next steps
New Students
Your financial aid package is based on an estimated cost of
attendance, which includes tuition* as well as student fees, health
insurance, books, and living expenses. The living expense budget
is determined largely by whether you live with your parents/
family or independently. We encourage you to review and
understand your budget carefully and plan your expenses and
any related borrowing accordingly. The more you can control
and reduce your living expenses, the less your loan obligation
will be at graduation. Your cost of attendance represents the
maximum amount you can borrow from all sources, including
Suffolk aid, student loans, work study, employer tuition benefits,
and any other aid from outside sources.
For financial aid purposes, full-time status in the JD program
is ten or more credits per semester for Day Division students and
seven or more credits per semester for Evening Division students. If
you enroll in less than full-time, your tuition charges will be
$1,533 per credit (JD). You must inform the Office of Financial
Aid in writing of any changes in your course load.
On Own
JD Day
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
$45,922
$34,440
120
90
1,8401,840
1,250
920
942
942
18,297
18,297
Total$68,371
With Parent
JD Eve
JD Day
*Joint-degree and LLM students are charged on a per-credit basis.
JD/MPA
$ 1,550
JD/MSIE
$ 1,557
JD/MSCJ
$ 1,583
LLM
$ 1,939
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Apply for Federal PLUS or private, alternative loan(s), if needed.
Apply for PLUS or private, alternative loans, if needed.
Waive health insurance, if applicable, online at the Office of the Bursar’s
website.
For Federal Loan borrowers only: Complete your Promissory Note and
Entrance Counseling at studentloans.gov.
Waive health insurance, if applicable, online via the Office of the Bursar’s
website.
Submit final official undergraduate academic transcript to the Admissions
Office by June 1.
Receive Campus Cruiser and Suffolk email access. (It is your responsibility
to check these frequently for official Suffolk Law communications.)
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Complete required documents for Perkins and Trustee Loans through the
Bursar’s Office.
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Spring 2015
Federal regulations allow Suffolk University Law School to add the one-time cost of a computer
purchase to a student’s cost of attendance. If you wish to have this added to your cost of
attendance or would like more information on the program, please see the Computer Loan
Request form at www.suffolk.edu/law/computerloan.
2014–2015
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Financial Aid
Information
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for fall federal work-study applications
(available on the first day of classes).
Complete required documents for Perkins and Trustee Loans through the
Office of the Bursar.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Spring 2015
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for spring and summer federal work-study
applications (available on the first day of classes).
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
JD Eve
$60,820$48,978
$ 1,636
Make $500 seat deposit to the Office of the Bursar by April 15.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Total
JD/MSF
Summer 2014
$56,529
$45,922$34,440
12090
1,8401,840
1,250920
942
942
10,746
10,746
$ 1,700
SUMMER 2014
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
JD/MBA
Returning Students
Fax
617-305-3216
Phone
617-573-8147
Website
www.suffolk.edu/
law/finaid
Email
lawfaid@suffolk.edu
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Frequently Used Phone Numbers
the office of financial aid
Location
David J. Sargent Hall
120 Tremont Street
1st Floor
Boston, MA 02108
Visit the Office of Financial Aid for spring and summer work-study
applications (available on the first day of classes).
Fall & Spring Hours
Monday–Thursday
8:45 a.m.–6 p.m.
Friday
8:45 a.m.–4:45 p.m.
Summer Hours
Daily
8:45 a.m.–4:45 p.m.
General Number
617-573-8000
Dean of Students
617-573-8157
Health & Wellness Services
617-573-8260
Bursar
617-573-8407
Off-Campus Housing Office
617-573-8647
Library
617-573-8177
Admissions
617-573-8144
Professional &
Career Development
617-573-8148
Academic Technology
617-573-8352
Registrar
617-573-8160
Rappaport Center
617-573-8644
University Police
617-573-8333
Produced by OMC 021413
Cost of Attendance
Information About 2014–2015 Awards
Grants and Scholarships
Dear Student,
Welcome to Suffolk University Law School.
We realize that your decision to obtain a law
degree represents a significant investment
of time and resources. We are committed to
working with you to help you achieve your
professional education goals in the most costeffective and efficient manner possible.
Your award letter indicates your eligibility
for specific financial aid programs. In this
brochure, you’ll find an overview of and
information about these awards and their
requirements. You will also find other
important information related to financial
aid, including tuition and cost-of-attendance
budgets. We strongly recommend that you
review this information thoroughly, visit
our website for further details, and keep this
brochure for future reference.
We look forward to working with you and
extend our best wishes for a successful year.
Sincerely,
The Office of Financial Aid
Suffolk University Law School awards both need-based
and merit-based grants and scholarships that do not need to
be repaid upon graduation. Students who file the required
financial aid forms by the annual priority filing date will
automatically be considered for grant monies from these funds.
Scholarships are for Suffolk Law School tuition only. Funds
from these awards are posted to students’ tuition accounts
each semester after the fourth week of classes. For more
information on each award, please visit www.suffolk.edu/law/
grantsscholarships.
Trustee Grants
Trustee Grants are awarded on the basis of financial need.
Awards are renewable provided that students reapply by
the financial aid deadline of April 1 and their financial need
remains similar.
Sargent Scholarships
Sargent Scholarships are awarded to incoming students on
the basis of significant financial need and strong academic
credentials. Recipients must maintain a 3.0 cumulative GPA
and continue to demonstrate financial need to renew the
scholarship each year.
Trustee Academic Scholarships
Trustee Academic Scholarships are awarded by the Admissions
Committee after applicants are admitted to Suffolk Law
School. Recipients are selected on the basis of merit. A
minimum cumulative 3.0 GPA at the end of each school year is
required for renewal.
Endowed Scholarships
Endowed scholarships are funded by gifts from donors and
foundations, and are awarded to students who meet the donors’
designated criteria. A complete list of endowed scholarships is
available at www.suffolk.edu/law/endowed.
Yellow Ribbon Scholarships
Yellow Ribbon Scholarships are awarded to qualified US
veterans approved by the US Department of Veterans Affairs
(VA) for participation in the program. Award renewal is
contingent on continued eligibility as determined by the VA.
Yellow Ribbon Scholarship recipients are not eligible for any
additional institutional aid. Funds are posted to students’
tuition accounts each semester once received from the VA.
Academic Leadership Scholarship
Each year, Suffolk Law School awards the top five students
in each section (for both the Day and Evening Divisions)
with Academic Leadership Scholarships as they are about to
enter their second year. Students ranked first in their section
receive a scholarship worth 50 percent of tuition and those
ranked second through fifth receive 25 percent. Recipients
must remain in the top 20 percent of their class to renew
the scholarship.
Law Achievement Scholarships
Law Achievement Scholarships are awarded to students who
have financial need and excel academically. Recipients must
maintain a 3.0 cumulative GPA and continue to demonstrate
financial need to renew the scholarship each year.
Loans
Whether or not to borrow to finance your education is a
major decision. You are eligible to borrow up to the cost of
attendance, less other aid, subject to the lender’s approval. We
encourage you to borrow conservatively. If you need to borrow,
be sure to fully research your options and understand the
terms of your loan, as well as your rights and responsibilities
as a borrower. Your aid award may offer you a Suffolk Trustee
Loan, Federal Perkins and/or Stafford Loans. Please note that
Federal Graduate PLUS Loans and private educational loans
are not included on your award letter until you’ve initiated the
borrowing process with the lender. We will mail you a revised
financial aid award letter after we certify these types of loans.
Please refer to www.suffolk.edu/law/assistance for further
details.
Trustee Loan Program
Trustee Loans are no-interest, institutionally-funded loans.
Funding is limited and recipients are selected on the basis of
financial need. Repayment begins six months after students
graduate, withdraw, or drop below half-time enrollment. There
is a five-year repayment term. Eligible students will be awarded
a Trustee Loan as part of their financial aid award.
Federal Perkins Loan Program
Perkins Loans offer a fixed interest rate of five percent.
Funding is limited and recipients are selected on the basis of
financial need. The maximum annual Perkins Loan award is
$8,000. The aggregate maximum is $60,000, which includes
any outstanding debt incurred from other educational
programs. Repayment begins nine months after students
graduate, withdraw, or drop below half-time enrollment.
The repayment period (a maximum of ten years) varies based
on the amount borrowed. Based on available funds, eligible
students will be awarded a Federal Perkins Loan as part of their
financial aid award.
Federal Direct Unsubsidized Stafford Loan Awards
The maximum annual Stafford Loan award is $20,500.
Stafford Loan interest rates are set each year on July 1 and are
fixed for the life of the loan. The interest rate for the 2013–14
year is 5.41 percent. Students are responsible for the interest
that accumulates when the loan is disbursed. An origination
fee of approximately 1.072 percent will be deducted from
the loan amount at disbursement. The aggregate maximum
is $138,500, which includes any outstanding debt incurred
from undergraduate study or other educational programs.
The accrued interest will be capitalized (added to the principal
balance). The Office of Financial Aid processes loans for the
maximum amount, as stated on the enclosed award letter. If
you wish to borrow less, indicate the reduced amount on the
award letter or complete a Loan Decrease Request form and
return it to the Office of Financial Aid. Stafford Loan funds
will be disbursed to students’ tuition accounts at the beginning
of each semester. New Stafford borrowers at Suffolk Law
School are required to complete Entrance Counseling and a
Master Promissory Note (MPN) prior to receiving loan funds.
Loan Entrance Counseling and the MPN can be completed
online at studentloans.gov. Eligible students will be awarded an
Unsubsidized Stafford Loan as part of their financial aid award.
Federal Direct Graduate PLUS Loan Program
Students who need to borrow additional funds beyond the
Federal Direct Unsubsidized Stafford Loan maximum stated
on the award letter may wish to consider applying for a Federal
Direct Graduate PLUS Loan. Graduate PLUS Loan interest
rates are set each year on July 1 and are fixed for the life of the
loan. The interest rate for the 2013–14 year is 6.41 percent.
Students who are credit-approved can borrow up to Suffolk’s
stated cost of attendance less other aid from all sources.
Currently the origination fee of approximately 4.288 percent
will be deducted from the loan amount at disbursement.
Graduate PLUS Loans are not listed on the initial award letter
until the loan has been requested by students and certified
by the Office of Financial Aid. Loans are subject to credit
approval. Students can initiate the borrowing process by
completing a PLUS request at studentloans.gov. New PLUS
Loan borrowers must also complete Entrance Counseling and
a Master Promissory Note (MPN) online at studentloans.gov.
Refer to www.suffolk.edu/law/federal for more information.
Additional Information
Get $mart!™
The Office of Financial Aid offers a financial literacy program
called Get $mart!™ Workshops and webinars are presented
on a variety of finance-related topics each year. You can find
information on this program as well as links to financial literacy
resources at www.suffolk.edu/law/get$mart!.
Federal Student Loan Deferment Information
If you have prior federal student loans, you may choose to
defer loan payments while you’re enrolled at Suffolk Law
School. To defer your loans, contact your current lender(s).
In addition, the Office of the Registrar transmits enrollment
records to the National Student Loan Clearinghouse. If your
lender(s) also participates in the Clearinghouse, your loan
deferment may occur automatically. You should continue to
make loan payments until you are notified by your lender(s)
that your deferment has been approved.
Students Studying (Visiting) at Another Law
School
If you intend to visit another law school during the summer,
fall, or spring semester, contact the Office of Financial Aid after
you confirm your arrangements. Visiting students who have
financial aid must have a completed Consortium Agreement
to receive federal funds from Suffolk while attending the
host school. Students visiting a foreign institution must have
a completed contractual agreement to be eligible for federal
financial aid from Suffolk while attending the host school.
Visiting students’ financial aid will be based only on credits that
will transfer back to Suffolk toward the law degree. Please note
that Suffolk Law School institutional funds are not transferable
if students visit another law school.
Reconsideration of Financial Aid Awards
Requests for reconsideration of financial aid awards should
be addressed in writing to the Office of Financial Aid and
must be accompanied with supporting documentation.
Reconsideration will be based only on new or changing
information that was not included in an original financial aid
application. We will mail you a revised financial aid award
letter if your award changes.
Satisfactory Academic Progress
Federal regulations require that students demonstrate
satisfactory academic progress (SAP) in their educational
programs in order to maintain eligibility for federal financial
aid. This progress is established and reviewed by the Office
of Financial Aid and is evaluated independently from the
academic and other standards set forth in the Law School’s
official rules and regulations. Given the two standards involved,
it is possible for a student to make SAP as determined by
the Office of Financial Aid, but fail to be in good academic
standing under the Law School’s rules and regulations or vice
versa. Please review the policy at www.suffolk.edu/law/sap.
Withdrawal and Leave of Absence
Students leaving Suffolk Law School for any reason must file
the appropriate forms through the Office of the Registrar or
contact the Dean of Students Office at 617-573-8157. Failure
to complete the appropriate forms may prove costly as students
may be assessed tuition charges for a semester they did not
complete. Students with federal loans must also complete Exit
Counseling prior to their departure.
Students withdrawing or dropping credits after a semester
begins will be assessed tuition charges in accordance with the
Tuition Liability Policy established by the Office of the Bursar.
The Office of Financial Aid is required to recalculate the
federal financial aid eligibility for students who withdraw,
drop out, are dismissed, or take a leave of absence prior to
completing 60 percent of a semester. In some cases, federal
loans already refunded to the student may need to be returned
to the lender. This could result in an outstanding tuition
balance owed to Suffolk University.
Loan Repayment Assistance Program
Suffolk Law School graduates who pursue a legal career in
public interest may apply for the Loan Repayment Assistance
Program (LRAP) in their last semester. Accepted program
participants receive reimbursements for payments on loans
borrowed for enrollment in Suffolk University Law School.
For more information, please visit www.suffolk.edu/law/lrap.
Information About 2014–2015 Awards
Grants and Scholarships
Dear Student,
Welcome to Suffolk University Law School.
We realize that your decision to obtain a law
degree represents a significant investment
of time and resources. We are committed to
working with you to help you achieve your
professional education goals in the most costeffective and efficient manner possible.
Your award letter indicates your eligibility
for specific financial aid programs. In this
brochure, you’ll find an overview of and
information about these awards and their
requirements. You will also find other
important information related to financial
aid, including tuition and cost-of-attendance
budgets. We strongly recommend that you
review this information thoroughly, visit
our website for further details, and keep this
brochure for future reference.
We look forward to working with you and
extend our best wishes for a successful year.
Sincerely,
The Office of Financial Aid
Suffolk University Law School awards both need-based
and merit-based grants and scholarships that do not need to
be repaid upon graduation. Students who file the required
financial aid forms by the annual priority filing date will
automatically be considered for grant monies from these funds.
Scholarships are for Suffolk Law School tuition only. Funds
from these awards are posted to students’ tuition accounts
each semester after the fourth week of classes. For more
information on each award, please visit www.suffolk.edu/law/
grantsscholarships.
Trustee Grants
Trustee Grants are awarded on the basis of financial need.
Awards are renewable provided that students reapply by
the financial aid deadline of April 1 and their financial need
remains similar.
Sargent Scholarships
Sargent Scholarships are awarded to incoming students on
the basis of significant financial need and strong academic
credentials. Recipients must maintain a 3.0 cumulative GPA
and continue to demonstrate financial need to renew the
scholarship each year.
Trustee Academic Scholarships
Trustee Academic Scholarships are awarded by the Admissions
Committee after applicants are admitted to Suffolk Law
School. Recipients are selected on the basis of merit. A
minimum cumulative 3.0 GPA at the end of each school year is
required for renewal.
Endowed Scholarships
Endowed scholarships are funded by gifts from donors and
foundations, and are awarded to students who meet the donors’
designated criteria. A complete list of endowed scholarships is
available at www.suffolk.edu/law/endowed.
Yellow Ribbon Scholarships
Yellow Ribbon Scholarships are awarded to qualified US
veterans approved by the US Department of Veterans Affairs
(VA) for participation in the program. Award renewal is
contingent on continued eligibility as determined by the VA.
Yellow Ribbon Scholarship recipients are not eligible for any
additional institutional aid. Funds are posted to students’
tuition accounts each semester once received from the VA.
Academic Leadership Scholarship
Each year, Suffolk Law School awards the top five students
in each section (for both the Day and Evening Divisions)
with Academic Leadership Scholarships as they are about to
enter their second year. Students ranked first in their section
receive a scholarship worth 50 percent of tuition and those
ranked second through fifth receive 25 percent. Recipients
must remain in the top 20 percent of their class to renew
the scholarship.
Law Achievement Scholarships
Law Achievement Scholarships are awarded to students who
have financial need and excel academically. Recipients must
maintain a 3.0 cumulative GPA and continue to demonstrate
financial need to renew the scholarship each year.
Loans
Whether or not to borrow to finance your education is a
major decision. You are eligible to borrow up to the cost of
attendance, less other aid, subject to the lender’s approval. We
encourage you to borrow conservatively. If you need to borrow,
be sure to fully research your options and understand the
terms of your loan, as well as your rights and responsibilities
as a borrower. Your aid award may offer you a Suffolk Trustee
Loan, Federal Perkins and/or Stafford Loans. Please note that
Federal Graduate PLUS Loans and private educational loans
are not included on your award letter until you’ve initiated the
borrowing process with the lender. We will mail you a revised
financial aid award letter after we certify these types of loans.
Please refer to www.suffolk.edu/law/assistance for further
details.
Trustee Loan Program
Trustee Loans are no-interest, institutionally-funded loans.
Funding is limited and recipients are selected on the basis of
financial need. Repayment begins six months after students
graduate, withdraw, or drop below half-time enrollment. There
is a five-year repayment term. Eligible students will be awarded
a Trustee Loan as part of their financial aid award.
Federal Perkins Loan Program
Perkins Loans offer a fixed interest rate of five percent.
Funding is limited and recipients are selected on the basis of
financial need. The maximum annual Perkins Loan award is
$8,000. The aggregate maximum is $60,000, which includes
any outstanding debt incurred from other educational
programs. Repayment begins nine months after students
graduate, withdraw, or drop below half-time enrollment.
The repayment period (a maximum of ten years) varies based
on the amount borrowed. Based on available funds, eligible
students will be awarded a Federal Perkins Loan as part of their
financial aid award.
Federal Direct Unsubsidized Stafford Loan Awards
The maximum annual Stafford Loan award is $20,500.
Stafford Loan interest rates are set each year on July 1 and are
fixed for the life of the loan. The interest rate for the 2013–14
year is 5.41 percent. Students are responsible for the interest
that accumulates when the loan is disbursed. An origination
fee of approximately 1.072 percent will be deducted from
the loan amount at disbursement. The aggregate maximum
is $138,500, which includes any outstanding debt incurred
from undergraduate study or other educational programs.
The accrued interest will be capitalized (added to the principal
balance). The Office of Financial Aid processes loans for the
maximum amount, as stated on the enclosed award letter. If
you wish to borrow less, indicate the reduced amount on the
award letter or complete a Loan Decrease Request form and
return it to the Office of Financial Aid. Stafford Loan funds
will be disbursed to students’ tuition accounts at the beginning
of each semester. New Stafford borrowers at Suffolk Law
School are required to complete Entrance Counseling and a
Master Promissory Note (MPN) prior to receiving loan funds.
Loan Entrance Counseling and the MPN can be completed
online at studentloans.gov. Eligible students will be awarded an
Unsubsidized Stafford Loan as part of their financial aid award.
Federal Direct Graduate PLUS Loan Program
Students who need to borrow additional funds beyond the
Federal Direct Unsubsidized Stafford Loan maximum stated
on the award letter may wish to consider applying for a Federal
Direct Graduate PLUS Loan. Graduate PLUS Loan interest
rates are set each year on July 1 and are fixed for the life of the
loan. The interest rate for the 2013–14 year is 6.41 percent.
Students who are credit-approved can borrow up to Suffolk’s
stated cost of attendance less other aid from all sources.
Currently the origination fee of approximately 4.288 percent
will be deducted from the loan amount at disbursement.
Graduate PLUS Loans are not listed on the initial award letter
until the loan has been requested by students and certified
by the Office of Financial Aid. Loans are subject to credit
approval. Students can initiate the borrowing process by
completing a PLUS request at studentloans.gov. New PLUS
Loan borrowers must also complete Entrance Counseling and
a Master Promissory Note (MPN) online at studentloans.gov.
Refer to www.suffolk.edu/law/federal for more information.
Additional Information
Get $mart!™
The Office of Financial Aid offers a financial literacy program
called Get $mart!™ Workshops and webinars are presented
on a variety of finance-related topics each year. You can find
information on this program as well as links to financial literacy
resources at www.suffolk.edu/law/get$mart!.
Federal Student Loan Deferment Information
If you have prior federal student loans, you may choose to
defer loan payments while you’re enrolled at Suffolk Law
School. To defer your loans, contact your current lender(s).
In addition, the Office of the Registrar transmits enrollment
records to the National Student Loan Clearinghouse. If your
lender(s) also participates in the Clearinghouse, your loan
deferment may occur automatically. You should continue to
make loan payments until you are notified by your lender(s)
that your deferment has been approved.
Students Studying (Visiting) at Another Law
School
If you intend to visit another law school during the summer,
fall, or spring semester, contact the Office of Financial Aid after
you confirm your arrangements. Visiting students who have
financial aid must have a completed Consortium Agreement
to receive federal funds from Suffolk while attending the
host school. Students visiting a foreign institution must have
a completed contractual agreement to be eligible for federal
financial aid from Suffolk while attending the host school.
Visiting students’ financial aid will be based only on credits that
will transfer back to Suffolk toward the law degree. Please note
that Suffolk Law School institutional funds are not transferable
if students visit another law school.
Reconsideration of Financial Aid Awards
Requests for reconsideration of financial aid awards should
be addressed in writing to the Office of Financial Aid and
must be accompanied with supporting documentation.
Reconsideration will be based only on new or changing
information that was not included in an original financial aid
application. We will mail you a revised financial aid award
letter if your award changes.
Satisfactory Academic Progress
Federal regulations require that students demonstrate
satisfactory academic progress (SAP) in their educational
programs in order to maintain eligibility for federal financial
aid. This progress is established and reviewed by the Office
of Financial Aid and is evaluated independently from the
academic and other standards set forth in the Law School’s
official rules and regulations. Given the two standards involved,
it is possible for a student to make SAP as determined by
the Office of Financial Aid, but fail to be in good academic
standing under the Law School’s rules and regulations or vice
versa. Please review the policy at www.suffolk.edu/law/sap.
Withdrawal and Leave of Absence
Students leaving Suffolk Law School for any reason must file
the appropriate forms through the Office of the Registrar or
contact the Dean of Students Office at 617-573-8157. Failure
to complete the appropriate forms may prove costly as students
may be assessed tuition charges for a semester they did not
complete. Students with federal loans must also complete Exit
Counseling prior to their departure.
Students withdrawing or dropping credits after a semester
begins will be assessed tuition charges in accordance with the
Tuition Liability Policy established by the Office of the Bursar.
The Office of Financial Aid is required to recalculate the
federal financial aid eligibility for students who withdraw,
drop out, are dismissed, or take a leave of absence prior to
completing 60 percent of a semester. In some cases, federal
loans already refunded to the student may need to be returned
to the lender. This could result in an outstanding tuition
balance owed to Suffolk University.
Loan Repayment Assistance Program
Suffolk Law School graduates who pursue a legal career in
public interest may apply for the Loan Repayment Assistance
Program (LRAP) in their last semester. Accepted program
participants receive reimbursements for payments on loans
borrowed for enrollment in Suffolk University Law School.
For more information, please visit www.suffolk.edu/law/lrap.
Information About 2014–2015 Awards
Grants and Scholarships
Dear Student,
Welcome to Suffolk University Law School.
We realize that your decision to obtain a law
degree represents a significant investment
of time and resources. We are committed to
working with you to help you achieve your
professional education goals in the most costeffective and efficient manner possible.
Your award letter indicates your eligibility
for specific financial aid programs. In this
brochure, you’ll find an overview of and
information about these awards and their
requirements. You will also find other
important information related to financial
aid, including tuition and cost-of-attendance
budgets. We strongly recommend that you
review this information thoroughly, visit
our website for further details, and keep this
brochure for future reference.
We look forward to working with you and
extend our best wishes for a successful year.
Sincerely,
The Office of Financial Aid
Suffolk University Law School awards both need-based
and merit-based grants and scholarships that do not need to
be repaid upon graduation. Students who file the required
financial aid forms by the annual priority filing date will
automatically be considered for grant monies from these funds.
Scholarships are for Suffolk Law School tuition only. Funds
from these awards are posted to students’ tuition accounts
each semester after the fourth week of classes. For more
information on each award, please visit www.suffolk.edu/law/
grantsscholarships.
Trustee Grants
Trustee Grants are awarded on the basis of financial need.
Awards are renewable provided that students reapply by
the financial aid deadline of April 1 and their financial need
remains similar.
Sargent Scholarships
Sargent Scholarships are awarded to incoming students on
the basis of significant financial need and strong academic
credentials. Recipients must maintain a 3.0 cumulative GPA
and continue to demonstrate financial need to renew the
scholarship each year.
Trustee Academic Scholarships
Trustee Academic Scholarships are awarded by the Admissions
Committee after applicants are admitted to Suffolk Law
School. Recipients are selected on the basis of merit. A
minimum cumulative 3.0 GPA at the end of each school year is
required for renewal.
Endowed Scholarships
Endowed scholarships are funded by gifts from donors and
foundations, and are awarded to students who meet the donors’
designated criteria. A complete list of endowed scholarships is
available at www.suffolk.edu/law/endowed.
Yellow Ribbon Scholarships
Yellow Ribbon Scholarships are awarded to qualified US
veterans approved by the US Department of Veterans Affairs
(VA) for participation in the program. Award renewal is
contingent on continued eligibility as determined by the VA.
Yellow Ribbon Scholarship recipients are not eligible for any
additional institutional aid. Funds are posted to students’
tuition accounts each semester once received from the VA.
Academic Leadership Scholarship
Each year, Suffolk Law School awards the top five students
in each section (for both the Day and Evening Divisions)
with Academic Leadership Scholarships as they are about to
enter their second year. Students ranked first in their section
receive a scholarship worth 50 percent of tuition and those
ranked second through fifth receive 25 percent. Recipients
must remain in the top 20 percent of their class to renew
the scholarship.
Law Achievement Scholarships
Law Achievement Scholarships are awarded to students who
have financial need and excel academically. Recipients must
maintain a 3.0 cumulative GPA and continue to demonstrate
financial need to renew the scholarship each year.
Loans
Whether or not to borrow to finance your education is a
major decision. You are eligible to borrow up to the cost of
attendance, less other aid, subject to the lender’s approval. We
encourage you to borrow conservatively. If you need to borrow,
be sure to fully research your options and understand the
terms of your loan, as well as your rights and responsibilities
as a borrower. Your aid award may offer you a Suffolk Trustee
Loan, Federal Perkins and/or Stafford Loans. Please note that
Federal Graduate PLUS Loans and private educational loans
are not included on your award letter until you’ve initiated the
borrowing process with the lender. We will mail you a revised
financial aid award letter after we certify these types of loans.
Please refer to www.suffolk.edu/law/assistance for further
details.
Trustee Loan Program
Trustee Loans are no-interest, institutionally-funded loans.
Funding is limited and recipients are selected on the basis of
financial need. Repayment begins six months after students
graduate, withdraw, or drop below half-time enrollment. There
is a five-year repayment term. Eligible students will be awarded
a Trustee Loan as part of their financial aid award.
Federal Perkins Loan Program
Perkins Loans offer a fixed interest rate of five percent.
Funding is limited and recipients are selected on the basis of
financial need. The maximum annual Perkins Loan award is
$8,000. The aggregate maximum is $60,000, which includes
any outstanding debt incurred from other educational
programs. Repayment begins nine months after students
graduate, withdraw, or drop below half-time enrollment.
The repayment period (a maximum of ten years) varies based
on the amount borrowed. Based on available funds, eligible
students will be awarded a Federal Perkins Loan as part of their
financial aid award.
Federal Direct Unsubsidized Stafford Loan Awards
The maximum annual Stafford Loan award is $20,500.
Stafford Loan interest rates are set each year on July 1 and are
fixed for the life of the loan. The interest rate for the 2013–14
year is 5.41 percent. Students are responsible for the interest
that accumulates when the loan is disbursed. An origination
fee of approximately 1.072 percent will be deducted from
the loan amount at disbursement. The aggregate maximum
is $138,500, which includes any outstanding debt incurred
from undergraduate study or other educational programs.
The accrued interest will be capitalized (added to the principal
balance). The Office of Financial Aid processes loans for the
maximum amount, as stated on the enclosed award letter. If
you wish to borrow less, indicate the reduced amount on the
award letter or complete a Loan Decrease Request form and
return it to the Office of Financial Aid. Stafford Loan funds
will be disbursed to students’ tuition accounts at the beginning
of each semester. New Stafford borrowers at Suffolk Law
School are required to complete Entrance Counseling and a
Master Promissory Note (MPN) prior to receiving loan funds.
Loan Entrance Counseling and the MPN can be completed
online at studentloans.gov. Eligible students will be awarded an
Unsubsidized Stafford Loan as part of their financial aid award.
Federal Direct Graduate PLUS Loan Program
Students who need to borrow additional funds beyond the
Federal Direct Unsubsidized Stafford Loan maximum stated
on the award letter may wish to consider applying for a Federal
Direct Graduate PLUS Loan. Graduate PLUS Loan interest
rates are set each year on July 1 and are fixed for the life of the
loan. The interest rate for the 2013–14 year is 6.41 percent.
Students who are credit-approved can borrow up to Suffolk’s
stated cost of attendance less other aid from all sources.
Currently the origination fee of approximately 4.288 percent
will be deducted from the loan amount at disbursement.
Graduate PLUS Loans are not listed on the initial award letter
until the loan has been requested by students and certified
by the Office of Financial Aid. Loans are subject to credit
approval. Students can initiate the borrowing process by
completing a PLUS request at studentloans.gov. New PLUS
Loan borrowers must also complete Entrance Counseling and
a Master Promissory Note (MPN) online at studentloans.gov.
Refer to www.suffolk.edu/law/federal for more information.
Additional Information
Get $mart!™
The Office of Financial Aid offers a financial literacy program
called Get $mart!™ Workshops and webinars are presented
on a variety of finance-related topics each year. You can find
information on this program as well as links to financial literacy
resources at www.suffolk.edu/law/get$mart!.
Federal Student Loan Deferment Information
If you have prior federal student loans, you may choose to
defer loan payments while you’re enrolled at Suffolk Law
School. To defer your loans, contact your current lender(s).
In addition, the Office of the Registrar transmits enrollment
records to the National Student Loan Clearinghouse. If your
lender(s) also participates in the Clearinghouse, your loan
deferment may occur automatically. You should continue to
make loan payments until you are notified by your lender(s)
that your deferment has been approved.
Students Studying (Visiting) at Another Law
School
If you intend to visit another law school during the summer,
fall, or spring semester, contact the Office of Financial Aid after
you confirm your arrangements. Visiting students who have
financial aid must have a completed Consortium Agreement
to receive federal funds from Suffolk while attending the
host school. Students visiting a foreign institution must have
a completed contractual agreement to be eligible for federal
financial aid from Suffolk while attending the host school.
Visiting students’ financial aid will be based only on credits that
will transfer back to Suffolk toward the law degree. Please note
that Suffolk Law School institutional funds are not transferable
if students visit another law school.
Reconsideration of Financial Aid Awards
Requests for reconsideration of financial aid awards should
be addressed in writing to the Office of Financial Aid and
must be accompanied with supporting documentation.
Reconsideration will be based only on new or changing
information that was not included in an original financial aid
application. We will mail you a revised financial aid award
letter if your award changes.
Satisfactory Academic Progress
Federal regulations require that students demonstrate
satisfactory academic progress (SAP) in their educational
programs in order to maintain eligibility for federal financial
aid. This progress is established and reviewed by the Office
of Financial Aid and is evaluated independently from the
academic and other standards set forth in the Law School’s
official rules and regulations. Given the two standards involved,
it is possible for a student to make SAP as determined by
the Office of Financial Aid, but fail to be in good academic
standing under the Law School’s rules and regulations or vice
versa. Please review the policy at www.suffolk.edu/law/sap.
Withdrawal and Leave of Absence
Students leaving Suffolk Law School for any reason must file
the appropriate forms through the Office of the Registrar or
contact the Dean of Students Office at 617-573-8157. Failure
to complete the appropriate forms may prove costly as students
may be assessed tuition charges for a semester they did not
complete. Students with federal loans must also complete Exit
Counseling prior to their departure.
Students withdrawing or dropping credits after a semester
begins will be assessed tuition charges in accordance with the
Tuition Liability Policy established by the Office of the Bursar.
The Office of Financial Aid is required to recalculate the
federal financial aid eligibility for students who withdraw,
drop out, are dismissed, or take a leave of absence prior to
completing 60 percent of a semester. In some cases, federal
loans already refunded to the student may need to be returned
to the lender. This could result in an outstanding tuition
balance owed to Suffolk University.
Loan Repayment Assistance Program
Suffolk Law School graduates who pursue a legal career in
public interest may apply for the Loan Repayment Assistance
Program (LRAP) in their last semester. Accepted program
participants receive reimbursements for payments on loans
borrowed for enrollment in Suffolk University Law School.
For more information, please visit www.suffolk.edu/law/lrap.
next steps
New Students
Your financial aid package is based on an estimated cost of
attendance, which includes tuition* as well as student fees, health
insurance, books, and living expenses. The living expense budget
is determined largely by whether you live with your parents/
family or independently. We encourage you to review and
understand your budget carefully and plan your expenses and
any related borrowing accordingly. The more you can control
and reduce your living expenses, the less your loan obligation
will be at graduation. Your cost of attendance represents the
maximum amount you can borrow from all sources, including
Suffolk aid, student loans, work study, employer tuition benefits,
and any other aid from outside sources.
For financial aid purposes, full-time status in the JD program
is ten or more credits per semester for Day Division students and
seven or more credits per semester for Evening Division students. If
you enroll in less than full-time, your tuition charges will be
$1,533 per credit (JD). You must inform the Office of Financial
Aid in writing of any changes in your course load.
On Own
JD Day
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
$45,922
$34,440
120
90
1,8401,840
1,250
920
942
942
18,297
18,297
Total$68,371
With Parent
JD Eve
JD Day
*Joint-degree and LLM students are charged on a per-credit basis.
JD/MPA
$ 1,550
JD/MSIE
$ 1,557
JD/MSCJ
$ 1,583
LLM
$ 1,939
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Apply for Federal PLUS or private, alternative loan(s), if needed.
Apply for PLUS or private, alternative loans, if needed.
Waive health insurance, if applicable, online at the Office of the Bursar’s
website.
For Federal Loan borrowers only: Complete your Promissory Note and
Entrance Counseling at studentloans.gov.
Waive health insurance, if applicable, online via the Office of the Bursar’s
website.
Submit final official undergraduate academic transcript to the Admissions
Office by June 1.
Receive Campus Cruiser and Suffolk email access. (It is your responsibility
to check these frequently for official Suffolk Law communications.)
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Complete required documents for Perkins and Trustee Loans through the
Bursar’s Office.
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Spring 2015
Federal regulations allow Suffolk University Law School to add the one-time cost of a computer
purchase to a student’s cost of attendance. If you wish to have this added to your cost of
attendance or would like more information on the program, please see the Computer Loan
Request form at www.suffolk.edu/law/computerloan.
2014–2015
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Financial Aid
Information
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for fall federal work-study applications
(available on the first day of classes).
Complete required documents for Perkins and Trustee Loans through the
Office of the Bursar.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Spring 2015
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for spring and summer federal work-study
applications (available on the first day of classes).
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
JD Eve
$60,820$48,978
$ 1,636
Make $500 seat deposit to the Office of the Bursar by April 15.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Total
JD/MSF
Summer 2014
$56,529
$45,922$34,440
12090
1,8401,840
1,250920
942
942
10,746
10,746
$ 1,700
SUMMER 2014
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
JD/MBA
Returning Students
Fax
617-305-3216
Phone
617-573-8147
Website
www.suffolk.edu/
law/finaid
Email
lawfaid@suffolk.edu
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Frequently Used Phone Numbers
the office of financial aid
Location
David J. Sargent Hall
120 Tremont Street
1st Floor
Boston, MA 02108
Visit the Office of Financial Aid for spring and summer work-study
applications (available on the first day of classes).
Fall & Spring Hours
Monday–Thursday
8:45 a.m.–6 p.m.
Friday
8:45 a.m.–4:45 p.m.
Summer Hours
Daily
8:45 a.m.–4:45 p.m.
General Number
617-573-8000
Dean of Students
617-573-8157
Health & Wellness Services
617-573-8260
Bursar
617-573-8407
Off-Campus Housing Office
617-573-8647
Library
617-573-8177
Admissions
617-573-8144
Professional &
Career Development
617-573-8148
Academic Technology
617-573-8352
Registrar
617-573-8160
Rappaport Center
617-573-8644
University Police
617-573-8333
Produced by OMC 021413
Cost of Attendance
next steps
New Students
Your financial aid package is based on an estimated cost of
attendance, which includes tuition* as well as student fees, health
insurance, books, and living expenses. The living expense budget
is determined largely by whether you live with your parents/
family or independently. We encourage you to review and
understand your budget carefully and plan your expenses and
any related borrowing accordingly. The more you can control
and reduce your living expenses, the less your loan obligation
will be at graduation. Your cost of attendance represents the
maximum amount you can borrow from all sources, including
Suffolk aid, student loans, work study, employer tuition benefits,
and any other aid from outside sources.
For financial aid purposes, full-time status in the JD program
is ten or more credits per semester for Day Division students and
seven or more credits per semester for Evening Division students. If
you enroll in less than full-time, your tuition charges will be
$1,533 per credit (JD). You must inform the Office of Financial
Aid in writing of any changes in your course load.
On Own
JD Day
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
$45,922
$34,440
120
90
1,8401,840
1,250
920
942
942
18,297
18,297
Total$68,371
With Parent
JD Eve
JD Day
*Joint-degree and LLM students are charged on a per-credit basis.
JD/MPA
$ 1,550
JD/MSIE
$ 1,557
JD/MSCJ
$ 1,583
LLM
$ 1,939
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Apply for Federal PLUS or private, alternative loan(s), if needed.
Apply for PLUS or private, alternative loans, if needed.
Waive health insurance, if applicable, online at the Office of the Bursar’s
website.
For Federal Loan borrowers only: Complete your Promissory Note and
Entrance Counseling at studentloans.gov.
Waive health insurance, if applicable, online via the Office of the Bursar’s
website.
Submit final official undergraduate academic transcript to the Admissions
Office by June 1.
Receive Campus Cruiser and Suffolk email access. (It is your responsibility
to check these frequently for official Suffolk Law communications.)
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Complete required documents for Perkins and Trustee Loans through the
Bursar’s Office.
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Spring 2015
Federal regulations allow Suffolk University Law School to add the one-time cost of a computer
purchase to a student’s cost of attendance. If you wish to have this added to your cost of
attendance or would like more information on the program, please see the Computer Loan
Request form at www.suffolk.edu/law/computerloan.
2014–2015
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Financial Aid
Information
fall 2014
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for fall federal work-study applications
(available on the first day of classes).
Complete required documents for Perkins and Trustee Loans through the
Office of the Bursar.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Spring 2015
Report aid from outside sources in writing to the Office of Financial Aid.
Report aid from outside sources in writing to the Office of Financial Aid.
Visit the Office of Financial Aid for spring and summer federal work-study
applications (available on the first day of classes).
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
JD Eve
$60,820$48,978
$ 1,636
Make $500 seat deposit to the Office of the Bursar by April 15.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Total
JD/MSF
Summer 2014
$56,529
$45,922$34,440
12090
1,8401,840
1,250920
942
942
10,746
10,746
$ 1,700
SUMMER 2014
Refund checks available beginning the first Friday of the semester via the
Office of the Bursar.
Tuition*
SBA Dues
Estimated Health Insurance
Books
Average Loan Fees
Living Expenses
JD/MBA
Returning Students
Fax
617-305-3216
Phone
617-573-8147
Website
www.suffolk.edu/
law/finaid
Email
lawfaid@suffolk.edu
Reapply for financial aid by completing a 2015–2016 FAFSA by April 1.
Refund checks available beginning the first Friday of the semester through
the Office of the Bursar.
Notify the Office of Financial Aid of any enrollment changes by completing
an Enrolled Credits Confirmation Form.
Frequently Used Phone Numbers
the office of financial aid
Location
David J. Sargent Hall
120 Tremont Street
1st Floor
Boston, MA 02108
Visit the Office of Financial Aid for spring and summer work-study
applications (available on the first day of classes).
Fall & Spring Hours
Monday–Thursday
8:45 a.m.–6 p.m.
Friday
8:45 a.m.–4:45 p.m.
Summer Hours
Daily
8:45 a.m.–4:45 p.m.
General Number
617-573-8000
Dean of Students
617-573-8157
Health & Wellness Services
617-573-8260
Bursar
617-573-8407
Off-Campus Housing Office
617-573-8647
Library
617-573-8177
Admissions
617-573-8144
Professional &
Career Development
617-573-8148
Academic Technology
617-573-8352
Registrar
617-573-8160
Rappaport Center
617-573-8644
University Police
617-573-8333
Produced by OMC 021413
Cost of Attendance