Federal Direct Stafford Loans (subsidized
and unsubsidized) are low-interest, longterm loans available for undergraduate
and graduate students enrolled in at
least 6 credits. Both subsidized and
unsubsidized Federal Direct Stafford Loans
have the same terms and conditions,
with one exception: unsubsidized loan
borrowers are responsible for interest that
accrues during all in-school, grace, and
deferment periods; for subsidized loans,
the federal government pays the interest
on behalf of the borrower. Additional
terms subject to revision by federal law,
include:
Fifth-Year Undergraduate Loan
Program – For Prerequisite
Undergraduate Classes
A student may apply for a Stafford Loan
for up to 12 months of course work
taken in a single consecutive 12-month
period if the school has documented that
the course work is necessary in order
for students to enroll in a graduate or
professional program. This category of
students may borrow at the fifth-year
undergraduate loan level, and the loan
limit is not prorated if the program is less
than an academic year.
• Interest Rate: Interest rates on new
student loans will be set at a fixed rate
of 6.8%.
• Processing Fee: A 1.0% origination fee.
• Repayment: Repayment of your
loan will begin 6 months after you
graduate, leave school, or drop
below half-time status. If you choose
to attend graduate school and enroll
at least half-time (6 credits), you may
defer the repayment of your loan.
A first-time borrower at Marist College who
is interested in applying for federal student
loans must complete the Direct Stafford
Master Promissory Note (MPN) and entrance
counseling. These documents may be
completed online via your MyMarist account or
at www.studentloans.gov.
Master Promissory Note (MPN) and
Entrance Counseling
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TUITION PAYSM MONTHLY
PAYMENT PLAN
The Tuition Pay Monthly Payment Plan,
administered by Sallie Mae, is a convenient
alternative to lump-sum semester payments.
Features:
•
•
•
•
•
10 monthly payments
No interest charges
Low cost: only a $45 annual application fee
No credit review
Payment by ACH or check
Easy to apply and renew
Both the first-time application and annual
renewal are fast, simple, and can be easily
completed online at
www.marist.edu/sfs.billing.html.
Any student at Marist College is eligible for
the Tuition Pay Monthly Payment Plan. Upon
receipt of your application and fee, Sallie
Mae will establish your account and notify
Marist College of your participation in
the plan.
Private Loan Programs
Alternative financing is available to assist
families with educational expenses, and
eligibility for alternative loans is not
based on need. However, Marist College
policy does not allow the certification of
any alternative loan for more than the
cost of attendance, minus any other aid.
Please also note that time is required to
obtain and review credit reports, obtain
enrollment certification from the College,
and for processing of the disbursements.
For additional information, please refer to
www.marist.edu/sfs/adult/loans.
html. Click on the Private Loans link.
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WHAT WILL THE MONTHLY
PAYMENT BE?
Did you know that $20,000 in loans can
be paid off in monthly installments as low
as $225? To see a loan payment schedule
and get an idea of monthly costs, go to
www.marist.edu/sfs/studentloan.
Tax Incentives for Education
Students should be aware that there are
federal education tax credits available.
The American Opportunity Credit provides
credit up to $2,500 for the first 4 years of
post secondary education. The Hope Tax
Credit provides credits of up to $1,500 per
year per student for the first two years of
college attendance. The Lifetime Learning
Credit provides a credit of up to $1,000
per year per student beyond the first two
years of college attendance. There are
income limits and limits based on the
actual amount of tuition and fees paid
to the College. Detailed information is
available from the IRS Web site:
www.irs.ustreas.gov, or from your
tax professional.
Students who have loans in repayment
may be able to deduct their student loan
interest from their income as well. Income
limitations apply, so students should
contact the IRS or their tax preparer to see
if they qualify.
Student Debt Management
If you have any concerns, we advise you
to speak with a financial aid counselor
regarding debt management. If you have
incurred significant debt, please speak
with us before you consider additional
borrowing. Loans may be your only choice,
but you should clearly understand the total
aggregate loan limitations and repayment
schedules. Call the Office of Student
Financial Services 845.575.3230 to
speak with a financial aid counselor.
STUDENT BILLING
The Office of Student Financial Services is the
department responsible for administering all
transactions related to a student’s financial account
at Marist College. Student Financial Services issues
billing statements and processes payments, credits,
refunds, and charges that students may incur during
their enrollment at Marist.
Marist College provides electronic billing and
payment services. Payment services include ACH
payments from your checking or savings account.
Students may obtain additional payment information
at www.marist.edu/sfs/billing.html.
Billing dates vary depending upon your program.
Information is available at Student Financial Services.
Billing statements list basic semester charges for
tuition and fees. Additional statements are issued for
miscellaneous charges during the semester.
eREFUND
Students are encouraged to enroll in our eRefund
process, which will enable Marist to directly deposit
your refund quickly, securely, and confidentially into
your bank account.
Student Financial Services staff members are
available to discuss aid opportunities, payment
options, and financing plans. If you have any
questions or would like to come in for an
individual meeting, just call 845.575.3230 or
800.436.5483 to schedule an appointment. Office
hours are 8:30 a.m. to 7 p.m. Monday through
Thursday, and 8:30 a.m. to 5 p.m Friday.
Things to Remember...
It is important to keep the following points in mind as you familiarize yourself with the
financial aid process:
• It is recommended that you file for aid before you are accepted by Marist. (FAFSA Code:
002765)
• File the necessary forms: do not assume you are ineligible.
• File the FAFSA as early as you can (but not before January 1) using the IRS Data Retrieval
Process.
• Send written documentation to the Office of Student Financial Services if there are unusual
financial circumstances.
• Please be sure to work with your program director regarding the format of your program and to
develop a course plan. Then review the plan with Student Financial Services to determine your
eligibility for financial aid.You must be enrolled in at least 6 credits to be eligible for Stafford
Loans.
• You must be enrolled in at least 6 credits to be eligible for Stafford Loans.
• If you add or drop a class, please contact Student Financial Services to see if/how your aid
would be adjusted.
• Please be sure to check your Foxmail (Marist e-mail) account as that is how the Student
Financial Services office sends notifications regarding changes and/or updates to your financial aid
account. The Foxmail login is located at https://foxmail2.marist.edu/imp/login.php
• Meet all deadlines.
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Payment/Loan Summary
Program
Limits
Tuition Pay
Full cost of tuition minus
Monthly
student aid
Payment Plan
Subsidized
Stafford
and/or
Unsubsidized
Stafford
Fee
In-School
Interest
Repayment Grace
Interest
Period
Repayment
Period
$45
(Annual)
0
0
None
10 months
0
Fixed rate
6.8%
6 months
10 years
Fixed rate
6.8%
Fixed rate
6.8%
6 months
10 years
Dependent
1.0%
Undergraduate Student
FR $3,500 + additional
$2,000 unsubsidized loans
1.0%
SO $4,500 + additional
$2,000 unsubsidized loans
JR/SR $5,500 + additional
$2,000 unsubsidized loans
Lifetime loan limit $31,000.
No more than $23,000 of
this amount may be in subsidized loans.
Independent
Undergraduate Student
FR $9,500-No more than
$3,500 of this amount may
be in subsidized loans
SO $10,500-No more than
$4,500 of this amount may
be in subsidized loans
JR/SR $12,500-No more
than $5,500 of this amount
may be in subsidized loans
Lifetime loan limit $57,500.
No more than $23,000 of
this amount may be in subsidized loans.
Perkins
$4,000
Lifetime loan limit $20,000
0
0
5%
9 months
10 years
PLUS Loan
for Parents
Full cost of tuition minus
student aid
4%
Fixed rate
7.9%
Fixed rate
7.9%
None
10 years
Did You Know?
A key measure of student success, the student loan default rate, is significantly better for
Marist College graduates than the rate for peer institutions. The 2009 cohort-default rate,
the most recent available, was 1.1% for Marist College, compared with an average rate of
4.5% for all private, four-year colleges and universities nationally.
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Notes
15
Office of Student Financial Services
Marist College
3399 North Rd
Poughkeepsie, NY 12601
Telephone:
800.436.5483
Web site:
www.marist.edu/sfs
E-mail:
studentfinancialservices@marist.edu
P
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Note: Information subject to change. Refer to our Web site for updated
information regarding institutional, state, and federal student aid programs.