Financial Information

EXPENSES

The total cost of a higher education today is only partially met by tuition and other fees charged by an independent college. To keep these costs at a reasonable level and still provide a quality-individualized education, it is necessary that colleges obtain additional funding from various outside sources. At Curry College these sources include the College’s investment of its own endowment funds; gifts from friends, foundations, corporations, alumni, parents, and other donors; and, to a limited extent, federal and state funds.

Charges are due and payable in two installments. A non-refundable $300 Room Deposit for all returning residents is due each spring to secure a space on campus for the ensuing year. First and second semester tuition, mandatory fees, and if applicable, room and board, payments are due for the Fall and Spring semester respectively by the dates and in the amounts specified in the semester invoice. Payments received after the due dates are subject to late fees.

Continuing Education and Graduate Charges

Please call the Division of Continuing and Graduate Studies at (617) 333-2364 to inquire about tuition rates, which vary by program.

Student Health Insurance Plan

The Commonwealth of Massachusetts requires colleges and universities to provide a Student Health Insurance Plan (SHIP) with minimum statutory levels of coverage. Curry College provides this coverage to all students who are enrolled in at least 75% of the full time curriculum. Unless an insurance waiver is completed by the specified due date, insurance will be provided by the College. The rate for the 2023-2024 year is $3,621 for the full year and $2,111 for spring admits.

For additional information on the Curry College sponsored student health insurance plan, or to complete a waiver online, visit https:// www.universityhealthplans.com/Curry.

Important Health Insurance Note for students enrolling in the summer 2024 semester:

Students continuing enrollment in the summer semester and who purchased health insurance through the College during fall 2023 or spring 2024 may be charged an additional amount not yet determined, on their student account to extend coverage through the end of the summer semester.

Note: Please check the Curry website www.curry.edu/tuitionandfinancialaid as updates of costs will be posted once available.

Room Rate

This charge provides a room assignment to one of the College residence halls. The room rate is assessed based on your assignment to a specific building or room or any room or building changes you request. As a result, your initial fall semester bill may change once your room assignment is finalized.

Important note: The dining facility and all residence halls are closed during official College vacations, and meals and rooms are not provided during these vacations.

Housing Deposits

Students who want to secure on campus housing must make a housing deposit of $300.

Entering Students:

All entering students make the housing deposit at the time of depositing for admission and it is included in the $500 resident student deposit (entering students who will be commuting make a $200 deposit at the time of admission). Questions about the admission deposit process should be directed to the Admissions Office.

Continuing Students:

A $300 housing deposit is required to secure on-campus housing. For more information about the housing deposit and room selection process, log in to myCurry and review the information under the Student Life tab.

Comprehensive Fee

The Comprehensive Fee allows the College to offer a variety of co-curricular, co-academic and support services to traditional students to enhance their academic and student life experiences while enrolled at Curry.

Orientation Fee

An orientation fee is required of all new students to cover the cost of the summer and fall orientation programs. This is a fixed fee for all new students and supports transitional programming for New Students at the beginning of each semester.

Parking Fee

There is a parking fee for resident students and students who live off campus who use the College parking facilities. The College reserves the right to revoke the parking privileges of any student who does not comply with the parking and traffic regulations. These regulations are included in the Curry College Motor Vehicle Code, available from the Public Safety Office.

Tuition Insurance

Each year thousands of college students are unable to complete classes for the semester due to unforeseen medical issues such as illness, accidents, or mental health related issues. Unfortunately, in many cases these families are unable to recoup their tuition dollars. At Curry College, depending on the timing of the withdrawal, there may be circumstances where you may not be eligible to receive a refund of your tuition and fees. We understand that these types of situations can be a financial hardship for many families. Therefore, we are pleased to make available an optional Tuition Refund Insurance Plan.

Tuition Refund Insurance can help refund your tuition, fees, and room/board charges, up to the policy limits, if you are unable to complete the semester due to a covered medical reason such as an illness, accident, or mental health issue. This insurance program complements and enhances our school’s refund policy and we believe families will benefit from this added protection. Visit www.gradguard.com/curry for more information.

Undergraduate Credit Hour Tuition Charges

The additional tuition charge for each course credit over 18 in any one semester is $1,456. The tuition charge for each credit of a total course load below 12 credits in any one semester is $1,456. Students paying full-time tuition and enrolled full-time are allowed to sit in on other courses without credit, if space is available. All course fees must be paid.

Credit Hour Tuition Charges for Overloads: Enrolling in more than 18 credits

The additional tuition charge for each registered credit over 18 in any one semester is $1,456. This applies to but is not limited to any course, lab, internship, independent study, etc. which places the student in more than 18 credits in the semester.

Private Music Instruction

There is a fee for private lessons. For a schedule of charges, consult the Visual & Performing Arts Coordinator.

Laboratory and Workshop Fees

Some individual Curry College courses include associated fees; please see the course descriptions for details. The fees cover costs of materials and equipment upkeep.

Tuition for Non-Matriculating Students

Non-degree students register through Curry’s Division of Continuing and Graduate Studies. Please call the Division of Continuing and Graduate Studies at (617) 333-2364 to inquire about tuition rates, which vary by program. Non-degree students may audit Continuing Education or Graduate courses on a space available basis. Auditors are subject to full tuition and fees for the course and must be formally registered.

Graduation Fee

At the time of graduation, all Continuing Education and Graduate students will be assessed a one-time fee of $50. This fee is intended to defray some of the expenses associated with the printing and mailing of diplomas.

Charges for Non-Classroom Learning Credit

Field Experiences

The normal per credit tuition rates apply to all Field Experience courses taken at the College.

Life Experience Credit

An evaluation fee will be charged only for credit granted by the Committee on Equivalent Education for past life experiences that are equivalent to college-level work. The evaluation fee will be charged at $75 per credit. Please note: these credits cannot be included when your financial aid eligibility is being determined.

Proficiency Evaluation

An evaluation fee will be charged at $75 per credit hour. Please note: these credits cannot be included when your financial aid eligibility and enrollment for federal loan deferment is being determined.

Good Financial Standing

All tuition and fees are payable on the date specified prior to the opening of each semester. Any student who fails to settle all outstanding balances is at risk for losing the semester’s course schedule and, if applicable, their housing assignment. Additionally, the student may not check in at the start of the semester nor depart for study abroad/exchange programs, register for or attend classes, participate in student activities including athletics, utilize campus facilities such as the Fitness Center, be provided transcript service, receive grade reports, or be granted a degree. The student is responsible for any collection costs incurred by the College in collecting past due balances. Students must be in Good Financial Standing to participate in all Curry College programs and activities included but not limited to participation as an athlete, resident assistant, student government leader, and club member. To be in Good Financial Standing, a student must have settled their student accounts for all balances currently due. A student’s account is considered “settled” when it is either paid or covered by one or a combination of the following:

• Pending financial aid, including alternative loans, with no outstanding paperwork or other issues remaining. Funds must be approved by the lender to be disbursed directly to the College at a specific future date.

• A current and up-to-date payment plan established through Curry’s third- party servicer, which allows payments to be spread over the course of the academic year.

Billing Statements

Electronic Bills are available via the myCurry portal. Students must complete an e-consent form (which can be found online through the myCurry portal under the Finances tab) to receive electronic notification of the availability of the bill. Students are strongly encouraged to give the bill payer access to their electronic bill by granting them permission to view their financial matters on the myCurry portal for families. See instructions below. It is the student’s responsibility to notify Curry’s Registrar’s Office promptly of any change in address. Fall semester bills are generally available to view in mid-June. Spring semester bills are generally available to view in mid-November. Each bill is due in full within 30 days of the billing date and prior to the start of the semester.

Students can view their current bill online by logging onto their myCurry account through the portal at

• curry.edu

• clicking on the finances tab

• clicking on the student account invoice

New transactions may take up to 24 hours to appear online.

The college will adhere to the requirements of and comply with the Veterans Benefits and Transition Act of 2018, specifically S2248 PL 115-407 Section 103.

The college permits any covered individual to attend or participate in the course of education during the period beginning on the date on which the individual provides to the educational institution a certificate of eligibility for entitlement to educational assistance under chapter 31 or 33 of this title.

The college ensures that the educational institution will not impose any penalty, including the assessment of late fees, the denial of access to classes, libraries, or other institutional facilities, or the requirement that a covered individual borrow additional funds, on any covered individual because of the individual’s inability to meet their financial obligations to the institution due to the delayed disbursement of a payment to be provided by the Secretary under chapter 31 or 33 of this title.

Instructions for Family myCurry Portal

A student can select who, if anyone, they wish to provide access to see their financial matters online or discuss with a representative of the Office of Student Financial Services by changing the family member’s access from “no” to “yes” for each individual family member under the myFamily link of the myInfo tab of the student’s myCurry account.

Note: you can change access rights at any time by returning to the myFamily access link.

To Notify Curry About Errors in Your Student Account

If you believe your bill contains an error or you wish to dispute any item contained on it, describe the nature of your dispute in writing and mail it to Curry College, Attn: Student Financial Services, 1071 Blue Hill Avenue, Milton, MA 02186 or email to studentaccounts@curry.edu. Contact us in writing as soon as possible to preserve your rights. We must hear from you in writing no later than 60 days from the time that we sent you the first bill on which the error or problem occurred. Please provide the following information in your letter:

1. Your name and student ID number

2. The dollar amount of the suspected error

3. Describe the error in as much detail as you can, explaining why you believe there is an error.

After we receive your written notice, we will acknowledge your letter within seven days. Within 14 days from the receipt of your letter, we will either correct the error, or explain our findings to you.

Pending Financial Aid Payments

Students must complete and return all additional documentation, verification, corrections and/or new information requested by Curry’s Office of Student Financial Services or the outside agency to which an application was submitted. Financial aid awards will not be posted to a student’s account if any paperwork is missing. If paperwork remains outstanding, the financial aid may be forfeited and the student will remain responsible to pay any amounts that would have been covered by the financial aid.

The College reserves the right to decline to register or to continue the registration of any student whose presence it regards as detrimental to the general welfare of the College.

Credit Balances and Refunds

If your cash payments and financial aid, including any disbursements of Federal Title IV funds such as Federal Pell Grants or Federal Direct Loans, create a credit balance on your student account, we will retain these credits on your student account to be used against the charges of future terms of enrollment within the same academic year, only if you complete a Credit Balance Authorization Form (CBA Form). Otherwise, a refund, payable to the student, will be either electronically transferred to your bank account* or a check will be mailed to your permanent address according to the timeframe established by the federal government. Note: checks are not available for pick-up and can take up to 14 days after your refund is processed to arrive.

*All students are urged to register with Nelnet, the College’s electronic refund partner to provide you with faster access to your money. There is NO FEE for this service. To register for E-refunds:

• Log into your myCurry account.

• Click on Account Invoice, under the Finances tab (myFinances for Continuing Education/Graduate students).

• Click on the Nelnet link – located at the bottom of the invoice.

• You will be brought to the Nelnet website to create an account. Your account will be prepopulated with information from your Curry student account. Click NEXT.

• Each time you log in going forward, this will be your Nelnet account home screen.

• Click on Manage Refunds to update banking information.

• Confirm your information is correct, including student ID. Click Next.

• Select “Bank Account/Direct Deposit”.

Note: If you do not select a refund method, a check will be sent to your permanent address (on file with the College) via first class mail and it will take approximately 14 days to arrive from the date your refund request is processed. It is crucial that you keep your permanent address current with Curry College.

• Enter your banking information.

• Click Save after entering the information

Student Refund of Credit Balances

You may request a student refund for any portion of any credit balance on your student account even if you have filed a CBA Form (see “credit balances” previously). Refunds will only be issued for actual credit balances and will not be issued based on “pending” payments. A student refund normally requires approximately two weeks to process. All student refunds will be made payable to the student except in cases where the credit is based solely on a federal loan to the parent and the parent has not consented to the student receiving the refund. Students may request the refund online through their myCurry account.

• Once logged in go to the finances tab (myFinances tab for Continuing Education/Graduate students)

• Click on refund request

Students can request a direct deposit of any credit balance directly into their bank account. Students sign up for direct deposit of their refund through their myCurry account, Finances tab, on the portal.

Please be aware that institutional based financial aid funds will not post to your student account until approximately one week after that semester’s Add/Drop deadline. Refer to the Academic Calendar for Add/Drop dates.

Bookstore Vouchers

You may request a Bookstore Voucher up to the amount of your expected credit balance, including pending financial aid payments. Students must have a Credit Balance Authorization Form (CBA) on file to be eligible for a voucher. However, pending Nelnet monthly payment plan payments will not be considered for this purpose. The vouchers may be used to purchase textbooks and supplies in the Campus Bookstore. All vouchers expire 30 days from the date of issue. Unused voucher amounts will be returned to your student account within 60 days of their expiration date.

You may request a Bookstore Voucher by:

• Logging into your myCurry account

• Click on the finances tab (myFinances tab for Continuing Education/Graduate students)

• Click Bookstore Voucher request

TRADITIONAL UNDERGRADUATE REFUND SCHEDULE

Entering student deposits for fall semester 2023 are refundable up to May 1, 2023.

Prior to the day of check-in, a student who officially withdraws from the college, is eligible to receive a 100% refund on tuition and certain other fees.

Room and board charges, possible refunds and contract termination charges are discussed below in “Housing Policy and Room and Board Agreement”. The refundable percentage of tuition declines as of the day of check in as described below:

Prior to the day of check-in, a student who officially withdraws from the college, will have 100% of all Tuition Assistance (TA) funds returned to the Military Department that issued the benefits. The returnable percentage of tuition assistance benefits declines as of the day of Check In as described below:

GRADUATE COHORT REFUND SCHEDULE

ACCELERATED NURSING COHORT REFUND SCHEDULE

CONTINUING EDUCATION UNDERGRADUATE REFUND SCHEDULE

HOUSING POLICY AND ROOM & BOARD AGREEMENT

The Room and Board Agreement is binding for the entire academic year. Room and board charges do not fall under the tuition and fees refund schedule, but as follows:

Request to Terminate Room & Board Agreement Based upon Student’s Withdrawal from College

If after signing the Room & Board Agreement a student decides to withdraw from the College, the student must notify the Office of Residence Life & Housing in writing. The College, in its sole discretion, can determine if the notice of withdrawal results in the termination of the Room & Board Agreement. If the College determines that a student’s withdrawal from the College terminates the Room & Board Agreement, the student will be responsible to pay the following to the College:

TERMINATION FEE SCHEDULE

All housing deposits are non-refundable and non-transferable, regardless of the time of, or reason for, the termination of this Agreement.

The amount the student is responsible to pay will consist of pro-rated charges based on the date the Agreement is deemed terminated, plus a termination fee. The amounts the student is responsible to pay will be charged to the student’s account with the College. The student bears the obligation to pay those amounts.

This Fee Schedule does not apply to students who no longer live in the residence hall because of conduct and/or disciplinary issues. Please see the Termination of Room & Board Agreement Based on Student Conduct section for further information.

Request to Terminate Room & Board Agreement for Reasons Other Than Withdrawal or Dismissal from the College

Residents who wish to terminate the Room & Board Agreement for any reason other than withdrawal or dismissal from the College must receive prior written permission from the College, through the Director of Residence Life & Housing or other designees to terminate Agreement. A resident may request permission to terminate this Agreement by completing and submitting a request to terminate the housing Room & Board Agreement to the Office of Residence Life & Housing.

Termination of Room & Board Agreement Based on Student Conduct

Resident students dismissed from college housing or the college due to conduct issues will remain responsible for their housing room & board charges as follows:

Removed from College Housing

Should a student be removed from college housing during the term of the Room & Board Agreement, they will remain responsible for the full room and board charges for the full academic term of the Room & Board Agreement, even if the student is removed during the first semester of the two semester term.

Suspended from the College

Should a student be suspended from the College during the term of the Room & Board Agreement, they will remain responsible for the full room and board charges for the current semester when they are suspended. If suspension is during the first semester of the academic term, in addition to the above, the student will be billed, at the time of suspension, a $1,000 termination fee for the second semester.

For more details, please refer to the Housing Policy and Room & Board Agreement, which can be found under the Residence Life section.

Return of Title IV Funds

Any student who withdraws from all classes officially or unofficially, is suspended or administratively withdrawn or takes an approved leave of absence, but attended the institution for at least one day during the semester and received or was eligible to receive federal financial aid, is subject to a Return of Title IV Funds calculation. This calculation is mandated by the federal government. Any student who receives Title IV funds will be subject to this policy.

The calculation is determined in the following manner. The College must calculate the percentage of financial aid that a student has “earned” during the semester. This is calculated by dividing the number of days the student attended by the number of days in the semester. Refund calculations for students attending 8-week classes only will be based upon the term(s) scheduled to be attended.

Students who remain enrolled through the 60% point of the semester are considered to have earned 100% of their financial aid and will not owe a repayment of the Title IV funds. Title IV funds include: Federal Pell Grants, Federal SEOG, Federal Direct Stafford Subsidized or Unsubsidized Loans, Federal Perkins Loans, TEACH Grants and Federal Direct PLUS Loans. Federal Work Study is excluded from this calculation. Even though a student may be eligible to retain his/her financial aid after the 60% point, enrollment is reported to the National Clearinghouse on a monthly basis and may affect the grace period on your loans. The calculation will be done within thirty days of a student’s withdrawal from the College. You will be notified in writing of any adjustments to your financial aid. If the College is required to return any of the Title IV funds that a student received, it may result in an amount owed by the student to the College. Failure of the student to return funds to the federal financial aid programs in a timely manner may result in the student being ineligible to receive future financial aid.

Return of Commonwealth of Massachusetts Funds

Any student who withdraws from all classes or takes an approved leave of absence, but attended the institution for at least one day during the semester and received or was eligible to receive Commonwealth of Massachusetts’s funds is subject to a state withdrawal calculation.

FINANCIAL AID

Curry College recognizes the need on the part of some students for financial assistance to meet the cost of higher education. Each student applying for financial aid must file the Free Application for Federal Student Aid (FAFSA) specifying Curry College as a recipient (school code # 002143). The student is also required to provide Curry’s Student Financial Services Office with any other documents or information requested by the Student Financial Services Office. Please refer to the College’s website for a checklist of documents required.

Student Responsibilities

It is your responsibility to:

• Complete the Free Application for Federal Student Aid (FAFSA) online at www.studentaid.gov in order to have eligibility determined for and receive a financial aid award that includes federal grant, loan or work-study assistance. (Curry College’s school code # is 002143). • Review and consider all information about the College’s programs before you enroll.

• File your FAFSA as early as possible to meet the priority deadline of March 1 for new admissions or April 15 for returning students. Errors can delay your receiving financial aid. Intentional misreporting of information on application forms for federal financial aid is a violation of law and is considered a criminal offense subject to penalties including fines and imprisonment under the U.S. Criminal Code.

• Return all additional documentation, verification, corrections, and/or new information requested by either the Student Financial Services Office or the agency to which you submitted your application.

• Read and understand all forms that you are asked to sign and keep copies of them.

• Accept responsibility for all agreements that you sign including but not limited to loan promissory notes.

• If you have a loan, notify the lender of any changes in your name, address, or College enrollment status and complete all loan exit counseling requirements.

• Perform in a satisfactory manner, the work that is agreed upon in accepting a Federal Work-Study award.

• Know and comply with the deadline for application or reapplication for aid.

• Know and comply with the College’s refund procedures.

• Maintain satisfactory academic progress in accordance with the standards in the Financial Aid Satisfactory Academic Progress Policy.

Students Financial Aid Rights

Keep yourself informed about:

• What financial assistance is available, including information about all federal, state, and institutional financial aid programs.

• What the deadlines are for submitting applications for each of the financial aid programs available.

• What the cost of attendance is, and what the policies are on refunds to students who withdraw, take a leave of absence or are administratively or judicially removed from the College.

• What criteria are used to select financial aid recipients.

• How the College determines your financial need. This process includes how costs for tuition and fees, room and board, travel, books and supplies, and personal and miscellaneous expenses, etc. are considered in your budget.

• What resources (such as parental contribution, other financial aid, your assets, etc.) are considered in the calculation of your need for financial aid.

• How much of your financial need, as determined by the institution, has been met.

• The various programs in your student aid package. You have the right to request reconsideration of the award which was made to you if your financial situation substantially changes after you filed your Free Application for Federal Student Aid (FAFSA).

• What portion of the financial aid you receive must be repaid, and what portion is grant aid. If the aid is a loan, you have the right to know what the interest rate is, the total that must be repaid, the repayment procedures, the length of time you have to repay the loan, and when repayment is to begin.

• How the College determines whether you are making satisfactory progress, and what happens if you are not (see Satisfactory Progress to Degree Completion).

• Graduate students may apply only for loans.

FINANCIAL AID SATISFACTORY ACADEMIC PROGRESS POLICY

Undergraduate Degree Students including Continuing Education Students

Whether enrolled on a full or part-time basis, all undergraduate and Continuing Education degree-seeking students must maintain Satisfactory Academic Progress (SAP) in order to receive financial aid. Satisfactory Academic Progress is defined as proceeding toward successful completion of degree requirements. Curry College has adopted the following SAP standards in accordance with U.S. Department of Education requirements. These SAP standards are for financial aid purposes only and do not replace or override the academic policies of the College. Eligibility to continue enrollment at the College and to participate in varsity athletics can be found in the Academic Policies and Procedures section of the Curry College Catalog and on the College website. All students are responsible for ensuring their adherence to SAP and all other academic standards.

Satisfactory academic progress includes three standards of measurement:

1. Cumulative Grade Point Average (qualitative)

2. Credits Earned (quantitative)

3. Maximum Time Frame (length of study)

Cumulative Grade Point Average (Qualitative)

In order to retain financial aid eligibility, all undergraduate and Continuing Education students must maintain a minimum cumulative grade point average based on the attempted number of credits:

Attempted credits are those credits for which a student is registered at the end of the College’s official course add/drop period. Thus, attempted credits include all graded courses, accepted transfer courses, courses from which a student has withdrawn after the drop/add period (W), and courses in which a student receives an incomplete (IN).

A student’s cumulative GPA is based on graded credits only. Transfer courses, withdrawals, and incompletes are not included in a student’s cumulative GPA.

Credits Attempted versus Credits Earned (Quantitative)

All students must complete at least 67% of the credits which they attempted. The 67% is based on a ratio of the cumulative number of credits a student has attempted versus the cumulative number of credits a student has earned and a maximum of 180 credits. For example:

• A student who has attempted 30 credits should have success fully completed at least 20 of those credits.

• Full-time students typically must earn at least 20 credits per year. In other words, the student should have earned 1/6 of the total number of credits required to complete the degree by the end of the first year, 2/6 or 40 credits by the end of the second year, etc.

Maximum Time Frame (Length of Study)

Students must complete all of their degree requirements within the maximum allowable time frame which cannot be longer than 150% of the published length of the program or the required number of credits of the student’s degree program. Students enrolled full-time and earning a four-year degree are allowed up to six years or 180 attempted credits of financial aid eligibility to earn the 120 credits required for degree completion.

Regardless of whether a student is receiving financial aid during the time frame, semesters and credit hours are used toward the maximum time frame allowance. Once a student has exceeded the maximum time frame or 180 credits, the student will no longer be eligible for financial aid. If at any point within the course of their program, it becomes apparent that a student will be unable to meet SAP standards within the maximum time frame, the student will become ineligible for financial aid.

Satisfactory Academic Progress Reviews

All degree-seeking undergraduate students, including those enrolled through the Division of Continuing Education will be evaluated for Satisfactory Academic Progress at the end of the Spring semester as part of the College’s regular annual review process for all three of the standards of measurement outlined in the SAP policy. Regular annual reviews will occur when all grades and credit hours have been officially recorded by the Registrar. Students who do not meet one or more of the SAP standards will become ineligible to receive financial aid and will be notified of their ineligibility by the Student Financial Services Office. A student may appeal the loss of financial aid by following the procedures outlined in the Regaining Financial Aid Eligibility section.

Students who enroll in a semester following the annual SAP review and choose to appeal will be reviewed for adherence to the SAP standards at the end of that semester, regardless of when the appeal is received.

For example: Students who end the spring semester on probation and choose not to appeal prior to the completion of the next period of enrollment are still required to appeal for SAP if seeking aid for future semesters. Furthermore, that next period of enrollment following the annual SAP review automatically becomes the semester in which a student will be re-reviewed for SAP compliance.

Note: The summer semester is included as a period of enrollment.

Regaining Financial Aid Eligibility

Enrolling without Financial Aid

A student who is academically eligible to continue in their program may do so without financial assistance if they are able to settle their tuition account by using other financing options. A student may regain aid eligibility for future semesters by coming into compliance with the SAP requirements.

The Right to Appeal

Eligibility for financial assistance may be regained in some cases by appeal. If the appeal is approved by the College, a student is eligible to enroll and receive financial assistance either on a Financial Aid Probation Status or an Academic Education Plan for their next semester of enrollment. A student may appeal no more than twice while attempting to earn a degree at the College.

Appeal Process

A student may file an Appeal to the Appeals Committee in order to attempt to receive financial aid. The Appeals Committee consists of the Associate Vice President of Financial Aid, Director of Financial Aid, Registrar, Associate Vice President of Academic Affairs, Academic Success Coordinator, and a representative of the Continuing Education and Graduate Studies Office as appropriate.

Please note: these appeals are separate from academic appeals and appeals to participate in varsity athletics while on academic probation.

Grounds for filing a financial aid appeal may include a documented serious medical condition, death of an immediate family member, or an unusual circumstance that interfered with a student’s performance.

A student, themselves, must submit the Appeal and include the reason for being unsuccessful in achieving satisfactory academic progress and explain in detail why they were unable to maintain Satisfactory Academic Progress, and to detail their plan to return to Satisfactory Academic Progress status. All supporting documentation should be included with the Appeal. Please submit the Appeal online via the MyCurry portal. Please note: Incomplete Appeal forms cannot be reviewed by the Appeals Committee. If you have questions regarding the Appeal process, please contact the Student Success Coordinator at SAP@curry.edu

Appeal Outcomes

The College will notify students in writing of the outcome of their Appeal within two weeks after the Appeals Committee has reviewed the Appeal. All decisions of the Appeals Committee are final.

Financial Aid Probation

If a student’s Appeal for financial aid eligibility is approved, the student may be placed on Financial Aid Probation status. Probation status may be granted if the student’s failure to maintain SAP was due to an extraordinary circumstance beyond the student’s control. A student who is placed on Financial Aid Probation status will temporarily regain financial aid eligibility for one successive payment period only.

A student will then be reevaluated at the end of that one semester of enrollment. If a student is unable to return to Satisfactory Academic Progress by the end of that semester, the student will become ineligible for future financial aid at the College until such a time as they return to SAP.

For example: If a student is placed on Probation at the end of the Spring semester, and chooses to attend the upcoming Summer semester their SAP status will be evaluated upon completion of the Summer semester. If the student meets the SAP standards at the end of the Summer grading period, they will remain eligible for financial aid for the Fall. If the student does not make Satisfactory Academic Progress at the end of the Summer semester, they will become ineligible for financial aid until such a time as they return to Satisfactory Academic Progress.

Students who are on Financial Aid Probation, but who elect not to attend during the Summer semester will be eligible to receive financial aid for the Fall semester and will be evaluated at the end of the Fall semester. If a student meets the SAP standards at the end of the Fall grading period, they will continue to remain eligible for financial aid for the Spring semester. If a student does not meet the SAP standards at the end of the Fall semester, they will become ineligible for financial aid until such time as they return to Satisfactory Academic Progress.

Academic Education Plans

As a result of a SAP Appeal review process, an Academic Education Plan may be developed with the student. An Academic Education Plan may be offered as an option to students who are not meeting the SAP standards but who have a strong likelihood of regaining SAP and successful program completion while continuing to receive financial assistance. The initial review of a student’s SAP under the Academic Education Plan will take place at the end of the first semester that a student is enrolled under the Plan and thereafter annually at the end of the Spring semester as long as the student continues to meet the terms of their Plan. Failure to meet the standards of their Academic Education Plan will result in financial aid ineligibility in subsequent semesters.

Unapproved Appeals

The College will deny Appeals from students who would be unable to meet the SAP standards within the maximum time frame allotted for them to earn their degree.

Financial Aid Satisfactory Academic Progress for Graduate Students – Effective July 1, 2011

Whether enrolled on a full or part-time basis, all graduate students must maintain Satisfactory Academic Progress (SAP) to receive financial aid.

Curry College has adopted the following SAP standards in accordance with the U.S. Department of Education requirements. These SAP standards are for financial aid purposes only and do not replace or override the academic policies of the College. Eligibility to continue enrollment at the College can be found in the Academic Policies and Procedures of the annual Curry College Catalog and on the College website. All students are responsible for ensuring their adherence to SAP and all other academic standards.

Satisfactory academic progress for Graduate students includes three standards of measurement:

1. Cumulative Grade Point Average (qualitative) and Minimum Grade Per Course

2. Credits Earned (quantitative)

3. Maximum Time Frame (length of study)

Cumulative Grade Point Average (Qualitative)

In order to retain financial aid eligibility, all graduate students enrolled in a degree program must maintain a minimum cumulative grade point average of 3.0. If a student’s GPA falls below 3.0, their financial aid eligibility will be reviewed.

Minimum Grade in Each Course

The minimum passing grade in each graduate course is a B-. If a student receives a grade of C+ or below in any course, this will result in a review of their financial aid eligibility.

Credits Attempted Versus Credits Earned (Quantitative)

All students must complete at least 67% of the credits, which they attempted. The 67% is based on a ratio of the cumulative number of credits a student has attempted versus the cumulative number of credits a student has earned.

Attempted credits are those credits for which a student is registered at the end of the College’s official add/drop period. Therefore, attempted credits include all graded courses and transfer courses, courses from which a student has withdrawn after the drop/add period (W), and courses for which a student receives an incomplete (IN). For example, a student who has attempted 18 credits must successfully complete at least 12 of those credits.

For a part-time student, satisfactory academic progress will be evaluated at the end of each semester and the student will also be required to complete the same 67% of their credits to be considered to be making satisfactory progress and to be eligible for financial aid.

Maximum Time Frame (Length of Study)

Students must complete all of their degree requirements within the maximum allowable time frame which cannot exceed 150% of the published length or the required number of credits of the program.

For example: If the published length of a full-time master’s program is two years and the number of credits earned for the degree is 36, the maximum time frame for completion is three years and the maximum credits attempted would be 54.

Regardless of whether a student is receiving financial aid during the time frame, all semesters and credit hours are used toward the maximum time frame. Once a student has exceeded the maximum time frame, the student will no longer be eligible for financial aid. If at any point within the course of their graduate program it becomes apparent that a student will be unable to meet SAP standards within the maximum time frame, the student will become ineligible for financial aid.

Satisfactory Academic Progress Reviews

All degree-seeking graduate students will be evaluated for Satisfactory Academic Progress (SAP) at the end of the Spring semester as part of the College’s regular annual review process for all three of the standards of measurement outlined in the SAP policy. Regular annual reviews will occur when all grades and credit hours have been officially recorded by the Registrar.

Students who do not meet one or more of the SAP standards will become ineligible to receive financial aid and will be notified of their ineligibility by the Student Financial Services Office. A student may appeal the loss of financial aid by following the procedures outlined in the Regaining Financial Aid Eligibility section.

Students who enroll in a semester following the annual SAP review and choose to appeal will be reviewed for adherence to the SAP standards at the end of that semester, regardless of when the appeal is received.

For example: Students who end the spring semester on probation and choose not to appeal prior to the completion of the next period of enrollment are still required to appeal for SAP if seeking aid for future semesters. Furthermore, that next period of enrollment following the annual SAP review automatically becomes the semester in which a student will be re-reviewed for SAP compliance.

Note: The summer semester is included as a period of enrollment.

Regaining Financial Aid Eligibility

Enrolling without Financial Aid

A student who is academically eligible to continue in their graduate program may do so without financial assistance if they are able to settle their tuition account by using other financing options. A student may regain financial aid eligibility for future semesters by coming into compliance with the SAP requirements.

The Right to Appeal

A student may attempt to regain financial aid eligibility by filing an Appeal if an extraordinary circumstance exists. If the Appeal is approved by the College, the student will be eligible to enroll and receive financial aid either on a Financial Aid Probation Status or on an Academic Education Plan for their next semester of enrollment. A graduate student may file an Appeal only once during their enrollment in a degree program at the College.

Appeal Process

A student may file an Appeal to the Appeals Committee in order to attempt to receive financial aid. The Appeals Committee consists of the Associate Vice President of Financial Aid, Director of Financial Aid, Registrar, Academic Success Coordinator, a member of the Academic Dean’s Office and as applicable, a representative from the of Continuing Education and Graduate Studies Office

Please note: these appeals are separate from academic appeals.

Grounds for filing a financial aid appeal must be due to an extraordinary circumstance such as a documented serious medical condition or death of an immediate family member that interfered with a student’s performance.

A student, themselves, must file the Appeal and explain in detail why they were unable to maintain Satisfactory Academic Progress, and to detail their plan for returning to Satisfactory Academic Progress status. All appropriate supporting documentation should be included with the Appeal. Completed Appeals may be scanned and e-mailed, faxed or sent by U.S. mail to the committee. Please note: Incomplete appeal forms cannot be reviewed by the Appeals Committee. Please submit the Appeal online via the MyCurry portal. If you have questions regarding the Appeal process, please contact the Student Success Coordinator at SAP@curry.edu.

Appeal Outcomes

The College will notify students in writing of the outcome of their Appeal within two weeks after the Appeals Committee has reviewed the Appeal. All decisions of the Appeals Committee are final.

Financial Aid Probation

If a student’s Appeal for financial aid eligibility is approved, the student may be placed on Financial Aid Probation status. Probation status may be granted if the student’s failure to maintain SAP was due to an extraordinary circumstance beyond the student’s control. A student who is placed on Financial Aid Probation status will temporarily regain financial aid eligibility or one successive payment period only. A student will then be re-evaluated at the end of that one semester of enrollment. If a student is unable to return to Satisfactory Academic Progress by the end of that semester, the student will become ineligible for future financial aid at the College until such a time as they return to SAP.

For example: If a student is placed on Probation at the end of the Spring semester, and chooses to attend the upcoming Summer semester their SAP status will be evaluated upon completion of the Summer semester. If the student meets the SAP standards at the end of the Summer grading period, they will remain eligible for financial aid for the Fall. If the student does not make Satisfactory Academic Progress at the end of the Summer semester, they will become ineligible for financial aid until such a time as they return to Satisfactory Academic Progress.

Students who are on Financial Aid Probation, but who elect not to attend during the Summer semester will be eligible to receive financial aid for the Fall semester and will be evaluated at the end of the Fall semester. If a student meets the SAP standards at the end of the Fall grading period, they will continue to remain eligible for financial aid for the Spring semester. If a student does not meet the SAP standards at the end of the Fall semester, they will become ineligible for financial aid until such time as they return to Satisfactory Academic Progress.

Academic Education Plans

As a result of a SAP Appeal review process, an Academic Education Plan may be developed with the student. An Academic Education Plan may be offered as an option to students who are not meeting the SAP standards but who have a strong likelihood of regaining SAP and successful program completion while continuing to receive financial assistance.

The initial review of a student’s SAP under the Academic Education Plan will take place at the end of the first semester that a student is enrolled under the Plan and thereafter annually at the end of the Spring semester as long as the student continues to meet the terms of their Plan. Failure to meet the standards of their Academic Education Plan will result in financial aid ineligibility in subsequent semesters.

Unapproved Appeals

The College will deny Appeals from students who would be unable to meet the SAP standards within the maximum time frame allotted for them to earn their degree.

Financial Aid Course Repeat Policy

A student may repeat a course once when the initial grade is C- or lower. The second grade is recorded on the student’s transcript, as well as the first. However, only the higher grade is included in calculating the overall grade point average, and only the credits associated with the higher grade are included in credits earned toward graduation. One repeated course is permitted per semester.

Effective July 1, 2011, U.S. Department of Education requirements state that a repeated course may count toward a student’s enrollment status (full-time or part-time status) for financial aid eligibility under the following conditions:

• The course is repeatable for credit. Please see specific course descriptions for applicability.

• The student received a failing grade or withdrawal in the previous attempt and is re-taking the course to receive credit

• The student received a passing grade and is re-taking the course for the first time in order to achieve an academic standard set by the student’s specific program (such as a minimum grade requirement in Nursing, Education, etc.) or to improve the GPA.

Repeated courses cannot count toward enrollment status for financial aid eligibility in the following case:

• The student has already taken and passed the course more than once and is repeating the course again. Please note: Students may not re-take a course more than one time without written permission of the faculty member and/or the student’s advisor. If permission is granted, the repeated course will not count toward enrollment for financial aid purposes.

All repeated courses, regardless of whether they are eligible for financial aid, count toward the student’s attempted credits for the purpose of determining satisfactory academic progress and progress toward degree completion within the maximum allotted timeline for financial aid eligibility.

Explanation of the Return of Title IV Student Aid Policy

The federal refund policy applies to any student who withdraws from all classes or takes an approved leave of absence or is dismissed by the College, but attended the institution for at least one day during the semester for which refunds to federal financial aid programs are due. If a student ceases enrollment as determined by the office of the Registrar before completing the 60% point of the semester (measured in calendar days completed) and has received federal aid, a calculation will be performed to determine the amount of unearned funds to be returned. The amount of funds earned up to the date of withdrawal will be retained on the student’s account. The College is required to return a portion of unearned funds to the federal government in accordance with the Return to Title IV refund calculation. Each state has its own refund policy governing both funds awarded by the individual state directly to the student and funds administered by the College on the state’s behalf. Examples of Return of Title IV calculations for withdrawn students are available in the Student Financial Services Office. Any student receiving Federal Title IV funds will be subject to the following policy regarding return of Federal Title IV funds. Title IV federal financial aid includes: Federal Pell Grants, Federal SEOG, Smart and TEACH Grants, Federal Direct Stafford Loans (subsidized and unsubsidized), and Federal Direct PLUS Loans. Federal WorkStudy is excluded.

The College and the student will be required to return to the federal aid programs the amount of aid received that was in excess of the aid “earned” for the time period that the student remained enrolled.

The percentage of the semester completed is the percentage of aid earned. This is calculated by the number of days the student attended divided by the number of days in the payment period (i.e. semester). For example, if a student withdrew on the 20th day of a semester 114 days in length, the student would have earned only 17.5% of the total aid (s)he was initially awarded. (20/114=0.175). Refund calculations for students attending 8-week classes only will be based upon the term(s) scheduled to be attended.

Scheduled breaks of five consecutive days or longer, i.e. Spring break, are excluded from both the numerator and the denominator in the calculation.

Students who remain enrolled through more than 60% of the payment period are considered to have earned 100% of the aid received and will not owe a repayment of Title IV grant funds, if they withdraw after this time.

If the College returns funds to the Title IV aid programs, it could result in the student owing Curry College for charges that were originally paid at the time of the aid disbursement. Students may also be required to return funds that were released to them for personal expenses. Failure of the student to return funds to federal financial aid programs in a timely manner may result in the student being ineligible for future federal student aid. Title IV refunds are made directly to the Title IV aid programs, and NOT to students. Monies returned to the Title IV aid programs will be applied first to loans to reduce the loan debt of the student and/or parent borrower.

Return of Commonwealth of Massachusetts Funds

Any student who withdraws from all classes or takes an approved leave of absence or is dismissed by the College, but attended the College for at least one day during the semester and received or was eligible to receive Commonwealth of Massachusetts funds is subject to a state withdrawal calculation.

ADDITIONAL POLICIES

Student Financial Services maintains a number of policies which are posted to the Curry web. You are urged to review all policies and contact the office if you have any questions about how these policies may impact you and your eligibility for financial aid. Policies can be reviewed at https://www.curry.edu/admission-andaid/tuition-and-financial-aid/financial-aid-policies

Financial Aid comes in three forms: Grants and scholarships, loans, and student employment.

The following Financial Aid Programs are available:

Curry College Named Scholarships

Named Scholarships are provided through the generosity of donors and are awarded by the Curry College Office of Student Financial Services to full-time traditional students annually. The listing below outlines criteria for each of the Named Scholarships we currently offer. Students will automatically be given scholarship consideration based on the eligibility requirements for each scholarship. There is no separate application required. If you have any questions about your eligibility for any of the scholarship funds listed below, please contact the Student Financial Services Office at 617-333-2354 or Fin-Aid@curry.edu.

Established by Ted Baldwin, who excelled at Curry and graduated magna cum laude. Ted reached his full academic potential through the PAL program which helped him see his dyslexia as a challenge to his learning abilities and as an opportunity and not as a disability. In the spirit of helping others confronting their own learning abilities, this scholarship is awarded to a deserving student in the PAL program.

This scholarship was established by Paul ’83 and his wife Jean Carroll in memory of their son, Paul Carroll, III. In appreciation of the wonderful care and compassion the nursing staff showed their son and family while he was hospitalized. This scholarship is awarded to a Nursing student from MA in need of financial assistance.

This scholarship was established by Nancy Kidder in memory of her son Neil Collins. Neil was a man of integrity who took his responsibilities seriously and could be counted on to keep his word. He overcame many obstacles and faced challenges with great courage. This scholarship is awarded to adult students with learning disabilities who, like Neil, embark on the journey of transformative learning and discover the amazing strengths they bring to it.

This scholarship was established in memory of Joseph Drapkin by his late wife, Frieda Drapkin. Both long-time trustees of the College, the Drapkins demonstrated excellence in the achievement of entrepreneurial endeavor and civic leadership. The scholarship is awarded to deserving Curry students of high standards and good character who strive to attain similar entrepreneurial and civic achievement.

Established by Carol Freedman ’66, an Education major while a student at Curry and very active member of the Curry College campus. Carol made a very successful career of educating elementary age students. Awarded to a deserving Education major of good character, academic ability, with preference given to a student aspiring to a career in teaching.

This scholarship was established to provide aid to worthy students in the PAL program seeking education beyond High School.

This scholarship was established by Mr. and Mrs. Alan G. Weiler of Scarsdale, New York, in honor of Mrs. Weiler’s father, to aid deserving, intellectually gifted students of the Program for Advancement of Learning (PAL) who could not otherwise avail themselves of this unique opportunity.

This scholarship was established by the Student Government Association of Curry College in memory of long-time Curry Professor and Dean Edward H. Hastings. It is awarded to a student of junior status in good academic standing who has made a contribution to the arts, particularly music, at Curry College.

This scholarship was established to perpetuate the memory of Justin Hughes. A 1996 honors graduate of the College, Justin was killed shortly after his graduation from Curry in the summer of 1997. Justin was 23 years old. It is awarded to a returning student who has participated in at least one semester in the GEAR-UP Program or similar community outreach program and has committed to at least one semester of continued participation each year of the award.

This scholarship was established by Justin Hughes’ parents, Pat and Carole, to continue to honor the memory of their son. The goal of the scholarship is to help high achieving students who need financial assistance in order to complete their degrees. The fund will be awarded to one or more students who are at least entering their Junior year who have a minimum 3.0 grade point average, are in good social standing and have a demonstrated financial need.

This scholarship is sponsored by alumnae of the Perry Normal School, a predecessor school of the Curry College Education Department which became part of the College in 1974. It is awarded each year to an education major showing academic promise and financial need. The scholarship honors Perry’s long-time teacher and dean, Vivian C. Jewett.

This scholarship was established by Mr. and Mrs. Arnold Kahn of Albany, NY, in memory of their son, Jerrold P. Kahn ’73. It is awarded to a deserving entering junior or senior in the Communication program, with preference given to a student who aspires to a career in radio.

The Mahoney Family Scholarship is an endowed scholarship established by Trustee John “Ted” Mahoney, Esq. and Barbara, the parents of Curry alumnus John J. Mahoney ’03. It is awarded to students demonstrating both financial need and an exceptional determination to overcome challenges and succeed at Curry College.

This scholarship was established by Judith and Michael Meshken. It is awarded to a needy student attending the College on a full-time basis who has proper academic and moral standing. Preference shall be given to students from Connecticut.

This scholarship was established by Mr. and Mrs. David M. Phillips in loving memory of their daughter Jennifer after her death in 1980. It is awarded to an outstanding freshman, sophomore or junior with learning disabilities or one who wishes to teach those with learning disabilities. The recipient must demonstrate financial need and academic excellence defined as “striving and working to full potential.

This scholarship was established in accordance with the final wishes of Lois R. Pickering, a 1932 graduate of the Perry Normal School, a predecessor school of the Curry College Education Department which became part of the College in 1974. It is awarded to a returning student who has demonstrated good character, respect for others and of the teaching and learning environment.

This scholarship was established by Roy K. Publicover ’68, a former trustee of Curry College, in memory of his parents, Cecilia R. and Albert F. Publicover. It is awarded each year to a deserving sophomore, junior, or senior

This scholarship was established by parents Cherie F. Quain and Ira E. Berliner with love and in honor of their children. It will provide assistance to a deserving member(s) of the junior class who clearly loves Curry College as much as Samuel and Kyle did and still do.

This scholarship was established by Juanita Queen, a former member of the Curry College Corporation, in memory of her mother, Gertrude Whall Queen ’02, an alumna and major benefactor of Curry College. It is awarded to deserving female students of demonstrated ability, character, and potential for excellence.

This scholarship was established by a longtime Curry College employee and friend, Mrs. Carol G. Wagner, in memory of her eldest son. It is awarded to deserving juniors or seniors of character, commitment to helping others, and overall promise who are concentrating in sociology.

This scholarship was established through a donation from the New England Sinai Hospital Charitable Foundation in memory of former Curry College Board of Trustees member Jerald S. Savage. He was deeply committed to giving back to the community serving as treasurer of the Curry College Board of Trustees since 1996. The scholarship is awarded to a nursing student(s).

This scholarship was established by the Scangas Foundation. It is awarded to students of ability and need majoring in business Administration. Preference will be given to students from Lynn, MA, and to employees or children of employees of West Lynn Creamery, Inc. and Richdale Dairy Stores, Inc., but excluding any persons related to the owners of those companies

This scholarship was established by Samuel Shapiro, a noted industrialist, philanthropist, and holder of an Honorary Doctoral degree from Curry, along with his wife, Bernice. It is awarded to gifted yet needy students in the Program for Advancement of Learning (PAL) who, like their grandson, a Curry alumnus, demonstrated prior outstanding leadership abilities at the secondary school level

This scholarship was established in memory of a vibrant young man, loyal friend, and loving son, whose life flourished while attending the Program for Advancement of Learning (PAL). The scholarship provides Jordan’s fellow PAL students with the means to continue their education at Curry and the support they need to achieve their full potential.

This scholarship was established in memory of Mr. Will, a highly regarded member of Curry’s Board from 1972 to 1983. It is awarded to students of high standards and good character who show potential for civic and community leadership, with preference given to students from Canton and Milton, MA.

OTHER INSTITUTIONAL AID PROGRAMS AVAILABLE

Need-Based Curry Grants

are awarded by the Curry College Student Financial Services Office to full-time, traditional, degreeseeking students who demonstrate financial need as a result of filing the FAFSA. The total of Curry grants, scholarships and waiver funds cannot exceed tuition. Students must reapply for aid annually to determine eligibility. All grants are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester.

Curry Grant

Awarded to full-time, traditional undergraduate degree seeking students on the basis of demonstrated financial need as evidenced by the filing of the FAFSA and as funding levels permit. Award amounts vary.

Other Curry College funds are available based on the eligibility requirements noted for each award below. You do not have to file a FAFSA for consideration of this funding.

Merit Based Scholarships

The College offers a number of merit based scholarships. During the admission process, each student who is offered admission to Curry College will automatically be considered for a merit scholarship. Your continued eligibility for these funds in future semesters will be reviewed annually at the close of the spring semester grading period. The award amount will not increase and students not offered a merit award at the time of admission are not eligible for these funds in a future semester.

The College offers a number of merit based scholarships. During the admission process, each student who is offered admission to Curry College will automatically be considered for a merit scholarship.

For students entering the College as of September, 2017: Curry College Trustees Scholarship, Academic Achievement Scholarship, and Excellence Scholarship are awarded to acknowledge past academic achievement, promising academic ability, demonstrated leadership skills, character and citizenship, community service and talent. These awards range from $3,000 to $27,500 and are renewable for three additional years provided you continue consecutive enrollment as a full-time, degree seeking student, maintain a minimum 2.0 grade point average and remain in good social and judicial standing. No additional application or FAFSA is required to be eligible for merit scholarships. Students who file the FAFSA may qualify for need-based aid in addition to a merit scholarship.

Curry Success Scholarship

In addition to one of the above merit scholarships, first-year students entering the College prior to September, 2019 , were considered for a Curry Success Scholarship. Students meeting a minimum high school GPA and SAT/ACT score were considered for this $4,000 scholarship. Similar to the above scholarships, the Curry Success Scholarship is renewable for three additional years provided you continue consecutive enrollment as a fulltime, degree seeking student, maintain the minimum grade point average stated in your admission letter and remain in good social and judicial standing. Please note, Nursing students are not eligible for the Curry Success Scholarship.

Alexander Graham Bell Awards

Alexander Graham Bell Awards are awarded to students who meet selection criteria and are renewable provided consecutive, continuous enrollment as a full-time, degree seeking undergraduate student. Students must also maintain satisfactory academic progress as outlined in the Curry College Course Catalog.

Curry Access Awards

The Curry Access Award in the amount of $14,000 annually, with a four year total of $56,000, is awarded to qualified students who are recognized as being able to be successful and make a strong contribution as a member of the College community. These awards are made to those students who do not meet the eligibility requirements for other academic scholarships and are renewable provided you maintain consecutive, continuous enrollment as a full time, degree seeking undergraduate student. Students must also maintain satisfactory academic progress as outlined in the Curry College Course Catalog.

Curry Spirit Awards

The Curry Spirit Awards for $2,000 are awarded to entering students who meet selection criteria and maintain consecutive, continuous enrollment as a full-time, degree seeking undergraduate student.  Students must also maintain satisfactory academic progress.

Curry Resident Awards

The Curry Resident Award, in amounts up to $6,000, is offered to students entering as of September 2019, at the time of admission to the College, to eligible students planning to reside on-campus. This award is renewable for up to 3 additional years provided you continue consecutive enrollment as a fulltime, degree-seeking student, residing in Curry’s residence halls and remain in good academic, social and judicial standing. No additional application or FAFSA is required. NOTE: you must remain as a resident student to continue to receive this award.

Dean’s Award

The Dean’s Award , in amounts up to $2,000, is offered to students enrolling as of September, 2019 at the time of admission to the College, to students who meet selection criteria. . This award is renewable for up to 3 additional years provided you continue consecutive enrollment as a full-time, degree-seeking student, and remain in good academic, l standing by meeting satisfactory progress standards as outline din the Curry College Course Catalog. No additional application or FAFSA is required.

Early Action Awards

Early Action (EA) is a non-binding application option where students who apply and complete their application under this plan by the December 1 deadline will have an admission decision mailed to you by December 15.

If you are accepted under the Early Action plan, you will automatically receive an Early Action Award of $2,000. This award is renewable for three additional years resulting in an award total of $8,000 provided you continue consecutive enrollment as a full-time, degree seeking student and remain in good academic, social and judicial standing. No additional application or FAFSA is required. Students who file the FAFSA may also qualify for need-based financial aid.

PAL Supplemental Award

The PAL Supplemental Award in the amount of $2,000 was offered to students enrolling prior to September, 2019 offered to select full-time, degree seeking undergraduate students who we believe would make a significantly positive impact on our campus. No additional application or FAFSA is required. The PAL Supplemental Award is a one-year award and not a needbased fund. Students who file the FAFSA may also qualify for need-based financial aid.

Curry-Massasoit CJ Transfer Scholarship

Students enrolled through the 2+2 transfer agreement will receive a renewable merit-scholarship in the amount of $6,500 for criminal justice students who have graduated from Massasoit with a minimum 3.0 GPA. The award is renewable for 1 year as long as you are enrolled full-time in Curry’s Bachelor degree from criminal justice and maintain a 3.0 cumulative GPA.

Family Discount

If a family has more than one student attending Curry at the same time and both are enrolled full-time as traditional undergraduates in a degree program, the second student will receive a 10% discount of their tuition. The discount only applies to regular full-time tuition charges and excludes course overload fees, room and board and any other fees. There is no application process for this discount. All discounts are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester. NOTE: Students receiving Merit Based Scholarships or other tuition discounts or waivers are not eligible to receive this discount.

Alumni Discount

If you are the child of a Curry Alum, you will receive a 10% discount on your tuition, provided you are enrolled full-time as a traditional undergraduate in a degree program. The discount applies only to regular full-time tuition charges and excludes course overload fees, room and board and any other fees. There is no application process for this discount. All discounts are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester. NOTE: Students receiving Merit Based Scholarships or other tuition discounts or waivers are not eligible to receive this discount.

Tuition Waivers/Tuition Exchange

Receipt of either a Tuition Waiver or Tuition Exchange Award invalidates any prior offer of institutional aid including but not limited to merit scholarships, non-need-based awards, need-based grant or tuition discounts. Additionally need-based federal and state aid eligibility may be impacted.

Resident Assistant (RA) Discount

Once you have applied, been selected and accept the role of a Resident Assistant, the Residence Life Office will notify Student Financial Services of your hired status. You will be awarded a RA discount per the terms of your hire date and employment period. All discounts are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester.

FEDERAL PROGRAMS

Federal Pell Grant

A federally funded program that uses a standard formula, established by Congress, to evaluate the information you report on your FAFSA, to determine your Pell Grant eligibility. These funds are awarded to undergraduate students with exceptional financial need who are pursuing their first bachelor’s degree. Pell Grant funding is set by the federal government each year. Current awards are estimated to range from a minimum of $750 to a maximum of $7,395 for the academic year 2023-2024 are also based on enrollment status. Students are required to complete a FAFSA annually for consideration. Funds are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester. Award amounts are ESTIMATES until final payment is approved by the federal government.

Federal Supplemental Educational Opportunity Grants (FSEOG)

A federally funded program for students, with calculated exceptional need and subject to the availability of funds. Priority is given to students who receive Federal Pell Grants. Award amounts depend on a student’s need and the level of funding received by the College. Grants range from a minimum of $100 to a maximum of $4,000. Students are required to complete a FAFSA annually for consideration. Funds are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester.

TEACH Grant Program

The Teacher Education Assistance for College and Higher Education (TEACH) Grant Program provides up to $4,000 per year in grants for graduate and undergraduate students who intend to teach full-time in high-need subject areas for at least four years at schools that serve students from low-income families. Undergraduates may receive up to $16,000 and graduate students up to $8,000. Please note: These annual amounts are subject to federal budget sequestration and Congressional approval. Students enrolled less than full-time are eligible, but the maximum grant will be reduced. The grant is also available for post-baccalaureate teacher certification coursework.

If you fail to complete the four-year teaching obligation, you will have to repay the grant as a loan with interest calculated retroactively to the date when the grant was disbursed.

Student Eligibility and Application Requirements Each year, before a TEACH Grant can be disbursed, you must do the following:

• Complete the Free Application for Federal Student Aid (FAFSA), although you do not have to demonstrate financial need.

• Meet the eligibility requirements for federal student aid. You must be a U.S. citizen or eligible non-citizen. For a listing of eligibility requirements, check the U.S. Department of Education’s website at http://www.fafsa.ed.gov/faq003htm.

• Enroll in a program of study designated as TEACH Grant eligible. Eligible programs are those that prepare a student to teach in a high-need area.

• Meet one of the following academic achievement requirements:

• Score above the 75th percentile on a college admissions test (e.g., SAT, ACT, GRE).

• Graduate from high school with a cumulative GPA of at least 3.25 (on a 4.0 scale) to receive a grant as a freshman.

• Earn a cumulative GPA of at least 3.25 (on a 4.0 scale) for your college coursework to receive a grant for each subsequent term.

• Complete TEACH Grant counseling by making an appointment with Student Financial Services.

• Sign a TEACH Grant “Agreement to Serve” located online at: https://teach-ats.ed.gov/ats/index.action. Respond the U.S. Department of Education’s requests to confirm your continuing intention to meet the teaching obligation.

TEACH Grant Agreement to Serve and Promise to Pay

You must sign a TEACH Grant “Agreement to Serve” and “Promise to Pay” (service agreement) each year you receive a TEACH Grant. Both forms are available online on the Department of Education’s website. The TEACH Grant service agreement specifies the conditions under which the grant will be awarded, the teaching service requirements, and your acknowledgment that if you do not meet the teaching service requirements, you must repay the grant as a Federal Direct Unsubsidized Loan with interest accrued from the date the grant funds were first disbursed.

Teaching Obligation

To avoid repaying the TEACH Grant with interest you must be a Highly qualified, full-time teacher in a high-need subject area for at least four years at a school serving low-income students. You must complete the four years of teaching within eight years of finishing your TEACH grant funded program. You incur a fouryear teaching obligation for each educational program for which you received TEACH Grant funds, although you may work off multiple four-year obligations simultaneously under certain circumstances. Specific definitions of these terms are included below.

Highly-Qualified Teacher

You must perform the teaching service as a highly-qualified teacher, which is defined by federal law at http://www.ed.gov/ policy/elsec/leg/esea02/pg107.html.

Full-Time Teacher

You must meet the state’s definition of a full-time teacher and spend the majority (at least 51 percent) of your time teaching one of the high-need subject areas. Elementary teachers who teach many subjects would not be able to fulfill their service agreement.

High-Need Subject Areas:

• Bilingual Education and English Language Acquisition

• Foreign Language

• Mathematics

• Reading Specialist

• Science

• Special Education

• Other teacher shortage areas listed in the Department of Education’s Annual Teacher Shortage Area Nationwide Listing at http://www.ed.gov/about/offices/list/ope/pol/tsa.doc

Schools Serving Low-Income Students

Schools serving low-income students include any elementary or secondary school that is listed in the Department of Education’s Annual Directory of Designated Low-Income Schools for Teacher Cancellation Benefits at: https://www.tcli.ed.gov/CBSWebApp/ tcli/TCLIPubSchoolSearch.jsp.

Documentation

You must respond promptly to all requests for information or documentation from the U.S. Department of Education. You will be asked regularly to confirm that you either intend to teach or that you are teaching as required. You must provide documentation to the U.S. Department of Education at the end of each year of teaching. If you temporarily cease enrollment in your program of study or if you encounter situations that affect your ability to begin or to continue teaching, you will need to stay in touch with the U.S. Department of Education to avoid your grants being converted to loans before you are able to complete your teaching obligation. Failure to complete the teaching obligation, respond to requests for information, or properly document your teaching service will cause the TEACH Grant to be permanently converted to a loan with interest.

Once a grant is converted to a loan, it cannot be converted back to a grant.

Federal Work Study (FWS)

A federally funded program that provides part-time employment opportunities to Curry students with financial need. Unlike other financial aid awards, work study earnings do not reduce tuition charges and therefore, this award is not deducted from the tuition bill. This program was developed by the federal government to provide eligible students with an opportunity to help themselves in meeting some of their out-of pocket educational expenses. The program is subsidized by the federal government and the College provides a matching allocation. Work Study students must work to earn the amount of their academic award. Students will receive a biweekly pay check for the number of hours that they work. As funds are limited, eligible students will receive notice of their eligibility to participate in federal Work Study on their Financial Aid Award letter. Students are required to complete a FAFSA annually for consideration. Curry College’s Human Resources Office manages the hiring process for students with this award. Questions about eligibility should be directed to Student Financial Services. If you have any questions about the student employment hiring process including available jobs please view the Student Work Study Employment section of the website or contact Human Resources, 55 Atherton Street, 617-333-2263.

Federal Perkins Loans

IMPORTANT NOTE; this program has been closed by the federal government and is currently unavailable.

If the program was to re-open, the terms and information below may change. A federally funded, need-based educational loan for students with exceptional need, enrolled at least part-time, and who have been awarded their maximum eligibility for federal Subsidized and Unsubsidized Direct loan. This is a loan and requires repayment. The interest rate is 5 percent. Repayment* of the full amount of the loan borrowed is required and begins nine months after a student graduates, withdraws from the College, or attends on a less than halftime basis. Depending on the total amount borrowed, the student may have up to ten years to repay this loan. Award amounts vary and funds are very limited as future loans to borrowers made from this revolving loan fund are dependent on federal funding levels and repayment by prior borrowers. There are no fees for this loan. There is no interest charged on this loan while the student is enrolled at least half-time in a degree program and for nine months after the student graduates, withdraws from the College or drops below half-time status. The maximum amount an eligible student may borrow is $4,000 per award year for student who has not successfully completed a program of undergraduate education. The maximum aggregate amount an eligible student may borrow is: (1) $20,000 for an undergraduate student who has completed two academic years and is pursuing a bachelor’s degree; and (2) $8,000 for any student who has not completed two academic years of undergraduate work. First-time borrowers must complete an entrance interview online at http://www.mappingyourfuture. org/oslc/. Funds for this program are very limited as this program is being phased out by the federal government. Students who are awarded these funds must sign a Promissory Note before funds can be disbursed. You will be notified during the summer about completing your Promissory Note. Information that you borrowed this loan will be sent to the National Student Loan Data System (NSLDS), and will be accessible by guarantee agencies, lenders and institutions determined to be authorized users of the data system. Students are required to complete a FAFSA annually for consideration. Funds are credited to the student’s tuition account approximately one week after the end of the add/drop period for the semester. Federal Perkins Loans are serviced by University Accounting Services (UAS). UAS can be contacted via telephone by calling 1-844-870-8701 Monday through Friday 8:00am – 6:00pm EST.

Perkins Loan Exit Counseling

Any student who ceases to be enrolled at least half-time in a degree program as a result of graduation, withdrawal or leaving the institution and who borrowed a Federal Perkins Loan at any time while enrolled at the College is required to complete Loan Exit Counseling online at https://www.uasconnect. com. Additionally, you are responsible for notifying University Accounting Services (UAS), the servicer for your Federal Perkins Loan, when you graduate, leave school or move. NOTE: Official withdrawal is made with the Registrar’s Office at the College. You should visit the Student Financial Services Office to discuss your status change and how it impacts your student loans.

Under certain circumstances repayment of a Federal Perkins Loan may be deferred or cancelled. During deferment, payments are not required and interest does not accrue. After deferment, the borrower is entitled to a post-deferment grace period of six consecutive months. Borrowers may be eligible for deferment, cancellation, forbearance or discharge under certain circumstances. The Federal Perkins Loan Addendum may be found online at www.curry.edu. Federal Perkins Loans are serviced by University Accounting Services (UAS). UAS can be contacted via telephone by calling 1-844-870-8701 Monday through Friday.

Federal Direct Loan Program

These loans are administered by the U.S. Department of Education and are federally funded. These loans, known typically as Stafford Loans (for students) and PLUS Loans (for parents or graduate students) require repayment of the full amount of the loan. You can decline a Federal Direct Stafford Loan offered on your award letter without impacting any other forms of aid offered to you by completing and signing the Financial Aid Change Request Form available at https://www. curry.edu/admission-and-aid/tuition-and-financial-aid/applyingfor-aid-and-forms or send a signed, written request by mail, fax or email to Student Financial Services Office.

Each Stafford borrower is entitled to a six-month grace period which begins the day you graduate, withdraw** or become enrolled less than halftime. While the borrower is in a grace period, no payment is required. However, for loans made after July 1, 2012, interest will accrue during the grace period although no payment is required at this time.

**Note: Official withdrawal is made with the Registrar’s Office at the College. Additionally, you should visit the Student Financial Services Office to discuss your status change and how it impacts your student loans.

Federal Direct Subsidized Stafford Loans

A federally funded and administered loan awarded by the institution to students who demonstrate need, meet eligibility requirements and are enrolled at least halftime in a degree program. A Free Application for Student Aid (FAFSA) must be filed with the school. This loan is a federally subsidized loan, which means there are no interest charges while the student is enrolled.

First-time borrowers at the College must complete Entrance Counseling and sign a Master Promissory Note (MPN) before funds can be disbursed. Loan funds come directly from the federal government and are paid by crediting the student’s tuition account. For first-time enrolled students, the amount of the loan awarded will be credited to the student’s Curry College tuition account approximately 30 days after the start of the semester. For all other students, loan funds will be credited to the tuition account no earlier than ten days prior to the start of the semester.

Award amounts (per Academic year):

Terms:

• For new loans as of July 1, 2019, interest rates are determined each spring for the upcoming year for new loans but are fixed for the life of the loan.

• Interest and principal are subsidized by the government until the student ceases to be enrolled at least half-time. Interest accrues during the grace period for loans made after July 1, 2012.

  Repayment begins 6 months after the student graduates, withdraws or stops attending school at least half-time • Up to a 10 year repayment period – $50 minimum

• monthly payment.

• An Origination fee, set by the Federal Government, will be deducted from loan proceeds prior to disbursement.

Federal Direct Unsubsidized Stafford Loans

A federally funded loan, not need-based, available to eligible student borrowers, enrolled at least half-time. A Free Application for Federal Student Aid (FAFSA) must be filed with the school the student plans to attend. First-time borrowers at the College must complete Entrance Counseling and sign a Master Promissory Note (MPN) before funds can be disbursed. For newly enrolled students, the amount of the loan awarded will be credited to the student’s Curry College tuition account approximately 30 days after the start of the semester. For all other students, loan funds will be credited to the tuition account no earlier than ten days prior to the start of the semester.

Award amounts (combined Subsidized and Unsubsidized maximums based on eligibility):

Terms:

• Interest and principal may be deferred until student ceases to be enrolled

• Interest accrues during in-school grace and deferment periods

• For new loans as of July 1, 2014, interest rates are determined each spring for the upcoming year for new loans but are fixed for the life of the loan.

• Undergraduate, Subsidized and Unsubsidized Direct Loans: 4.53%, Graduate Unsubsidized Direct Loans: 6.08%

• Interest is not paid by the government. Borrower is responsible for all interest payments

• Repayment begins 6 months after the student graduates, withdraws or stops attending school at least half-time with a $50 minimum monthly payment

• Up to a 10 year repayment period

• An Origination fee, set by the Federal government, will be deducted from loan proceeds prior to disbursement

Entrance Counseling

Federal Direct Loan Entrance Counseling is a federal requirement for all students borrowing a Federal Direct Subsidized and/or Unsubsidized Stafford Loan for the first time at Curry College. Students are required to complete Federal Direct Loan Entrance Counseling online at Studentaid.gov before the proceeds from the Federal Direct Loan can be credited to the student account. The Federal Direct Stafford Loan Master Promissory Note (MPN) is a legally binding agreement to repay the student loan. This agreement is between the student and the U.S. Department of Education. A parent cannot complete the Federal Direct Stafford Loan Master Promissory Note (or Entrance Counseling) on the student’s behalf. Once the student borrower signs the MPN for enrollment at Curry College, she/he will not need to sign again as long as she/he remains continuously enrolled at the College in a degree program.

We suggest Macbook or Macbook Pro users utilize Mozilla Firefox Internet Browser to avoid complications signing in to www.studentaid.gov. Please note that Federal Direct Loan funds will not be credited to your student account until you have completed the Entrance Counseling requirement, and the Federal Direct Loan Master Promissory Note and received confirmation from the U.S. Department of Education that both requirements have been satisfactorily completed.

Any student who ceases to be enrolled at least half-time in a degree program and who borrowed a federal student loan (FFELP and/or Federal Direct) subsidized and/or unsubsidized at any time while enrolled at the College is required to complete Exit Counseling online at www.studentloans.gov . Information that you borrowed from the Federal Direct Loan Program will be sent to the National Student Loan Data System (NSLDS), and will be accessible by guarantee agencies, lenders and institutions determined to be authorized users of the data system.

• Ensure that the information they provide is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain.

• Be objective in making decisions and advising their institution regarding relationships with any entity involved in any aspect of student financial aid.

• Refrain from soliciting or accepting anything of other than nominal value from any entity (other than an institution of higher education or a governmental entity such as the U.S. Department of Education) involved in the making, holding, consolidating or processing of any student loans, including anything of value (including reimbursement of expenses) for serving on an advisory body or as part of a training activity of or sponsored by any such entity.

• Disclose to their institution, in such manner as their institution may prescribe, any involvement with or interest in any entity involved in any aspect of student financial aid.

Federal Loan Repayment (FFELP and Direct Loans)

All FFELP and Direct Loans (Stafford, PLUS and Grad PLUS) require repayment. To view information on Repayment Terms and Plans visit http://studentaid.ed.gov/sa/replay-loans. Failure to repay your loan will result in a default status. Default is failure to repay a loan according to the terms agreed upon when you signed your promissory note. The consequences of default can be severe. If you are having trouble making your monthly payments, take the initiative to contact your lender as you might be eligible for an alternative repayment plan, deferment or forbearance. You may also contact the Direct Loan Servicing Center for assistance at 1-800-848-0979. Remember, you are responsible for notifying your lender when you graduate, leave school or move. If you are not sure who your lender is, view your loan history online at the National Student Loan Data System www.studentaid.gov. To access your information on this site you will need your FAFSA PIN. Each Stafford borrower is entitled to a sixmonth grace period which begins the day you graduate, withdraw or become enrolled less than halftime. While the borrower is in a grace period, no payment is made.

Loan Consolidation

If you have borrowed multiple federal student loans from different lenders, you might be eligible to consolidate them in to a single loan. Note: you cannot consolidate private education loans with your federal loans. Consolidation allows you to combine multiple loans into one new loan. This process may assist you in reducing your monthly loan payment. Your new consolidated loan bears a fixed interest rate based on the weighted average of your loans interest rates at the time you consolidate and rounded up to the nearest one-eighth of a percent. The consolidated loan interest rate will not exceed 8.25%. There are no fees to consolidate. For additional information about Loan Consolidation visit http://studentaid.ed.gov/PORTALSWebApp/ students/english/consolidation.jsp?tab=repaying

STATE PROGRAMS

State grants are based on financial need and may be offered to eligible students from their state of legal residence. Students should complete the FAFSA and follow any additional application requirements from their home state. Students should also be aware of any deadlines that are imposed by their home state. Vermont and Pennsylvania have reciprocal agreements with Massachusetts and provide funding to students who attend Massachusetts Colleges. If you are eligible for state aid funds, your tuition account will be credited once the College receives the funds from your state agency for the semester but no earlier than the end of the add/drop period for the semester. Please contact your state agency for additional information regarding eligibility.

State Grants

The Commonwealth of Massachusetts awards grants to Massachusetts residents who demonstrate financial need and meet application deadlines and award criteria. Other states that currently allow students to use state grant funds at Curry College include Vermont, and Pennsylvania. The Commonwealth of Massachusetts also offers additional assistance to qualified eligible students who are part-time or demonstrate high academic performance in their post-secondary academic courses. All of the grants provided by the Commonwealth of Massachusetts are subject to an application deadline of May 1.

A Commonwealth of Massachusetts (state) source of financial aid. Eligibility requires state residency and demonstrated financial need. Additional information about grants from the Commonwealth is available at http://www.osfa.mass. edu.

Awards are based on exceptional financial need as determined from filing the FAFSA and availability of funds to Massachusetts residents enrolled as full-time degreeseeking students in their first bachelor’s program. Awards range from $1,200 – $2,800 as set by the Commonwealth. No separate application is necessary.

These grants are awarded by the College based on a limited allocation of funds received from the Commonwealth. Awards are made to students based on exceptional financial need as determined from filing the FAFSA and availability of funds to undergraduate Massachusetts residents enrolled at least half-time but no more than three-quarter time for the semester in a degree program seeking their first bachelor’s degree. Awards are set by the Commonwealth.

Gilbert Grants are funded by the Commonwealth of Massachusetts and are awarded by Curry College to eligible Massachusetts residents enrolled full-time in a degree program seeking their first bachelor who demonstrate financial need as determined by the results of the students filing the FAFSA. Awards vary and are subject to available funding.

A loan program funded by the Commonwealth of Massachusetts and administered by the College for Massachusetts residents enrolled full-time in a degree program working toward their first bachelor’s degree who demonstrate high need. This is a loan and must be repaid. No Interest Loans are subject to available funding. The minimum NIL award a student can receive is $1,000, with a maximum award amount of $4,000 per academic year. NIL award amounts are determined according to financial need. A NIL eligible student has a lifetime borrowing limit of $20,000. You will be required to sign a promissory note and complete a Loan Entrance Interview with a Representative from Student Financial Services at the start of the semester. Loan proceeds will be credited to your tuition account once the loan funds are received from the Commonwealth but no earlier than the end of the add/drop period for the semester. Borrowers of Massachusetts No Interest Loans are required to complete an Exit Interview prior to ceasing enrollment on a half-time basis. This is completed online. You will receive a letter from the Massachusetts Department of Higher Education Office of Student Financial Assistance outlining the steps for completion of the online exit interview. You will be asked to log in to Educational Computer Systems, Inc. (ECSI) website to complete the exit interview. ECSI is the loan servicing company for the Massachusetts Department of Education. You will be required to provide family information and personal references. Please be sure to have this information ready when you begin the online Exit Interview. If you have any questions regarding your Massachusetts No Interest Loan debt or the Exit Interview process, please contact our office. *Award amounts are ESTIMATES until final payment is approved by the Commonwealth of Massachusetts. Students who file the FAFSA may qualify for need-based aid in addition to one of these awards.

IBEW (International Brotherhood of Electrical Workers) – Local 103 Scholarship

Value: $5,000 per year $20,000 over four years

Duration: Renewable for up to four years. Renewal is based upon the student’s ability to maintain at least a 2.5 grade point average (GPA) or better while completing a minimum of 30 semester credit hours per academic year.

Available for IBEW – Local 103 members and their families only. Please contact the local 103-IBEW for consideration. Consideration is given to accepted full-time first-year students with a minimum grade point average (GPA) of 2.5. Decisions will be based on many factors including GPA, extracurricular activities, and test scores.

VETERANS ADMINISTRATION BENEFITS

If you are a veteran, the widow of a veteran, or the child of a disabled or deceased veteran, you may qualify for assistance from the United States Veterans Administration. For information, contact the Veterans Administration office nearest your home.

GI Bill® Yellow Ribbon Program

This institutional and federal match program is open to eligible U.S. Veterans and does not require that you file a FAFSA for consideration. Recipients must be in a degree seeking, undergraduate program. You must contact the Veteran’s Certifying Official located in Curry’s Registrar’s Office to have your eligibility for this program certified. The Yellow Ribbon Program is comprised of a Curry College Yellow Ribbon Grant and a federal Yellow Ribbon Match Award. You will need to complete an Enrollment Verification Form available in the Student Financial Services Office indicating your intended enrollment plans for the academic year for which you are seeking funds. Funding levels are very limited and available on a firstcome basis. Funds will be credited to the student’s tuition account once the federal match component is received for the semester. Students must maintain eligibility and renewal criteria as outlined by the Veterans Administration.

GI Bill® is a registered trademark of the U.S. Department of Veterans Affairs (VA). More information about education benefits offered by VA is available at the official U.S. government web site at https:// www.benefits.va.gov/gibill.

TUITION PAYMENT PLAN

Curry College utilizes an interest-free tuition monthly payment plan to Curry’s families. Information can be found online at curry.myonplanu.com.

PRIVATE EDUCATION LOANS

Please consider that the borrower may be eligible for Federal Loans and such Federal loans may have more beneficial terms than Private Education Loans. Additional financing is available for families through various non-need based education loans offered by lenders and private agencies. Families must apply separately and provide credit and debt information. Application fees and interest rates will vary depending on the type of loan requested. An example of available loans is the Federal Direct Parent (PLUS) Loan.

Information and application instructions for this and other loans are available in the Student Financial Services Office or on the Curry College website under Financing Options.

The method and criteria used by Curry College in selecting the Private Education Loan Lenders to publish in its brochures is available on the Curry website: www.curry.edu. The College will work with and process loans for any lender of your choice. Parents and students have the right to select the lender of their choice without penalty by the College and are not required to use any lenders on any lender list published by the College. When selecting the option best suited for your circumstances, you should compare interest rates, borrowing limits, credit requirements and repayment options.

STUDY ABROAD

Enrollment in a program of study abroad through a third party provider, approved for credit by the College may be considered enrollment at Curry College for purposes of applying for federal and state student financial aid. Students seeking study abroad opportunities are encouraged to speak with a financial aid counselor to discuss their individual circumstances.

Enrollment in a Study Abroad Program which Curry directly partners with is considered enrollment at Curry College for purposes of applying for Institutional, federal and state aid. Students seeking study abroad opportunities are encouraged to speak with a financial aid counselor to discuss their individual circumstances. Additional information about these programs is available at https://www.curry.edu/admission-and-aid/tuitionand-financial-aid/financial-aid-policies

CODE OF CONDUCT

An institutional financial aid professional, or any other College administrator involved in Title IV fund management or processing, is expected to always maintain exemplary standards of professional conduct in all aspects of carrying out their responsibilities, specifically including all dealings with any entities involved in any manner in student financial aid, regardless of whether such entities are involved in a government sponsored, subsidized, or regulated activity. In doing so, these employees should:

• Refrain from taking any action for their personal benefit.

• Refrain from taking any action they believe is contrary to law, regulation, or the best interests of the students and parents they serve.

• Ensure that the information they provide is accurate, unbiased, and does not reflect any preference arising from actual or potential personal gain.

• Be objective in making decisions and advising their institution regarding relationships with any entity involved in any aspect of student financial aid

• Refrain from soliciting or accepting anything of other than nominal value from any entity (other than an institution of higher education or a governmental entity such as the U.S. Department of Education) involved in the making, holding, consolidating or processing of any student loans, including anything of value (including reimbursement of expenses) for serving on an advisory body or as part of a training activity of or sponsored by any such entity.

• Disclose to their institution, in such manner as their institution may prescribe, any involvement with or interest in any entity involved in any aspect of student financial aid.

HELP RESOURCES

http://www.myfedloan.org/index.html

Federal Loan Servicing and Loan Repayment information

https://www.nslds.ed.gov/nslds/nslds_SA/

The National Student Loan Data System (NSLDS) is the U.S. Department of Education’s (ED’s) central database for student aid. NSLDS receives data from schools, guaranty agencies, the Direct Loan program, and other Department of ED programs. NSLDS Student Access provides a centralized, integrated view of Title IV loans and grants so that recipients of Title IV Aid can access and inquire about their Title IV loans and/or grant data.

Curry College is pleased to admit those students who have the necessary preparation and background to meet the requirements of the College. No student shall be denied admission on the ground of race, religion, national origin, sexual orientation, age, or sex, provided they have the necessary preparation and background.

First-year students are selected on the basis of a combination of the following criteria: secondary school record, personal essay, standardized test scores on the Scholastic Aptitude Test of the College Entrance Examination Board or the ACT of the American College Testing Program, recommendation from the secondary school, and the college readiness of the candidate.

International students are encouraged to apply. They must complete the same requirements as all other applicants to the College. For those students whose native language is not English, results of the Test of English as a Foreign Language (TOEFL) or the International English Language Testing System (IELTS) must be sent in addition to other required materials. All international students must also submit a notarized Declaration of Financial Support in U.S. dollars. While Curry College offers merit scholarships, it is unable to offer financial aid to international students.