FINANCING YOUR LAWDEGREE

AT QUEEN’S, WE WANT YOU TO SUCCEED.

That’s why we focus on supporting you, inmany ways, throughout your education here.While you are at Queen’s we want you tofocus on the really important things—learn-ing and discovering, thinking big and doingthings that just might change the world.

We want you to have the information youneed, and the help you require, to financeyour education. We know that even thoughall Queen’s students have the ability toachieve their academic goals, not all students share the ability to fully financetheir Queen’s education on their own.

Please take the time to explore all youroptions and develop a financial plan that works for you, so you can focus on learning and on your academic success.

queensu.ca/studentawards

ADMISSION SCHOLARSHIPSDuring each admission cycle, Queen’s offersadmission scholarships on the basis of academicexcellence. No scholarship application is required.Additional entrance scholarships available in the J.D. degree program require an application in September.

UPPER-YEAR SCHOLARSHIPSScholarships are available to students who have completed at least one year of studies at Queen’s. At the end of each academic year, the Faculty ofLaw reviews student achievement during that year.Top students are then selected to receive one (ormore) of the many upper-year scholarships, prizesand other merit-based awards. The faculty grantsmost upper-year scholarships automatically, how-ever, some scholarships do require a separateapplication. Refer to the Student Awards websitefor a listing of faculty-specific scholarships.

Approximately 26% of Law students receive$385,000 in Queen’s merit-based scholarshipseach year.

BURSARIESBursaries are non-repayable grants available toregistered students in any year of study who havedemonstrated financial need. Demonstrated finan-cial need is based on, but not restricted to, thefollowing factors: student and family (if applicable)income, number of dependants in the family (if applicable), applicant's assets — including savings, the full cost of the program of study,

books and supplies, and basic living expenses. In order to qualify, students must be accessinggovernment student assistance for the upcomingacademic year as well in prior post-secondarystudies. Note: Once you have been out of highschool for more than 4 years, you are consideredindependent. This means your family income isyour income, not parental income.

Students applying to the first year of the J.D.program can apply for a Law Admission Bursary.We encourage students to apply by February 15,2016. This early application process providesprospective students offered admission withupfront knowledge of the bursary assistance they will receive upon registration to Queen’s.We will continue to accept Law AdmissionBursary applications until your AdmissionResponse deadline.

Each year you are a registered full-time student,you may apply on-line for a Queen’s GeneralBursary on your SOLUS Student Centre. The deadline to apply is October 31 each year.

In 2014-15, Queen’s granted more than $705,000in Queen’s bursaries to Law students. The averagebursary received by Law students at Queen’s was$4,800.

OTHER SCHOLARSHIP OPTIONS(EXTERNAL AWARDS)Many agencies, employers and organizationsoffer awards for post-secondary students. Theseexternal awards (not administered by Queen’s)require separate applications, and applicationdates vary. Check the Student Awards website for links to sites that may be of interest to you.

Financial Fact In 2015-2016 the maximum amount of OSAPassistance available to a single student fromOntario was $13,963 (combination of grantsand loans). The repayable loan amount willnot exceed $7,400 per year*.

GOVERNMENT STUDENT ASSISTANCECANADA/ONTARIO INTEGRATED LOANS(OSAP) The federal and provincial governments provide stu-dent financial assistance for Canadian citizens, permanentresidents, and protected persons studying at the post-secondary level. Students from Ontario may accessgovernment student financial assistance through theOntario Student Assistance Program (OSAP). The purpose is to supplement, not replace, the financialresources that you (and your family, where applicable)are expected to contribute. Assistance is based on demonstrated financial need as established by thefederal and provincial governments and is offered inthe form of non-repayable grants and repayable loans.

Once you have been out of high school for morethan 4 years, you are considered as an independentapplicant. This means your family income is yourincome, not parental income.

*The Ontario Student Opportunity Grant limits theannual repayable loan amount to $7,400 per year for atwo term academic year. The loans are interest-free whileyou are a full-time student.

Application forms and detailed information aboutOSAP are available at: osap.gov.on.ca.

OSAPAid Estimator

Get an immediate on-lineestimate of the government

assistance you may be eligible to receive.

osap.gov.on.ca

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Financial Fact Approximately 60% of all Queen’sLaw students are in receipt ofgovernment loans and grants.

GOVERNMENT STUDENT ASSISTANCEPROVINCES/TERRITORIES OUTSIDEONTARIOEvery province/territory within Canada provides student financial assistance for Canadian citizens, permanent residents, and protected persons studying at the post-secondary level. This need-based assistanceis intended to supplement, not replace, the financialresources that you (and your family, where applicable)are expected to contribute.

You must apply for government student financial assistance through your home province/territory.Application forms and detailed information aboutthese programs are available by linking to the appro-priate government websites accessible from theStudent Awards website.

STUDENT LINES OF CREDIT It is not uncommon for students to access resourcesthrough a Student Line of Credit in addition to thefunds they receive through the government assistanceprogram. Law students are encouraged to explore per-sonal line of credit programs tailored to professionaldegree programs offered by some banks, such as theRoyal Bank of Canada and Scotiabank.

These loans do not require a demonstration of finan-cial need and provide special terms to assist thefinancing of studies in a professional degree program.

law.queensu.ca/jd-admissions/costs-financial-assistance

INTERNATIONAL STUDENTSInternational students may hold student loansthat have been secured through their homecountry. Contact the appropriate agency inyour country for further information.

Queen’s University participates in the William D. Ford Federal Direct LoanProgram, in which borrowers obtain loanfunds directly from the U.S. Department ofEducation. Please visit the Student Awardswebsite for further details.

American students may also utilizeSection 529 savings plans at Queen’s.

WORK STUDY PROGRAMThe objective of the Work Study Program is to provide an opportunity for students infinancial need to receive priority for certainpart-time jobs, generally on-campus, duringacademic terms. The maximum you may earnfor the fall/winter academic year is $2,000.Students of international citizenship mayearn up to $3,000 for the fall/winter academicyear.

If you did not indicate that you wished to be considered for Work Study on your LawAdmission Bursary Application, or did not sub-mit a Law Admission Bursary Application, you may complete a separate Work StudyApplication that enables the Student AwardsOffice to determine the extent of your need.Students are encouraged to submit the WorkStudy Application at any time during the sum-mer. The deadline for submission to the StudentAwards Office is September 15.

Financial Fact Effective financial planningand budgeting are excellentways to prepare yourself each year for the educationand living expensesassociated with your post-secondary education. OurAwards Officers are availablefor appointments to discussyour financial situation.Sessions offer tips onbudgeting and a review ofthe various options that maybe available to assist you infinancing your education.

HOW MUCH WILL MY FIRSTYEAR COST?The chart provides guidelines for thecosts you may incur – including botheducation and living expenses – fromSeptember through April. To someextent, the amount it costs to attend Queen’s will depend onthe choices you make.

Estimated Total Cost of Attendance for 2015-2016TUITION (for domestic students), Student Assistance Levy $17,624ANCILLARY FEES $ 1,070Student Activity Fee BOOKS AND SUPPLIES $ 1,830(if acquiring a computer from Queen’s, you should budget an additional $500 per year)Subtotal Tuition and Books $20,524LIVING EXPENSES Rent/Utilities $ 3,750 – $Food $ 1,600 – $Other Personal Expenses $ 1,550 – $

ivLocal Transportation Full access to Kingston Public Transit System

6,0502,0002,400

Subtotal Living Expenses $ 6,900 – $10,450TOTAL ESTIMATED COST OF ATTENDANCE $27,424 – $30,974

i The Board of Trustees reserves the right to make changes in the scale offees if, in its opinion, circumstances so warrant.

ii Tuition fee is for all new full-time domestic students (i.e. Canadian citizens,permanent/landed residents, native persons and exempt internationalstudents).

iii Total Fees include the Tuition Fee and Ancillary Fees (Student ActivityFee and Student Assistance Levy). Tuition Fee and Ancillary Fees arebased on 2015–16 schedules.

iv Refer to “Bus-It” (SGPS) – some exceptions apply.

v All costs based on a single full-time student with no dependants for an eight-month school year.

vi Costs for rent/utilities vary from sharing accommodations to renting a one-bedroom apartment.

vii New incoming international students should see the fee schedule at queensu.ca/registrar/currentstudents/fees/undergrad.html See also the fees required for the University Health Insurance Plan at quic.queensu.ca/incoming/costofliving.asp

queensu.ca/studentawards

TWO STUDENTS, TWO FINANCIAL PLANSStudents use a variety of funding sources to payfor their education. To some extent the amount of resources required to fund your education willdepend on the choices you make.

We have illustrated two financial plans for two stu-dents who are entering the Queen’s JD program infall 2015. Both have been out of high school forfour years, and are single with no dependants.

Cost of attendance is a critical factor in the assess-

ment of financial need. It is important to notethat bursary amounts may vary depending oneach law school’s cost of attendance, and therespective university financial aid policies. At many schools in Canada, this cost may range from approximately $25,000 to more than $40,000. At Queen’s, some students may be eligible to receive Queen’s need-based assis-tance of up to one-third of the Queen’s cost of attendance.

Scenario 1:

Student received maximum government studentfinancial assistance throughout undergraduatestudies.

Government Loans (repayable)* $ 7,400Government Grants (non-repayable)*^ $ 6,563Queen’s Bursary Assistance** $ 0Queen’s Work Study Program $ 2,000Summer resources $ 2,500Professional Student Line of Credit $10,750

Scenario 2:

Student completed undergraduate degree without requiring government assistance.

ProfessionalStudentLine of

Summer resources

Credit Government Loans

(repayable)*Queen’s

Work Study Program

Total Resources

$29,200Queen’s Bursary

Assistance Government Grants (non-repayable)*^

* The amounts depicted in the above scenarios for Government Loans and Government Grants are based on financial assistance available to a single Ontario student qualifying for the maximum amount of funding under the Ontario Student Assistance Program (OSAP). The amount of financial assistance from other provinces and territories will vary.

^ OSAP grants may include both the Canada Student Grant program and the Ontario Student Opportunity Grant(which is available to reduce a student’s annual OSAP debt by limiting the repayable debt to $7,400 for a two-termacademic year).

**Based on the level of government assistance and Student Line of Credit accessed in year 1, it is expected that students in Scenario 2 (should their financial circumstances remain unchanged) may qualify for some Queen’sfinancial assistance in their upper years.

Government Loans

(repayable)*Professional Student Line Total of Credit

Resources$29,200

Government Grants Summer Resources (non-repayable)*^

Queen’s Work Study

Program

Government Loans (repayable)* $ 7,400Government Grants (non-repayable)*^ $ 6,563Queen’s Bursary Assistance $ 7,400Queen’s Work Study Program $ 2,000Summer resources $ 2,500Professional Student Line of Credit $ 3,350

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Student AwardsGordon Hall, 74 Union StreetQueen’s UniversityKingston, OntarioK7L 3N6Tel 613.533.2216Fax 613.533.6409awards@queensu.caqueensu.ca/studentawards