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Tuition and Payment Guide 2012-2013

Office of Student Financial Services www.emmanuel.edu


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Contents

Communication from the Office of Student Financial Services

Tuition & Fees Tuition & Fees Payment Due Dates Health Insurance Meal Plans Fenway Card MBTA Passes On-Campus Parking

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4 4 5 6 7 8 9

Payment Options Personal Check Wire Transfer Credit Card Interest-Free Monthly Payment Plan Parent Loans Private Student Loans Private Scholarships

10 10 11 11 12 13 14

Policies Financial Aid and Your Tuition Bill Student Employment Withdrawal Policy Tuition Insurance Refund Process Delinquent Accounts

15 16 18 19 19 20

2012-2013 Tuition and Payment Guide


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Office of Student Financial Services


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Communication from the Office of Student Financial Services All communication from the Office of Student Financial Services (OSFS) is addressed to you, the student. Most communication is sent to your Emmanuel e-mail address or through MySaints, the College’s internal online communication system. It is your responsibility to complete the financial aid process and ensure that your balance is paid in full. If your parents are assisting you with the financial aid or billing process, please share with them the information you receive from the OSFS.

Through MySaints, you will be able to access Online Academic Resources, where you can: • view your tuition bill • view your financial aid award • pay your tuition bill • register for classes • view your transcript • view your grades and more

2012-2013 Tuition and Payment Guide


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Tuition & Fees

Tuition & Fees Fall

Spring

Total

Tuition

$16,725

$16,725

$33,450

Room and Board (double)

$ 6,495

$ 6,495

$12,990

Student Activity Fee

$

100

$

100

$

200

Orientation Fee (one-time)

$

225

$

0

$

225

Total*

$23,545

$23,320

$46,865

Health Insurance (see page 5) $1,637

$

$ 1,637

Total with Insurance*

$23,320

$25,182

0

$ 48,502

*Course fees ranging from $55 to $100 may be charged for science labs and art studio courses. Please see the Academic Catalog for details.

Room and Board Most students are placed in a double or a triple room. The cost for a double is $12,990 and the cost of a triple is $10,490, both of which include the cost of a meal plan. For more information on meal plans, please see page 6. For more information about other room options, please visit the “Student Life� page of the Emmanuel website or contact Residence Life at 617-735-9746 or reslife@emmanuel.edu.

Payment Due Dates The fall semester balance is due on August 8, 2012. The spring semester balance is due on December 14, 2012.

Office of Student Financial Services


Tuition & Fees

Health Insurance The Commonwealth of Massachusetts requires all students enrolled at least three-quarters time to be enrolled in a health insurance plan. To ensure that you are meeting this requirement, you are automatically enrolled in the College’s health plan and are charged the annual health insurance premium of $1,637.

Waiving the College’s Health Insurance Students who have their own health insurance coverage and would like to waive enrollment in the College’s plan must complete the online health insurance waiver at www.universityhealthplans.com by August 8, 2012.

Students who do not complete the waiver form by August 8, 2012 will automatically be charged the premium, even if they have other coverage.

Enrolling in the College’s Health Insurance Students who do not have coverage are required to enroll in the College’s health insurance plan by completing the online enrollment form at www.universityhealthplans.com by August 8, 2012. Please note that these forms must be completed annually and are separate from the health immunization forms required by the Health Services Office.

Emmanuel College Health Insurance Provider For detailed information regarding the coverage provided by the College’s health plan and to purchase dental or vision insurance, please visit the University Health Plans website at www.universityhealthplans.com.

2012-2013 Tuition and Payment Guide

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Tuition & Fees

Meal Plans We are proud to offer a number of great on-campus dining service options catered by Bon Appétit: • Marian Hall Dining Room, our main dining facility, offers an all-you-can-eat-buffet with a wide food assortment rotating on a daily basis. • The Atrium Café and Muddy River Café offer express meals convenient for those looking for a quick meal.

Resident Students All resident students are required to have a meal plan, which is included in the cost of room and board. Resident students begin each year with 15 meals per week and $95 in “flex dollars” per semester that can be used in the Atrium Café and Muddy River Café. Students have the option of changing this plan to 19 meals per week with $25 in flex dollars per semester at no cost by contacting Bon Appétit at 617-735-9952.

Commuter Students Commuter students have the option of purchasing one of two meal plans: Commuter Meal Plan

Cost per Semester

5 meals per week

$485

8 meals per week

$775

To purchase a commuter meal plan, please contact the OSFS at financialservices@emmanuel.edu or call 617-735-9938. Students wishing to purchase a commuter meal plan must do so each semester. Commuter meal plans are non-refundable. Please consider how often you will use the meal plan prior to purchasing a meal plan.

Office of Student Financial Services


Tuition & Fees

Fenway Card The Fenway Card is your official identification at Emmanuel College. You should carry the card at all times while on campus. The Fenway Card is used to: • access campus buildings, including the library and residence halls. • provide access to your meal plan, flex dollars and Fenway Cash.

Flex Dollars Resident students begin each semester with $95 flex dollars (or $25 if they choose to change their meal plan). Flex dollars may only be used on campus at the Atrium Café or Muddy River Café.

Fenway Cash You or your parents may choose to add money, “Fenway Cash,” to your Fenway Card. Fenway Cash offers you a safe and convenient way to make purchases on and around campus. You can use your Fenway Cash at: • the Emmanuel College bookstore and all Colleges of the Fenway bookstores • dining halls • vending machines • laundry machines • over 80 popular off-campus locations around the Fenway, Back Bay, Cambridge and Newton neighborhoods Fenway Cash can also be used to purchase ID replacements. Please visit www.fenwaycard.com for more information regarding the Fenway Card.

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Tuition & Fees

MBTA Passes As an Emmanuel College student, you receive an 11% discount and unlimited rides when you purchase a semester Massachusetts Bay Transit Authority (MBTA) pass. Semester

Months Covered

Enrollment Form Due

Fall

October 1 - January 31

September 4, 2012

Spring

February 1 - May 31

Early January*

*Please visit the Emmanuel website in the fall for the Spring MBTA enrollment form deadline. Fee information is included on the MBTA Enrollment Form available on our website and MySaints. Visit www.emmanuel.edu and click on “Tuition & Aid.” From here, you will select “Forms & Publications.” For information regarding MBTA routes and schedules, please visit the MBTA website at www.mbta.com.

The MBTA discount is offered by the MBTA and is not administered by Emmanuel College. We encourage you to evaluate how often you will use the MBTA prior to purchasing the semester pass. The MBTA does not offer refunds.

Office of Student Financial Services


Tuition & Fees

On-Campus Parking Parking at the College is extremely limited. Only commuter students without access to public transportation will be considered. To be considered for on-campus parking, you must submit a parking application, available in the Office of the Vice President of Student Affairs. Students approved for parking will be notified by the Office of the Vice President and their pass will be available in the Office of Student Financial Services once your account is paid in full. Applications must be submitted each semester. Enrollment Status

Cost per semester

Part-Time Student

$225

Full-Time Student

$375

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Payment Options

Personal Check Online check payments (ACH) may be made online via Online Academic Resources (mysaints.emmanuel.edu) using your student login or online at www.afford.com/emmanuel (student login not required). There is no fee for paying online with a check. Checks may also be mailed to: Emmanuel College Office of Student Financial Services 400 The Fenway Boston, MA 02115 A $25 fee (in addition to any late payment fee) will be charged for any dishonored check. Foreign check collection fees will be charged when applicable.

Wire Transfer Please send wire transfers to: TD Bank 15 Broad Street Boston, MA 02109 Account Name: Emmanuel College Account Number: 8246095017 ABA Number: 031101266 (for wire transfers) ABA Number: 211370545 (for ACH transfers)

When mailing or wiring a payment, please include your name and Emmanuel College Student ID number or Social Security number.

Office of Student Financial Services


Payment Options

Credit Card Credit card (American Express, Discover and MasterCard) payments can be made online via Online Academic Resources (mysaints.emmanuel.edu) using your student login or online at www.afford.com/emmanuel (student login not required). A 2.99% convenience fee is charged for credit card or debit card payments.

Interest-Free Monthly Payment Plan Emmanuel College offers a monthly interest-free payment plan through Tuition Management Systems, Inc. (TMS). The plan offers families the opportunity to spread payments for the academic year over a 10-month period. Tuition Management Systems Enrollment Fee

$65 for a 10-month plan $50 for a 5-month plan

Payment Plan Periods

Due on the 15th of each month

Fall Semester

July through November

Spring Semester

December through April

Enroll Online

www.afford.com/emmanuel

Phone Number

1-800-722-4867

Educational Tax Benefits Educational tax credits can help offset the cost of education. There are a variety of tax incentives for families who are saving for, or already paying, higher education costs, or are repaying student loans. We encourage you to research these tax credits when filing your 2012 taxes. For more information, please visit www.irs.gov.

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Payment Options

Parent Loans If your parent will be the primary borrower, the parent may want to consider one of the loans below. These parent loans offer fixed interest rates and the option to defer repayment while you are enrolled at least half-time. Federal Direct Parent PLUS Loan Apply Online

www.studentloans.gov

Paper application is available online at www.emmanuel.edu (in the “Forms & Publications” section of “Tuition & Aid”) or by calling our office at 617-735-9938. Note: If your parent is denied the Parent PLUS Loan, the parent may appeal the decision and apply with an endorser or the student may be eligible to borrow additional Direct Unsubsidized Stafford Loan funds. The Parent PLUS Loan is based on credit; income is not considered. Massachusetts Educational Financing Authority (MEFA) Undergraduate Loan Apply Online

www.mefa.org

Phone Number

1-800-449-6332

In addition to the loans referenced in this guide, there are many other loans available. We encourage all borrowers to do their own research and select the lender that is best for them. For more detailed information regarding payment options, or to apply, please visit www.afford.com/emmanuel. *This information is accurate at the time of printing; please contact the lender directly at the time of application to verify loan rates and terms.

Office of Student Financial Services


Payment Options

Private Student Loans The private student loans listed below may require a co-signer and may have the option of deferring payments during enrollment. Some factors to consider when choosing a lender include interest rate, fees, co-signer release option and repayment period. Please visit the lender’s website for more information. MEFA Student Alternative Loan Apply Online

www.mefa.org

Phone Number

1-800-449-6332

CitiAssist Loan Apply Online

www.studentloan.com

Phone Number

1-800-788-3368

Citizens TruFit Loan Apply Online

www.citizensbank.com/edu

Phone Number

1-800-708-6684

Wells Fargo Collegiate Loan Apply Online

www.wellsfargo.com/student

Phone Number

1-800-658-3567

Start the loan process weeks prior to the semester bill due date to facilitate the process and avoid late fees. Loans may take weeks to process and only reflect on your account after final approval has been received from the lender. If you plan on borrowing a loan, we strongly recommend you apply for the entire year, instead of applying each semester.

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Payment Options

Private Scholarships Scholarships are a great source of free money and help reduce the total cost of financing your education. If you receive a private scholarship and wish to use this as payment toward your account, please: • make sure you understand and fulfill the requirements for the receipt of your scholarship funds. • submit a copy of the scholarship check and/or award notification to the OSFS. • clearly notate the name of the scholarship, your name and student ID number with the check and/or award notifications.

If you notify the OSFS of the receipt of a scholarship and we do not receive the funds, you will be responsible for any resulting balance.

Applying for Private Scholarships It is never too late to start the scholarship search. Here are some scholarship search engines we recommend: • www.collegeboard.com • www.communityfoundation.org • www.fastweb.com • www.finaid.org • www.hsf.net • www.petersons.com • www.princetonreview.com • www.scholarships.com • www.studentaid.ed.gov • www.uncf.org

Office of Student Financial Services


Policies

Financial Aid and Your Tuition Bill Most forms of financial aid are applied toward your charges and will appear as a credit on your bill. Please note the following:

Estimated Financial Award Letters Estimated financial aid offers are not usable toward the bill; only awards that are verified can be applied to your charges. If you received an estimated financial aid award letter and there is no financial aid appearing on your bill, please check Online Academic Resources via MySaints to view missing information or contact the OSFS.

Federal Work-Study Federal Work-Study is an offer to seek employment and is not subtracted from your bill. You will be paid for hours worked. Please refer to the Student Employment section on page 16 for more information.

Student Loan Requirements If you wish to borrow a student loan that was included as part of your financial aid award letter, the loan promissory note and a student loan entrance interview are required before the loan may be credited on your account. For further instructions on how to complete the student loan requirements, please: • visit www.emmanuel.edu • click on “Tuition & Aid” • select “Scholarships & Financial Aid” • click on the loan you will be borrowing under the “Loans & Student Employment” section and • follow the instructions on the page accordingly

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Policies

Student Employment A variety of on- and off-campus job opportunities are available to Emmanuel students who are interested in working. On-campus jobs are available in academic departments, the residence halls and in administrative offices. Also, our desirable Boston location affords students the opportunity to seek employment within a short walk from campus. All students are eligible to apply for on-campus jobs, regardless of whether you are awarded Federal Work-Study. However, the College has a number of partnerships with off-campus organizations that provide employment opportunities to students; these opportunities are limited to students who are awarded Federal Work-Study.

Applying for Jobs You may search for on- and off-campus employment opportunities on the Emmanuel College Career Connect (EC3), which may be accessed through MySaints. After creating a login, list “Emmanuel College� as the employer to view available on-campus positions. You can apply for jobs directly with the supervisor listed on the job posting. Student employment positions are posted beginning in the summer and are updated throughout the year.

Student employment is not guaranteed and students who are awarded Federal Work-Study are not required to work. Because on-campus jobs are limited, if you are interested in working on campus, you should visit EC3 and apply for jobs as soon as possible.

For information concerning nearby off-campus employment and internship opportunities, you are encouraged to contact the Office of Internships & Career Development at 617-735-9930 or careerdevelopment@emmanuel.edu.

Office of Student Financial Services


Policies

Employment Paperwork To work on or off campus, you must complete employment paperwork including the I-9 Employment Authorization Form and the W-4 and M-4 tax withholding forms. If you are interested in working, you should have the following paperwork with you when you arrive in September: • a voided check for checking accounts or verification statement including a routing and account number for savings accounts • valid identification, such as a U.S. passport OR a driver’s license AND Social Security card. Please bring originals; we are unable to accept copies.

Paychecks Students who choose to work will have their paycheck directly deposited into their bank account every two weeks for hours worked. Please note, the first paycheck will be a paper paycheck sent to the student’s campus mailbox. Since students are paid for hours worked, earnings from student employment cannot be deducted from your bill.

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Policies

Withdrawal Policy Withdrawal from a Course Course schedule changes must be made during the semester’s add/drop period to receive a refund. After the add/drop period, you are liable for the cost of courses from which you withdraw. Before financial aid is disbursed, your enrollment and housing status are confirmed after each semester’s add/drop period. Your aid may be adjusted if your enrollment and/or your housing status changed from what was originally reported.

Withdrawal from the College After the start of classes, fees are not refundable, and tuition, room and board are refunded based on the policy below. To officially withdraw from the College, you must contact your Academic Advisor or the Registrar’s Office. Non-attendance does not constitute an official withdrawal. Withdrawal Date

% of Refundable Tuition, Room & Board Charges

Prior to start of class

100%

Week 1

75%

Week 2

50%

Week 3

25%

After Week 3

No Refund

Financial Aid When withdrawing from the College prior to the 10th week of the semester, federal aid eligibility is determined using the Return of Title IV funds calculation below: Number of days attended Number of days in semester

x

Title IV Financial Aid

=

Aid student may retain

There is no correlation between the College’s Withdrawal Policy and the Return of Title IV regulation.

Office of Student Financial Services


Policies

Tuition Insurance Tuition insurance is available through Sallie Mae Insurance Services to help protect your investment if the student is unable to complete classes for the academic term due to physical or mental illness, injury or death. Students have the option of purchasing varying amounts of tuition insurance based on the needs of the student and family. Participation in the tuition insurance is optional and is not administered by Emmanuel College. The College’s withdrawal policy (please see page 18 for more information) is applicable whether or not you enroll in the tuition insurance plan. If you have questions regarding the plan or would like to apply, please contact Sallie Mae Insurance Services at 877-445-0264 or visit www.salliemaeinsurance.com/emmanuel.

Refund Process If you have a credit on your account after paying your bill, you may reduce your loan amount or have the credit applied toward your next semester balance. You may also request a refund through Online Academic Resources via MySaints, on the Emmanuel website, or in our office. Students who request their refund through Online Academic Resources may request to have the funds directly deposited into their bank account. Because financial aid is disbursed after the add/drop period, most refunds are not available until mid-October for the fall semester and late February for the spring semester.

Students who borrowed loan funds to pay for books or housing should be prepared to purchase books and pay rent for September and October in the fall semester and January and February in the spring semester.

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Policies

Delinquent Accounts The payment of tuition and fees is your responsibility. Your account may be charged a $100 late fee if your balance is not resolved by the bill due date. In addition to being charged a late fee, if payment is not received in a timely manner: • your account will become delinquent and a financial hold will be placed on your account. • you will be unable to participate in course registration, room selection or graduation. • the College will withhold your diploma and academic transcript. • your account will be referred to a collection agency and you will be responsible for the costs incurred with the collection effort. Once an account is referred to an outside agency, all inquiries and payments are made to the collection agency.

It is your responsibility to be aware of your balance and resolve any outstanding balances. The OSFS is available to assist you with this process. We may be reached at 617-735-9938 or financialservices@emmanuel.edu.

Office of Student Financial Services


Important Dates No later than Fall Semester Enroll in payment plan (if applicable)

July 15, 2012

Apply for educational loan (if applicable)

July 15, 2012

Fall 2012 semester bill payment due

August 8, 2012

Complete Online Health Insurance Waiver or Enrollment Form

August 8, 2012

Fall MBTA Pass Application deadline

September 4, 2012

Spring Semester Spring 2013 semester bill payment due

December 14, 2012

First spring TMS payment due (if applicable)

December 15, 2012

Complete Online Health Insurance Waiver or Enrollment Form (only for students not enrolled in the fall)

January 9, 2013

Priority Filing Date for Financial Aid for 2013-2014

March 1, 2013


Emmanuel College, founded by the Sisters of Notre Dame de Namur in 1919, is a coed, residential, Catholic liberal arts and sciences college located in the city of Boston. Its beautiful 17-acre campus is neighbored by a world-class medical center, two major art museums and Fenway Park. Its unique location gives students the opportunity to explore real-world experiences through internships, research and strategic partnerships within the Longwood Medical and Academic Area and the city of Boston.

Emmanuel at-a-Glance Undergraduate and graduate students: 2,500 Traditional undergraduates: • Enrollment: 1,800 • 94% of first-year students live on campus • Nearly 90% of students participate in an internship • 80% participate in community service • Average class size of 20 • 35 countries and 33 states and territories represented on campus • 96 full-time faculty The College is a founding member of the Colleges of the Fenway consortium, comprised of six neighboring colleges that jointly offer 2,500 courses. Accredited by the New England Association of Schools and Colleges, Inc.

Office of Student Financial Services 400 The Fenway Boston, MA 02115 617-735-9938 617-735-9939 (fax) financialservices@emmanuel.edu www.emmanuel.edu


2012-13 Tuition & Payment Guide