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PARTNERSHIP You’ll find a different approach to aid at Juniata


e know those who wish to attend Juniata often have sought not only a top liberal arts college, but also the distinctive environment we provide, with the expectation of an immersive and transformative

education. We also know the personal investment for such an education can be complex. At Juniata, we partner with students and families to demystify the process of financing a Juniata education.

Our financial planning experts will work with you, one on one, to understand the conditions that define your family’s situation, and to provide information that can help you in your planning.

Facts about student financial planning at Juniata: •

Juniata provided more than $29 million in financial aid to its students in 2016.

98 percent of students attending Juniata receive merit and/or financial aid.

Juniata does not reduce need or merit-based aid when a student receives an external scholarship. This means the total value of any external scholarship you earn will not be subtracted from your net cost of education.

Juniata students who study abroad take their financial aid with them.

96 percent of students who graduate do so in four years or fewer.

92% Average ge of percenta t. need me

OUR MISSION The Office of Student Financial Planning is dedicated to helping students and their families manage the costs of a Juniata education through scholarships, grants, advice, and information about other resources and means by which the cost of education can be met. We assist every family, not only those who need help funding student dreams; and, our assistance continues through graduation. Our goal is to help families plan for the student’s entire education at Juniata.

MY SCHOLARSHIP STORY Building My Dreams A first-generation college student, Emily pays for her college expenses on her own, so her scholarship has been very beneficial. “My scholarship means that I don’t have to worry about working extra jobs,” Emily says. “I’m able to have time to do activities and clubs that I otherwise wouldn’t be able to do.”



uniata offers an array of competitive scholarships that recognize the outstanding achievements of incoming students without

regard to financial need. Academic scholarships at

Scholarsh ips range fro m $16,000 to $25,000.

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! Juniata’s academic scholarships range from $16,000 to $25,000. Awards remain with you for each of your four years of attendance. Academic scholarships:

Heritage and Ray Day Scholarships, valued between

James Quinter Scholarships honor the

$2,000 and $8,000 per year, are awarded to students

College’s first president.

who show commitment to academic excellence,

Calvert Ellis Scholarships honor the

leadership, and community service that culminate

president who led Juniata in the

in a level of understanding among diverse groups.

post-World War II era.

M.G. Brumbaugh Scholarships honor

the College’s third and fifth president.

Elizabeth Baker Scholarships honor a

philanthropist dedicated to the pursuit

of peace.

Phoebe Norris Scholarships honor a woman

in the first graduating class of 1879. She

was the first female physician elected

Vice President of the Medical Association

in Washington, D.C.

Phi Theta Kappa Transfer Scholarships

are two scholarships awarded annually

to Phi Theta Kappa students who transfer

to Juniata. To apply, contact our transfer

coordinator, Molly Thompson, at

Eagles Abroad Scholarships give students who wish to continue to learn Russian, Spanish, German, or French the opportunity to have multiple study abroad experiences and to engage deeply with global language and culture. Eagles Abroad Scholarship recipients earn an additional $3,000 for a year of study abroad and a free trip after the student’s freshman year. Juniata’s Top Scholars Awards range from $1,000 to $5,000 of additional scholarship dollars. If you have achieved both a 3.75 or higher GPA and SAT (ERW+M) scores of 1320 or better (ACT scores of 29 or better), notify your Juniata enrollment counselor that you would like to be considered for additional competitive scholarship opportunities. Apply by January 1 of your senior year. For Distinguished Scholar Awards, clearly indicate on your admission application that you have achieved some level of National Merit, National Hispanic, or National Achievement recognition. Apply by January 1 of your senior year. Finalists are awarded an additional $2,500 scholarship.

Why I Give By Eric Jenson ‘77


Action! When he’s on set, it’s hard to believe that Matt Gaynor is only a sophomore. He’s already fundraised, produced, and directed a film that won the Endeavor Award at the Depth of Field International Film Festival. “The fact that people are doing well here at Juniata is so inspiring to me,” Matt says. “I wouldn’t be able to go to Juniata without my scholarship.”

In life, there are a lot of things we do on faith. Becoming a parent is an act of faith. Investing is an act of faith. We take leaps of faith with the intention that there will be more good in the outcome of our investment than what we put in at the beginning of our journeys. I invest in Juniata because I know I’m helping to make a better future. At Juniata, our students contribute more because of the exceptional education they receive. Our graduates become the best teachers, scientists, and researchers because we provide student support beyond scholarships. Eric Jensen ’77 is a senior research fellow at Eli Lilly and Company. He also serves as a trustee to Juniata College, contributes to the College’s Annual Fund, has supported building projects including the new Kepple Integrated Media and Studio Art Building and the renovation of Founders Hall, and has created the Jensen Family Endowment, a fund that provides start-up funds for new faculty members in the physical and biological sciences at Juniata.

$32,293 e Averag ship, scholar d oan, an grant, l udy work st e. packag

Affording Juniata By Chris Chizmar, parent of Chelsea ’17

When my daughter, Chelsea, was looking for a college, we looked at many schools. When we visited Juniata and Chelsea sat in on a class, I knew she had made up her mind. The look on Chelsea’s face said it all and it didn’t take her long to say, “Mom, this is it.” I was overwhelmed, thinking we couldn’t afford Juniata, but, before the day was over, my husband and I were sitting in a breakout group with a representative from Juniata’s Financial Planning Office who told us about different loans and spelled out a variety of types of aid. Having the ability to talk one on one with an aid counselor brought me relief. Over the years, I have called Juniata’s Financial Aid Office many times and I feel so comfortable talking with the counselors there. They always explain things in a way I can understand. I never feel as if I’m bothering someone—I feel like we’re partners in the financial planning process. Now, Chelsea is a senior. She has received a tremendous education from Juniata and I know it is because she was supported right from the start of her college career. I felt it as well—contact Juniata and experience the sincerity of working with their counselors for yourself.


n addition to scholarships awarded to students based on their academic and cocurricular achievements, Juniata also offers

need-based aid for students. If this is your first experience in the college selection and financial planning process, we encourage you to use our net-price calculator. Whether you are the first in your family to go to college or have several family members attending in the same year, the net-price calculator can give you a general estimate of affordability. Families that complete the calculator and submit their results, with their contact information, will receive a personal follow-up that opens the door to further communications with the Office of Student Financial Planning.


The Free Application for Federal Student Aid

A variety of federal and state grants exist to help

(FAFSA) is the only form Juniata requires to begin

students and families. Federal grants include

the need-based award application process. It is used

Pell Grants and Federal Supplemental Education

to determine the amount of state, federal, and Juniata

Opportunity Grants (FSEOG), which is need-based

need-based grants. It is also used to determine levels

gift aid that does not have to be repaid. State grants

of self-help such as work study as well as subsidized

are awarded to students by the scholarship office of

and unsubsidized loans. (Subsidized and unsubsidized

the state in which the student resides. Some states

loans are defined in the glossary at the end of

have reciprocal agreements that allow state grants

this booklet).

or portions of a state grant to be applied to an

Tips about FAFSA:

out-of-state institution.

The FAFSA can be submitted as early as

Loans are also available. Federal Direct Loans

October 1 of your senior year. Visit www.

are funds that a student is required to repay after to begin the application process.

graduating from college. The Federal Plus loan can be

A FAFSA is required for each student. If

used by parents to help finance the family’s expected

there are multiple children in your family,

contribution. Private or alternative loans are loans

you must submit a separate FAFSA form

that a student or parent can borrow to help finance the

for each.

expected family contribution.

File for a Federal Student Aid ID (FSA ID) at Both student and a parent need an ID. The FSA ID is used to log into federal web portals and to electronically sign online documents.

Inquire at your high school about FAFSA Completion Nights. They will be in early fall this year.

Juniata College school code is 003279 for the FAFSA.

At Juniata, all students are eligible to work on campus. The student secures work through a real-world process of reviewing positions available and participating in an interview process. First-year students usually work an average of 10 hours per week. Sophomores, juniors, and seniors can work up to 17.5 hours per week.

QUESTIONS & ANSWERS How do I manage paying for a Juniata education? Juniata also offers enrollment in Tuition Management Systems (TMS). With no interest or finance charges, you can enroll to finance costs over 10 months through TMS. A nominal fee is charged to set up. The following are only a few scenarios of how a student can combine aid options to afford a Juniata education. The scenarios are based on a student receiving an award letter with an estimated family cost of $20,000.

Scenario 1 Net Cost of Education


Outside Scholarships


Net Cost of Education


Tuition Payment Plan $500 per month


Tuition Payment Plan $2,000 per month


Private Education Loan


Scenario 4

Scenario 3 Net Cost of Education

Scenario 2

Net Cost of Education


Outside Scholarships


Tuition Payment Plan $500 per month


Student Summer Wages



Outside Scholarships


Tuition Savings Plan


Tuition Payment Plan $1,300 per month


Parent PLUS Loan


We look forward to meeting with you. To discuss how you or your family can afford a top liberal arts education at Juniata, please contact our Financial Planning Office at 814-641-3142 or

2016-17 Tuition and Fees Tuition & Fees $42,170 Room and Board $11,590 Total $53,760

$35,774 Average student loan debt upon graduation.

Is there a guarantee of aid in future years? Yes. The Conditional Guarantee assures you that College-sponsored aid will remain unchanged for the student’s years of attendance. Because of this, you can plan and budget for each year with the expectation that College aid will continue. The following conditions must be met to maintain the provisions of the

Does Juniata require the submission of the College Board’s College Scholarships Service (CSS) Profile? No. The only required application for need-based aid is the Free Application for Federal Student Aid (FAFSA).

Our family knows we don’t qualify for needbased aid. Should I still complete the FAFSA? Some families are surprised to find out they qualify for need-based aid. Income is one of the factors used when determining eligibility for need-based aid. However, there are other factors such as household size and number in college. Also, students who plan to take advantage of the Federal Direct Loan or students whose parents plan to apply for the Parent Loan for Undergraduate Students (PLUS) loan, must first complete the FAFSA.

Conditional Guarantee: •

Students must meet acceptable standards of academic progress as defined in the College catalog.

Students must file the FAFSA by April 1.

Significant changes to family or financial circumstances may result in increases or decreases to financial need.

I don’t know if I’ve been accepted to Juniata College. Should I put Juniata’s school code on the FAFSA? Yes. You should list Juniata College on the FAFSA. It will speed up the financial aid process once you are accepted.

CONDITIONAL GUARANTEE corresponding commitment from


Juniata. The Conditional Guarantee

list of terms and definitions that may help make the

assures you that College-sponsored

process go smoothly.

s partners, our goal is to make this process

A student’s commitment to

as clear as possible. The first part is

attend Juniata is matched by a

aid will remain unchanged for

understanding the terms we use daily that

may not be commonplace for families. Below is a

COST OF ATTENDANCE: This is the combination of

your four years of attendance.

direct costs of attendance such as tuition and fees,

Because of this, you can plan and

room and board, and books and supplies, as well

budget for each year with the

as indirect costs such as transportation, personal

expectation that College aid will

expenses, or student disability-related expenses.

not be reduced. This means a stable family contribution each year with manageable payments. The following

EXPECTED FAMILY CONTRIBUTION: The amount that a family is expected to contribute towards the student’s cost of attendance.

conditions must be met to maintain EXTERNAL SCHOLARSHIPS: Scholarships that are

the provisions of the Conditional

received outside of the college. Juniata does not

Guarantee: 1.

reduce either need or merit-based aid when an external

Students must meet acceptable

scholarship is earned by a student. This means that the

standards of academic progress

value of the external scholarship is fully realized on the

as defined in the College catalog.

students’ award.

2. Students must file renewal for

FINANCIAL AID AWARD LETTER: The offer of financial aid prepared by the Office of Student Financial

aid by April 1. 3. Significant changes to family or financial circumstances may

Planning. The aid offer also includes the net cost of education for the family.

result in changes to financial assistance.

Common App Available

FAFSA Form Available

Aug 1

Oct 1

Admission Decision Notification Begins

Early Decision I Deadline

FAFSA Code: 003279 Oct 1

Nov 15


INTEREST RATE: The cost paid to borrow money. This

(FAFSA): The FAFSA is a required application for all

rate may be fixed or variable.

students who wish to apply for federal financial aid, as well as other aid such as state grants. To complete this

LENDER: An entity offering loans to students. It can be

form, go to

a private company or bank, the federal government, or an educational institution. It is always wise to talk with

GRACE PERIOD: A period of time after borrowers

your financial planning counselor to determine the best

graduate, leave school, or drop below half-time

source (comparing rates and fees) for your family.

enrollment when they are not required to make NEEDS ANALYSIS: The process of determining a

payments on certain student loans.

student’s financial need by analyzing the FAFSA information provided by the student and parent(s).

INDEPENDENT STUDENT: An independent student must meet any one of the following criteria as defined by the federal government: 24 years of age, married;

NEED-BLIND ADMISSIONS: Juniata makes admission

have status of a graduate or professional student,

and scholarship decisions without consideration of

have legal dependents other than a spouse and provide

family resources.

more than 50% of their financial support; be an orphan or ward of the court (or have been a ward of the court until age 18); or have veteran status. (DEPENDENT STUDENTS: A student who does not meet any of the criteria listed above for independent students. A dependent student must report his

SUBSIDIZED STAFFORD LOAN: Based on need, the government waives the interest that accrues while the student is in school. UNSUBSIDIZED STAFFORD LOANS: Not based on need, interest accrues (accumulates) while the student

or her parents’ income and assets on financial

is in school unless the student chooses to make

aid applications.)

quarterly interest-only payments.

INCOME: The amount of money received from any or all of the following: wages, interest, dividends, sales, or rental of property or services, business or farm profits, certain public assistance programs, disability, inheritance, gambling or contest winnings, retirement benefits, and other types of taxable income.

WORK STUDY/STUDENT EMPLOYMENT: Work study is an on campus job that may be funded federally or by the institution. Juniata estimates earnings of $1,500 per academic year which equals 10 to 12 hours of work per week.

Financial Aid Awarding Begins

Early Decision II Deadline

Regular Decision Deadline

Regular Decision Notification No Later Than

National Decision Day

Dec 1

Jan 1

Feb 15

Apr 1

May 1

Enrollment Center 1700 Moore Street Huntingdon, PA 16652

/JuniataAdmission /JuniataCollege @juniataenroll /instajuniatacollege

Juniata College Financial Planning Brochure  

Juniata College Financial Planning Brochure

Juniata College Financial Planning Brochure  

Juniata College Financial Planning Brochure