2012-13 Tuition & Payment Guide

A personal college. An investment in your future.

Tuition and Payment Guide2012-2013

Office of Student Financial Serviceswww.emmanuel.edu

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2012-2013 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 Policy 18

Tuition Insurance 19

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 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 MySaints, you will be able to access Online Academic Resources, where you can: • viewyourtuitionbill• viewyourfinancialaidaward• payyourtuitionbill• registerforclasses• viewyourtranscript• viewyourgradesandmore

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Tuition & Fees

Fall Spring Total

Tuition $16,725 $16,725 $33,450

Room and Board (double) $ 6,495 $ 6,495 $12,990

StudentActivityFee $ 100 $ 100 $ 200

OrientationFee(one-time) $ 225 $ 0 $ 225

Total* $23,545 $23,320 $46,865

HealthInsurance(seepage5) $1,637 $ 0 $ 1,637

Total with Insurance* $25,182 $23,320 $ 48,502

*Coursefeesrangingfrom$55to$100maybechargedforsciencelabsandartstudiocourses.PleaseseetheAcademicCatalogfordetails.

Room and Board Most students are placed in a double or a triple room. The cost for a double is $12,990 and the cost of a triple is $10,490, both of which include the cost of a meal plan. For more information on meal plans, please see page 6. For more information about other room options, please visit the “Student Life” page of the Emmanuel website or contact Residence Life at 617-735-9746 or [email protected].

Payment Due Dates

ThefallsemesterbalanceisdueonAugust8,2012.Thespringsemesterbalance is due on December 14, 2012.

Tuition & Fees

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Health Insurance

TheCommonwealthofMassachusettsrequiresallstudentsenrolledatleastthree-quarterstimetobeenrolledinahealthinsuranceplan.Toensurethatyouaremeetingthisrequirement,youareautomaticallyenrolledintheCollege’shealthplanandarechargedtheannualhealthinsurancepremiumof$1,637.

Waiving the College’s Health Insurance StudentswhohavetheirownhealthinsurancecoverageandwouldliketowaiveenrollmentintheCollege’splanmustcompletetheonlinehealthinsurancewaiveratwww.universityhealthplans.combyAugust8,2012.

StudentswhodonotcompletethewaiverformbyAugust8,2012willautomaticallybechargedthepremium,eveniftheyhaveothercoverage.

Enrolling in the College’s Health InsuranceStudentswhodonothavecoveragearerequiredtoenrollintheCollege’s healthinsuranceplanbycompletingtheonlineenrollmentformat www.universityhealthplans.combyAugust8,2012.

Please note that these forms must be completed annually and are separate from the health immunization forms required by the Health Services Office.

Emmanuel College Health Insurance ProviderFordetailedinformationregardingthecoverageprovidedby theCollege’shealthplanandtopurchasedentalorvision insurance,pleasevisittheUniversityHealthPlanswebsiteat www.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 convenientforthoselookingforaquickmeal.

Resident StudentsAllresidentstudentsarerequiredtohaveamealplan,whichisincludedinthecostofroomandboard.

Residentstudentsbegineachyearwith15mealsperweekand$95in“flexdollars”persemesterthatcanbeusedintheAtriumCaféandMuddyRiverCafé.Studentshavetheoptionofchangingthisplanto19mealsperweekwith$25inflexdollarspersemesteratnocostbycontactingBonAppétitat617-735-9952.

Commuter StudentsCommuterstudentshavetheoptionofpurchasingoneoftwomealplans:

Commuter Meal Plan Cost per Semester

5mealsperweek $485

8mealsperweek $775

Topurchaseacommutermealplan,pleasecontacttheOSFSatfinancialservices@emmanuel.eduorcall617-735-9938.

Studentswishingtopurchaseacommutermealplanmustdosoeachsemester.Commutermealplansarenon-refundable.Pleaseconsiderhowoftenyouwillusethemealplanpriortopurchasingamealplan.

Tuition & Fees

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Fenway Card TheFenwayCardisyourofficialidentificationatEmmanuelCollege.Youshouldcarrythecardatalltimeswhileoncampus.

TheFenwayCardisusedto:• 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• over80popularoff-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 September4,2012

Spring February1-May31 EarlyJanuary*

*PleasevisittheEmmanuelwebsiteinthefallfortheSpringMBTAenrollmentformdeadline.

FeeinformationisincludedontheMBTAEnrollmentFormavailableon our website and MySaints.Visitwww.emmanuel.eduandclickon“Tuition&Aid.”Fromhere,youwillselect“Forms&Publications.”

ForinformationregardingMBTAroutesandschedules,pleasevisittheMBTAwebsiteatwww.mbta.com.

TheMBTAdiscountisofferedbytheMBTAandisnotadministeredbyEmmanuelCollege.WeencourageyoutoevaluatehowoftenyouwillusetheMBTApriortopurchasingthesemesterpass.TheMBTAdoesnotofferrefunds.

Tuition & Fees

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On-Campus Parking

ParkingattheCollegeisextremelylimited.Onlycommuterstudentswithoutaccesstopublictransportationwillbeconsidered.

Tobeconsideredforon-campusparking,youmustsubmitaparkingapplication,availableintheOfficeoftheVicePresidentofStudentAffairs.StudentsapprovedforparkingwillbenotifiedbytheOfficeoftheVicePresidentandtheirpasswillbeavailableintheOfficeofStudentFinancialServicesonceyouraccountispaidinfull.Applicationsmustbesubmitted each semester.

Enrollment Status Cost per semester

Part-TimeStudent $225

Full-TimeStudent $375

Tuition & Fees

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Personal Check

Onlinecheckpayments(ACH)maybemadeonlineviaOnlineAcademicResources (mysaints.emmanuel.edu) using your student login or online at www.afford.com/emmanuel(studentloginnotrequired).Thereisnofeeforpayingonlinewithacheck.

Checksmayalsobemailedto:EmmanuelCollegeOfficeofStudentFinancialServices400TheFenwayBoston,MA02115

A$25fee(inadditiontoanylatepaymentfee)willbechargedfor anydishonoredcheck.Foreigncheckcollectionfeeswillbecharged whenapplicable.

Wire Transfer

Pleasesendwiretransfersto:TDBank15 Broad StreetBoston,MA02109AccountName:EmmanuelCollegeAccountNumber:8246095017ABANumber:031101266(forwiretransfers)ABANumber:211370545(forACHtransfers)

Whenmailingorwiringapayment,pleaseincludeyour nameandEmmanuelCollegeStudentIDnumberorSocialSecurity number.

Payment Options Payment Options

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Credit Card

Creditcard(AmericanExpress,DiscoverandMasterCard)paymentscanbemadeonlineviaOnlineAcademicResources(mysaints.emmanuel.edu)usingyourstudentloginoronlineatwww.afford.com/emmanuel(studentloginnotrequired).A2.99%conveniencefeeischargedforcreditcardordebitcardpayments.

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

EnrollOnline www.afford.com/emmanuel

PhoneNumber 1-800-722-4867

EducationalTaxBenefits Educationaltaxcreditscanhelpoffsetthecostofeducation.Thereareavarietyoftaxincentivesforfamilieswhoaresavingfor,oralreadypaying,highereducationcosts,orarerepayingstudentloans.Weencourageyoutoresearchthesetaxcreditswhenfilingyour2012taxes.Formoreinformation,please visitwww.irs.gov.

Payment Options

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Parent Loans

Ifyourparentwillbetheprimaryborrower,theparentmaywanttoconsideroneoftheloansbelow.Theseparentloansofferfixedinterestratesandtheoptiontodeferrepaymentwhileyouareenrolledatleasthalf-time.

Federal Direct Parent PLUS Loan

ApplyOnline www.studentloans.gov

Paperapplicationisavailableonlineatwww.emmanuel.edu(inthe“Forms&Publications”sectionof“Tuition&Aid”)orbycallingourofficeat617-735-9938.

Note:IfyourparentisdeniedtheParentPLUSLoan,theparentmayappealthedecisionandapplywithanendorserorthestudentmaybeeligibletoborrowadditionalDirectUnsubsidizedStaffordLoanfunds.TheParentPLUSLoanisbasedoncredit;incomeisnotconsidered.

Massachusetts Educational Financing Authority (MEFA) Undergraduate Loan

ApplyOnline www.mefa.org


Inadditiontotheloansreferencedinthisguide,therearemanyotherloansavailable.Weencourageallborrowerstodotheirownresearchandselectthelenderthatisbestforthem.

Formoredetailedinformationregardingpaymentoptions,ortoapply,pleasevisitwww.afford.com/emmanuel.

*Thisinformationisaccurateatthetimeofprinting;pleasecontactthelenderdirectlyatthetimeofapplicationtoverifyloanratesandterms.

Payment Options

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Private Student Loans

Theprivatestudentloanslistedbelowmayrequireaco-signerandmayhavetheoptionofdeferringpaymentsduringenrollment.Somefactorstoconsiderwhenchoosingalenderincludeinterestrate,fees,co-signerreleaseoptionandrepaymentperiod.Pleasevisitthelender’swebsite formoreinformation.

MEFA Student Alternative Loan

ApplyOnline www.mefa.org


CitiAssist Loan

ApplyOnline www.studentloan.com


Citizens TruFit Loan

ApplyOnline www.citizensbank.com/edu


Wells Fargo Collegiate Loan

ApplyOnline www.wellsfargo.com/student


Starttheloanprocessweekspriortothesemesterbillduedatetofacilitatetheprocessandavoidlatefees.Loansmaytakeweekstoprocessandonlyreflectonyouraccountafterfinalapprovalhasbeenreceivedfromthelender.Ifyouplanonborrowingaloan,westronglyrecommendyouapplyfortheentireyear,insteadofapplyingeachsemester.

Payment Options

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Private Scholarships

Scholarshipsareagreatsourceoffreemoneyandhelpreducethetotalcostoffinancingyoureducation.

Ifyoureceiveaprivatescholarshipandwishtousethisaspaymenttowardyouraccount,please:

• makesureyouunderstandandfulfilltherequirementsfor thereceiptofyourscholarshipfunds.• submitacopyofthescholarshipcheckand/oraward notificationtotheOSFS.• clearlynotatethenameofthescholarship,yourname andstudentIDnumberwiththecheckand/or awardnotifications.

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,pleasecheckOnlineAcademicResourcesviaMySaints to viewmissinginformationorcontacttheOSFS.

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

Avarietyofon-andoff-campusjobopportunitiesareavailabletoEmmanuelstudentswhoareinterestedinworking.On-campusjobsareavailableinacademicdepartments,theresidencehallsandinadministrativeoffices.Also,ourdesirableBostonlocationaffordsstudentstheopportunitytoseekemploymentwithinashortwalkfromcampus.

Allstudentsareeligibletoapplyforon-campusjobs,regardlessofwhetheryouareawardedFederalWork-Study.However,theCollegehasanumberofpartnershipswithoff-campusorganizationsthatprovideemploymentopportunitiestostudents;theseopportunitiesarelimitedtostudentswhoareawardedFederalWork-Study.

Applying for JobsYoumaysearchforon-andoff-campusemploymentopportunitiesontheEmmanuelCollegeCareerConnect(EC3),whichmaybeaccessedthrough MySaints. Aftercreatingalogin,list“EmmanuelCollege”astheemployertoviewavailableon-campuspositions.Youcanapplyforjobsdirectlywiththesupervisorlistedonthejobposting.Studentemploymentpositionsarepostedbeginninginthesummerandareupdatedthroughouttheyear.

StudentemploymentisnotguaranteedandstudentswhoareawardedFederalWork-Studyarenotrequiredtowork.Becauseon-campusjobsarelimited,ifyouareinterestedinworkingoncampus,youshouldvisitEC3andapplyforjobsassoonaspossible.

Forinformationconcerningnearbyoff-campusemploymentandinternshipopportunities,youareencouragedtocontacttheOfficeofInternships&[email protected].

Policies

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Employment Paperwork Toworkonoroffcampus,youmustcompleteemploymentpaperworkincludingtheI-9EmploymentAuthorizationFormandtheW-4andM-4taxwithholdingforms.

Ifyouareinterestedinworking,youshouldhavethefollowingpaperworkwithyouwhenyouarriveinSeptember:

• avoidedcheckforcheckingaccountsorverification statementincludingaroutingandaccountnumberfor savingsaccounts• valididentification,suchasaU.S.passportORadriver’s licenseANDSocialSecuritycard.Pleasebringoriginals;we areunabletoacceptcopies.

PaychecksStudentswhochoosetoworkwillhavetheirpaycheckdirectlydepositedintotheirbankaccounteverytwoweeksforhoursworked.Pleasenote,thefirstpaycheckwillbeapaperpaychecksenttothestudent’scampusmailbox.Sincestudentsarepaidforhoursworked,earningsfromstudentemploymentcannotbedeductedfromyourbill.

Policies

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Withdrawal Policy

Withdrawal from a CourseCourseschedulechangesmustbemadeduringthesemester’sadd/dropperiodtoreceivearefund.Aftertheadd/dropperiod,youareliableforthecostofcoursesfromwhichyouwithdraw.

Beforefinancialaidisdisbursed,yourenrollmentandhousingstatusareconfirmedaftereachsemester’sadd/dropperiod.Youraidmaybeadjustedifyourenrollmentand/oryourhousingstatuschangedfromwhatwasoriginallyreported.

Withdrawal from the CollegeAfterthestartofclasses,feesarenotrefundable,andtuition,room andboardarerefundedbasedonthepolicybelow.ToofficiallywithdrawfromtheCollege,youmustcontactyourAcademicAdvisorortheRegistrar’sOffice.Non-attendance does not constitute an official withdrawal.

Withdrawal Date % of Refundable Tuition, Room & Board Charges

Priortostartofclass 100%

Week1 75%

Week2 50%

Week3 25%

AfterWeek3 NoRefund

Financial AidWhenwithdrawingfromtheCollegepriortothe10thweekofthesemester,federalaideligibilityisdeterminedusingtheReturnofTitleIVfundscalculationbelow:

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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Tuition Insurance

TuitioninsuranceisavailablethroughSallieMaeInsuranceServicestohelpprotectyourinvestmentifthestudentisunabletocompleteclassesfortheacademictermduetophysicalormentalillness,injuryordeath.Studentshavetheoptionofpurchasingvaryingamountsoftuitioninsurancebasedontheneedsofthestudentandfamily. ParticipationinthetuitioninsuranceisoptionalandisnotadministeredbyEmmanuelCollege.TheCollege’swithdrawalpolicy(pleaseseepage18formoreinformation)isapplicablewhetherornotyouenrollinthetuitioninsuranceplan. Ifyouhavequestionsregardingtheplanorwouldliketoapply, pleasecontactSallieMaeInsuranceServicesat877-445-0264orvisit www.salliemaeinsurance.com/emmanuel.

Refund Process

Ifyouhaveacreditonyouraccountafterpayingyourbill,youmayreduceyourloanamountorhavethecreditappliedtowardyournextsemesterbalance.YoumayalsorequestarefundthroughOnlineAcademicResourcesviaMySaints,ontheEmmanuelwebsite,orinouroffice.StudentswhorequesttheirrefundthroughOnlineAcademicResourcesmayrequesttohavethefundsdirectlydepositedintotheirbankaccount.

Becausefinancialaidisdisbursedaftertheadd/dropperiod,mostrefundsarenotavailableuntilmid-OctoberforthefallsemesterandlateFebruaryforthespringsemester.

StudentswhoborrowedloanfundstopayforbooksorhousingshouldbepreparedtopurchasebooksandpayrentforSeptemberandOctoberinthefallsemesterandJanuaryandFebruaryinthespringsemester.

Policies

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Delinquent Accounts

Thepaymentoftuitionandfeesisyourresponsibility.Youraccount maybechargeda$100latefeeifyourbalanceisnotresolvedbythebilldue date.

Inadditiontobeingchargedalatefee,ifpaymentisnotreceivedinatimely manner:

• youraccountwillbecomedelinquentandafinancial holdwillbeplacedonyouraccount.• youwillbeunabletoparticipateincourseregistration, room selection or graduation.• theCollegewillwithholdyourdiplomaand academictranscript.• youraccountwillbereferredtoacollectionagency andyouwillberesponsibleforthecostsincurredwith thecollectioneffort.Onceanaccountisreferredtoan outsideagency,allinquiriesandpaymentsaremadeto the collection agency.

Itisyourresponsibilitytobeawareofyourbalanceandresolveanyoutstandingbalances.TheOSFSisavailabletoassistyouwiththisprocess.Wemaybereachedat617-735-9938orfinancialservices@emmanuel.edu.

Policies

Important Dates

No later than

Fall Semester

Enroll in payment plan (if applicable) July 15, 2012

Apply for educational loan (if applicable) July 15, 2012

Fall 2012 semester bill payment due August 8, 2012

Complete Online Health Insurance Waiver or Enrollment Form

August 8, 2012

Fall MBTA Pass Application deadline September 4, 2012

Spring Semester

Spring 2013 semester bill payment due December 14, 2012

First spring TMS payment due (if applicable)

December 15, 2012

Complete Online Health Insurance Waiver or Enrollment Form (only for students not enrolled in the fall)

January 9, 2013

Priority Filing Date for Financial Aid for 2013-2014

March 1, 2013

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: 1,800• 94% of first-year students live on campus• Nearly 90% of students participate in an internship• 80% participate in community service• Average class size of 20• 35 countries and 33 states and territories represented on campus• 96 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

2012-13 Tuition & Payment Guide

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