Catalog 2013-14

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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.

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Sources of Aid

Generally, the resources available to provide assistance fall into three broad categories: scholarship and grant, loans, and work.

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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.

Competitive Scholarship programs:

Juniata offers an array of competitive scholarships that recognize the outstanding achievements of incoming students without regard to financial need. Academic Scholarships at Juniata reward students who do well academically, but also contribute to their school and community by getting involved. For most scholarships at Juniata, all you have to do is apply to be considered!

The Distinguished Scholars Awards present opportunities for students who have achieved National Merit, National Hispanic Recognition or National Achievement Finalist status as determined by the National Merit Scholarship Corporation.

One will earn the W. Clay and Kathryn H. Burkholder Scholarship, valued at over $175,000 over four years, which covers all tuition, room and board, fees, and books. Others are eligible for Ronald L. Cherry or Richard M. Simpson scholarships, valued at over $130,000 over four years, which cover full tuition. Candidates will be interviewed. Those selected must submit official notification of Finalist status and indicate Juniata as their final college choice.

James Quinter Scholarships, valued at $80,000 over four years ($20,000 per year), honor the College’s first president. Students whose cumulative GPA is 3.75 or better and who receive at least a 1320 (M+V)/29 ACT Composite or better are eligible for consideration.

Calvert Ellis Scholarships, valued at up to $72,000 over four years (up to $18,000 per year), honor the president who led Juniata in the post-World War II era. These scholarships range from $10,000 to $18,000 per year and are determined by a review of the student’s academic, extracurricular and community achievements.

Heritage and Ray Day Scholarships, valued between $2,000 and $8,000 per year, are awarded to students who show commitment to academic excellence, leadership and community service that culminate in a level of understanding among diverse groups.

Phi Theta Kappa Transfer Scholarships – Two $24,000 scholarships are awarded annually to Phi Theta Kappa students who transfer to Juniata.  Students who have active PTK membership at their current community college and at least a 3.85 GPA are eligible for consideration.

Scholarships in Science, Technology, Engineering and Math (S-STEM) for Transfer Students -  In conjunction with the National Science Foundation, Juniata will award six scholarships worth up to $10,000 to students who transfer to Juniata in their junior year from a strong two year college.  The awards are competitive and are based on academic achievement, financial need, and commitment to studying a STEM area.  As part of the scholarship, each student will also receive a paid and mentored summer undergraduate research experience at Juniata. 

 

"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.

 

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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.

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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.

Community Work Study

The Community Work Study Program places Federal Work Study-eligible students at community agencies across Huntingdon County for part-time employment in service to the community. Students earn minimum wage while aiding organizations, become more efficient with program/event planning and reach out into the community. Tutoring programs such as the Huntingdon Community Center After-School Program, the Salvation Army ARC of Learning Program and the Bethel AME After-School program work with Huntingdon Co. youth and provide tutoring for K-12. There are also positions available with other agencies. Information, position descriptions, and applications will be available in the Office of Service Learning.

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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.  

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. 

The following conditions must be met to maintain the provisions of the Conditional Guarantee:

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Cost of Education Budget

Resident Students and Those Living in Off-Campus College Housing (2013/14)

 

Tuition $ 36,410
Room $ 5,480
Board $ 4,820
Mandatory Fee $ 760
Books & Supplies $ 1,000
Personal Expenses $ 1,000
Transportation Expenses $ 250
Total (used to determine aid) $ 49,720
Total Direct Costs (paid to JC) $ 47,470

 


* 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  $ 36,410
Living Expenses  $ 1,650
Mandatory Fee  $ 540
Books & Supplies  $ 1,000
Personal Expenses  $ 1,000
Transportation Expenses  $ 600
Total (used to determine aid)  $ 41,200
Total Direct Costs (paid to JC) $ 36,950

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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 FAFSA and the Institutional Data Form (IDF) are required.

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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.

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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.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 can be completed online.

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Loan Applications

Students are required to complete the Master Promissory Note (MPN) as the chief application for a Federal Direct 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. 

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Financial Aid Standards of Satisfactory Academic Progress

 

All students (including international students) enrolled at Juniata College are subject to the academic standards of the College, which are printed in the College catalog. In addition, students receiving financial aid, in order to continue to receive financial aid, must meet other requirements as described in detail in this statement of Satisfactory Academic Progress.

The Higher Education Act of 1965 (HEA), as amended, mandates institutions of higher education to establish minimum standards of Satisfactory Academic Progress (SAP) for students receiving financial aid. Program Integrity Regulations, modifying these requirements, were issued October 29, 2010, with an effective date of July 1, 2011. In order to comply with these requirements, Juniata College has established the following definition or standard of Satisfactory Academic Progress for undergraduate students.

The federal programs governed by this regulation include Federal Pell Grant, Federal Supplemental Educational Opportunity Grant, Federal Work Study, Federal Perkins Loan, Federal Direct Student Loans and Federal Direct PLUS loans. Specific guidelines for other financial aid programs, including Juniata funded awards are noted throughout the policy and summarized at the end of the document*.

To be considered as maintaining Satisfactory Academic Progress, both full-time and less than full-time students must meet the following standards:


Requirements

Pace
Students must successfully complete an average of 67% of their cumulative, attempted credit hours as transcripted by the Registrar’s Office.

Qualitative Measure
All students must maintain a cumulative grade point average corresponding with the table below, as transcripted by the Registrar’s Office.

Credits Attempted (Including Transfer Credits) Minimum Cumulative Grade Point Average


0-35.99 1.66
36-61.99 1.80
62-89.99 1.95
90 or more 2.00

Grade Level Progression
In order to advance to the next academic grade level for financial aid purposes, the following credit hours must be completed:

To advance to: You must complete:
Grade Level 2 — 24 credit hours
Grade Level 3 — 54 credit hours
Grade Level 4 — 87 credit hours

Special Notes

Generally, it takes 120 credit hours to obtain a Bachelor’s Degree. To graduate in four years, a student must enroll for, and earn, an average of 15 credit hours per semester. Earning only 12 credit hours per semester (minimum for full-time) would extend graduation beyond the four year standard. Therefore, students who receive Juniata sponsored Merit scholarships and need-based grants should average at least 12 credits per semester. Also, certain financial aid resources, such as the Pennsylvania Higher Education Assistance Agency and other state grants, require a minimum of 12 credits earned per semester and are only available for 8 semesters.

Maximum Time Frame

Under Federal regulation, the maximum time frame that a student may have to complete an undergraduate program is 150% of the published length of the educational program for a full-time student. Juniata College has chosen to make this measurement on a credit hour basis. In most cases, a student must have earned 120 credit hours to complete an undergraduate degree. Therefore, it is expected that all students will complete all degree requirements by the time the student has earned 180 credit hours. Transfer credits reflected on a student’s transcript count as attempted and earned credit hours. Students who do not complete their program within this time frame can continue to attend, but they will not be able to continue to receive financial aid. All Juniata sponsored Merit scholarships and need-based grants are limited to 8 semesters of eligibility, unless the student has experience unusual or mitigating circumstances that prevented degree completion within 8 semesters.

Additional Undergraduate Degrees

Students pursuing a second undergraduate, baccalaureate degree, including Teacher Certification, are limited to 90 attempted credit hours of work between receipt of the first degree and completion of the second. Second degree students may not receive federal financial aid beyond 90 attempted credit hours of enrollment in the second undergraduate degree program.

Frequency of Progress Checks

The Office of Student Financial Planning will conduct the official check of Satisfactory Academic Progress at the conclusion of the academic year, following spring semester, regardless of whether the student received financial aid or not.

If a student fails to achieve Satisfactory Academic Progress, the student will be informed of this via letter or electronic mail from the Office of Student Financial Planning. Included in this communication will be information on the student’s status, the effect of this status on the student’s financial aid eligibility, and any actions the student must take. The notice will be sent to the student’s most current addresses on file. It is the responsibility of the student to inform the College of a correct mailing address at all times. If sent by electronic mail, the student’s Juniata College electronic mail address will be used for all such communications.

The Dean of Students Office will be notified of students who failed to achieve Satisfactory Academic Progres.

Appeal Process

Following the first semester in which the student does not meet the Satisfactory Academic Progress standard, the student will not be able to receive financial aid for the next period of enrollment unless the student successfully appeals.

The requirements of this Satisfactory Academic Progress policy can be appealed based on the following circumstances:
• Death or serious injury or illness of an immediate relative
• Student injury or illness which required medical intervention
• Significant, unanticipated family obligations
• Catastrophic loss (e.g. flood, fire, etc.)
• Other special circumstances.

The student’s appeal must include:


• An explanation of why the student failed to make Satisfactory Academic Progress. In other words, explain how the circumstance prevented the student from performing up to his or her normal academic potential.
• A description of what has changed that will allow the student to achieve Satisfactory Academic Progress status in the coming semester.

To appeal the loss of Satisfactory Academic Progress status, the student should submit the information to the Juniata College Office of Student Financial Planning, along with any supporting documentation (e.g. death certificate, doctor’s note, letter from academic advisor or other 3rd party). The Director of Student Financial Planning reserves the right to request additional information on a case-by-case basis.

Approvals/Financial Aid Probation
Students who successfully appeal are granted Financial Aid Probation status for one semester. The student will be notified by letter or by electronic mail to their Juniata email account of the results of the SAP appeal.

The student should carefully review the SAP appeal notification, which will outline the unique, individualized SAP requirements the student must meet in order to maintain eligibility for federal financial aid. For example, a student who has failed to meet the 67% pace requirement, may be told in the appeal notification that s/he must maintain a higher minimum pace on a term by term basis, as well as earn a certain minimum GPA each semester, in order to maintain eligibility for federal financial aid. The student must keep the appeal notification for future reference.

Academic Plan/Statement of Intent
A part of the appeal process can be the establishment of an academic plan/statement of intent designed to help the student regain Satisfactory Academic Progress standing. The Academic Plan/Statement of Intent can be part of the student’s appeal. The academic plan/statement of intent is worked out between the student, his or her academic advisor, and/or the Registrars’ Office.

The academic plan/statement of intent is not required at the start of the probationary semester. But, if the student fails to regain Satisfactory Academic Progress status at the end of the probationary semester, the student must be successfully following the academic plan/statement of intent in order to continue to receive financial aid.

The academic plan/statement of intent must define how the student can regain Satisfactory Academic Progress status by a specific point in time.

Denials
If an SAP appeal is denied, the decision is final for the enrollment term specified by the student on the appeal form. A student may be able to re-establish eligibility on his/her own, for future semesters, by completing sufficient credit hours and/or improving his/her GPA such that s/he then meets the SAP requirements. Please contact The Office of Student Financial Planning if you have questions about reestablishing eligibility.

Financial Aid Probation
A student is considered to be on Financial Aid Probation during the first semester s/he receives federal financial aid under an approved SAP appeal.

Important - Please Note: A successful appeal of academic suspension is unrelated to financial aid suspension and does not result in reinstatement of a student’s financial aid eligibility. Appealing one’s financial aid suspension status is a separate process.

Miscellaneous

Repeated Courses
Some students repeat courses they have passed in order to raise their grade point averages (GPA). Be aware that repeating a course for which credit has been earned (a grade of “D-” or higher received), will not result in additional, earned (i.e. new) credit for financial aid/academic progress or degree requirement purposes. When repeating courses for which credit has already been earned, students should plan their class schedules carefully to ensure that they continue to meet SAP requirements.

Withdrawals
Courses for which a student receives a grade of "W" are included in the number of attempted hours, but do not count as earned credit hours for SAP purposes.

Transfer Credits
Transfer credits reflected on a student's Juniata academic transcript are counted as both attempted and earned credit hours for SAP purposes. This includes college credits earned either as a full or part-time college student at another institution or through dual enrollment.

Other Grades
Courses for which Satisfactory or Unsatisfactory grades are received count as both attempted and earned credit hours for SAP purposes. Courses for which a student receives the grade of “AU” (audit) will not count as attempted or earned for SAP courses.

*Renewal of Juniata Scholarships and Grants

Students receiving Juniata funding must earn an average of 12 credits per semester in order to have the award renewed, unless the student has experience unusual or mitigating circumstances that prevented him/her from completing the credits.

Juniata sponsored Merit scholarships and need-based grants are limited to 8 semesters of eligibility, unless the student has experience unusual or mitigating circumstances that prevented degree completion within 8 semesters.

 

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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.)

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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.

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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

$18,585

$18,445

Spring Semester

$18,585

$18,445

Total

$37,170

$36,890

 

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 $1175 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.

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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.

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Occasional Academic Fees

Auditing: The fee for auditing is $750 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 $1175 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 $780 for a two-credit, one hour per week lesson, or $390 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 $920 per semester (one lesson per week).

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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 $85 and part-time students $20 per semester..

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 $100 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 $196 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.

Juniata College

2013-14 Premium Rates

Domestic and International Student Insurance Plans

Administered through Bollinger Insurance Company

Annual Rate (under age 26):                             $1,293

Annual Rate (age 26 or older):                         $1,831

Annual Rate (each dependent):                        $1,674

Single Semester (under age 26):                      $ 865

Single Semester (age 26 or older):                 $1,225

Single Semester (each dependent):                $1,120

Summer (under age 26):                                     $ 435

Summer (age 26 or older):                                 $ 615

Summer (each dependent):                               $ 560

 

Technology Fee: All students will be charged a technology fee at the beginning of each semester. Resident students will be charged $205 per semester; nonresident students will be billed $85 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

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.

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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 $1500 per semester hour when taking less than 12 semester hours. For persons holding bachelor’s degrees, the fee is reduced by one half.

Summer Session: Students enrolling in summer courses will be charged  $780 (summer 2014 rate) per credit unless they are participating in a program with special rates

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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.

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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 9 and January 3, 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.

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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.

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Late Fees

Late Payment: Any student who fails to pay his or her tuition, room, and board bill (or make proper arrangements with the Bursars Office) 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.

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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 & Board 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.

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:

Summer Session, Occasional Academic and Part-time Fees: Refunds are calculated proportionately according to the above table.

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