Download - 2011-2012 Tuition and Payment Guide
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Tuition and Payment Guide2011-2012
Office of Student Financial Serviceswww.emmanuel.edu
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2011-2012 Tuition and Payment Guide
Contents
Communication from the
Office of Student Financial Services 3
Tuition & Fees
Tuition & Fees 4
Payment Due Dates 4
Health Insurance 5
Meal Plans 6
Fenway Card 7
MBTA Passes 8
On-Campus Parking 9
Payment Options
Personal Check 10
Wire Transfer 10
Credit Card 11
Interest-Free Monthly Payment Plan 11
Parent Loans 12
Private Student Loans 13
Private Scholarships 14
Policies
Financial Aid and Your Tuition Bill 15
Student Employment 16
Withdrawal 18
Refund Process 19
Delinquent Accounts 20
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Office of Student Financial Services
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2011-2012 Tuition and Payment Guide
Communication from the Office of Student Financial Services
All communication from the Office of Student Financial Services (OSFS) is addressed to you, the student. Most communication is sent to your Emmanuel e-mail address or through the Emmanuel Portal, MySaints, the College’s internal online communication system.
It is your responsibility to complete the financial aid process and ensure that your balance is paid in full. If your parents are assisting you with the financial aid or billing process, please share with them the information you receive from the OSFS.
Through the Emmanuel Portal, you will be able to access Online Academic Resources (OAR), where you can: • viewyourtuitionbill• viewyourfinancialaidaward• payyourtuitionbill• registerforclasses• viewyourtranscript• viewyourgradesandmore
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Office of Student Financial Services
Tuition & Fees
Fall Spring Total
Tuition $16,050 $16,050 $32,100
Room and Board (double) $ 6,375 $ 6,375 $12,750
StudentActivityFee $ 100 $ 100 $ 200
OrientationFee(one-time) $ 175 $ 0 $ 175
Total* $22,700 $22,525 $45,225
HealthInsurance(seepage5) $ 1,465 $ 0 $ 1,465
Total with Insurance* $24,165 $22,525 $46,690
*Coursefeesrangingfrom$55to$100maybechargedforsciencelabsandartstudiocourses.PleaseseetheAcademicCatalogfordetails.
Room and Board Belowisalistofroomandboardrates.Moststudentsareplacedinastandarddoubleroom.Formoreinformationaboutroomoptions,[email protected].
Room Type Cost
Double $12,750
Suite Single $15,130
Single $14,430
Suite Double $13,450
SuiteTriple $11,770
Triple $11,070
EconomyTriple $10,250
Payment Due Dates
ThefallsemesterbalanceisdueonAugust3,2011.Thespringsemesterbalance is due on December 16, 2011.
Tuition & Fees
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2011-2012 Tuition and Payment Guide
Health Insurance
TheCommonwealthofMassachusettsrequiresallstudentsenrolledatleastthree-quarterstimetobeenrolledinahealthinsuranceplan.Toensurethatyouaremeetingthisrequirement,youareautomaticallyenrolledintheCollege’shealthplanandarechargedtheannualhealthinsurancepremiumof$1,465.
Waiving the College’s Health Insurance StudentswhohavetheirownhealthinsurancecoverageandwouldliketowaiveenrollmentintheCollege’splanmustcompletetheonlinehealthinsurancewaiveratwww.universityhealthplans.combyAugust3,2011.
StudentswhodonotcompletethewaiverformbyAugust3,2011willautomaticallybechargedthepremium,eveniftheyhaveothercoverage.
Enrolling in the College’s Health InsuranceStudentswhodonothavecoverageandrequiretheCollege’s healthinsuranceplanmustcompletetheonlineenrollmentformat www.universityhealthplans.combyAugust3,2011.
Pleasenotethattheseformsmustbecompletedannuallyandare separatefromthehealthimmunizationformsrequiredbytheHealthServicesOffice.
Emmanuel College Health Insurance ProviderFordetailedinformationregardingthecoverageprovidedbytheCollege’shealthplanprovider,andtopurchasedentalinsurance,pleasevisittheUniversityHealthPlanswebsiteatwww.universityhealthplans.com.
Tuition & Fees
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Office of Student Financial Services
Meal Plans
Weareproudtoofferanumberofgreaton-campusdiningserviceoptionscateredbyBonAppétit:
• MarianHallDiningRoom,ourmaindiningfacility,offers anall-you-can-eat-buffetwithawidefoodassortment rotating on a daily basis. • TheAtriumCaféandMuddyRiverCaféofferexpressmeals convenientforthoselookingtograb-and-go.
Resident StudentsAllresidentstudentsarerequiredtohaveamealplan,whichisincludedinthecostofroomandboard.
Residentstudentsbegineachyearwith15mealsperweekand$95in“flexdollars”persemesterthatcanbeusedintheAtriumCaféandMuddyRiverCafé.Studentshavetheoptionofchangingthisplanto19mealsperweekwith$25inflexdollarspersemesteratnocostbycontactingBonAppétitat617-735-9952.
Commuter StudentsCommuterstudentshavetheoptionofpurchasingoneoftwomealplans:
Meal Plan Cost per Semester
5mealsperweek $475
8mealsperweek $760
Topurchaseacommutermealplan,pleasecontacttheOSFSatfinancialservices@emmanuel.eduorcall617-735-9938.Studentswishingtopurchaseacommutermealplanmustdosoeachsemester.
Tuition & Fees
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2011-2012 Tuition and Payment Guide
Fenway Card TheFenwayCardisyourofficialidentificationatEmmanuelCollege.Youshouldcarrythecardatalltimeswhileoncampus.
TheFenwayCardwillbeusedto:• accesscampusbuildings,includingthelibraryand residence halls.• provideaccesstoyourmealplan,flexdollarsand FenwayCash.
Flex DollarsResidentstudentsbegineachsemesterwith$95flexdollars(or$25iftheychoosetochangetheirmealplan).FlexdollarsmayonlybeusedoncampusattheAtriumCaféorMuddyRiverCafé.
Fenway CashYouoryourparentsmaychoosetoaddmoney,“FenwayCash,”to yourFenwayCard.FenwayCashoffersyouasafeandconvenientway tomakepurchasesonandaroundcampus.YoucanuseyourFenway Cash at:
• theEmmanuelCollegebookstoreandallCollegesofthe Fenwaybookstores• dininghalls• vendingmachines• laundrymachines• over75popularoff-campuslocationsaroundtheFenway, BackBay,CambridgeandNewtonneighborhoods
FenwayCashcanalsobeusedtopurchaseIDreplacements.
Pleasevisitwww.fenwaycard.comformoreinformationregardingtheFenwayCard.
Tuition & Fees
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Office of Student Financial Services
MBTA Passes
AsanEmmanuelCollegestudent,youreceivean11%discountandunlimitedrideswhenyoupurchaseasemesterMassachusettsBayTransitAuthority(MBTA)pass.
Semester Months Covered Enrollment Form Due
Fall October1-January31 September6,2011
Spring February1-May31 January3,2012
FeeinformationisincludedontheMBTAEnrollmentFormavailableonourwebsiteandtheEmmanuelPortal.Visitwww.emmanuel.eduandclickon“Tuition&Aid.”Fromhere,youwillselect“Forms&Publications”ontheleft-handsideofthepage.
TheMBTAdiscountisofferedbytheMBTAandisnotadministered by Emmanuel College. We encourage you to evaluatehowoftenyouwillusetheMBTApriortopurchasingthesemesterpass.TheMBTAdoesnotofferrefunds.
Tuition & Fees
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2011-2012 Tuition and Payment Guide
On-Campus Parking
ParkingattheCollegeisextremelylimited.Onlycommuterstudentswithoutaccesstopublictransportationwillbeconsidered.
Toreceiveconsiderationforon-campusparking,youmustsubmitaparkingapplication,availableintheOfficeoftheVicePresidentofStudentAffairs.YouwillbenotifiedbytheOfficeoftheVicePresidentofStudentAffairsifyouareapprovedandyourpermitwillbeavailableintheSecurityOfficeonceyouraccountispaidinfull.Applicationsmustbesubmitted each semester.
Enrollment Status Cost per semester
Part-TimeStudent $225
Full-TimeStudent $375
Tuition & Fees
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Office of Student Financial Services
Personal Check
Onlinecheckpayments(ACH)maybemadeonlineviaOAR(portal.emmanuel.edu)usingyourstudentloginoronlineatwww.afford.com/emmanuel(studentloginnotrequired).Thereisnofeeforpayingonlinewithacheck.
Checksmayalsobemailedto:Emmanuel CollegeOfficeofStudentFinancialServices400TheFenwayBoston,MA02115
A$25fee(inadditiontoanylatepaymentfees)willbechargedfor anydishonoredcheck.Foreigncheckcollectionfeeswillbecharged whenapplicable.
Wire Transfer
Pleasesendwiretransfersto:TDBank15 Broad StreetBoston,MA02109AccountName:EmmanuelCollegeAccountNumber:8246095017ABANumber:031101266(forwiretransfers)ABANumber:211370545(forACHtransfers)
Whenmailingorwiringapayment,pleaseincludeyour name and Emmanuel College Student ID number or social security number.
Payment Options Payment Options
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2011-2012 Tuition and Payment Guide
Credit Card
Creditcardpayments(AmericanExpress,DiscoverandMasterCard)canbemadeonlineviaOAR(portal.emmanuel.edu)usingyourstudentloginoronlineatwww.afford.com/emmanuel(studentloginnotrequired).A2.99%conveniencefeeischarged.
Interest-Free Monthly Payment Plan
EmmanuelCollegeoffersamonthlyinterest-freepaymentplanthroughTuitionManagementSystems,Inc.(TMS).Theplanoffersfamilies theopportunitytospreadpaymentsfortheacademicyearovera10-monthperiod.
Tuition Management Systems
EnrollmentFee $65fora10-monthplan $50fora5-monthplan
Payment Plan Periods Dueonthe15thofeachmonth
FallSemester JulythroughNovember
SpringSemester DecemberthroughApril
Enroll Online www.afford.com/emmanuel
PhoneNumber 1-800-722-4867
EducationalTaxBenefits Althougheducationaltaxcreditscannotbeusedtopayyourtuitioncosts,theycanhelpoffsetthecostofeducation.Thereareavarietyoftaxincentivesforfamilieswhoaresavingfor,oralreadypaying,highereducationcosts,orarerepayingstudentloans.Weencourageyoutoresearchthesetaxcreditswhenfilingyour2011taxes.Formoreinformation,please visitwww.irs.gov.
Payment Options
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Office of Student Financial Services
Parent Loans
Ifyourparentwillbetheprimaryborrower,theymaywanttoconsideroneoftheloansbelow.Theseloanprogramsofferfixedinterestratesandtheoptiontodefertheloanwhileyouareenrolledatleasthalf-time.
Federal Direct Parent PLUS Loan
Interest Rate 7.9%
Fees 2.5%(Contingentuponmaking12on-timepayments;otherwisefeeis4%)
RepaymentPeriod 10-25years
Applicationisavailableonlineatwww.emmanuel.edu(inthe“Forms&Publications”sectionof“Tuition&Aid”)orbycallingourofficeat617-735-9938.
Note:IfyourparentisdeniedtheFederalDirectParentPLUSLoan,youmaybeeligibletoborrowadditionalFederalDirectUnsubsidizedStaffordLoanfundsoryourparentmaychoosetoapplywithanendorser.
Massachusetts Educational Financing Authority (MEFA) Undergraduate Loan
ApplyOnline www.mefa.org
PhoneNumber 1-800-449-6332
Inadditiontotheloansreferencedinthisguide,therearemanyotherloansavailable.Weencourageallborrowerstodotheirownresearchandselectthelenderthatisbestforthem.
Thisinformationisaccurateatthetimeofprinting;pleasecontactthelenderdirectlyatthetimeofapplicationtoverifyloan rates and terms.
Payment Options
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2011-2012 Tuition and Payment Guide
Private Student Loans
Theprivatestudentloanslistedbelowmayrequireaco-signerandmayoffertheoptionofdeferringpaymentsduringenrollment.Somefactorstoconsiderwhenchoosingalenderinclude:interestrate,fees,co-signerreleaseoptionandrepaymentperiod.Pleasevisitthelender’swebsite formoreinformation.
Chase Select Loan
ApplyOnline www.chaseselectloans.com
PhoneNumber 1-866-306-0868
Citizens TruFit Loan
ApplyOnline www.citizensbank.com/edu
PhoneNumber 1-800-708-6684
CitiAssist Undergraduate Loan
ApplyOnline www.studentloan.com
PhoneNumber 1-800-788-3368
MEFA Student Alternative Loan
ApplyOnline www.mefa.org
PhoneNumber 1-800-449-6332
Starttheloanprocessweekspriortothesemesterduedatetoavoidlatefeesandfacilitatetheprocess.Loanstakeweekstoprocessandonlyreflectonyouraccountafterfinalapprovalhasbeenreceivedfromthelender.
Payment Options
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Office of Student Financial Services
Private Scholarships
Scholarshipsareagreatsourceoffreemoneyandhelpreducethetotalcostoffinancingyoureducation.
Ifyoureceiveaprivatescholarshipandwishtousethisaspaymenttowardyouraccount,please:
• makesureyouunderstandandfulfilltherequirementsfor thereceiptofyourscholarshipfunds.• submitacopyofthescholarshipawardnotificationand/or checktotheOSFS.• clearlynotatethenameofthescholarship,yournameand studentIDwiththeawardnotificationsand/orcheck.
IfyounotifytheOSFSofthereceiptofascholarshipandwedonotreceivethefunds,youwillberesponsibleforanyresulting balance.
Applying for Private ScholarshipsItisnevertoolatetostartthescholarshipsearch.Herearesomescholarshipsearchengineswerecommend:
• www.collegeboard.com• www.communityfoundation.org• www.fastweb.com• www.finaid.org• www.hsf.net• www.petersons.com• www.princetonreview.com• www.scholarships.com• www.studentaid.ed.gov• www.uncf.org
Payment Options
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2011-2012 Tuition and Payment Guide
Financial Aid and Your Tuition Bill
Mostformsoffinancialaidareappliedtowardyourchargesandwillappearasacreditonyourbill.Pleasenotethefollowing:
Estimated Financial Award LettersEstimatedfinancialaidoffersarenotusabletowardthebill;onlyawardsthatareverifiedcanbeappliedtoyourcharges.Ifyoureceivedanestimatedfinancialaidawardletterandthereisnofinancialaidappearingonyourbill,pleasecheckOARviatheEmmanuelPortaltoviewmissinginformationorcontacttheOSFS.
Federal Work-Study FederalWork-Studyisanoffertoseekemploymentandisnotsubtractedfromyourbill.Youwillbepaidforhoursworked.PleaserefertotheStudentEmploymentsectiononpage16formoreinformation.
Student Loan RequirementsIfyouwishtoborrowastudentloanthatwasincludedaspartofyourfinancialaidawardletter,theloanpromissorynoteandastudent loanentranceinterviewarerequiredbeforetheloanmaybecredited on your account.
Forfurtherinstructionsonhowtocompletethestudentloanrequirements,please:
• visitwww.emmanuel.edu• clickon“Tuition&Aid”• select“Scholarships&FinancialAid”• clickontheloanyouwillbeborrowingunderthe“Loans& StudentEmployment”sectionand• followtheinstructionsonthepageaccordingly
Policies
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Office of Student Financial Services
Student Employment
EmmanuelCollegestrivestoassistyouwitheducationalcostsbyofferingon-andoff-campusemploymentopportunities.On-campusemploymentopportunitiesareavailableinacademicoffices,residencehallsandadministrativeoffices.
Allstudentsareeligibletoapplyforon-campusjobs,regardlessofwhetheryouareawardedFederalWork-Study.However,theCollegehasanumberofpartnershipswithoff-campusorganizationsthatprovideemploymentopportunitiestostudents;theseopportunitiesarelimitedtostudentswhoareawardedFederalWork-Study.
Applying for JobsYoumaysearchforon-andoff-campusemploymentopportunitiesonthe Emmanuel College Career Connect (EC3), which may be accessed by visitingportal.emmanuel.edu. Aftercreatingalogin,list“EmmanuelCollege”astheemployertoviewavailablepositions.Youcanapplyforjobsdirectlywiththesupervisorlistedonthejobposting.
JobswillbepostedinearlySeptemberforthefallsemesterandwillbeupdatedasopeningsbecomeavailable.
StudentemploymentisnotguaranteedandstudentswhoareawardedFederalWork-Studyarenotrequiredtowork.Becausejobsarelimited,ifyouareinterestedinworkingoncampus,youshouldcontactsupervisorsassoonaspossibleuponarrivingatEmmanuel.
Policies
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2011-2012 Tuition and Payment Guide
Employment Paperwork Toworkoncampus,youmustcompleteemploymentpaperworkincludingtheI-9EmploymentAuthorizationFormandtheW-4andM-4taxwithholdingforms.
Ifyouareinterestedinworkingoncampus,youshouldhavethefollowingpaperworkwithyouwhenyouarriveinSeptember:
• Avoidedcheckforcheckingaccountsorverification statementincludingaroutingandaccountnumberfor savingsaccounts• Valididentification,suchasaU.S.passportORadriver’s licenseANDSocialSecuritycard
PaychecksStudentswhochoosetoworkwillreceiveapaycheckeverytwoweeksforhoursworked.Duetothis,earningsfromstudentemploymentcannotbedeductedfromyourbill.
Forinformationconcerningnearbyoff-campusemploymentopportunities,youareencouragedtocontacttheOfficeofInternships&[email protected].
Policies
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Office of Student Financial Services
Withdrawal
Withdrawal from a CourseCoursechangesmustbemadeduringthesemester’sadd/dropperiodtoreceivearefund.Aftertheadd/dropperiod,youareliableforthecostofcoursesfromwhichyouwithdraw.
Beforeyourfinancialaidisdisbursedeachsemester,yourenrollmentandhousingstatusareconfirmedaftertheadd/dropperiod.Yourfinancialaidmaybeadjustedifyourenrollmentand/oryourhousingstatuschangedfromwhatwasoriginallyreported.
Withdrawal from the CollegeAfterthestartofclasses,feesarenotrefundable,andtuition,roomandboardarerefundedbasedonthepolicybelow.
Withdrawal Date % of Refundable Tuition Room & Board Charges
Priortostartofclass 100%
Week1 75%
Week2 50%
Week3 25%
AfterWeek3 NoRefund
ToofficiallywithdrawfromtheCollege,youmustcontactyourAcademicAdvisor.Non-attendancedoesnotconstituteanofficialwithdrawal.
Financial AidWhenwithdrawingfromtheCollegepriortothe10thweekofthesemester,federalfinancialaideligibilityisdeterminedusingtheReturnofTitleIVfundscalculationbelow:
x = Aid student may retainNumber of days attended
Number of days in semesterTitle IV
Financial Aid
There is no correlation between the College’s Withdrawal Policy and the ReturnofTitleIVregulation.
Policies
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2011-2012 Tuition and Payment Guide
Refund Process
StudentswhohaveacreditontheiraccountmayrequestarefundbycompletingaRefundRequestFormwiththeOSFS.
ThisformisavailableintheOSFS,onthePortalandunderthe“Tuition&Aid”sectionofourwebsite.Fromhere,youwillselect“Forms&Publications.”
Becausefinancialaidisdisbursedaftertheadd/dropperiod,mostcreditrefundchecksarenotavailableuntilmid-OctoberforthefallsemesterandlateFebruaryforthespringsemester.
Studentswhoborrowedadditionalloanfundstopayforbooksoroff-campushousingshouldbepreparedtopurchasebooksandpayrentforSeptemberandOctoberinthefallsemesterandJanuaryandFebruaryinthespringsemester.
Policies
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Office of Student Financial Services
Delinquent Accounts
Thepaymentoftuitionandfeesisyourresponsibility.Alatefeeof$100maybechargedtoyouraccountifyouhavenotsatisfiedyourfinancialresponsibilitieswiththeOSFSbythebillduedate.
Ifpaymentisnotreceivedinatimelymanner:• youraccountwillbecomedelinquentandafinancial holdwillbeplacedonyouraccount• youwillbeunabletoparticipateincourseregistration, room selection or graduation • theCollegewillwithholdyourdiplomaand academictranscript• youraccountwillbereferredtoacollectionagency andyouwillberesponsibleforthecostsincurredwith thecollectioneffort.Onceanaccountisreferredtoan outsideagency,allinquiriesandpaymentsaremadeto the collection agency.
Itisyourresponsibilitytobeawareofyourbalanceandresolveanyoutstandingbalances.TheOSFSisavailabletoassistyouwiththisprocess.Wemaybereachedat617-735-9938orfianancialservices@emmanuel.edu.
Policies
Important Dates
No later than
Fall Semester
Enroll in payment plan (if applicable) July 15, 2011
Apply for educational loan (if applicable) July 15, 2011
Fall 2011 semester bill payment due August 3, 2011
Complete Online Health Insurance Waiver or Enrollment Form
August 3, 2011
Fall MBTA Pass Application deadline September 6, 2011
Spring Semester
First spring TMS payment due (if applicable)
December 15, 2011
Spring 2012 semester bill payment date December 16, 2011
Complete Online Health Insurance Waiver or Enrollment Form (only for students not enrolled in the fall)
January 8, 2012
Priority Filing Date for Financial Aid for 2012-2013
March 1, 2012
Emmanuel College, founded by the Sisters of Notre Dame de Namur in 1919, is a coed, residential, Catholic liberal arts and sciences college located in the city of Boston. Its beautiful 17-acre campus is neighbored by a world-class medical center, two major art museums and Fenway Park. Its unique location gives students the opportunity to explore real-world experiences through internships, research and strategic partnerships within the Longwood Medical and Academic Area and the city of Boston.
Emmanuel at-a-glanceUndergraduate and graduate students: 2,500
Traditional undergraduates: Enrollment: 1,750 93% of first-year students live on campus 87% have an internship 80% participate in community service Average class size of 20 Students from 38 countries and 31 states 94 full-time faculty
The College is a founding member of the Colleges of the Fenway consortium, comprised of six neighboring colleges that jointly offer 2,500 courses.
Accredited by the New England Association of Schools and Colleges, Inc.
Office of Student Financial Services400 The FenwayBoston, MA 02115
617-735-9938617-735-9939 (fax) [email protected]
www.emmanuel.edu