Affording
2013-2014 GRADUATE FINANCIAL ASSISTANCE INFORMATION
The Investment of a Lifetime
Table of Contents
Welcome 3
The Value of an Education 4
The Marist Graduate Degree 5
Sources of Financial Aid 6
Applying for Financial Aid 10
Payment/Loan Options 11
Smart Borrowing/Repaying Your Loans 13
Student Billing 15
eRefund 15
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 graduate 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/graduate 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
Veterans Tuition Award
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 Weekly Earnings 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
$500
$1,000
$1,500
$2,000
Sources: Bureau of Labor Statistics, 2013, Current Population Survey.
4
The
Marist
Graduate 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, and with good reason: The
academic profile of the student body is one
of the most competitive in higher education.
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 377 colleges in the country, and our
School of Management one of the top 294
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 us 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 places us
on its elite honor role of only 100 academic
institutions noted for teaching character
development. Careers and Colleges magazine
picked Marist as one of 14 “schools that rule,“
providing “strong academic programs, terrific
professors, a vibrant student life, (and) other
opportunities for personal development.” In
2007, when ABC’s Good Morning America
wanted to highlight some of the best college
housing in the country, the show broadcast
from Marist.
Located in the heart of the historic Hudson River Valley ...
5
... with a branch campus in Florence, Italy!
Sources
of Financial Aid
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 new fall students, June 15 for returning students, and November 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.
GRADUATE GRANTS
Marist Graduate Grant
There are a limited number of grants for
part-time or full-time graduate study. These
are awarded each year to students who have
completed the FAFSA. The award amount
varies in accordance with need and academic
merit, and students must re-apply each year
as it is not automatically renewed. To qualify,
recipients must maintain a 3.0 or higher
cumulative grade point average. Returning
students must complete a FAFSA renewal by
June 15.
6
FEDERAL GRANTS
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.
SCHOLARSHIPS AND
ASSISTANTSHIPS
McCann Fellowship
Marist College provides McCann Fellowship
awards for individuals employed by public
sector and not-for-profit organizations that
are interested in pursuing graduate studies in
Public Administration. Fellowship awards are
available to both new and returning students.
Applications should be obtained from and
submitted to the School of Management.
In order to be eligible, students must be
employed by a public sector or not-for-profit
agency in the Mid-Hudson region, be a parttime student in the MPA program at Marist
College, and not receive full tuition assistance
from their employer. In order to retain the
award, McCann Fellows must maintain
academic progress toward their degree and
re-file a McCann Fellowship application each
year. Awards are based on availability of funds.
Graduate Merit Scholarships
The Office of Graduate & Adult Enrollment
awards merit-based scholarships upon
acceptance into a qualified graduate
program at Marist. Awards are based on
the applicant’s cumulative GPA from their
undergraduate degree-granting institution or
most recently earned graduate/professional
degree. Merit awards are given at the
discretion of the scholarship committee.
General eligibility for a scholarship does
not guarantee admission. Marist alumni
are eligible to receive a scholarship upon
acceptance for a minimum of $150/course.
Graduate Scholars Award
Eligibility Requirements: 3.5 GPA or higher
Award Amount: $250/course
Graduate Academic Award
Eligibility Requirements: 3.2 - 3.49 GPA
Award Amount: $150/course
Marist Alumni Scholars Award
Eligibility Requirements: 3.5 GPA or higher
Award Amount: $250/course
Marist Alumni Academic Award
Eligibility Requirements: Upon acceptance
Award Amount: $150/course
School Psychology Graduate
Academic Award
Eligibility Requirements: 3.3-3.59 GPA
Total Award Amount: $10,200
School Psychology Graduate
Scholars Award
Eligibility Requirements: 3.6 GPA or higher
Total Award Amount: $20,400
Graduate Assistantships
Graduate Assistantships are awarded on
a competitive basis to a select and limited
number of full-time students who have
demonstrated a strong academic record.
Graduate Assistants work with faculty and staff
to perform administrative and research tasks as
well as other duties such as monitoring labs,
tutoring, and assisting with student activities.
Assistantships are comprised of a partial tuition
waiver and stipend. The assistantship value and
nature of work involved varies by program. For
more detailed information, contact the director
of the respective graduate program.
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MARIST ENDOWED SCHOLARSHIP
Marist students may apply for the endowed
scholarship below. To apply online go to
www.marist.edu/sfs/endowadultgrad.
html
Debra Sue Levantrosser Women
of Marist College Scholarship
The Debra Sue Levantrosser Women of Marist
College Scholarship was established by
Frederick and Barbara Levantrosser in honor
of their daughter, who received her Master's
of Public Administration from Marist in 1996.
Recipients must exhibit an entrepreneurial
spirit and creativity as well as high integrity,
motivation to succeed, and extraordinary
potential for personal growth. Selection is
based on the application, strength of the
essay, and one faculty recommendation. The
scholarship is available to female graduate
students majoring in management, business,
political science, or public administration.
Special consideration is given to applicants
pursuing an international focus in their studies
and career aspirations. The award is made
upon the recommendation of Student Financial
Services and renewable based upon the review
of Student Financial Services.
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:
8
1. The private scholarship may not 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/sfs/
scholarsearch.html) has links to various
legitimate 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. Since 2009, G.I. Jobs
magazine has named Marist College as a
Military Friendly School. Qualified students
can use any Chapter of the Montgomery GI
Bill – including the Post-9/11 GI Bill that pays
100% of Marist tuition for every 100% eligible
graduate student. In addition, students can
use military tuition assistance and New York
State Veteran Tuition Awards to earn a degree.
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
Office of Graduate and Adult Enrollment at
888.877.7900.
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 on or before the billing due
date. Each semester applications are required
and can be found at www.marist.edu/sfs/
forms.html.
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 at
888.877.7900.
Marist Graduate and
Graduate International 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.
9
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 must complete the
Marist Application for Financial Aid and all
other required documentation listed on the
application.The financial aid application
is available online at www.marist.edu/
currentstudents under the Student
Financial Services forms.
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.
10
Payment/Loan
Federal Direct Loan
Federal Direct Loans (unsubsidized) are
low-interest, long-term loans available for
graduate students enrolled in at least 6
credits. The unsubsidized loan borrowers are
responsible for interest that accrues during
all in-school, grace, and deferment periods.
Additional terms, subject to revision by federal
law, include:
• 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.
• For new borrowers, repayment begins six
months after the student graduates
or drops below half-time (6 credits)
enrollment. The standard repayment term
is 10 years, although one can get access
to alternate repayment terms.
The annual Direct Loan limit for graduate
students is $20,500. Annual loans are further
limited by the student’s cost of attendance.
The lifetime loan limit for graduate students is
$138,500. The graduate debt limit includes
all federal loans received for undergraduate
study. Detailed information about the Federal
Direct Loan can be found at: www.marist.
edu/sfs/graduate/directloan.html
Fifth-Year Undergraduate Loan
Program – For Prerequisite
Undergraduate Classes
A student may apply for a Federal Direct Loan
for up to 12 months of coursework taken in
a single consecutive 12-month period if the
school has documented that the coursework
is necessary in order for students to enroll
Options
in a graduate or professional program. This
category of students may borrow at the fifthyear undergraduate loan level, and the loan
limit is not prorated if the program is less than
an academic year.
Federal Direct GradPLUS Loan
Graduate students who qualify for federal
financial aid and are creditworthy borrowers
will be eligible to borrow through the
GradPLUS Loan program. Students are
required to complete the FAFSA application.
The maximum amount a student may borrow
on a Federal Direct GradPLUS Loan each
academic year is the cost of attendance minus
other financial aid received. In addition,
students must have exhausted their annual
Federal Direct Loan eligibility.
• Interest Rate: Interest rates on new student
loans will be set at a fixed rate of 7.9%.
• Processing Fee: A 4.0% origination fee.
Detailed information for the Federal
Direct GradPlus Loan can be found at:
www.marist.edu/sfs/graduate/
gradpluslender.html
11
Payment/Loan Summary
Program
Annual
Limits
Tuition Pay
Full cost of
Monthly
tuition minus
Payment Plan student aid
Direct
Unsubsidized
$20,500
Graduate
PLUS Loan
Full cost of
tuition minus
student aid
Aggregate
Limit
Fee
In-School
Interest
Repayment Grace
Interest
Period
Repayment
Period
$45
(Annual)
0
0
None
10 months
Fixed rate
6.8%
6 months
10 years
Fixed rate
7.9%
None
10 years
$138,500
1.0%
Fixed rate
(includes sub- origination fee 6.8%
sidized and
undergraduate loans)
4.0%
origination fee
Master Promissory Note (MPN) and
Entrance Counseling
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.
Fixed rate
7.9%
MONTHLY PAYMENT PLAN
The Monthly Payment Plans are administered
by Sallie Mae and Tuition Management System
(TMS).
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.
12
Smart Borrowing
SMART BORROWING
Marist College makes every effort to ensure that students
who invest in their education by borrowing loans
graduate with reasonable debt levels. SFS encourages
students to meet with counselors throughout their college
career, and students are offered personalized loan
counseling sessions at the time of graduation.
It is important to be aware that all types of student loans
will need to be repaid in the future. As you make your
plans, give serious consideration to the loan amounts
needed throughout your entire education. You should
ensure that you are able to manage your student loan
indebtedness.
•
Tip: Student loan payments should be 10 percent or
less of a student’s net monthly income after graduation.
*Visit the Bureau of Labor Statistics at bls.gov/bls/
blswage.htm to find the estimated starting salary for
various careers. It is important to determine how much
student loan debt you can manage based on your starting
salary upon graduation.
Repaying your loans
Repayment on most federal student loans will begin after
you leave college or drop below half-time enrollment.
Your loan servicer provides you with a loan repayment
schedule that states when your first payment is due, the
number and frequency of payments, and the amount of
each payment. For a history of your student loans, visit
http://www.nslds.ed.gov. The National Student Loan Data
System (NSLDS) is the U.S. Department of Education's
(ED's) central database for federal aid. NSLDS Student
Access provides a centralized, integrated view of Title
IV loans and grants so that recipients of Title IV aid can
access and inquire about their Title IV loans and/or grant
data.
FEDERAL LOAN FORGIVENESS
AND CANCELLATION
PROGRAMS
Public Service Loan Forgiveness Program
In 2007, Congress created the Public Service Loan Forgiveness Program to encourage individuals to enter and
continue to work full-time in public service jobs. Under
this program, borrowers may qualify for forgiveness of the
remaining balance due on their eligible federal student
loans after they have made 120 payments on those loans
under certain repayment plans while employed full-time
by certain public service employers. For more information visit: http://www.myfedloan.org/
Direct Loan Teacher Forgiveness Program
If you have five complete and consecutive years of qualifying teacher service which began on or after Oct. 30,
2004, please note the following: You may receive up to
$5,000 in loan forgiveness if you were a highly qualified full-time elementary or secondary school teacher.
You may receive up to $17,500 in loan forgiveness if, as
certified by the chief administrative officer of the school
where you were employed. For more information please
visit: http://studentaid.ed.gov/repay-loans/
forgiveness-cancellation/charts/teacher#whatare-the-eligibility
Please visit http://studentaid.ed.gov/repay-loans
for loan repayment options.
Did You Know?
A key measure of student success, the student loan default rate, is significantly better for
Marist College than the rate for peer institutions. The 2010 cohort-default rate, the most
recent available, was 1.2% for Marist College, compared with an average rate of 4.5% for
all private, four-year colleges and universities nationally.
Private Loan Programs
Students seeking to defer the cost of
financing their education may choose to
pursue student loans. In addition to the
federal loan programs, there are a number
of alternative loan programs available
for part-time or full-time students. These
programs are sponsored by private lending
organizations. Loan terms and interest
rates may vary. Students should research
the program that best suits their needs. For
additional information, please refer to
www.marist.edu/sfs/graduate/loans.
html. Click on the Private Loans link.
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/graduate/loans.html.
Tax Incentives for Education
Students should be aware that there are
federal education tax credits available.
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 at 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 via
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 Retrival 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 Federal Direct 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.
15
Office of Student Financial Services
Marist College
3399 North Rd
Poughkeepsie, NY 12601
Telephone:
800.436.5483
Web site:
www.marist.edu/sfs
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E-mail:
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