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Student Finances
Student Financial Planning
Juniata College offers a wide array of student financial planning services, ranging from deferred payment plans to scholarship programs. The Office of Student Financial Planning provides substantial, diverse funding and planning opportunities for all families regardless of means.
Families may have unique circumstances that affect their ability to meet college expenses. While some families may have little interest in traditional forms of financial assistance, others require support from the many resources available from federal, state, and institutional programs. Student Financial Planning staff members are available to help identify sources of financial support, and to discuss funding resources and opportunities.
Sources of Aid
Generally, the resources available to provide assistance fall into three broad categories: scholarship and grant, loans, and work.
Scholarships and Grant
Scholarships and grants are commonly termed "gift" assistance and need not be repaid (unless so stipulated as a condition of the award).
Grants
Grants are usually provided to meet a student's financial need as established through the submission of the Free Application for Federal Student Aid (FAFSA). Please review the section titled, "APPLYING FOR FINANCIAL AID" for further information.
Scholarships
Scholarships are generally awarded in recognition of academic achievement, talent, or some other characteristic. Financial need may not necessarily be a selection requirement.
The Juniata Nomination Scholarship Program:
These scholarships seek to encourage the enrollment of exceptionally gifted students through a nomination process incorporating alumni, trustees, guidance counselors, pastors, and other individuals who can communicate to the College the outstanding contributions that the student has made in his/her community. Several scholarships ranging from full-tuition to full-tuition fees, room, and board are offered each year. Qualified students must apply for admission and have nomination forms postmarked by January 2, 2010.
Please call (1-877-JUNIATA) the Office of Admission for further information.
Other Scholarship Programs:
Other Scholarship programs:
John Stauffer Scholarships are an opportunity for four entering students who have achieved National Merit or National Achievement Finalist status to earn a full-tuition award (less state and federal grants) for each year of four years of attendance.
James Quinter Scholarships are awarded to students to who have achieved a 1320 SAT(M+CR) or 30 ACT and a 3.55 GPA. Quinter Scholarships are valued at $18,000 each year for four years.
Calvert Ellis Scholarships are awarded to students who achieve a 3.4 GPA and at least a 1210 SAT(M+CR) / 27 ACT Composite or a 3.75 GPA and at least an 1120 (M+CR) / 25 ACT Composite. Scholarships are valued at $16,000 each year for four years.
M.G. Brumbaugh Scholarships are awarded to students achieving a 3.5 GPA and at least 1110 SAT(M+CR)/24 ACT Composite or 3.7 GPA and 1080 SAT(M+CR)/23 ACT Composite. Scholarships are valued at $14,000 each year for four years.
Elizabeth Baker Scholarships are awarded to students balancing a full academic schedule, extracurricular activities and achieving a 3.5 GPA and at least 1000 SAT(M+CR)/21 ACT Composite or 3.0 GPA and at least a 1110 SAT(M+CR)/24 ACT Composite. Scholarships are valued at $10,000 each year for four years.
"External" Scholarships
Many students receive scholarships that are awarded by agencies other than Juniata (Lion's Club, PTA, Rotary, etc.). Students are encouraged to explore these opportunities that often reduce the family's cost of education.
Off-Campus/ Study Away
Generally, students who participate in College affiliated programs (including internships, student teaching, and study abroad) are fully eligible for most forms of assistance*. Participating students apply for aid in the usual manner, but note their intentions on the Institutional Data Form. Students are reminded there are special financial incentives offered to students through the Eagles Abroad Scholarship program at the following locations: Germany, Russia, France, Mexico, and Spain. Contact the Office of Admission for further information.
Loans
Loans permit students and parents to defer a portion of the cost of education over an extended period of time. The federal government, the College, and private agencies offer programs that seek to provide educational financing at reasonable rates. Further information is available from the Office of Student Financial Planning.
Student Employment
Juniata provides both on and off-campus student employment opportunities to help defray educationally related expenses. While the College cannot guarantee that every eligible student will secure employment, there has been an even balance between available positions and students interested in work. Further information about available positions may be found on the Arch.
Eligibility for Financial Aid
Students must meet the following conditions to be considered eligible for most aid programs.
Enrollment Status
Normally students must be enrolled in a degree or certification program to be considered eligible for most College aid. (Exception: Half-Tuition Programs)Semester Course Load
Most institutional aid requires the student enroll for twelve or more credits per semester. Students who enroll for half-time (six or more) credits may receive federal and state resources.Citizenship
Many aid programs require that recipients be citizens, permanent residents, or certain stipulated refugee statuses. Exceptions include several institutional aid programs and student employment.Off-Campus/ Study Away
Generally, students who participate in College affiliated programs (including internships, student teaching, and study abroad) are fully eligible for most forms of assistance*. Participating students apply for aid in the usual manner, but note their intentions on the Institutional Data Form. Students are reminded there are special financial incentives offered to students who plan to study at the Fachhochschule Muenster (Germany) and Lille (France). Contact the Office of Admission for further information.*Aid associated with Tuition Exchange programs, Tuition Remission, and Half-Tuition cannot be used for study abroad.
Maximum Value for Institutional Scholarships, Grants, and Benefits
– It is College policy that any combination of institutional aid cannot exceed the value of tuition, except in several unique scholarship categories.
Juniata's Conditional Guarantee
A student's commitment to attend Juniata is matched by a corresponding commitment from the College. The Conditional Guarantee assures you that College-sponsored aid will remain unchanged for the student's four year of attendance.* Because of this you can plan and budget for each year with the expectation that College aid will not be reduced. This means a stable family contribution each year with manageable payments.
*The following conditions must be met to maintain the provisions of the Conditional Guarantee:
- Students must meet acceptable standards of academic progress (see Catalog).
- Students must file renewal applications for aid by April 1.
- Significant changes to family or financial circumstances may result in changes to financial assistance.
- Renewal of the Pennsylvania Sci-Tech/John Dale Partnership Award after the freshman year requires participation in the Pennsylvania Sci-Tech program. In addition, Sci-Tech scholarship recipients may have institutional grant assistance adjusted after the freshman year.
Cost of Education Budget
Resident Students and Those Living in Off-Campus College Housing (2009/10)
| Tuition | $30,880 |
| Room | $ 4,550 |
| Board | $ 4,100 |
| Mandatory Fee | $ 670 |
| Books & Supplies | $ 600 |
| Personal Expenses | $ 1,000 |
| Transportation Expenses | $ 250 |
| Total(used to determine aid) | $42,050 |
| Total Direct Costs (paid to JC) | $40,200 |
* Students from states other than Pennsylvania or Maryland will have their travel budgets increased in recognition of the additional transportation costs borne by students whose residence is geographically distant from Juniata. Contact the Office of Student Financial Planning for more information.
Commuting Students
| Tuition | $30,880 |
| Living Expenses | $ 1,650 |
| Mandatory Fee | $ 450 |
| Books & Supplies | $ 600 |
| Personal Expenses | $ 1,000 |
| Transportation Expenses | $ 600 |
| Total(used to determine aid) | $33,910 |
| Total Direct Costs (paid to JC) | $31,330 |
Applying for Financial Aid
Requirements and Timing
New students (freshmen and transfers) must be admitted to the College before financial aid can be awarded. New students should file applications for assistance by March 1 to ensure they are considered for all available funding. Non-degree students pursuing teacher certification should contact the Office of Student Financial Planning for additional information.
Continuing need-based aid recipients must reapply each year by April 1. Students who fail to meet the deadline date cannot be guaranteed that their funding will remain at levels consistent with the previous years. The renewal FAFSA and the Institutional Data Form (IDF) are required of both students and parents (if student is dependent).
Applications
Students and their families may have to complete several applications to receive consideration for various financial aid programs. Forms generally fall into two categories: applications used to determine eligibility for need-based aid and loan applications.
Applications Which Determine Financial Need
Juniata College uses two forms to determine eligibility for assistance: The Free Application for Federal Student Aid (FAFSA), and the Institutional Data Form. Families should carefully review the following information to decide which application(s) should be filed.
New Freshman (Never Attended Post-Secondary Schools)
The FAFSA must be submitted no later than March 1st. Electronic applications must be filed through the www.fafsa.ed.gov/ website. Families are strongly encouraged to secure a Personal Identification Number (PIN) at www.pin.ed.gov (the dependent student and a parent are each required to have a PIN number). PIN numbers may also be used to submit both electronic student and parent Master Promissory Notes for federal loans.
New Transfer Students or Freshmen with Other Post-Secondary Attendance
The FAFSA (Free Application for Federal Student Aid).
Returning Juniata Students
Renewal reminders for the FAFSA will be sent to each student's email address beginning in December. The Institutional Data Form will be included and will be available on the College web site.
Loan Applications
Students are required to complete the Master Promissory Note (MPN) as the chief application for a Federal Stafford Loan. The MPN will be completed only once for the student's entire borrowing history. (In subsequent years the financial aid award letter from the College will serve as the document used to preserve or adjust the loan value). Parents interested in borrowing the Parent Loan for Undergraduate Students (PLUS) follow similar procedures. However, they will communicate with American Education Services (AES) directly to determine the amount of the loan in subsequent years.
Financial Aid Standards of Progress
The Office of Student Financial Planning will evaluate financial assistance standards of progress at the conclusion of the spring semester.
Students must comply with three measures of satisfactory academic progress to maintain eligibility for financial aid. These measures are separate and distinct from regulations governing academic probation, suspension, and dismissal set forth by the Student Academic Development Committee. Please review these policies as noted in the section designated "Academic Standards of Progress."
1. Qualitative Standard – Students must achieve the minimal Grade Point Average as set forth by the College and listed in the section “Academic Standards of Progress.” Students who fail to attain this standard are only eligible for financial assistance if reinstated by the Student Academic Development Committee.
2. Quantitative Standard – Students are expected to progress toward degree requirements at a reasonable pace. The first assessment of quantitative standards is an evaluation of the most recent academic year. Should a student earn an average of twelve credits (full-time attendance) for each term completed for the period he or she would be judged to have been making progress. For example, a student attending both fall and spring term would need to earn 24 credits to be considered progressing. Students who have registered for half-time or more, but less than full, must earn six credits per term. If a student fails to meet that standard, his/her overall attendance will be evaluated. A semester-by-semester assessment follows:
| Number of Semesters | Credits Which Must Be Earned |
|---|---|
| 1 | 12 |
| 2 | 24 |
| 3 | 36 |
| 4 | 48 |
| 5 | 60 |
| 6 | 72 |
| 7 | 84 |
| 8 | 96 |
| 9 | 108 |
| 10 | 120 |
(NOTE: A student who earns an average of twelve credits per semester fulfills the financial assistance standard of progress at the minimum level, but would not complete degree requirements within the traditional four-year period.)
3. Time Frame – Student retain eligibility for federal financial assistance for five years or ten semesters. Institutional and state aid, however, is limited to four years or eight semesters.
Appeals
Students who fail to meet the progress standards noted above have several options. They may supplement credit earned by attending summer school; they may continue without aid; or they may petition for the reinstatement of aid. Appeals must be in writing and based on unusual, mitigating, or extraordinary circumstances which impeded their ability to maintain progress standards. (NOTE: Appeals granted by the Office of Student Financial Planning have no bearing on decisions made by the Student Academic Development Committee.)
Expenses
At a time when most higher education institutions’ charges continue to outpace the general inflation rate, a Juniata College education remains affordable for students of appropriate academic ability. Despite the continued rise in the costs of services required for education, Juniata has managed to hold inevitable fee increases to moderate levels, often resulting in pricing a Juniata education below that of comparable institutions, increasing the real value of our educational product.
General Fee
Charges are based on a general fee covering most of the annual costs to a student:
|
|
Resident Students |
Non-resident Students |
|---|---|---|
Fall Semester |
$20,100 |
$15,665 |
Spring Semester |
$20,100 |
$15,665 |
Total |
$40,200 |
$31,330 |
The general fee is applied to regular instructional costs: use of Juniata’s library and instructional facilities; academic services; personal student services; and maintenance and other operational costs. The general fee for full-time students also covers many extracurricular expenses including: admission to all home athletic events and numerous campus social activities; most of the admission charges to designated, College-sponsored cultural programs; use of all recreational/athletic facilities; and subscriptions to the student newspaper (The Juniatian). A student paying the general fee may take a normal load of 12 to 18 hours per semester. When permission is given to register for work in excess of the normal program, either in a given semester or for the academic year, the overload fee is $1010 per semester hour.
The yearly general fee for resident students also covers board charges and room rental for regularly announced periods when the dining hall and residence halls are open (see the College calendar). A limited number of students, with approval from the Dean of Students, may live off campus each year, but others are expected to reside on campus unless they live with parents and guardians and commute from home in the immediate area. Resident students will have several meal plan options from which they may choose. All freshmen are required to take the standard 21 meal plan during the first semester. Questions about meal plan options should be addressed to Student Services.
Application Fees
Application: When applying for admission to Juniata, prospective students must forward an application fee of $30. This fee partially covers the cost of processing applications and is not refundable, nor is it applied toward payment of other charges.
Matriculation: When a student has been accepted for admission as a degree-seeking student, a $400 matriculation fee is to be paid by May 1. This nonrefundable fee reserves a space in the entering class.
Occasional Academic Fees
Auditing: The fee for auditing is $650 per course, and is waived for students in good standing who are regularly enrolled in a full-time College program.
Overload: Students registering for more than 18 hours per semester are charged $1010 per additional semester hour. Courses extending over more than one semester are prorated. If the student withdraws from a course(s) following the drop/add period, this charge must still be paid.
Special Course Charges: Some courses have laboratory, studio, or special field experiences as significant parts of the course. A special fee of normally $30 is assessed for these courses, with the exception of Biology and Chemistry. The fee for those courses is $75. Other departments with courses which require a special course fee include: art, education, geology, music and physics. Some general education courses also require this fee. Students registering for off-campus student teaching must pay a $50 fee.
Private Instruction in Music: Regularly enrolled students who wish to take private music lessons for academic credit will be charged $670 for a two-credit, one hour per week lesson, or $335 for a one-credit, thirty-minute per week lesson.
Private Instruction in Ceramics: Regularly enrolled students who wish to take ceramics lessons for academic credit may do so as part of their normal academic program. If lessons constitute an overload, the normal overload charge applies. Students who do not desire academic credit, or persons not regularly enrolled at the College, may take lessons for $800 per semester (one lesson per week).
Special Services Fees
Student Activity Fee: This fee provides funding to Student Government and the Juniata Activities Board. These organizations assist with support for student clubs, activities and organizations. This fee is assessed per semester. Full-time students will be charged $65 and part-time students $13.
Credentials: Fees for academic transcripts, co-curricular transcripts, and placement credentials will be covered by part of the student’s matriculation fee. Up to 25 copies of each are free and a fee of $5.00 each will be charged for subsequent documents.
Health Services: All full-time students will be charged a $85 per semester College Health Center Fee. This fee entitles the student to unlimited visits to the Health Center and special health and wellness programming on campus. Prescription medications dispensed will be billed to the student at cost.
Medical Insurance Coverage: An Accident and Sickness Insurance plan is available and will be billed automatically to all full-time students. The cost of this plan is $183 per year. Students may waive this charge by completing a form and providing proof of coverage. Further information on this plan may be obtained by contacting the Business Office.
Technology Fee: All students will be charged a technology fee at the beginning of each semester. Resident students will be charged $185 per semester; nonresident students will be billed $75 per semester. The fee includes local telephone service, private voice mail, access to cable television, and access to the College’s academic computer network. A separate billing for long distance charges will occur monthly.
Vehicle Registration: All vehicles brought to campus must be registered with the Security Office. On-campus resident students will be charged $35 per year, and off-campus resident and non-resident students will be charged $25 per year.
Part-time Fees
Course: Non-resident students who do not participate in the College program and do not use facilities other than classrooms, libraries, or other academic facilities, are charged $1285 per semester hour when taking less than 12 semester hours. For persons holding bachelor’s degrees, the fee is reduced by one half.
Program for Area Residents: Residents of Huntingdon and contiguous counties who have been out of high school for more than five years may qualify for the College’s reduced tuition program. For further information contact the Enrollment Center.
Summer Session: Students enrolling in summer courses will be charged $690 (summer 2009 rate) per credit unless they are participating in a program with special rates
Deposits
Student Security Deposit: Once a student enrolls at Juniata, $250 of the previously-paid matriculation fee establishes the student security deposit. Assessments and fines for damages to or loss of College property and other obligations are deducted from the deposit. When the balance of the deposit falls below $50, students are required to restore the deposit to its full $250 amount. After graduation or other separation from the College, the unexpended balance is refunded by check and mailed to the student’s home address.
Payment of Bills
The general fee is due and payable prior to the beginning of each semester. Fall and spring semester bills are due on or about August 10 and January 2, respectively. Financial settlement is required for all outstanding obligations. Students may be denied registration, room occupancy, and participation in extra-curricular activities without the necessary arrangements. Payment after the due date is subject to the late payment fee. Also, students cannot be granted honorable dismissal, end-of-term reports, transcripts of grades and credits, or diplomas until all College bills have been paid in full.
Monthly Payment Option: Students who wish to pay College bills on a monthly basis may use Tuition Management Systems. The interest-free, monthly payment option enables families to spread all or part of the annual expenses over equal, monthly payments. A small annual fee is charged. Low-interest monthly payment options, including an unsecured loan, a home equity credit line, and federally-backed loans, are also available. Students can contact Tuition Management Systems at 1-800-356-8329 or online at www.afford.com for more information on these programs. Also, the Office of Student Financial Planning can inform students of alternative financing strategies.
Credit Card/ACH: Students who wish to pay College bills by either credit card or direct ACH Deposits from a bank account may do so by contacting CashNet through the Arch or have the student grant you access to the online payment website. Any fees associated with these types of transactions are passed onto the student.
Credit Balances
Juniata will pay credit balances to students in a timely manner, usually within two weeks of the determination of the credit balance. Credits are deemed to be applied to bills in the order as indicated in the Student Financial Planning section of the catalog.
Late Fees
Late Payment: Any student who fails to pay his or her tuition, room, and board bill (or make proper arrangements with Accounting Services) by the due date on the bill is charged a fee of 1.5% per month on past due balances.
Late Endorsement of Co-payee Checks: The College receives checks for tuition, room, and board made out to both the College and the student. The College may not use these funds until the check is endorsed by both the College and the student. The College will notify the student when such a check is received. Failure to endorse the check in a timely manner (generally within one week of notice date) will result in a charge of $5 for each subsequent week or part of a week.
Through an agreement with AES and other lender/guarantee agencies and the College, direct deposit of loan proceeds into the College’s bank account is permitted. Students should authorize this method of disbursement by checking the appropriate box on their loan application or signing an authorization form available in Accounting Services.
Registration Late Fee: Any student who fails to register or submit a (POE) Program of Emphasis plan by the published deadline, may be assessed a late fee of $50 for each incident.
Refund Policy
As the College has expenses of a continuing nature, usually incurred on an annual basis, it assumes that students, once enrolled, will remain for the semester. However, the College recognizes that individual circumstances, including serious illness or other emergency reasons, may dictate a withdrawal. Official notice with an explanation of the reason for withdrawal must be made to the Dean of Student Services. A case-by-case review of the particular circumstances will be made to determine refund eligibility (if any). The College uses a federally mandated refund procedure based on a percentage of semester completed to calculate charges and applicable credits for students serparating from the College after the semester begins.
We are required by federal statute to determine how much financial aid was earned by students who withdraw, drop out, are dismissed, or take a leave of absence prior to completing 60% of a payment period or term.
For a student who withdraws after the 60% point-in-time, there are no unearned funds. However, a school must still complete a Return calculation in order to determine whether the student is eligible for a post-withdrawal disbursement.
The calculation is based on the percentage of earned aid using the following Federal Return of Title IV funds formula:
Percentage of payment period or term completed = the number of days completed up to the withdrawal date divided by the total days in the payment period or term. (Any break of five days or more is not counted as part of the days in the term.) This percentage is also the percentage of earned aid.
Funds are returned to the appropriate federal program based on the percentage of unearned aid using the following formula:
Aid to be returned = (100% of the aid that could be disbursed minus the percentage of earned aid) multiplied by the total amount of aid that could have been disbursed during the payment period or term.
If a student earned less aid than was disbursed, the institution would be required to return a portion of the funds and the student would be required to return a portion of the funds. Keep in mind that when Title IV funds are returned, the student borrower may owe a debit balance to the institution.
If a student earned more aid than was disbursed to him/her, the institution would owe the student a post-withdrawal disbursement which must be paid within 120 days of the student's withdrawal.
The institution must return the amount of Title IV funds for which it is responsible no later than 45 days after the date of the determination of the date of the student’s withdrawal.
Tuition and Room Charges: Tuition and room charges, for refund purposes, are pro-rated from the first day of classes each semester and based on the percent of the semester which has expired. Full tuition and room charges will be assessed after the 60% point of the semester has passed.
All students who separate from the College, after the start of classes, will be assessed an administrative fee of $100.
The student security deposit will be retained for those students who have only temporarily separated. The deposit will be refunded if the student chooses not to return.
Board Charges: Board charges are prorated in accordance with length of College attendance.
Financial Aid: The crediting of financial aid ceases for withdrawing students in the semester in which separation occurs. Federal regulations require that refunds be made in the same order as credited. Credits are applied to bills in the following order:
- Unsubsidized Federal Stafford Loans
- Subsidized Federal Stafford Loans
- Unsubsidized Direct Stafford Loans (other than PLUS loans)
- Subsidized Direct Stafford Loans
- Federal Perkins Loans
- Federal Parent (PLUS) Loans
- Direct PLUS Loans
- Federal Pell Grants for which a Return of funds is required
- Federal Academic Competitiveness Grant for which a Return of funds is required
- Federal SMART Grant for which a Return of funds is required
- Federal TEACH Grant for which a Return of funds is required
- Federal Supplemental Opportunity Grants for which a Return of funds is required
- Other assistance under this Title for which a Return of funds is required (e.g., LEAP)
- State Grants
- Juniata Grants and Scholarships
- Other payments
Summer Session, Occasional Academic and Part-time Fees: Refunds are calculated proportionately according to the above table.
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