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When considering a Mount Olive College education, your first concern should not be the burden of how to pay for it. Certainly, paying for it is important. However, finding the “right fit,” the best education, and the most positive environment should be your top priority. Making college as affordable as possible is one of our major goals at Mount Olive College.

At Mount Olive College we believe every worthy and capable student should have an opportunity to attain a college education. So, throw out any ideas you have about not being able to afford a great education - we make college possible for students every day.

What is FAFSA?
The Free Application for Federal Student Aid (FAFSA) is used to determine what a family can contribute toward educational expenses per academic year.

To apply for need-based financial aid, you will need to submit a completed FAFSA. It is available at public libraries, local high school guidance offices, financial aid offices, or online at www.fafsa.ed.gov. You may complete the FAFSA any time after January 1.

The FAFSA asks for financial information about you and your family, like income and asset information, as well as your academic background. Within three to 4 weeks of the date you file your FAFSA, you and the financial aid office will each receive a Student Aid Report (SAR), based on the information you reported in your application. Be sure to check your SAR for errors and let us know if there are any corrections. We will develop a financial aid package for you based on the information in your SAR.

What are the requirements for receiving financial aid?

To be eligible for financial aid, you must meet the following general requirements:
US citizen or permanent resident
Officially accepted as a degree-seeking student to Mount Olive College
Maintain satisfactory academic progress in a major course of study
Not be in default on an educational loan or owe a refund on a grant received at another college

Administering over $12 million dollars annually in financial aid, Mount Olive College solidly proves that financial aid is making college possible for many students.

Financial Aid for International Students
International students wishing to study at Mount Olive College will be considered for academic scholarships based on merit and academic ability. Athletic scholarships may also be available to qualified athletes. Special talent scholarships in music and art may also be available. However, an audition or review of your portfolio is required. International students are not eligible to be considered for any federal or state financial aid programs.

All international students are required to show proof of financial support prior to issuing the I-20. If you are considering financial aid options for your studies in the United States, you may consider an alternative loan through a variety of lenders.

Building a Financial Aid Package
The first step to finding a financial aid package that works for you is knowing what’s available. You have three major options: Gift-aid, which is made up of scholarships and grants; self-help, which incorporates work-study; and loans.
Gift-aid includes grants and scholarships from resources that do not need to be repaid. Some of those resources include Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, North Carolina Legislative Tuition Grant, North Carolina State Contractual Scholarship, North Carolina Student Incentive Grant, Mount Olive College scholarships based on merit, athletic ability and talent and outside scholarships. Priority for North Carolina funds is given to applicants who submit the Free Application for Federal Student Aid (FAFSA) by March 15.

Self-help funds are reserved for needy students who are eligible for Federal Work Study. Most students choose to work to help offset their tuition cost.
Loans must be repaid. Usually, repayment does not begin until at least 6 months after the last day of full-time enrollment. Some of those programs include the Federal Perkins Loan and the Federal Stafford Loan program.

By combining institutional scholarships and grant programs with federal and state assistance, Mount Olive College makes college possible for deserving and qualified students like you.

What Else is Working in Your Favor?
North Carolina residents may receive financial assistance based on their state residency. For classes starting after February 1, 2008 you will need to complete the 2008-2009 NC Residency Form, click here . Mail the signed form to MOC Financial Aid Office, 634 Henderson Street, Mount Olive, NC 28365. No electronic forms or faxes please.

Several changes in the Taxpayer Relief Act of 1997 are specifically designed to benefit you as a student. It’s important to know what these laws are so you can take full advantage of them.

The Hope Scholarship Tax Credit
The Hope Scholarship tax credit allows families to claim an annual tax credit of up to $1,500 for each of the first two years of college for each eligible student. An eligible student is one who is carrying at least one-half the normal full-time course load at a qualified educational institution and is enrolled in a degree program.

A student or a taxpayer may claim the credit for his or her spouse or dependent children. Expenses for books, room, board, athletics, and insurance are excluded.

The Hope Scholarship tax credit is phased out for joint filers with $85,000 to $105,000 of annual adjusted gross income, and for single filers earning between $42,000 and $52,000 yearly. The credit can be claimed in two taxable years of college and by students who are enrolled at least half time for any portion of the years. For more information on tax credits, visit the IRS web site.

Lifetime Learning Tax Credit
The Lifetime Learning Credit is for students who are returning to college as juniors, seniors, graduate and professional students. The maximum credit a taxpayer may claim for a taxable year is $1,000 per family through 2002, and $2,000 thereafter. Also unlike the Hope Credit there is no limit to the number of years in which a Lifetime Learning Credit may be claimed.

The credit is available for tuition and required fees, less grants, scholarships and other tax-free educational assistance, for amounts paid on or after July 1, 1998, for post-secondary enrollment beginning on or after July 1, 1998.

Education IRA
Beginning January 1, 1998, taxpayers may deposit up to $500 per year into an Education IRA for a child under age 18. Parents, grandparents, other family members, friends, and a child may contribute to the child’s Education IRA, provided that the total contributions for the child during the taxable year do not exceed the $500 limit. Amounts deposited in the account grow tax-free until distributed, and the child will not owe tax on any withdrawal from the account if the child’s qualified higher education expenses at an eligible educational institution for the year equal or exceed the amount of the withdrawal.

Student Loan Interest Deduction
Beginning January 1, 1998, taxpayers who have loans to pay for the cost of attendance at an eligible educational institution generally may deduct interest they pay on student loans for themselves, their spouse, or their dependent(s).

The deduction is available only during the first 60 months in which interest payments are required on the loan-for payments due and made on or after January 1, 1998. The maximum interest that may be deducted varies from one tax year to another. We recommend that you to see your financial planner or tax consultant if you believe that you are eligible for this benefit.

Tuition and Fees
For information on tuition and fees by location and program visit the Student Accounts webpage or contact your location’s admissions staff below.

Mount Olive Traditional College: 1-800-653-0854
Mount Olive Evening College: 1-800-653-0854
Goldsboro (SJAFB): 919-735-5052
New Bern: 1-800-868-8479
Research Triangle Park: 1-888-258-5188
Washington: 1-866-316-1757
Wilmington: 1-800-300-7478

Other typical expenses traditional students will want to take into consideration when planning your budget include books, clothing, and entertainment. Traditional students usually spend between $500 and $600 on books per semester.

Students and their families should consider the cost of a college education as an investment that provides personal and financial dividends for a lifetime. Census Bureau statistics have consistently shown the annual income for a person with a college degree is more than 80 percent higher than for a high school graduate. In both earning potential and learning potential, you can’t beat the value of a college education.

Financial Aid at Fairleigh Dickinson University!

These pages are dedicated to helping prospective and current Fairleigh Dickinson University students apply for financial assistance. The Financial Aid staff at Fairleigh Dickinson is committed to helping you and your family understand and navigate the complexities of financial aid.

If you have additional questions concerning the Metropolitan Campus, we can be reached at 201-692-2363, for questions or concerns regarding the College at Florham, we can be reached at 973-443-8700.

Financing a college education is one of the most important investments a family will ever make. What surprises many families, however, is how affordable a private education at Fairleigh Dickinson University can be through our various financial assistance programs. Last year, Fairleigh Dickinson administered funds totaling $38 million, including $12 million distributed to new students; 85 percent of the members of our entering class received financial aid.

A college education is clearly one of the most significant investments you are likely to make in your lifetime. The staff in Dana College’s Student Financial Services Office is committed to work with you to make a Dana College education as affordable as possible.

In fact, Dana College may be much more affordable than you think. That’s because Dana awards a generous range of scholarships and grants. There are employment opportunities, loans and payment programs to lower the burden of college costs on every family. Last year alone, we awarded more than $6.43 million in Dana scholarships.

That you likely will complete your degree in only four years is another important factor that makes Dana affordable. Sixty-eight percent of Dana’s most recent graduates completed their degree in four years. Since the average college student in Nebraska takes 5-6 years to earn a degree, completing your studies in four years saves at least one or two years of college costs. Even better, it gives you two additional years of career earnings. Therefore, the Dana student who completes his or her degree in four years will see a minimum benefit of $50,000 in combined tuition savings and job income over the student who takes longer to graduate.

Why do students choose Concordia? Because they want something more out of their college education. At Concordia, we don’t just train you for a career; we prepare you for a meaningful, successful life.

Our international-themed curriculum—backed by our award-winning study abroad program—has made Concordia a leader in global education and given our students extraordinary language skills and a fresh, international perspective.
Our rigorous academic programs are infused with a world perspective and include plenty of opportunities for hands-on research, internships and co-op experience.
Our world-class faculty are committed to teaching. They’ll be your mentors, your friends and your partners in discovery.

Learn more about the Concordia difference:
Why Concordia?
Who Studies at Concordia?

How to Apply
Although admission to Concordia is selective—but fair—the process has never been easier. Just fill out our online application, send us your transcript, test scores and references, and we’ll get back to you with an answer in approximately 10 days. And of course Concordia welcomes international and transfer students.

Don’t forget to apply for financial aid. More than 95 percent of Concordia students receive financial aid. The average award—including grants, scholarships, loans and work study—is more than $18,000. Combine that with our quality programs and competitive tuition, and you can see that a Concordia education is not just a great investment; it’s a great value!

Visit Concordia
Schedule a campus visit, and you’ll understand what makes the Concordia experience so special. Sit in on a class, meet professors and coaches, and stay overnight in a residence hall.

Our mission is to provide our students and parents with the information, support and guidance needed to make the financial aid process easy and stress free. We hope that our website answers your questions about financial aid. Please feel free to contact us at anytime at 1-866-262-6363 or finaid@misericordia.edu. We look forward to serving you.

For over 84 years, Misericordia University has helped students and parents afford a superior college education. Through its participation in federal and state financial aid programs, use of institutional resources and contributions by alumni and friends, the student financial services office tries to meet , as fully as possible, each student’s financial need.

The university is eligible to participate in a full range of financial aid programs through the U.S. Department of Education. University scholarship and grant programs can make a difference in your “bottom line” cost. Depending on family income and other factors, Federal, State and University grant programs can have a significant impact on the amount you actually pay for a quality Misericordia education.

The Application Process - All students who wish to be considered for financial assistance must file the following two forms.

Misericordia University Application for Admittance - New students should complete and submit the application for financial assistance which is attached to the admissions application. All aid for which a student wishes to be considered should be indicated on the application. The application is then returned to the Admissions Office..www.misericordia.edu/apply

Free Application for Federal Student Aid (FAFSA - All students, regardless of their state of legal residence, must submit a “Free Application for Federal Student Aid.” The University uses the information collected on this application to determine eligibility for federal Stafford and Parent Plus loans as well as university administered need-based programs, including Perkins Loans, Supplemental Educational Opportunity Grants, Nursing Loans and Work-Study. Out of state students should check with their high school or state agency to determine eligibility for a grant from the home state. www.fafsa.ed.gov

Misericordia University
Title IV School Code is 00324700.

General Eligibility - Undergraduate Student - To be eligible for financial aid consideration you must:
1. Be a U.S. Citizen or eligible non-citizen with a valid Social Security Number.
2. Be enrolled at least half-time in a degree or certificate program at the University. Full-time enrollment is a minimum of 12 credits per term. Half-time enrollment is a minimum of 6 credits per term.
3. Be registered with the Selective Service, if you are a male 18 to 26 years of age.
4. Not owe a refund on a federal grant or be in default on any federal educational loan.
5. Be making satisfactory academic progress toward your degree and be in good academic standing, if you are a continuing student.
6. Must have a high school diploma. Opportunity to attend the college of their choice regardless of family income. For over seventy years, MisericordiaUniversity has helped students and parents afford a superior college education.

At Baldwin-Wallace College, education is life and life is education. You’ll cultivate a rich, integrated college experience that will be the foundation for all of your future endeavors. Through our unique core of liberal arts classes, you’ll learn to be curious, creative, and rigorous in everything you do. Internships, research projects, and service learning will put these skills to work while mentors guide you in getting a leg up on your career. And dozens of student organizations and intramural sports will ensure that no interest is left unexplored. To help you prepare for your future, B-W will develop your personal four-year Action Plan that will best focus our resources on your goals.

B-W is a small, supportive community. Your education will be a collaborative venture. Professors, career counselors, learning support staff —you’ll be surrounded by people as invested in your success as you are.

We invite you to explore B-W, both here and on our campus in Berea, Ohio, a picturesque community twenty minutes from downtown Cleveland.

Federal and state financial aid is available to students who need assistance with paying for their college education. At Springfield Technical Community College, the financial aid staff will assist you throughout the application process and provide you with the most current information available on its financial aid programs. We have outlined the various types of financial aid programs at STCC which include grants/waivers, federal work-study programs and loans. Please refer to the section FINANCIAL AID PROGRAMS for detailed information.

New students should bear in mind that the financial aid application is independent from the admission application process. Please complete the financial aid and admission application processes separately, following each individual set of guidelines, requirements, and deadlines

A Salem College education is one of the most important investments you will ever make. It is an investment not only for today, but also for tomorrow and indeed, a lifetime. While you and your parents are making a financial commitment to your education, Salem makes its own commitment to meet the full, calculated need of ALL our admitted candidates. Together, we can make it possible for you to attain a Salem College degree, a well-known mark of achievement.

Consider These Important Benefits:
Women who graduate from college earn 40 percent more than those who don’t.
Studies have shown that women who attend a women’s college hold higher positions and earn more money in their careers than other achieving women in coeducational schools.
Students who earn bachelor’s degrees are able to do so sooner at private colleges like Salem than at state institutions, avoiding additional tuition and beginning their careers earlier.

St. Norbert College knows that a college education is an investment in your future. We also know that scholarships and financial aid are critical to making college affordable. That’s why at St. Norbert, over 96% of our students receive scholarships or aid. St. Norbert offers academic scholarships in the range of $5,000-$13,000 annually—that translates into $20,000-$52,000 over four years.
Norbertine Scholars Award
In addition to other academic scholarships, all full-time students entering with a high school GPA of at least 3.4 and an ACT of 25 or higher will be awarded $8,000 on top of the academic merit based scholarships listed below. >> More information

Merit Based Scholarships

Scholarship recipients must maintain full-time enrollment status and achieve a specified minimum cumulative grade point average in order to continue receiving the scholarship. Because we are committed to ensuring you complete your education in four years, we offer scholarships, dispersed equally, for eight semesters.

Trustees Distinguished Scholarship
$44,000
Awarded to exceptionally talented students. The scholarship is awarded on an annual basis in the amount of $11,000 and is applied to tuition only. Students must maintain good social standing and a cumulative grade point average at St. Norbert College of at least 3.0.

Presidential Scholarship
$36,000
A competitive scholarship requiring strong college preparatory background. The scholarship is awarded on an annual basis in the amount of $9,000 and is applied to tuition only. Presidential scholars must be full-time students, maintain good social standing and a cumulative grade point average at St. Norbert College of at least 2.75.

John F. Kennedy Scholarship
$28,000
A competitive scholarship for full-time students with leadership potential; requires strong college preparatory background. The scholarship is awarded on an annual basis in the amount of $7,000 and is applied to tuition only. John F. Kennedy scholars must maintain good social standing and a cumulative grade point average at St. Norbert College of at least 2.5.

Van Dyke Award
$20,000
An award to full-time students to recognize quality academic preparation with participation in high school activities, community service projects and leadership roles. The scholarship is awarded on an annual basis in the amount of $5,000 and is applied to tuition only.

Norbertine Scholars Award
$8,000
Awarded in addition to other academic scholarships, for all full-time students entering with a high school GPA of at least 3.4/4.0 and an ACT of 25 or higher. The scholarship is awarded on an annual basis in the amount of $2,000 and is applied to tuition only. Students must maintain good social standing and a cumulative grade point average at St. Norbert College of at least 2.75. Not applicable for Nursing majors.

Let’s face it – a college education isn’t cheap. But it is an investment, and the quality of that investment can impact your future. While the dollars and cents are certainly important, it is also critical to consider the value of the education you will receive.

Saint Leo University prides itself on making an exceptional private education affordable for its students. Think you can’t afford a private education? Think again.