11-12_FA_Tuition-payment-guide

A personal college. An investment in your future.

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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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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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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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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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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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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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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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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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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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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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


Inadditiontotheloansreferencedinthisguide,therearemanyotherloansavailable.Weencourageallborrowerstodotheirownresearchandselectthelenderthatisbestforthem.

Thisinformationisaccurateatthetimeofprinting;pleasecontactthelenderdirectlyatthetimeofapplicationtoverifyloan rates and terms.

Payment Options

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Private Student Loans

Theprivatestudentloanslistedbelowmayrequireaco-signerandmayoffertheoptionofdeferringpaymentsduringenrollment.Somefactorstoconsiderwhenchoosingalenderinclude:interestrate,fees,co-signerreleaseoptionandrepaymentperiod.Pleasevisitthelender’swebsite formoreinformation.

Chase Select Loan

ApplyOnline www.chaseselectloans.com


Citizens TruFit Loan

ApplyOnline www.citizensbank.com/edu


CitiAssist Undergraduate Loan

ApplyOnline www.studentloan.com


MEFA Student Alternative Loan

ApplyOnline www.mefa.org


Starttheloanprocessweekspriortothesemesterduedatetoavoidlatefeesandfacilitatetheprocess.Loanstakeweekstoprocessandonlyreflectonyouraccountafterfinalapprovalhasbeenreceivedfromthelender.

Payment Options

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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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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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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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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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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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Refund Process

StudentswhohaveacreditontheiraccountmayrequestarefundbycompletingaRefundRequestFormwiththeOSFS.

ThisformisavailableintheOSFS,onthePortalandunderthe“Tuition&Aid”sectionofourwebsite.Fromhere,youwillselect“Forms&Publications.”

Becausefinancialaidisdisbursedaftertheadd/dropperiod,mostcreditrefundchecksarenotavailableuntilmid-OctoberforthefallsemesterandlateFebruaryforthespringsemester.

Studentswhoborrowedadditionalloanfundstopayforbooksoroff-campushousingshouldbepreparedtopurchasebooksandpayrentforSeptemberandOctoberinthefallsemesterandJanuaryandFebruaryinthespringsemester.

Policies

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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

11-12_FA_Tuition-payment-guide

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