AFFORDING - NY · PDF file · 2014-11-26AFFORDING COLLEGE FINANCIAL AID INTERNET RESOURCES ... available funding. ... New York State Higher Education Services Corporation (HESC)

COMMISSION ON INDEPENDENT COLLEGES AND UNIVERSITIES

AFFORDINGCOLLEGE

FINANCIAL AIDINTERNET RESOURCES

NEW YORK’S 100+ COLLEGESAND UNIVERSITIES

2015 EDITION

Step 1 Check with each college’s financial aid office or website to determine which forms you needto file to be considered for all types of financialaid. Every college is different. Get your PIN(Personal Identification Number). If you intendto file your Free Application for Federal StudentAid (FAFSA) online (it’s quicker), you and yourparent(s) (if you are a dependent student)must apply for a PIN, which serves as yourelectronic signature and password for theFAFSA on the Web.* For more information,visit www.pin.ed.gov. Don’t wait to be accepted to a college before filing an application forfinancial aid. File as early as possible.

The most important financial aid applicationforms are:� FAFSA (Free Application for Federal

Student Aid) – Everyone applying for federal and most other financial aid mustcomplete this free form. File online atwww.fafsa.ed.gov or by mail. To request apaper FAFSA, call 1.800.4.FED.AID.

� NYS TAP Application – NYS residents attending a college in NYS use this free form with the FAFSA to apply for a NYS TAPgrant and to request payment of NYS scholarship awards. Complete the onlineTAP application by linking to it directlyfrom your FAFSA Confirmation Page. Even ifyou use a paper FAFSA, you can still doyour TAP application online. You will beprompted to get a NYSHESC PIN (PersonalIdentification Number) to “sign” your onlineTAP application. If you don’t apply for TAPonline you can request an Express TAPApplication (ETA) by contacting the

Choosing where to go to college is an important decision! When you consider whichcolleges to apply to, never let “sticker price”stop you from looking at colleges that may beright for you. Colleges want you to attend andwill help students pay for college with grants,scholarships and other aid money, making private colleges often no more expensive – and sometimes less costly – than state colleges. If you need financial aid to help meetcollege costs, you are very likely to receive it.

Read on to learn about paying for your college education.

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Six Steps to Financial Aid

Step 2 Submit the FAFSA as soon as possible afterJanuary 1 (of your senior year in high school)to ensure that you are considered for all available funding. If your family hasn’t yetcompleted its income tax returns, estimateyour family’s income as accurately as possible(from end-of-year pay stubs or W-2 forms). You’llhave the opportunity to make corrections laterin the process. If you’re a NYS resident applyingto colleges in the state, make sure you includea New York college on your FAFSA to beginapplication for a NYS TAP grant. Complete anyother financial aid forms required by the colleges.It is very important to meet all deadlines and tokeep a copy of all the forms you file.

By filing the FAFSA, you will be considered for:� Grants and scholarships from private colleges and universities (some collegesmayrequire an additional form)

� Federal Pell Grant� Federal Supplemental EducationalOpportunity Grant (FSEOG)

� Federal Work-Study (FWS)� Job programs from private colleges and universities

� Federal Perkins Loan� Federal Direct Loan

Step 5Review your financial aid award letters andcompare your net costs. Decide which collegeto attend and let the college know by thedeadline they have indicated – usually by May 1. Then, review your financial aid withyour chosen college. In particular:

� If federal student loans are part of your package, the college will send instructionsabout the loan application process. You will need to complete and sign a formcalled the Master Promissory Note (MPN)and Entrance Counseling session onwww.studentloans.gov in order to receivefederal student loans (e.g., Direct Loanfunds). Keep track of how much you areborrowing and the loan repayment termsand conditions.

� NYS students attending college in thestate: Follow up on your NYS Tuition Assistance Program (TAP) grant. Visitwww.hesc.ny.gov to review, and if necessary,correct the data on your TAP application.

Step 6 Make sure you know what you need to do to keep your financial aid, such as requiredgrades and coursework. And, you mustapply to renew your financial aid eachyear – on time – or risk losing it! Check yourcollege’s deadli nes.

Step 4 In the spring (usually March or April), you’llreceive financial aid “award letters” or “packages” from the colleges that haveoffered you admission, each with a differentcombination of grants, scholarships, work-study and loans to help you meet college expenses. Determine your “net cost” by subtracting from tuition and fees and roomand board (if you’re living on campus) allgrants and scholarships plus the total amount of your student loans.

Step 3 You will receive your Federal Student AidReport (SAR) via email after submitting yourFAFSA on the Web (recommended). Reviewyour SAR’s information carefully. Follow thedirections to correct any errors.

New York State Higher Education ServicesCorporation (HESC) at www.hesc.ny.gov orby calling 1.888.NYSHESC. HESC is the stateagency that processes the TAP application.The ETA will be pre-filled with informationfrom your FAFSA. If you provide your emailaddress on your FAFSA, HESC will be ableto process your TAP application faster. If noemail is provided, you will be notified by letter.

� PROFILE – Some colleges may ask you to filethe CSS Financial Aid PROFILE form to be considered for college-funded aid (the college’s own grants and scholarships). Visithttp://student.collegeboard.org/CSS-financial-aid-profile. There is a fee for filingthis form.

� College-specific financial aid application–Some colleges may ask you to complete the college’s own financial aid applicationto be considered for their college-fundedgrants, scholarships and loans. Check witheach college for applications, requirementsand deadlines.

Visit www.nycolleges.org, New York’s 100+ private colleges and universities’ admissions and financial aid website.

*Note: In spring 2015, the login process will change,replacing the current PIN system. The new login willask you to create a username and password.

Nearly 9 out of every 10 students receivefinancial assistance to attend college. Each year, NewYork’s Independent Sector provides to students more than$4.6 billion in institutional grants and scholarships.

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Applying for Financial AidFile the FAFSAComplete and mail the Free Application for Federal Student Aid (FAFSA) as soon aspossible after January 1. If your family hasn’t yet completed its income tax returns,estimate your family’s income as accurately aspossible. You’ll have the opportunity to make corrections later in the process.

Some colleges may ask you to complete thecollege’s own financial aid application to beconsidered for their college-funded grants,scholarships and loans. Obtain the forms fromthe colleges, if required, and be sure to meetthe filing deadlines.

When you file the FAFSA, you will be considered for:� Grants and scholarships from private colleges and universities (some colleges mayrequire an additional form)

� Federal Pell Grant� Federal Supplemental EducationalOpportunity Grant (FSEOG)

� Federal Work-Study (FWS)� Job programs from private colleges anduniversities

� Federal Perkins Loan� Federal Direct LoanThe information you supply on your FAFSA isanalyzed using a federal formula, establishedby Congress, to assess your family’s financialsituation. The analysis considers your family’sincome and assets (about 5.6 percent), manyexpenses, the size of the family and parents’need to save for retirement. In addition toestablishing your eligibility for the programsbulleted above, the results of the analysis willestimate how much you (Student Contribution)and your parent(s) (Parent Contribution) can reasonably contribute toward collegecosts for the year, no matter the cost of college. This is known as the Expected FamilyContribution (EFC).

The federal formula used to determine yourEFC is complex. As every family is unique,use the chart at right as a general guide.

The colleges you list on your FAFSA will receiveyour EFC analysis and put together a “financialaid package” to help you meet your financialneed. See pages 4-5 for more about financialneed and financial aid packages.

Facts about the Expected FamilyContribution (EFC)� For federal financial aid, your EFC is calculated in the same way at each collegeand should not change regardless of theprice of the college you choose.

� The Parent Contribution for federal financialaid is calculated using a national formulathat considers income, taxes paid, familysize, savings, certain assets, certain debts,number of children in college and the ageof parent(s).

� The EFC figure may be pushed higher orlower with variations in other factors (forexample, if just one parent works, the ageof the older parent, the size of your family).

� The Parent Contribution is roughly dividedby the number of children attending college at least half time.

� Colleges may consider special financialhardships. Document extraordinary circumstances that affect your family’s ability to contribute and submit a writtenexplanation directly to the financial aid office.

Sample Expected Family Contribution (EFC) for College Costs Calculated from the FAFSANet worth(assets minus what is owedagainst these assets; home Up to $43,900 $80,000equity is not considered)

Family size 4 5 4 5(both parents working)Number in college 1 1 1 1

Total incomebefore taxes EFC EFC EFC EFC

$0 - $25,000$30,000$40,000$50,000$60,000$70,000$80,000$90,000$100,000$110,000$120,000

Based on 2014-2015 federal methodology; parent age 45; two parents working.

NOTE: EFC is lower if family size is larger, if number in college is greater (with two in college roughly half the EFC per child), if two parents are working, or if parent is older than 45 years of age.

Always apply for aid Even if you think you’re not eligible for aid or did not receive ai d for a prior year, apply.Financial aid programs and family situationscan change. Don’t limit your choices now or in the future.

$0$0$0

$1,784$3,668$6,066$9,423$13,387$17,351$21,315$25,280

$0$0

$1,337$3,192$5,292$8,190$12,036$17,688$21,653$25,617$29,582

$0$0

$881$2,738$4,622$7,020$10,377$14,341$18,305$22,269$26,234

$0$0

$989$2,844$4,944$7,842$11,688$15,652$19,617$23,581$27,546

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Building a financial aid packageWhen the colleges you listed on your FAFSA receive your EFC (Expected FamilyContribution) analysis, each college willbuild a financial aid “package” or “award” foryou. Each college’s financial aid package willbe composed of different types of financialaid to help you cover all or part of the college’s cost of attendance (tuition, fees,room and board, books, transportation, personal expenses). The financial aid packages you receive will depend primarilyon your calculated financial need (seeexplanation below) and the availability offunds at each college. Remember, every college is different. Your academic profile andother achievements may influence the sizeand composition of any merit-based aid in your package. Colleges have very littleflexibility in awarding need-based aid.

What is Cost of Attendance (COA)?A college’s published Cost of Attendance(COA) or Annual College Cost is the cost toattend the college for an academic year. The COA is the sum of the following directand indirect costs:

� tuition� estimated fees, such as an activities feeand any mandatory insurance

� room and board� estimate for books� estimate for transportation � an estimate for personal expenses

Your bill from the college you choose toattend will include the direct costs oftuition, required fees, housing and a mealplan (if applicable). The other costs in theCOA, the estimated indirect costs associatedwith attending the college for the academicyear (travel, books, and personal expenses),you will pay as needed. Be sure to includethese estimates in your college comparisons.

What is financial need?Financial need is the difference between acollege’s annual COA and your expectedfamily contribution (EFC). As every family isdifferent, with a different EFC (see page 3),each college will calculate a unique packagefor every student. Since college costs vary,the packages you receive from the collegesthat accept you for admission will all be different.

Families in the sample packages on the nextpage have one child in college. If, however,your family has two children in collegerather than one, your calculated EFC will bedivided roughly in half between the twochildren. Remember that for federal aid, theEFC is calculated in the same way and willnot change regardless of the college cost.The EFC figure may be pushed higher orlower with variations in other factors (forexample, if just one parent works, the age ofthe older parent, the size of your family).

In addition to the EFC, other variables maycome into play in the composition of a college’s financial aid package:

� the amount of money available for aid atthe college – some colleges have greaterresources than others;

� a student’s special talent or academic ability – some colleges will award studentsmerit-based aid for special strengths ortalents;

� grants or scholarships from other sources(e.g., state grants or scholarships, private scholarships or awards).

$ Annual College Costof Attendance (COA)

– $ Your Family’s Expected Contribution (EFC)

=$ Your Financial Need

Questions to ask the college� Which forms are required to be considered for all forms of aid?

� What are your requirements for merit aid? For need-based aid?

� What are the aid renewal requirements?

� What are the financial aid application deadlines?

� Are there state aid programs I should know about?

� When will you notify me of my aid eligibility?

� How will outside scholarships affect my financial aid package?

� Do you have a monthly payment plan?

Since 1974, New York’s TuitionAssistance Program (TAP) has providedgrants to New Yorkers studying full timein an undergraduate program at a college or university in the state helpingmore than 5 million students achieve acollege education. Today, TAP helpsmore than 305,000 moderate incomestudents meet college expenses.

Your College Aid Packages

Financial aid packages Private colleges with traditional deadlines willbegin mailing financial aid awards in the spring.Every financial aid award letter will be different. When you receive your award letters, evaluate them carefully, assess thedirect and indirect costs associated withattending each college, choose the collegeyou will attend, and accept its offer by thestated deadline. If you don’t, you may lose it.Notify all the colleges towhich you applied ofyour final decision.

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FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA)Estimated Family Contribution (EFC)

Family of 4, 1 in college Family’s NeedNYS Resident Institutional Grant/Scholarship

Federal Grant (Pell and/or FSEOG) Family Adjusted Gross Income (AGI) NYS TAP Grant*$20,000 Work-Study

Federal Loans (Direct and/or Perkins)Total Financial Aid Package



Federal Grant (Pell and/or FSEOG)Family Adjusted Gross Income (AGI) NYS TAP Grant*$60,000 Work-Study






FRESHMAN LIVING AT HOME Cost of Attendance (COA)(COMMUTER) Estimated Family Contribution (EFC)Family of 4, 1 in college Family’s NeedNYS Resident Institutional Grant/Scholarship



Note: Other state, federal or private grants, scholarships or loans may be available but are notreflected in the sample packages.

Sample financial aid packagesThe tables below show examples of financial aid packages from different colleges for severaldifferent families. You will notice that each financial aid package contains different amountsof aid. The amount of aid awarded in a financial aid package will vary based on a family’sEFC, federal and state aid funding levels, and the resources available at each college.

Every package, however, typically includes most of these components: grants and/orscholarship from the college, from the federal government, and from the state; federal work-study; student loans; and other aid. Refer to the left column for explanations of the elements in these packages.

$40,000- 040,00023,6055,7305,1652,0003,500

$40,000

$50,000- 4,94445,05637,4431,180933

2,0003,500

$45,056

$35,000- 9,07525,92519,925

0500

2,0003,500

$25,925

$15,000- 98914,0116,4233,2803,3081,000

0$14,011

Elements of a collegefinancial aid package1. Consideration of a Family’s UniqueInformationAnalysis of the data supplied on the student’sFAFSA results in an Expected FamilyContribution (EFC) – a calculated estimation of the amount the family can reasonably contribute toward college costs. Income is just one of several variables considered in thefederal formula (see page 3 for more).

2. The Family’s Contribution (EFC)2a. The calculated EFC determined from the

family’s unique FAFSA data, plus

+2b. A minimum Student Contribution fromthe student’s summer earnings, savings,etc. (this will be specific to each college).

3. The College’s CostThe annual Cost of Attendance (COA) includescost of tuition, estimated fees such as an activities fee and any mandatory insurance,room and board, an estimate for books, transportation, and personal expenses.

4. Putting a Package Together: Family’sNeed for AidThe college subtracts the family’s EFC from the COA and arrives at the family’s need (COA – EFC = Need) for federal financial aidprograms, some state programs, and in somecases, for the college’s own aid.

Note: Colleges that request another financial aid form inaddition to the FAFSA do so to look more closely at the family’s financial situation before awarding institutional aid (aid from the college itself).

5. Family’s Financial Aid Package from the College Each college’s financial aid package mayinclude all or some of the types of aid below.See pages 6-10 for more information aboutthese programs.

a. Grant or Scholarship from the private college or university (page 6)

b.NYS TAP Grant* (page 6-7)c. Federal Pell & FSEOG Grant (page 6-7)d.Federal Work-Study (page 8)e. Federal Direct & Perkins Loans (page 8)f. Total Financial Aid Package: Depending onthe college and the amount available forgrants or scholarships from the college’sown funds, the total financial aid packagemay cover all of the family’s need or mayleave an amount not met by the aid programs listed above, called “unmet need.” If this occurs, there are other alternatives.

*Program for New York State residents.

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Grants and scholarships are fundsyou do not have to repay. They are available from colleges, your state, thefederal government, professional and service organizations, private foundationsand many employers. Some grants arebased on your financial need while othersare awarded for academic merit, a specific career goal, special talent orgroup affiliation.

Work-Study programs provide opportunities to earn money while you’re in college by working part time on campus or in the community.

Educational loans for college costs may be made to you and/or your parents.This aid must be repaid, usually with interest. Some loans are based on financial need. Federal education loan programs most often provide the lowestinterest rates. These include: federal Direct loans, federal Perkins loans, and federal PLUS loans.

Alternatives for parents and studentsmay include interest-free monthly tuitionpayment plans, federal PLUS loans, lines ofcredit, tuition tax deductions and credits.

According to the U.S. Bureau ofLabor Statistics, in 2013, bachelor’sdegree recipients age 25 and overearned 70% more a week thanthose with a high school diploma.Source: Bureau of Labor Statistics,www.bls.gov/emp/ep_chart_001.htm. AccessedAugust 27, 2014.

Financial Aid Programs � Eligibility for Pell is based on financial needdetermined by total income, net worth(excluding home and family farm equity),family size and the number of children incollege. To apply, file the FAFSA.

Federal Supplemental EducationalOpportunity Grants (FSEOG)� Funded jointly by the federal governmentand the colleges, FSEOG awards range from$100 up to $4,000 per year to full- or part-time enrolled undergraduate students withfinancial need who are Pell Grant recipientswith the lowest EFCs. Colleges select recipients and determine award amountsbased on the FSEOG funds available at theircollege. To apply, file the FAFSA.

NYS Tuition Assistance Program (TAP) grants at private colleges anduniversities = $231 million�

� TAP is a grant program for NYS residentsattending a NYS college full time. In 2014-2015, awards for first-time freshmen at private colleges and universities rangedup to $5,165 per year for up to four years (fiveyears for certain programs).

� Eligibility for TAP is based on NYS nettaxable income plus state, federal or localgovernment pension income. The chart onpage 7 shows TAP awards at selected federal adjusted gross incomes minus NYSexemptions and standard deductions. Note: if you itemize your deductions, yourestimated NYS taxable income will be lowerand your TAP award will be higher.

Major Sources of Aid

Grants and ScholarshipsGrants and scholarships from NYS private colleges and universities = $4.6 billion�

� Aid from a college may range up to$60,000 and sometimes more per year,covering part or all of your tuition, feesand related costs. Eligibility is determinedprimarily by financial need as calculatedfrom the financial aid forms you completed(need-based awards). Colleges may alsotake into account academic achievement,or talent in athletics, music or other fields(merit awards).

� To be considered for grants and scholarships from many private collegesand universities, you’ll be asked to file the FAFSA. An additional college-specificfinancial aid application or the PROFILEmay also be required. Check with eachfinancial aid office to determine whichforms you need to complete to be considered for all need-based and merit-based aid. See pages 12-15 for collegecontact information. File the FAFSA assoon as possible after January 1. File all other financial aid forms by their specified deadlines.

Federal Pell Grants at NYS private colleges and universities = $476 million�

� Pell Grants are awarded to undergraduatestudents enrolled full or part time in adegree or approved certificate program. In 2014-2015, Pell Grant awards ranged upto $5,730 per year. (See chart on page 7.)

Institutional Grants

Pell

TAP

1980 1990 2000 2013

Tuition Assistance Program (TAP), Pell, and InstitutionalGrants at Private Colleges and Universities in New York

$5.0

$4.0

$3.0

$2.0

$1.0

$0

� Source: National Centerfor Education Statistics;Higher EducationServices Corp. annualreports; NationalAssociation ofIndependent Collegesand Universities.

(billi

ons o

f doll

ars)

$476 million

$4.6 billion

$231 million

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� The TAP application process begins withthe FAFSA. To apply for a TAP grant, youmust file a paper or online FAFSA and lista college in New York. Students completingthe FAFSA online may file the TAP application by linking to it directly fromyour FAFSA Confirmation Page. If you donot begin the online TAP applicationwhen you file the FAFSA online, or if youcomplete a paper FAFSA, you will receivenotification from HESC by email or postcard inviting you to complete the online TAP application. You may alsorequest a paper ETA at that time by contacting HESC at www.hesc.ny.gov or calling 1.888.NYSHESC.

Part-time TAP � New York State residents enrolled in aNYS college part time (6-11 credits) and have completed 12 credits in each of twopreceding semesters with a minimum 2.0 GPA will be eligible to receive Part-time TAP depending on need. Visitwww.hesc.ny.gov, or call 1.888.NYSHESCfor more information.

TEACH Grant (Teacher EducationAssistance for College and HigherEducation) � TEACH is a federal grant providing up to $4,000 per year to eligible studentsattending a participating institution whointend to teach in a public or private elementary or secondary school thatserves students from low-income families. For more information, visitwww.studentaid.ed.gov and search for“TEACH Grant.”

NYS Tuition Assistance Program (TAP) Awards

Parent income Estimated NYS TAP awards at NYS privatebefore taxes (AGI) net taxable income colleges and universities

$0 - 23,600 $ 6,200 $5,16525,000 7,600 5,12335,000 17,600 4,22545,000 27,600 3,03355,000 37,600 1,83365,000 47,600 63375,000 57,600 50085,000 67,600 50095,000 77,600 50097,400 80,000 500

NOTE: Based on 2014-2015 dependent undergraduate TAP award schedule (2014 NYS standard deduction); family of 4 with 1 in college. TAP is based on total NYS taxable income; untaxed income is not a factor.

Scholarships from private sources� Grants and scholarships are availablefrom many community and private organizations. Check with your school counselor, public library, employer,Chamber of Commerce, union, church,community and special-interest organizations.

Federal Pell Grant Program Awards 2014 – 2015

A family of 4 A family of 5 A family of 4 A family of 5one wage earner one wage earner two wage earners two wage earners

Number in college 1 2 1 2 1 2 1 2

Parent income before taxes

$0 – 25,000 $5,730 $5,730 $5,730 $5,730 $5,730 $5,730 $5,730 $5,73035,000 5,180 5,080 5,730 5,680 5,730 5,580 5,730 5,73040,000 4,180 4,680 5,280 5,180 5,080 5,080 5,730 5,58045,000 3,280 4,180 4,380 4,680 4,180 4,580 5,180 5,18050,000 2,280 3,680 3,380 4,280 3,280 4,180 4,280 4,68055,000 1,180 2,980 2,480 3,680 2,280 3,580 3,380 4,18060,000 0 2,280 1,380 3,080 1,180 2,980 2,380 3,68062,000 0 1,980 880 2,880 680 2,680 1,980 3,48065,000 0 1,380 0 2,380 0 2,180 1,280 3,08070,000 0 0 0 1,580 0 1,380 0 2,38075,000 0 0 0 0 0 0 0 1,480

NOTE: Based on 2014-2015 federal methodology; award amounts based on 2014-2015 schedule.

Student LoansFederal Direct Loans � Depending on your financial need and statusas a dependent or independent student,there are two types of Federal Direct Loanswith varying interest rates and borrowinglimits:

• Subsidized Direct Loans are available only for undergraduate study. Loans first disbursed between July 1, 2014 and June 30, 2015 have a fixed interest rate of4.66% for the 2014-2015 academic year.The interest on Subsidized Direct Loans isbased on a student’s financial need as calculated from the information on theFAFSA. There is no income cutoff as long as you demonstrate need. Please see thetable on page 9 for more information.

• Unsubsidized Direct Loans have a fixedinterest rate of 4.66% (for loans first disbursed between July 1, 2014 and June 30, 2015) and are not based on financial need. Undergraduate studentsmust exhaust their Subsidized Direct Loans(if eligible) prior to using unsubsidizedloans. The interest on Unsubsidized DirectLoans accrues while the student is enrolledin college, although payments can bedeferred until after graduation.

� Undergraduate students may borrow up to $31,000 in Direct Loans, of which no more than $23,000 may be Subsidized.Graduate and professional students may borrow up to $138,500, of which no morethan $65,500 may be from Subsidized undergraduate Direct Loans. Borrowing limits for students in medical school are higher.

� Repayment begins six months after you’re no longer enrolled at least half-time. See the table on page 9 for annual Direct Loanlimits for undergraduate and graduate study.

� To apply for federal student loans, studentsmust first complete the FAFSA.

Work-StudyFederal Work-Study program (FWS)� Eligibility is based on financial need.Students usually work 10 to 15 hours perweek during the academic year. To apply,file the FAFSA.

Job programs from private colleges and universities� Check with the college’s financial aidoffice for on-campus job availability.

� Community service jobs are also available for work–study students.

Federal Perkins Loans� In 2014-2015, undergraduates may borrowup to $5,500 per year; up to $27,500total for undergraduate study. Graduate/ professional students may borrow up to$8,000 per year. The maximum total for all years of study is $60,000. The federal government will pay the fixed 5% interest until you begin repayment.Repayment begins nine months after youare no longer enrolled at least half time(up to 10 years to repay). Exceptionalfinancial need and the availability offunds determine eligibility. To apply, filethe FAFSA.

Alternatives forParents and StudentsFederal PLUS Loans PLUS Loans for parents of dependent undergraduate students

� PLUS is a federal loan program where parents and/or stepparents may borrowup to the cost of attendance, less other financial aid, each year for eachundergraduate dependent childenrolled at least half-time. Eligibility is not based on need but parents musthave acceptable credit history or an eligible co-signer. PLUS Loans can beused to meet the calculated family contribution.

� The interest rate is fixed at 7.21%.Repayment begins upon disbursement,and borrowers may have up to 10 years to repay. Interest may be tax deductible.

� Check with the college for applicationprocedures.

PLUS Loans for graduate and professional degree students

� Graduate and professional degree students may borrow through the PLUS Loan program up to their cost ofattendance minus other aid. Studentsmust have first applied for maximumloan eligibility under the Direct Loanprogram and must have acceptablecredit history.

� To apply, students complete the FAFSAand a Direct PLUS Loan application.Check with the college for loan application procedures.

With grants, scholarships and other aid money, private colleges are oftenno more expensive – and sometimesless costly – than state colleges.

Changes in federal student aid eligibilityEligibility criteria for Federal Student Aid for students who enroll in college after July 1, 2012,have changed. Students enrolling after July 1,2012, must show that they qualify for highereducation by:

� Having a high school diploma or recognizedequivalent such as a General EducationDevelopment (GED) certificate, or TestAssessing Secondary Completion (TASC™) or

� Completing a high school education in ahome-school setting approved under state law.

Financial Aid Programs Major Sources of Aid

Did you know that the amount you pay at a private college or universitycould be less than what you would payat a public institution? Most private colleges provide institutional aid (aiddirectly from the college or university)to help students cover expenses. InNew York, that student aid is morethan $4.6 billion annually!

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Interest-Free Monthly Payment Plans� Interest-free, insured, monthly installmentplans are available at many colleges forpayment of tuition, fees, room and boardand other expenses. Generally, 10- or 12-month payment options are available at no interest. Check with the college.

AmeriCorps� AmeriCorps is a federal volunteer program; participants serve for 10 to12months. At the completion of service, full-time participants receive an educationaward that is equivalent to the maximumvalue of the Pell Grant for the award year inwhich the term of service is funded. Thevoucher may be used to pay off qualifiedstudent loans or pay for future educationexpenses at qualified schools. For moreinformation call 1.800.942.2677, or visitwww.americorps.gov.

Federal Tax Incentives� The Federal government offers tax creditsand deductions to families and studentswith qualifying education expenses,including tuition and related fees, booksand other required course materials paidfor higher education. Interest paid onqualifying student loans may also bededucted to reduce the amount of yourincome subject to tax by up to $2,500. For more information, contact your taxadvisor.

Ways your aid may changeFinancial aid counselors see it all the time – a student loses his or her financial aid and has no idea why.Financial aid – whether it is loans, scholarships or grants – usually comeswith strings attached. It is important tokeep on top of your grants, scholarshipsand loans – and understand what isrequired to keep your awards. Here arethe most common ways students lose orwill see changes in their aid from oneyear to the next:

1 Not showing adequate progresstoward your degree.

2 Not maintaining at least a 2.0 GPA overall – not just in your major.

3 Not finishing at least 70 percent of the classes you take.

4 Not knowing all of the conditions of your aid. Some stipulations to maintain aid go beyond these minimums.

5 Your family’s financial situationchanged resulting in a higherExpected Family Contribution(need-based aid).

6 Your sibling(s) graduated from an undergraduate program.

Source: Adapted from EduGuide.org

Dependent Students Total Annual Limit for Interest Rate(whose parents were Subsidized and Unsubsidized not denied a PLUS Loan)* Direct Loans

Freshmen $5,500 (no more than $3,500 subsidized) 4.66% fixed Sophomores $6,500 (no more than $4,500 subsidized) for new loans Juniors and Seniors $7,500 (no more than $5,500 subsidized) July 1, 2014 - June 30, 2015**

Graduate and Professional Students

Graduate and $20,500 6.21% fixedProfessional Students (unsubsidized only)Graduate and professional students enrolled in certain health profession programs may receive additional unsubsidized Direct Loan amounts.

Source: Adapted from www.direct.ed.gov, October 2014. *Independent students and dependent students whose parents were denied a PLUS Loan are able to borrow an additional Unsubsidized Direct Loan. **Subsidized Direct Loan interest is subject to change after June 30, 2015.

Federal Direct Loan Limits, 2014-2015 Academic Year*

New York State College Tuition Tax Credit/Deductions� New York State taxpayers may take either a: 1) tax credit or an itemized tax deductionfor college tuition expenses at an in-state or out-of-state institution fortheir dependent’s, spouse’s or their ownundergraduate study; or,

2) itemized deduction for qualified collegetuition expenses up to a maximum of$10,000 for each eligible student.

For more information consult your tax advisor or go to: www.hesc.ny.gov andsearch for “tuition tax credit.”

New York’s College Savings Program� Start a college savings program with aminimum $25 deposit. You need not be a NYS resident, although NYS taxpayerscan receive a NYS income tax deductionfor contributions up to $5,000 annually(up to $10,000 for married couples filingjointly). Qualified withdrawals are exemptfrom state and federal income taxes.Savings may be used to meet collegecosts at any eligible college or university.For details: 1.877.NYSAVES orwww.nysaves.org

Major Sources of Aid

Other ProgramsHigher Education OpportunityProgram (HEOP)

� HEOP is a comprehensive program for academically and economically disadvantaged NYS students. It providesfinancial aid to cover the majority of collegecosts, academic tutoring and educationalcounseling. Colleges and universities thatcurrently offer HEOP may be found at:www.nysed.gov (search “HEOP”).

Other Scholarships/Grants � Learn more at www.nycolleges.org orwww.hesc.ny.gov.

• Aid for Part-Time Study (APTS)†:contact your college.• Flight 3407 Memorial Scholarship:1.888.NYSHESC• Flight 587 Memorial Scholarship:1.888.NYSHESC• Military Service Recognition Scholarship(MSRS): 1.888.NYSHESC• NYS Aid to Native Americans†: 1.518.474.0537• NYS Math and Science TeachingIncentive Scholarship: 1.888.NYSHESC• NYS Memorial Scholarship for Families of Deceased Firefighters, VolunteerFirefighters, Police Officers, PeaceOfficers, and Emergency Medical ServiceWorkers: 1.888.NYSHESC• NYS Recruitment Incentive and RetentionProgram (RIRP) - Army National Guard†:www.dmna.state.ny.us/education• NYS Regents Award for Children ofDeceased and Disabled Veterans†: 1.888.NYSHESC• Scholarship for Academic Excellence†: contact your guidance office.• Veterans Tuition Awards†: 1.888.NYSHESC• World Trade Center MemorialScholarship: 1.888.NYSHESC

Veterans Education BenefitsFor veterans with active duty service, thereare a number of programs available to helpwith the costs of college. For example, thePost-9/11 GI Bill provides students attendingprivate colleges and universities in New YorkState up to $20,235 for attendance betweenAugust 1, 2014 and July 31, 2015. Theamount changes annually. In some cases, this benefit can be transferred to other family members. For program overviews, visit www.gibill.va.gov/benefits/index.html.In addition, several private, not-for-profit colleges and universities in New York Stateare participating in the Yellow RibbonProgram, a matching program that will cover some or all of any tuition and feecharges not covered by the Post-9/11 GI Bill. For additional information, visitwww.benefits.va.gov/gibill/post911_gibill.aspand consult with the veterans certifying official at the college or university you areconsidering.

ROTC ProgramsThe Army, Marine Corps, Navy, and Air Forceoffer financial assistance to qualified students.Scholarships may range up to full tuition plusfees, books and uniform; a monthly stipendmay also be awarded. Students incur a serviceobligation (generally for a total of eight years)in return for a four-year scholarship (somethree-, two- and even one-year scholarshipsare available).

The application deadline is usually in December of the high school senior year. For a list of ROTCprograms at private colleges and universities inNew York go to: www.nycolleges.org (search“ROTC”).

† New York State programs for New York State residents.

10

Loan Forgiveness Programs• District Attorney and Indigent Legal ServicesAttorneys Loan Forgiveness Program†:1.888.NYSHESC• Licensed Social Worker Loan ForgivenessProgram†: 1.888.NYSHESC• Loan Forgiveness for Public ServiceEmployees: 1.800.4.FED.AID• New York State Young Farmers LoanForgiveness Incentive Program:1.888.697.4372• Perkins Loan Cancellation Programs:1.800.4.FED.AID• Direct Loan Forgiveness for Teachers: 1.888.NYSHESC

Financial Aid Programs InternetResources• Go College! NY – A website designed especially for students new to the collegesearch process: www.GoCollegeNY.org• College Navigator, a U.S. Department ofEducation website, allows students tosearch colleges and universities:www.nces.ed.gov/collegenavigator• Federal Student Aid Information Center: 1.800.4FED.AID, or www.studentaid.ed.gov• With FAFSA4caster you can estimate youreligibility for federal student aid: www.fafsa4caster.ed.gov• Funding Education Beyond High School –A Guide to Federal Student Aid: www.studentaid.ed.gov/resources• NYS Higher Education Services Corporation –Information on NYS grants and scholarships: 1.888.NYSHESC, or www.hesc.ny.gov• HOPE Scholarship and Lifetime LearningCredits and other federal incentive programs:www.irs.gov/publications/p970• NYS college tuition tax credit/deductions:www.hesc.ny.gov (search “tax credit”)• The Internal Revenue Service (IRS) site provides information about new tax laws (taxcredits and deductions for college expenses):www.irs.gov• Hispanic College Fund, Inc.:www.hispanicfund.org• Hispanic Scholarship Fund: www.hsf.net• Joseph Tauber Scholarship Program:646.473.8999: www.1199seiubenefits.org/ccf• United Negro College Fund, Inc.: https://scholarships.uncf.org• Fastweb.com: A database of thousands of private scholarships: www.fastweb.com• New York’s 529 College Savings Program canhelp families save for college with significant tax benefits: 1.877.NYSAVES, or www.nysaves.com• The Upromise® Rewards Program is a savings-through-purchase program. Shop at hundreds of companies and a percentage of the purchase price is depositedinto a savings account. Upromise® can be tiedto the New York 529 College SavingsProgram: www.upromise.com• The College Savings Plan Network –Information on state-sponsored prepaidtuition and college savings plans: www.collegesavings.org

11

2014September and October� Colleges encourage visits from students andtheir parents/guardians. It’s your chance to“try on” a campus. Use the map on pages 12-15 to plan your trips. Also ask your schoolcounselor about college fairs in your area. Collegefairs offer good opportunities to talk with collegerepresentatives and start to build relationships.

� Make a list of colleges you will apply to andnote details and deadlines for each college’sadmission and financial aid applications.

� Ask your teachers and others for the letters ofrecommendation you need for your admissionapplications. Make a calendar of all admissionand financial aid application deadlines!Sep. 13: ACT test date.Sep. 19: Registration deadline for

Oct. 25 ACT.Oct. 9: Registration deadline for

Nov. 8 SAT & Subject Tests.Oct. 11: SAT & Subject Tests date.Oct. 15: PSAT/NMSQT test date.Oct. 18: PSAT/NMSQT test date.Oct. 25: ACT test date.

November and December� Explore all financial aid sources, including scholarships from local businesses, organizations, employers, churches, etc. Ask for help at your public library and guidance/college office. Attend financial aid workshops and college fairs.

� Continue completing your college applications.Pay careful attention to the deadlines!

� If you plan on completing the FAFSA online (recommended), get a federal student aid PIN* for you and your parents at www.pin.ed.gov. Obtain the FreeApplication for Federal Student Aid (FAFSA)worksheet from your school counselor oronline at www.fafsa.ed.gov. Check with allthe colleges to which you are applying to determine if there are other financial aidforms you must complete to qualify for all types of aid. Obtain all required forms.

* In spring 2015, the login process will change, replacingthe current PIN system. The new login will ask you tocreate a username and password.

April� Colleges with traditional admissions and financial aid deadlines will notify you of college acceptance and financial aid packages.Evaluate the offers. Notify all the colleges ofyour decision or request an extension, usuallyby May 1. Pay attention to those deadlines!

� If you still wish to expand your options, some colleges will accept admission and financial aid applications at this time. Visitwww.nycolleges.org/view-college-informationfor college contact information.Apr. 6: Registration deadline for

May 2 SAT & Subject Tests.Apr. 18: ACT test date.

May and June� May 1 is the traditional deadline for studentsto notify colleges of their college choice. If youdecline admission and have received an aidpackage, notify the college financial aid officeso it can offer the award to another student.

� NYS residents applying for TAP: If you appliedby mail, review, correct and return yourExpress TAP Application (ETA) to HESC. Be sureyour TAP Award Certificate contains the codefor the college you will attend. Check youremail for correspondence from HESC aboutyour TAP award. If you decide to attend a college in New York State, review your TAPapplication information and provide additionalinformation, or make corrections if needed, orif requested by HESC. Visit www.hesc.ny.govfor more information, or call 1.888.NYSHESC.

� Follow up on the progress of your grants, scholarships, loans, work-study and otherforms of student aid.May 2: SAT & SAT Subject Tests date.May 4–8 Advanced Placement & 11–15: Program® Exams.May 8: Registration deadline for

Jun. 6 SAT & Subject Tests.May 8: Registration deadline for

Jun.13 ACT. Jun. 6: SAT & SAT Subject Tests date.Jun. 13: ACT test date.

� Don’t forget to send thank-you notes to all whohelped you through the college search.

Visit www.studentaid.ed.gov or

www.nasfaa.orgfor more information on financial aid.

Nov. 6: Registration deadline for Dec. 6 SAT & Subject Tests.

Nov. 7: Registration deadline for Dec. 13 ACT.

Nov. 8: SAT & Subject Tests date.Dec. 6: SAT & Subject Tests date.Dec. 13: ACT test date.Dec. 29: Registration deadline for

Jan. 24 SAT & Subject Tests.

2015January� Attend local college financial aid awareness activities and workshops.

� As soon as possible after January 1, complete and mail your FAFSA, or complete it online atwww.fafsa.ed.gov. Estimate your income if you have not yet completed your tax returns. Keep a copy of all the forms you file. Complete and submit all other required financial aid forms.Watch your deadlines! You’ll receive yourStudent Aid Report (SAR) within four weeks after filing your FAFSA by mail; sooner if youcomplete it online. Review your SAR carefully.Follow directions to correct errors.Jan. 9: Registration deadline for

Feb. 7 ACT–Outside NYS only.Jan. 24: SAT & Subject Tests date.

February and March� If you have not already done so, visit the colleges on your list.

� Start to look for a summer job.� In March, many colleges will begin to notify students of college acceptance. See April for more information.

� New York State students who file the FAFSA online may apply for a Tuition AssistanceProgram (TAP) grant online by linking to it directly from your FAFSA confirmation page. For more information about applying for TAP,call 1.888.NYSHESC.Feb. 7: ACT test date–Outside

NYS only.Feb. 13: Registration deadline for

Mar. 14 SAT test.Mar. 13: Registration deadline for

Apr. 18 ACT.Mar. 14: SAT only test date.

NOTE: Register for the SAT® exams online at www.collegeboard.org.Register for ACT Assessment® exams online at www.actstudent.org. Registration deadlines listed here refer to regular U.S. postmarkdates. Visit above websites for international deadlines and U.S. late registration deadlines.

For students entering college in the 2015-2016 academic yearCalendar

Campus Locator

12

New York’s 100+ Private Colleges and Universities

Central New York1. Cazenovia College 800.654.3210

Cazenovia (A,B) www.cazenovia.edu

2. Colgate University 315.228.7401Hamilton (B,G) www.colgate.edu

3. Le Moyne College 800.333.4733Syracuse (B,G) www.lemoyne.edu

4. St. Joseph’s College of Nursing at 315.448.5040St. Joseph’s Hospital Health Center www.sjhcon.eduSyracuse (A)

5. Syracuse University 315.443.3611Syracuse (A,B,G) www.syr.edu

6. Wells College 800.952.9355Aurora (B) www.wells.edu

Southern Tier1. Cornell University 607.255.5241

Ithaca (B,G) www.cornell.edu

2. Elmira College 800.935.6472Elmira (A,B,G) www.elmira.edu

3. Ithaca College 800.429.4274Ithaca (B,G) www.ithaca.edu

Mohawk Valley1. Hamilton College 800.843.2655

Clinton (B) www.hamilton.edu

2. Hartwick College 888.HARTWICKOneonta (B) www.hartwick.edu

3. St. Elizabeth College of Nursing 315.798.8347Utica (A) www.secon.edu

4. Utica College 800.782.8884Utica (B,G) www.utica.edu

North Country1. Clarkson University 800.527.6577

Potsdam (B,G) www.clarkson.edu

2. Paul Smith’s College of Arts 800.421.2605and Sciences, Paul Smiths (A,B) www.paulsmiths.edu

3. St. Lawrence University 800.285.1856Canton (B,G) www.stlawu.edu

Western New York1. Canisius College 800.843.1517

Buffalo (B,G) www.canisius.edu

2. Daemen College 800.462.7652Amherst (B,G) www.daemen.edu

3. D’Youville College 800.777.3921Buffalo (B,G) www.dyc.edu

4. Hilbert College 800.649.8003Hamburg (A,B,G) www.hilbert.edu

5. Houghton College 800.777.2556Houghton (A,B,G) www.houghton.edu

6. Medaille College 800.292.1582Buffalo (A,B,G) www.medaille.edu

7. Niagara University 800.462.2111Niagara Falls (A,B,G) www.niagara.edu

8. St. Bonaventure University 800.462.5050St. Bonaventure (B,G) www.sbu.edu

9. Trocaire College 716.827.2545Buffalo (A,B) www.trocaire.edu

10. Villa Maria College 716.961.1805Buffalo (A,B) www.villa.edu

Finger Lakes1. Finger Lakes Health College of 315.787.4005

Nursing, Geneva (A) www.flhealth.org/nursingeducation

2. Hobart and William Smith Colleges 800.852.2256Geneva (B,G) www.hws.edu

3. Keuka College 800.33.KEUKAKeuka Park (B,G) www.keuka.edu

4. Medaille College/Rochester Campus 585.272.0030Rochester (A,B,G) www.medaille.edu

5. Nazareth College 800.432.3944 Rochester (B,G) www.naz.edu

6. New York Chiropractic College 800.234.6922Seneca Falls (G) * www.nycc.edu

7. Roberts Wesleyan College 800.777.4RWCRochester (A,B,G) www.roberts.edu

8. Rochester Institute of Technology 585.475.6631Rochester (A,B,G) www.rit.edu/emcs

9. St. John Fisher College 800.444.4640Rochester (B,G) www.sjfc.edu

10. University of Rochester and 888.822.2256Eastman School of Music www.rochester.eduRochester (B,G)

Colleges are listed alphabetically in each region of the state by Name of College,with the City in which it is located in italics. Degrees offered appear in parentheseswith bachelor’s degrees indicated by (B) and associate degrees indicated by (A).Campuses that offer graduate degrees (master’s, doctorate, or first professional)are indicated by (G).

KEY: College Name PhoneCity (Degrees Offered) Web

* Graduate-only campus.

13

Western

9

10

6

3

1

Finger Lakes

4 105 98

Central

Syracuse

Ithaca

Geneva

Utica

2

1 3

2

3 4

1

4 53

North Country

Potsdam3

2

1

Albany

Troy

CapitalDistrict

13

12

8

9

11

1

5

6

7

10

2

3

4

15

14

Rochester

Southern Tier

Mohawk ValleyBuffalo

See Mid-Hudson, New York City and Long Island on next page

77

4

2

8

5

3

1 2

6

6

1

2

Capital District1. Albany College of Pharmacy 888.203.8010

and Health Sciences, Albany (B,G) www.acphs.edu

2. Albany Law School 518.445.2326Albany (G) * www.albanylaw.edu

3. Albany Medical College 518.262.5521, 518.262.9331Albany (G) * www.amc.edu

4. The Belanger School of Nursing 518.243.4471Schenectady (A) www.ellismedicine.org/school-of-

nursing

5. The College of Saint Rose 800.637.8556Albany (B,G) www.strose.edu

6. Maria College 518.861.2517Albany (A,B) www.mariacollege.edu

7. Memorial School of Nursing 518.471.3260Albany (A) www.nehealth.com/son

8. Rensselaer Polytechnic Institute 518.276.6216Troy (B,G) www.rpi.edu

9. The Sage Colleges/Russell Sage 888.VERY.SAGECollege (B), Sage Graduate School www.sage.eduTroy (G) *

10. The Sage Colleges/Sage College 888.VERY.SAGEof Albany, Albany (B) www.sage.edu

11. Samaritan Hospital School 518.271.3285of Nursing, Troy (A) www.nehealth.com/son

12. Siena College 888.AT.SIENALoudonville (B,G) www.siena.edu

13. Skidmore College 800.867.6007Saratoga Springs (B,G) www.skidmore.edu

14. Union College 888.843.6688Schenectady (B) www.union.edu

15. Union Graduate College 518.631.9831Schenectady (G) * www.uniongraduatecollege.edu

14

* Graduate-only campus.

Bronx 8 campusesManhattan 34 campuses

Brooklyn 10 campuses

Staten Island 2 campuses

Queens 4 campuses

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4 1020

5

Long Island

Mid-Hudson

4

9 6

17

21

2

138

1

13

2212

326

11

25

1

103

72

19

6

8

Poughkeepsie 28

15

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18

27

9

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11

Mid-Hudson1. Bard College 845.758.7472

Annandale-on-Hudson (A,B,G) www.bard.edu2. Cochran School of Nursing 914.964.4296

Yonkers (A) www.cochranschoolofnursing.us3. The College of New Rochelle 800.933.5923

New Rochelle (B,G) www.cnr.edu4. The College of New Rochelle/School of 800.288.4767

New Resources,New Rochelle (B) www.cnr.edu5. Concordia College 800.YES.COLLEGE

Bronxville (A,B,G) www.concordia-ny.edu6. The Culinary Institute of America 800.CULINARY

Hyde Park (A,B) www.ciachef.edu7. Dominican College 866.432.4636

Orangeburg (A,B,G) www.dc.edu8. Fei Tian College 845.672.0550

Cuddebackville (B) http://feitiancollege.org9. Fordham University/Westchester 914.367.3426

Campus, West Harrison (G) * www.fordham.edu10. Iona College 800.231.IONA

New Rochelle (B,G) www.iona.edu11. Iona College Rockland Graduate Center 866.850.IONA

Pearl River (G) * www.iona.edu/rockland12. LIU Hudson at Rockland 845.359.7200

Orangeburg (G) * www.liu.edu/hudson13. LIU Hudson at Westchester 914.831.2700

Purchase (G) * www.liu.edu/hudson14. Manhattanville College 914.323.5125

Purchase (B,G) www.mville.edu15. Marist College 800.436.5483

Poughkeepsie (B,G) www.marist.edu16. Mercy College/Dobbs Ferry Campus 877.MERCY.GO

(main campus), Dobbs Ferry (A,B,G) www.mercy.edu17. Mercy College/Yorktown Campus 877.MERCY.GO

Yorktown Heights (B,G) www.mercy.edu18. Montefiore School of Nursing 914.361.6472

Mount Vernon (A) www.montefiorehealthsystem.org19. Mount Saint Mary College 888.YES.MSMC

Newburgh (B,G) www.msmc.edu20. New York University/Silver School 845.398.4129

of Social Work at St. Thomas Aquinas www.nyu.eduCollege, Sparkill (G) *

21. Nyack College and Alliance 800.33NYACK (College)Theological Seminary, Nyack (A,B,G) 800.541.6891 (Seminary)

www.nyack.edu22. Pace University/Lubin Graduate 914.422.4283

Center, White Plains (G) * www.pace.edu23. Pace University/Pleasantville- 800.874.PACE

Briarcliff Campus, Pleasantville (A,B,G) www.pace.edu24. Pace University/White Plains Campus 914.422.4210

School of Law, White Plains (G) * www.law.pace.edu25. Sarah Lawrence College 800.888.2858

Bronxville (B,G) www.slc.edu26. St. Thomas Aquinas College 800.999.STAC

Sparkill (A,B,G) www.stac.edu27. Touro College/New York 914.594.4000

Medical College, Valhalla (G) * www.nymc.edu28. Vassar College 800.827.7270

Poughkeepsie (B,G) www.vassar.edu

New York City(The 5 Boroughs)

Bronx1. Albert Einstein College of Medicine 718.430.2000

of Yeshiva University (G) www.einstein.yu.edu2. Boricua College/Bronx Campus 347.964.8600

(A,B,G) www.boricuacollege.edu3. College of Mount Saint Vincent 800.665.CMSV

Riverdale (A,B,G) www.mountsaintvincent.edu4. The College of New Rochelle/School 800.288.4767

of New Resources/Co-op City (B) www.cnr.edu5. The College of New Rochelle/School 800.288.4767

of New Resources/John Cardinal www.cnr.eduO’Connor Campus (B)

6. Fordham University (B,G) 800.FORDHAMwww.fordham.edu

7. Manhattan College 800.MC2.XCELRiverdale (B,G) www.manhattan.edu

8. Mercy College/Bronx 877.MERCY.GOCampus (A,B,G) www.mercy.edu

Brooklyn1. Boricua College/Brooklyn Campus (A,B,G) www.boricuacollege.edu

Northside Center 718.782.2200Graham Center 718.963.4112

2. Bramson ORT College/ 718.261.5800 x640Extension Center (A) www.bramsonort.edu

3. The College of New Rochelle/School of 800.288.4767 New Resources/Brooklyn Campus (B) www.cnr.edu

4. Institute of Design and Construction (A) 718.855.3661www.idc.edu

5. LIU Brooklyn (A,B,G) 800.LIU.PLANwww. liu.edu/brooklyn

6. New York University Polytechnic School 718.260.3182of Engineering (B,G) http://engineering.nyu.edu

7. Pratt Institute (B,G) 800.331.0834www.pratt.edu

8. St. Francis College 718.489.52 00Brooklyn Heights (A,B,G) www.sfc.edu

9. St. Joseph’s College/Brooklyn 718.940.5800Campus (B,G) www.sjcny.edu

10. Touro College/Lander College of 718.252.7800Arts & Sciences, Flatbush (A,B,G) www.touro.edu

14

15

29. Teachers College, Columbia 212.678.3710University (G) * www.tc.columbia.edu

30. Touro College (A,B,G) 212.463.0400 x5665 www.touro.edu

31. Touro College/Harlem Campus:Touro College of Osteopathic 212.851.1199Medicine (G) * www.touro.edu/medTouro College of Pharmacy (G) * 212.851.1192

www.pharmacy.touro.edu32. Weill Cornell Graduate School 212.746.6565

of Medical Sciences (G) * www.med.cornell.edu33. Weill Cornell Medical College (G) * 212.746.1067

www.med.cornell.edu34. Yeshiva University (A,B,G) 212.960.5277

www.yu.edu Queens1. Bramson ORT College 718.261.5800 x640

Forest Hills (A) www.bramsonort.edu2. St. John’s University/Queens 888.9STJOHNS

Campus (main campus) (A,B,G) www.stjohns.edu3. Touro College/The Lander College 718.820.4800

for Men, Kew Gardens (B) http://lcm.touro.edu4. Vaughn College of Aeronautics 866.6VAUGHN

and Technology, Flushing (A,B,G) www.vaughn.edu

Staten Island1. St. John’s University/Staten Island 888.9STJOHNS

Campus (A,B,G) www.stjohns.edu/campuses/staten-island-campus

2. Wagner College (B,G) 718.390.3411www.wagner.edu

Long Island1. Adelphi University 800.ADELPHI

Garden City (A,B,G) www.adelphi.edu2. Cold Spring Harbor Laboratory, 516.367.6890

Watson School of Biological Sciences www.cshl.org/gradschoolCold Spring Harbor (G) *

3. Dowling College 800.369.5464Oakdale (B,G) www.dowling.edu

4. Hofstra University 800.HOFSTRAHempstead (B,G) www.hofstra.edu

5. LIU Brentwood 631.287.8500Brentwood (B,G) www.liu.edu/brentwood

6. LIU Post 800.LIU.PLANBrookville (A,B,G) www.liu.edu/post

7. LIU Riverhead 631.287.8010Riverhead (B,G) www.liu.edu/riverhead

8. Molloy College 888.4MOLLOYRockville Centre (A,B,G) www.molloy.edu

9. New York Institute of Technology 800.345.NYIT(NYIT)/Old Westbury Campus www.nyit.eduOld Westbury (A,B,G)

10. St. John’s University/ 800.9STJOHNSOakdale Campus, Oakdale (G) * www.stjohns.edu

11. St. Joseph’s College/Long Island 631.687.45 00Campus, Patchogue (B,G) www.sjcny.edu

12. Touro College/Jacob D. Fuchsberg 631.761.7000Law Center, Central Islip (G) * www.tourolaw.edu

13. Touro College/Bay Shore Campus:School of Health Sciences 866.TOURO.4.UBay Shore (A,B) www.touro.edu/shsGraduate School of Education 212.462.4889Bay Shore (G) * http://legacy.touro.edu/edgrad

14. Webb Institute 866.708.WEBBGlen Cove (B) www.webb-institute.edu

Manhattan1. American Academy McAllister 866.932.2264

Institute of Funeral Service (A) www.funeraleducation.org2. American Museum of Natural History, 212.769.5055

Richard Gilder Graduate School (G) * http://rggs.amnh.org3. Bank Street College of Education (G) * 212.875.4404

www.bankstreet.edu4. Barnard College (B) 212.854.2014

www.barnard.edu5. Boricua College (A,B,G) 212.694.1000

www.boricuacollege.edu6. The College of New Rochelle/School of 800.288.4767

New Resources/District Council 37 (B) www.cnr.edu7. The College of New Rochelle/School of 800.288.4767

New Resources/Rosa Parks Campus (B) www.cnr.edu8. Columbia University (B,G) 212.854.2522

www.columbia.edu9. Cooper Union (B,G) 212.353.4120

www.cooper.edu10. Fordham University/Lincoln Center 800.FORDHAM

Campus (B,G) www.fordham.edu11. Helene Fuld College of Nursing (A,B) 212.616.7200

www.helenefuld.edu12. The King’s College (B) 888.969.7200

www.tkc.edu13. Manhattan School of Music (B,G) 917.493.4436

www.msmnyc.edu14. Marymount Manhattan College (B) 800.MARYMOUNT

www.mmm.edu15. Mercy College/Manhattan Campus (B,G) 877.MERCY.GO

www.mercy.edu16. Metropolitan College of New York (A,B,G) 800.33THINK x5001

www.mcny.edu17. The New School: 800.292.3040

Eugene Lang College The New School www.newschool.edu/langfor Liberal Arts (B)

Mannes College The New School www.newschool.edu/mannesfor Music (B,G)

Parsons The New School for Design (A,B,G) www.newschool.edu/parsonsThe New School for Jazz and www.newschool.edu/jazzContemporary Music (B)

The New School for Drama (B,G) www.newschool.edu/dramaThe New School for Social Research (G) * www.newschool.edu/nssrThe New School for Public www.newschool.edu/public- Engagement (B,G) engagement

18. New York College of 800.526.6966Podiatric Medicine (G) * www.nycpm.edu

19. New York Institute of Technology 800.345.NYIT(NYIT)/Manhattan Campus (A,B,G) www.nyit.edu

20. New York School of Interior 800.33.NYSIDDesign (A,B,G) www.nysid.edu

21. New York University (A,B,G) 212.998.4500www.nyu.edu

22. Nyack College and Alliance 800.33NYACK (College)Theological Seminary (A,B,G) 800.541.6891 (Seminary)

www.nyack.edu23. Pace University/New York City 800.874.PACE

Campus (A,B,G) www.pace.edu24. Phillips Beth Israel School 212.614.6114

of Nursing (A,B) http://pbisn.edu25. Pratt Institute/Manhattan 800.331.0834

Campus (A,B,G) www.pratt.edu26. Relay Graduate School of Education (G) * 212.228.1888

www.relay.edu27. The Rockefeller University (G) * 212.327.8086

www.rockefeller.edu28. St. John’s University/ 888.9STJOHNS

Manhattan Campus (B,G) www.stjohns.edu/campuses/manhattan

Commission on Independent Colleges and Universities17 Elk Street, PO Box 7289Albany, NY 12224-0289email: [email protected]: (518) 436.4781Fax: (518) 433.8825

New York’s 100+ Private Colleges and UniversitiesAdelphi UniversityAlbany College of Pharmacy and Health Sciences

Albany Law SchoolAlbany Medical CollegeAmerican Academy McAllister Institute

American Museum of NaturalHistory, Richard Gilder GraduateSchool

Bank Street College of EducationBard CollegeBarnard CollegeThe Belanger School of NursingBoricua CollegeBramson ORT CollegeCanisius CollegeCazenovia CollegeClarkson UniversityCochran School of NursingCold Spring Harbor Laboratory,Watson School of BiologicalSciences

Colgate UniversityCollege of Mount Saint VincentThe College of New RochelleThe College of Saint RoseColumbia UniversityConcordia CollegeCooper UnionCornell UniversityThe Culinary Institute of AmericaDaemen CollegeDominican CollegeDowling CollegeD’Youville CollegeElmira CollegeFei Tian CollegeFinger Lakes Health College of Nursing

Fordham University

Hamilton CollegeHartwick CollegeHelene Fuld College of NursingHilbert CollegeHobart and William Smith CollegesHofstra UniversityHoughton CollegeInstitute of Design and ConstructionIona CollegeIthaca CollegeKeuka CollegeThe King’s CollegeLe Moyne CollegeLong Island UniversityManhattan CollegeManhattan School of MusicManhattanville CollegeMaria CollegeMarist CollegeMarymount Manhattan CollegeMedaille CollegeMemorial School of NursingMercy CollegeMetropolitan College of New YorkMolloy CollegeMontefiore School of NursingMount Saint Mary CollegeNazareth CollegeThe New SchoolNew York Chiropractic CollegeNew York College of Podiatric Medicine

New York Institute of Technology(NYIT)

New York School of Interior Design New York UniversityNiagara UniversityNyack CollegePace UniversityPaul Smith’s College of Arts and Sciences

Phillips Beth Israel School of Nursing

Pratt InstituteRelay Graduate School of EducationRensselaer Polytechnic InstituteRoberts Wesleyan CollegeRochester Institute of TechnologyThe Rockefeller UniversityThe Sage CollegesSamaritan Hospital School of Nursing

Sarah Lawrence CollegeSiena CollegeSkidmore CollegeSt. Bonaventure UniversitySt. Elizabeth College of NursingSt. Francis CollegeSt. John Fisher CollegeSt. John’s UniversitySt. Joseph’s CollegeSt. Joseph’s College of Nursing at St. Joseph’s Hospital Health Center

St. Lawrence UniversitySt. Thomas Aquinas CollegeSyracuse UniversityTeachers College, Columbia University

Touro College and University SystemTrocaire CollegeUnion CollegeUnion Graduate CollegeUniversity of RochesterUtica CollegeVassar CollegeVaughn College of Aeronautics and Technology

Villa Maria CollegeWagner CollegeWebb InstituteWells CollegeYeshiva University

Affording College

Affording College is published annually by the Commission on IndependentColleges and Universities (cIcu), a not-for-profit organization, 17 Elk Street, PO Box 7289, Albany, NY 12224-0289. Vol. 17, November 2014.Design: Ambrosino Design, Inc., Saratoga Springs, NY

Photo Credits: New York’s 100+ private colleges and universities. Front Cover: Box 1, Sano-RubinConstruction, Construction Manager/Randall Perry; Box 2, A. Sue Weisler; Box 3, T. Wang. Page 4,Box 1 and Page 9, Box 1: T. Hansen.

NOTE: While we make every effort to ensure accuracy, always verify informationwith the colleges directly.

©2014 by the Commission on Independent Colleges and Universities (cIcu). All rights reserved. No part of this publication may be copied (photocopied, reproduced, translated, or reduced to any electronic medium or machine-readable form) without prior written consent.

Financial Aid • Pages 2-10• Six Steps to Financial Aid• Applying for Financial Aid• Your Aid Packages• Financial Aid Programs: Sources of Aid

Internet Resources • Page 10The most important financial aid forms areavailable online. Learn where to go on the Webfor answers to your financial aid and collegesearch questions.

Calendar • Page 11Now is the time to make an organized plan foryour college search. Be sure you leave enoughtime to meet the deadlines for your admissionand financial aid applications.

Campus Locator • Pages12-15From phone numbers to Web addresses anddegrees offered, this campus locator map and directory puts New York’s 100+ private colleges at your fingertips.

Visit www.nycolleges.org, New York’s 100+ private collegesand universities’ admissions andfinancial aid website:

� Find a campus � Find out what academic

programs the colleges offer� Read campus profiles� Learn about financial aid� Request more information � Download admission and

financial aid publications

www.nycolleges.orgwww.cicu.org

Documents

AFFORDING - NY · PDF file · 2014-11-26AFFORDING COLLEGE FINANCIAL AID INTERNET RESOURCES ... available funding. ... New York State Higher Education Services Corporation (HESC)