Adult and Continuing Education

Tuition as indicated per course is in a separate booklet on Adult and Continuing Education.

Senior Citizens

Senior citizens who are New York State residents who are 60 or older may be enrolled in undergraduate courses on a space available basis, without tuition or fee charges except as indicated below, provided they do so on an audit basis. Senior Citizens who audit undergraduate courses will not receive degree credit and grades of “AUD” will be assigned. Senior Citizens will be required to pay a $65.00 non-instructional charge and a $15.00 consolidated service fee for the semester, as well as any penalty fees (i.e., late registration, library fines, reprocessing fees, etc.) Senior Citizens who wish to enroll for credit may opt to do so on the same basis as any other degree-credit student. They shall pay the applicable tuition and fees.

Definitions

1. New York State residents— A resident student is one who is a United States citizen or a permanent immigrant and who has had his or her principal place of abode in the State of New York for a period of at least twelve consecutive months immediately preceding the first day of classes for the semester with respect to which the residency determination is made, and states his or her intention to permanently live and maintain his or her principal place of abode in New York State. Members of the armed services of the United States stationed in New York State, their spouses, and their dependent children, are considered residents of New York State.
2. Non Residents of New York State and Out of Status (Undocumented) students- Non residents of NYS and out-of-status (undocumented) students who attenda NYS high school for at least two years and graduated, or obtained a NYS GED diploma, may apply for in-state tuition if they apply to CUNY within five years ofreceiving their diploma.
3. Lower Division – A student who has earned fewer than 61 credits.
4. Upper Division— A student who has earned 61 or more credits as of registration. This includes students who have earned a baccalaureate degree.
5. Full- time— A student who is enrolled for 12 or more credits or the equivalent.
6. Part- time—A student who is enrolled for fewer than 12 credits or the equivalent.

Association and Consolidated Fee

The full-time association, University Student Government Fee, and consolidated fee of $83.00 or the part-time association, University Student Government Fee, and consolidated fee of $63.00 will be added to the bill. The association, University Student Government Fee and consolidated fee for the summer session is $10.85.

**All courses taken by part-time students will be charged on a credit basis except Developmental and Compensatory courses which will be charged on a contract hour basis. Courses with excess hours due to laboratory or field work will be charged on a credit basis for part-time students. The tuition charged part-time matriculated students on a per credit basis in any one semester may not exceed the semester rate.

Table 1 — Compensatory and Developmental Courses

In the following developmental-compensatory courses where the hours exceed the credits, the hours will be used instead of credits to determine full or part-time status and part-time fees:

Status Associated Fee

Full Time:

• $67.15 Association Fee Plus
• $15.00 Consolidated Fee Plus
• $100.00 Technology Fee Plus

tiated Fee

• $0.85 University Government Fee
• Total Per Semester $183.00

Status Associated Fee

Part-Time:

• $47.15 Association Fee Plus
• $15.00 Consolidated Fee Plus
• $50.00 Technology Fee Plus
• $0.85 University Government Fee
• Total Per Semester $113.00

Technology Fee: The full-time technology fee of $100 or the part time fee of $50 will be added to the bill. The technology fee for the summer session is $50. The technology fee is non-refundable.  However, if the following occurs, a refund will be granted:

• The college cancels a course or courses causing the student to drop below full-time;
• The student is incorrectly billed by the college;
• The student officially withdraws prior to the first day of the semester/session

MATERIALS AND TRANSPORTATION FEES

Readmission Fee — $10.00

Students who are readmitted to the University after an absence of one or more semesters (exclusive of summer session) shall be required to pay a readmission fee. This fee is not refundable.

Transcript Fee — $7.00

This fee will be waived for transcripts to units of CUNY. When requesting transcripts by mail, state the name and address of the person to whom the record is to be mailed. Such requests must be accompanied by a money order for $7 for each transcript, made payable to York College. Personal checks are not accepted. Transcripts bearing the college seal are mailed to the official designated in the request and not given to the applicant for personal delivery. Requests may not be made by telephone. However, transcript requests can be made online at www.york.cuny.edu/registrar/transcripts

Special Examination Fee

When a student requests an examination at a time other than the scheduled time, and permission is granted by the College, a Special Examination fee is charged at the rate of $25 for the first examination and $5 for each additional examination.

Payment Reprocessing Fee — $15.00

When a student’s check is tendered to the college as payment of a liability and the check is not honored by the bank upon which the check is drawn (NG check), the student shall be charged a reprocessing fee.  A separate $15 fee will be charged for each check that requires reprocessing.
Electronic payments, made through eSIMS, that are rejected for any reason will also be charged a reprocessing fee for each rejected transaction.   The student’s check writing privileges on campus will be revoked. All subsequent payments must be made in cash, certified check or money order. In the event that a student does not make a check good by a given due date the student will be required to satisfy the obligations and pay a nonpayment service fee.

Duplicate Diploma — $15.00

There will be a charge for each duplicate diploma.

Refund Policy

The date on which the Change of Program and Withdrawal form is filed with the College, not the last date of attendance in class, is considered the official date of the student’s withdrawal. It is this official date which serves as the basis for computing any refund granted to the student. No portion of the Association fee, university student government fee, technology fee, consolidated fee, special fees, or penalty fees are refundable.

Procedures

1. A full refund is available only if an official withdrawal is made before the first scheduled day of classes.
2. Program changes affecting a student’s credit load, from full-time to part-time, or reducing one’s part-time credit load, may entitle the student to a refund if the change is made within the refund period indicated below.

Refund Schedule.

NOTE: Students who take a leave of absence after the first day of classes are liable for tuition and fees in accordance with the above schedule of refunds. Federal and State guidelines for financial aid vary according to the specific type of aid the student is awarded. If a student is awarded financial aid and intends to change their enrollment status, they should contact Student Financial Services regarding their eligibility for financial aid funds.

Special Situations

1. The College cancels the student’s registration: If a student is permitted to register and subsequently the College learns that the student is not in good financial standing due to prior liabilities, the registration may be cancelled. The student is not liable for tuition and fees for the semester in which the registration is cancelled.
2. Improper advisement has been given: If a tuition-paying student is placed in a special class following testing, and after a week or more in the class, the instructor advises that the student does not need the course and should withdraw, the student is entitled to a full or partial refund according to the following: if the College is satisfied that the student was improperly advised originally, the tuition may be refunded in full; otherwise, the student is entitled to a tuition refund based on the established refund schedule.
3. Change in status from full-time student to part-time student: If a full-time student (registered for at least 12 credits) drops a course during the refund period and thus is registered for less than 12 credits, the student’s effective tuition is then calculated on a part-time basis. However, the student is liable also for that portion of the full-time tuition which is not refunded in accordance with existing refund procedures (see section on Refund Policy). The student’s refund is calculated by subtracting the new part-time tuition amount from the full-time amount and giving him as a refund a percentage of that difference, the percentage depending upon the point of withdrawal. (Table 3.)

Change in Status from Full-Time to Part-Time

Tuition Waivers

Tuition waivers may be changed or abolished by The City University Trustees without notice, and at all times are subject to budgetary limitations which have been established for City University

The Cost of Education

The cost of education is an important consideration when deciding which educational program is best suited to your goals and aspirations. The following information should be of assistance to you in calculating the costs related to attendance in York College.  By performing some basic calculations, you can develop your own “student budget.” Generally, a student budget consists of the direct educational costs of tuition, fees, books and supplies, as well as those costs which are incurred by virtue of attendance, such as transportation and lunch. Students who are not living with their parents also need to take into consideration housing costs, and those with young children need to include childcare expenses.

Developing a Student Budget

The following are the most recent CUNY guidelines used for establishing the total cost of education for financial aid purposes. The amounts vary according to whether a student is living with parents or living away from home. Students should be aware that these are minimal figures, and that actual costs, especially for housing, may be higher. These figures are based on an academic year of nine months.

Tuition and Fees Schedule

For the 2011-2012 academic year, undergraduate students who attend any institution within CUNY will be charged according to this tuition schedule.

Fees vary from campus to campus.

Books/Supplies

The average cost of books and supplies for an undergraduate student is $1,179. In some cases, an individual student’s curriculum may require a somewhat higher or lower expenditure.

Living Costs for Students Living With Parents

If you are a dependent student, the following costs represent the total out-of-pocket expenses, which will result from your college attendance. Public transportation for nine months is approximately $986. This amount is based upon the current $2.50 fare. For personal expenses and recreation, the amount allowed for the academic year is $2838. This figure includes the allowance to be used for lunch at school. Room and Board expenses include an allowance of $1655.

Living Costs for Students Living Away from Home

If you are a single, independent student who commutes to college, you should expect to spend approximately $7920 for rent and utilities and $2980 for food (including lunch) for the nine-month academic year. Public transportation for nine months is approximately $986. This amount is based upon the current $2.50 fare. Personal expenses for a single-person family during this period total approximately $3837.

Budget Adjustments

Child Care Students who have dependent children under 13 years of age will be eligible for a budget allowance of up to $3159 regardless of the number of children under 13 (12 years, 12 months minus a day).   Disabled/Handicapped Students who can document additional expenses as a result of a disability and are not sponsored by the Office of Vocational Rehabilitation (OVR)and the Commission for the Blind and Visually Handicapped can receive a budget adjustment.

Student Financial Services

Student Financial Services provides assistance to students in securing resources to pay for the costs of college. Eligibility for most assistance is based upon demonstrated financial need. Financial need considers the average cost of attending college and an expected family contribution using a formula established by the U.S. Congress. Your expected family contribution is determined by filing a Free Application for Federal Student Aid (FAFSA). When you apply for financial aid using the FAFSA, you are actually applying to several different aid programs. Student Financial Services assists students in the application process and matches fund sources to students based on eligibility requirements. Updated information is maintained on our website. Applying for Financial Aid To apply, students are required to file the Free Application for Federal Student Aid (FAFSA), which is online at www.fafsa.ed.gov.   When you file the FAFSA on the Web, you will be directed to a TAP application used to apply for state aid.  To expedite the application, you and your parents should request a PIN from the federal government. This is done at www.pin.ed.gov.  The PIN acts as an electronic signature and can speed not only the FAFSA and TAP applications, but also other documents throughout the year.  The York College federal code is 004759 and the state code is 1418. Transfer Students Students transferring to York should ensure that York College is listed on their application for federal and state aid. You can add the York College Federal Code (004759) at www.fafsa.ed.gov.  The York College TAP school code is 1418. Students’ state applications may be checked and updated at  www.hesc.com.

Financial Aid Programs

State Programs

Tuition Assistance Program (TAP)

The New York State Tuition Assistance Program helps eligible New York residents attending in-state postsecondary institutions pay for tuition. Depending on the academic year in which the student began study, annual TAP awards range from $500 to full CUNY tuition.   To be eligible for TAP, a student must: • Be a United States citizen or eligible non-citizen. • Be a legal resident of New York State. • Study full time (at least 12 credits per semester).* • Have graduated from a U.S. high school, or have a GED, or has passed a federally-approved “Ability to Benefit” test as defined by the Commissioner of the State Education Department. • Be matriculated in an approved program of study and be in good academic standing. • Have at least a cumulative “C” average after receipt of two annual payments. • Not be in default on any State or Federal made student loan. • Meet income eligibility limitations. * Effective Fall 1998, disabled students who meet definition of the 1990 Federal Americans with Disabilities Act may receive TAP while attending less than full-time. Please check with Student Financial Services, Room 1M08, for updated information.   What Are The Income Limits? • Dependent undergraduate students or independent students who are married and have tax dependents - $80,000 NYS net taxable income. • Independent undergraduate students who are married and have no other tax dependents - $40,000 NYS net taxable income. • Single independent undergraduate students with no taxable dependents - $10,000 NYS net taxable income.   What Determines The Amount Of The Award? • Academic year in which first payment of TAP or any state award is received. • Combined family NYS net taxable income. • Financial status (dependent or independent). • Other family members enrolled in college. • The final filing deadline for TAP is May 1 of the academic year for which aid is sought.

Part-Time TAP (PTAP)

New York State Education Law was amended in 2006 to create a Part-Time Tuition Assistance Program for New York State students. To be eligible for part-Time TAP, students must have been freshmen in the 2006-2007 academic year or thereafter, have earned 12 credits or more in each of two consecutive semesters, and maintain a “C” average. Part-Time Tap allows for partial TAP payment for students taking 6-11 credits.   Eligibility Criteria To be eligible for PTAP, a student must: • Be a United States citizen or eligible non citizen. • Be a legal resident of New York State. • Have graduated from high school in the United States, or earned a GED, or passed a federally approved “Ability to Benefit” test as defined by the Commissioner of the State Education Department. • Be matriculated in an approved program of study and be in good academic standing. • Be taking 6 but fewer than 12 credits per semester. • Not be in default on any State or Federal student loan. • Meet income eligibility limitations.

Award Amounts

A PTAP award is calculated as a proportional fraction of a normal full-time TAP award based on the number of part-time credits a student is registered for.

Income Limits

(Refer to the income limits for TAP.)   Aid for Part-Time Study (APTS) To be considered for an APTS award, students must meet the same eligibility requirements as the TAP program with one difference. It is a part time program therefore you must be registered for at least 6 credits but less than 12, of which 3 must be non-remedial credits.  You must have completed the FAFSA, TAP application and the CUNY Financial Aid Supplement to be considered for APTS.

Income Limits

Eligibility for an APTS award is based on New York State net taxable income and federal, state, and local pension income  from the preceding calendar year. If students were eligible to be claimed as tax dependents by their parents, family New York State NET taxable income may not exceed $50,550.  Family income includes student and parent’s income.   If students were not eligible to be claimed by their parents as tax dependents, their New York State NET taxable income (including spouse’s income) can be as much as $34,250 to qualify for an award. Spouse’s income must be included if they were married on or before December 31 of the previous calendar year.   If students were not eligible to be claimed by their parents but were eligible to claim tax dependents other than self and/or spouse, New York State NET taxable income (including spouse’s income) may not exceed $50,550 to qualify for an award. Spouse’s income must be included if they were married on or before December 31 of the previous calendar year.

State Satisfactory Academic Progress Guidelines

The regulations stipulate that in order to maintain TAP eligibility, students must meet the academic progress standard each award semester. This standard has two components: 1. Students must accrue a specified number of credits per semester (Table 1). 2.Students must achieve a minimum level of performance as measured by cumulative grade point average (GPA) per semester(Table 2).

Table 1 — Program Pursuit Chart

Completed grades are A+, A, A-, B+, B, B-, C+, C, C-, D+, D, F, P, FIN, INC, NC, PEN and R. W, WF, *WN or WU grades are not considered completed grades for TAP purposes.

Please Note that APTS pursuit is based upon 3 credits = 100% and PTAP pursuit is based upon credits for which the students are enrolled.

Table 2 — Academic Progress Chart (Effective Fall 2010)

0   1.5    1.8   1.8    2.0   2.0   2.0  2.0   2.0    2.0     1^st 2^nd 3^rd 4^th 5^th 6^th 7^th 8^th 9^th 10^th A student must have accrued at least this many credits: 0     3      9     21     33    45    60   75    90    105 With at least this grade point average: 0   1.1    1.2   1.3    2.0   2.0   2.0  2.0   2.0    2.0       Cumulative credits mean total credits passed since beginning of student’s college career (Grades A+, A, A-, B+, B, B-, C+, C, C-, D+, D). When resolved, INC will be reviewed for retroactive liability, if any. Please note that students who first received State aid prior to Fall 2007 have different Academic Progress requirements.

Maximum Eligibility

Undergraduate students enrolled in four year programs may receive up to four years of TAP assistance for fulltime study; up to five years in the SEEK Program.  At the time of this publication, the New York State budget did not provide TAP funding for graduate students.  HESC monitors the usage of NYS awards by assigning payment points for each award a student receives:6 points for a full-time semester payment; 3 points for a half-time accelerated study summer payment; and 3 points for an APTS payment. PTAP usage is measured as a proportional fraction of a full-time semester TAP payment.

Petitioning for a Waiver

A one-time waiver of the normal progress requirements may be granted. If you fail to meet the TAP pursuit, progress, and/or attendance requirements, you may apply to the TAP Waiver Committee for a waiver. The extenuating circumstances, which will be considered by the committee, and which must be documented, are the following: • Personal illness involving hospitalization or extended home confinement; • Illness in immediate family requiring your absence from classes for an extended period; • Emotionally disabling condition, which prevented you from attending classes; • Change in working conditions of your job on which you and your family are dependent; • Military duty, incarceration or other involvement with agencies or government, which prevented you from attending classes. For undue hardship directly affecting the 2.0 requirement, more than one waiver may be granted. Your academic record will be assessed for indications that you will be able to meet the standards in the following semester. A waiver does not extend the number of TAP payments you may receive. It does enable you to receive TAP for that semester only and you must then meet the requirements to be eligible for further payments. Applications are available in Student Financial Services.

Federal Student Aid Programs

To determine if you are eligible, the U.S. Department of Education uses a standard formula established by Congress, to evaluate the information you report when you apply. Based upon the information that you provide on the FAFSA, your Expected Family Contribution (EFC) number will be used to determine your eligibility for federal student aid.   If you claim to be an independent student, you may be asked to submit proof before receiving federal student aid.   You are an independent student if you are one of the following: • At least 24 years old by January 1 of the award year • A married student • A veteran of the armed forces of the United States • A student with legal dependents other than a spouse • An orphan and in foster care or ward of the court as of age 13 or older • A graduate or professional student • Currently serving on active duty in the U.S. Armed forces for purposes other than training • An emancipated minor as determined by your state of legal residence • In legal guardianship as determined by your state of legal residence • After July 1, 2010, you were determined to be an unaccompanied youth who is homeless, or were self-supporting and at risk of being homeless   A student may also be considered independent if the financial aid administrator determines and documents the student’s independent student status based on unusual circumstances. The Financial Administrator’s decision is final and cannot be appealed to the U.S. Department of Education.   Awards are paid with the expectation that the student will remain enrolled for the entire semester. A student who withdraws, officially or unofficially, or stops attending may be required to repay a portion of the award. A student who withdraws before payment is made may be eligible for a prorated award. For information, students should contact Student Financial Services.

Satisfactory Academic Progress

Federal regulations require the college to establish standards of Satisfactory Academic Progress for purposes of the receipt of Title IV financial assistance. When appropriate, this policy may be applied to other aid programs administered by Student Financial Services. A student must maintain satisfactory academic progress in a course of study regardless of whether the student was a previous recipient of Title IV financial assistance. The factors required to measure satisfactory progress are qualitative and quantitative. The qualitative measure is the grade point average. The quantitative measure is the time-frame/limitation.

Undergraduate Students

In order to be making satisfactory academic progress toward a degree, for purposes of receipt of Title IV Federal Student Assistance, an undergraduate student must, after two years of enrollment at the college, achieve a 2.0 GPA (“C”) average and accumulate credits toward the degree according to the following standards:   A. Attempted credits are not more than 150% of the credits normally required for completion of the degree. B. Accumulated credits are equal to or greater than two-thirds of the cumulative credits attempted at the institution. C. For baccalaureate programs accumulated credits are equal to or greater than (.75 (cumulative credits attempted) - 18) or for associate degree programs; accumulated credits equal to or greater than (.875 (credits attempted) - 21).

Graduate Students

In order to be making satisfactory academic progress toward a degree, for purposes of receipt of Title IV Federal Assistance, a graduate student must meet at least the GPA required for good academic standing at the institution and: A. Accumulate credits toward the degree greater than or equal to two-thirds the cumulative credits attempted at the institution. B. Not have attempted more than 150% of the credits normally required for completion of the degree.   Students will be measured against the satisfactory academic standard at the end of the spring term to determine eligibility for receipt of Title IV student financial assistance for the upcoming semester. Students who fall beneath the conditional standard may petition to the Petition Committee to retain their eligibility for receipt of Title IV Federal Student Assistance.   These appeals will be evaluated for mitigating circumstances resulting from events such as personal illness, injury, and personal tragedy, and for indicators that the student will achieve the appropriate standard. A successful appeal will result in a one-semester probationary period during which the student must meet the appropriate standard. A student who chooses to be enrolled without receipt of Title IV Federal Student Assistance may request a review of his/her academic record after the summer, fall or spring terms for a determination of whether the coursework taken in those periods have brought them up to the appropriate standard. If the standard is met with the inclusion of the coursework, eligibility for receipt of Title IV Federal Student Assistance may be restored for subsequent terms in that year.

Withdrawals

Withdrawals recorded on your permanent record will be counted in your cumulative record of credits attempted and will adversely affect your ability to meet the satisfactory progress standard. Note: Changes to your enrollment record caused by retroactive “non-punitive” administrative withdrawal activity can result in your having to repay the assistance you received that term.

Incomplete Grades

Your cumulative record of attempted credits must include any course for which you receive an incomplete grade. This course cannot be counted in your record of accumulated credits until you have received a completion grade. If you fail to meet the satisfactory progress standard for credit accumulation due to an incomplete grade for a course, the recording of a successful completion grade within a term which brings your accumulated credits up to the satisfactory progress standard will restore eligibility for this and subsequent terms within the academic year.

Repeated Courses

Successfully completed courses can generally be accepted toward degree requirements only once. However, each time you attempt a course, it is included as part of your cumulative record of attempted credits. Therefore, repeating a course, regardless of prior grade, reduces your ability to meet the satisfactory progress standard. Note, federal aid permits repeat of a previously passed course only once.   Federal Pell Grant A Federal Pell Grant is an award to assist undergraduates to pay for education after high school. You must be enrolled for at least one credit as an undergraduate matriculated student in an approved postsecondary institution and you must need financial assistance to continue your education. Award Schedule: Currently awards range from $555 to $5550 per year. The amount of the award will depend upon your Expected Family Contribution, the cost of attendance, enrollment status, and whether you attend school for a full academic year, or less. Federal Supplemental Educational Opportunity Grant (FSEOG) FSEOG is a program which helps exceptionally needy students with educationally related expenses. FSEOG awards are made to supplement other forms of financial aid and do not have to be repaid. Awards depend on the level of student need and availability of funds.   Selection of Recipients and Allocation of Awards To be eligible, you must be: 1. A U.S. Citizen or eligible non-citizen enrolled as an undergraduate student in approved post-secondary institution which Is  eligible to participate In the FSEOG program; 2. Enrolled in an institution which will provide the applicant with additional financial assistance at least equal to the amount of the FSEOG award. All awards are based on the availability of federal funds.

Federal Work Study Program (FWS)

Federal Work-Study is a program which provides employment for students with financial need. The program encourages community service and work related to the student’s course of study. Jobs are available both on and off campus. The FWS award amount depends on the level of need and availability of funds.

Selection of Recipients and Allocation of Award

To be eligible you must be a U.S. citizen or eligible non citizen, enrolled at least half-time. In the event that more students are eligible for FWS than there are funds available, preference is given to students who have a greater financial need and have completed applications on file while funding is available

Award Schedule

The post-secondary institution arranges jobs on campus, or off campus with public or private non-profit agencies such as hospitals, libraries etc., for up to 35 hours per week. Factors considered by the financial aid officers in determining whether, and how many hours, you may work under this program are: financial need, class schedule, academic progress, and health status.  On campus pay rates range from $8.00 - 8.50. Off campus rates are determined by the nature of the job and the applicant’s qualifications. The award ranges from $900-$2500 per academic year.

Federal Loan Programs

The William D. Ford Federal Direct Loan Program One of the loan programs CUNY participates in is the Federal Direct Stafford Loan program where students borrow directly from the federal government. Just like any other loan, these loans are repaid with interest. The interest rate on direct loans is adjusted annually every July 1^st .   Subsidized and Unsubsidized Loans Repayment begins six months after you are no longer enrolled for a minimum of six credits.  Currently the subsidized interest rate is 4.5% and the unsubsidized rate is 6.8%.  Interest on the unsubsidized loan will begin to accrue upon disbursement of the loan.  The federal government charges all borrowers an origination fee at the time the loan is disbursed which is deducted from the loan amount.   Undergraduate freshmen may borrow up to $3,500, sophomores $4,500, and juniors and seniors, $5,500, per academic year up to a total aggregate of $ 23,000 in subsidized loan.  The subsidized loan is a need based loan.   Additional unsubsidized funds may be available for dependent students based upon income and the cost of education.   The unsubsidized direct loan is available to eligible independent students, regardless of family income. Qualified freshmen may borrow an additional amount up to $9,500,  sophomores $10,500,  and juniors and beyond, $12,500 per academic year. The amount is based upon the cost of education.   Application Procedures: The application for Direct or PLUS loans may be obtained from the Financial Services Office or online. The Entrance Interview is completed online. When the loan is approved, you will receive notification from CUNY. After signing the Master Promissory note the loan will be disbursed in accordance with the college payroll calendar.

To be eligible for a direct loan you must:

1. Be a U.S. citizen or an eligible non-citizen;
2. Be enrolled at least half-time as a degree student in an approved college, university or other post-secondary institution in any of the United States;
3. Not be in default on a prior Federal student loan or owe a repayment on a PELL Grant or any Title IV Student Aid Program;
4. Have filed a FAFSA with the Dept. of Ed and submitted all required documentation to Student Financial Services. All Students must undergo a financial needs analysis to determine eligibility.
5. Meet satisfactory progress requirements including a minimum 2.0 GPA.

Additional Information About Direct Loans

• Before receiving a federal loan you must complete an Entrance Interview which will provide you with your Rights and Responsibilities as a borrower.
• You must complete and sign your Master Promissory Note.
• The funds are disbursed once a semester unless it is a one semester only loan.  In that case the loan will be disbursed in two equal payments during the semester for which you have registered.
• If you request a loan and later decide that you no longer need the funds, you may decline the loan by notifying the Student Financial Services Office.
• Immediately upon dropping below halt-time status, you must complete an Exit Interview.
• You are responsible for notifying the Direct Loan Servicer when you are no longer enrolled at least half-time and establishing a Repayment Plan.
• You are responsible for beginning repayment on time or submitting any deferment arrangements.
• You may view your loan information online by visiting www.nslds.ed.gov

Federal PLUS Loan

Parents of dependent students may apply for a PLUS loan. The annual amount of a PLUS loan is limited to the student’s cost of education minus any other estimated financial aid awarded. Unlike the Subsidized and Unsubsidized loan program, PLUS borrowers are subject to a credit check. In addition, repayment begins while you are still a student. The current interest rate is 7.9%, adjusted every July 1^st.  Applications are available in the Student Financial Services Office.  A completed FAFSA must be filed first.  Once the loan is processed, a Promissory Note must be signed.

Federal PLUS Loan for Graduates

Graduate or professional students are eligible to borrow up to their cost of attendance less other financial aid. The terms and conditions applicable to Parent PLUS Loans discussed above also apply to this loan. Applicants must complete a FAFSA and have applied for their annual maximum loan eligibility under the federal Subsidized and Unsubsidized programs. Students may then obtain a Graduate PLUS loan application in Student Financial Services. The promissory note is signed online using the federal PIN.  The interest rate in 7.9%, adjusted every July 1^st.  Repayment begins 60 days after the loan has been fully disbursed.

Federal Perkins Loan Program

Application for the Perkins Loan is made through the FAFSA. Once awarded, an Entrance Interview is required online which includes the signing of the annual Master Promissory Note.   Selection of Recipients and Allocation of Awards: Loans are available to students enrolled at least half-time in approved post-secondary institutions eligible under law to participate in the Federal Perkins Loan Program. Students must be in good academic standing. Award Schedule Undergraduates may borrow up to $27,500 during their undergraduate career and up to $60,000 for graduate studies.  The interest rate is currently 5% per year. Repayment: Repayment begins 9 months after dropping below half-time enrollment and may extend over a period of up to 10 years. Cancellation, deferment and forbearance information is available from York College and online.

Withdrawals and Return of Federal Financial Aid

There are federal regulations pertaining to recipients of financial aid funds who withdraw from school.  They require the school, and sometimes the student, to repay some or all of the financial aid that was received.  When these regulations require a larger repayment of federal funding sources than the amount specified by the school’s refund policy, the student will be responsible for the difference. In general, the law assumes that you “earn” your Federal financial aid awards directly in proportion to the number of days of the term you attend. If you completely withdraw from school during a term, the College must calculate according to a specific formula the portion of the total scheduled financial assistance you have earned and are therefore entitled to receive up to the time you withdrew. If you receive (or the College receives on your behalf) more assistance than you earn, the unearned excess funds must be returned to the Department of Education. If, on the other hand, you receive (or the College receives on your behalf) less assistance than the amount you have earned, you may be able to receive those additional funds. The portion of your Federal grants and loans you are entitled to receive is calculated on a percentage basis by comparing the total number of days in the semester to the number of days you completed before you withdrew. For example, if you complete 30% of the semester, you earn 30% of the assistance you were originally scheduled to receive. This means that 70% of your scheduled awards remain unearned and must be returned to the Federal Government. Once you have completed more than 60% of the semester, you can be said to have earned all (100%) of your assistance. If you withdraw from the College (either officially or unofficially) before completing 60% of the semester, you may have to repay any unearned Federal monies that were already disbursed to you. Your withdrawal date may be determined by the College as:

• The date you submitted the withdrawal form to the Registrar
• Or the midpoint of the semester if you withdraw without notifying the College.

We will determine how much aid is to be repaid based on the documentation.  You must repay the required amount during the term in which you withdraw.  Students failing to repay the required mount will have a hold placed on their records and will not be eligible for federal financial aid.

Institutional Aid Programs

Emergency Loan

A small, short-term loan for emergency assistance is available through application in the Office of Student Financial Services. Students should come with the proper documentation of the emergency. This loan is not for payment of fees, tuition, books or any anticipated school expense. If the loan is unsecured, the maximum amount is $50.00; if secured (a financial aid check tothe college is forthcoming), the maximum amount is $300.00. Information can be obtained in Student Financial Services.

Scholarships

Information may be obtained from the Scholarship Office, AC-4DA1 or the Admissions Office, AC-1B07.