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FINANCIAL AID AFFOR DIN G INTERNET RESOURCES ’S 100+ COLLEGES AND UNIVERSITIES COLLE GE 2016 EDITION

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For students entering college in the 2016-2017 academic year Financial Aid Process will change for students entering in 2017-2018 Choosing where to go to college is an by calling 1.888.NYSHESC. HESC is the state important decision! When you consider which agency that processes the TAP application. Step 3 colleges to apply to, never let “sticker price” stop The ETA will be pre-filled with information You will receive your Federal Student Aid you from looking at colleges that may be right from your FAFSA. If you provide your email Report (SAR) via email after submitting your for you. Colleges want you to attend and will help address on your FAFSA, HESC will be able to students pay for college with grants, scholarships FAFSA online (recommended). Review your and other aid money, making private colleges process your TAP application faster. If no email SAR’s information carefully. Follow the often no more expensive – and sometimes less is provided, you will be notified by letter. directions to correct any errors. costly – than state colleges. If you need financial ᔢ CSS PROFILE® – Some colleges may ask you aid to help meet college costs, you are very likely to file the CSS Financial Aid PROFILE® form to receive it. to be considered for college-funded aid (the Step 4 Read on to learn about paying for your college’s own grants and scholarships). Visit In the spring (usually March or April), you college education. https://student.collegeboard.org/content/ will receive financial aid “award letters” or css-financial-aid-profile. There is a fee for “packages” from the colleges that have filing this form. offered you admission, each with a different combination of grants, scholarships, work- Step 1 ᔢ College-specific financial aid applicatio n – Check with each college’s financial aid office Some colleges may ask you to complete study and loans to help you meet your or website to determine which forms you need the college’s own financial aid application college expenses. Determine your “net cost” to file to be considered for all types of financial to be considered for their college-funded by subtracting from the tuition, fees, room aid. Every college is different. If you intend to grants, scholarships and loans. Check with and board (if you are living on campus) all file your Free Application for Federal Student each college for applications, requirements grants, scholarships and the total amount Aid (FAFSA) online (it’s quicker), you and your and deadlines. of your student loans. parent(s) (if you are a dependent student) must obtain an FSA ID, which is a username and Step 5 password that allow you to log in to complete Step 2 the FAFSA online.* For more information, visit Review your financial aid award letters and https://fsaid.ed.gov. Don’t wait to be accepted Submit the FAFSA as soon as possible after compare your net costs. Decide which college to a college before filing an application for January 1 (of your senior year in high school) to attend and let the college know by the financial aid. File as early as possible. to ensure that you are considered for all deadline they have indicated – usually by available funding. If your family hasn’t yet May 1. Then, review your financial aid with The most important financial aid application completed their income tax returns, then your chosen college. In particular: forms are: estimate your family’s income as accurately as ᔢ If federal student loans are part of your FAFSA (Free Application for Federal ᔢ possible (from end-of-year pay stubs or W-2 package, the college will send instructions Student Aid) – Everyone applying for forms). You’ll have the opportunity to make about the loan application process. You federal and most other financial aid must corrections later in the process. If you are a NYS will need to complete and sign a form complete this free form. File online at resident applying to colleges in the state, called the Master Promissory Note (MPN) https://fafsa.ed.gov or by mail. To request make sure you include a New York college on and Entrance Counseling session on a paper FAFSA, call 1.800.4.FED.AID. your FAFSA to begin the application for a NYS www.studentloans.gov in order to receive ᔢ NYS TAP Application – NYS residents TAP grant. Complete any other financial aid federal student loans (e.g., Direct Loan attending a college in NYS use this free form forms required by the colleges. It is very funds). Keep track of how much you are with the FAFSA to apply for a NYS TAP grant important to meet all deadlines and to keep borrowing and your loans’ repayment terms and to request payment of NYS scholarship a copy of all the forms you file. and conditions. awards. Complete the online TAP application By filing the FAFSA, you will be considered for: ᔢ NYS students attending college in the by linking to it directly from your FAFSA ᔢ Grants and scholarships from private state: Follow up on your NYS Tuition Confirmation Page. Even if you use a paper colleges and universities (some colleges may Assistance Program (TAP) grant. Visit FAFSA, you can still complete your TAP require an additional form) www.hesc.ny.gov to review and correct the application online. You will be prompted to data on your TAP application if necessary. get a HescPIN (username and Personal ᔢ Federal Pell Grant Identification Number) to “sign” your online ᔢ Federal Supplemental Educational TAP application. If you don’t apply for TAP Opportunity Grant (FSEOG) Step 6 online, you can request an Express TAP ᔢ Federal Work-Study (FWS) Make sure you know what you need to do Application (ETA) by contacting the New to keep your financial aid, such as required York State Higher Education Services ᔢ Job programs from private colleges and grades and coursework. And, you must Corporation (HESC) at www.hesc.ny.gov or universities † apply to renew your financial aid each ᔢ Federal Perkins Loan year – on time – or risk losing it! Check your * In spring 2015, the login process changed. If you already had a PIN, you will be instructed on how ᔢ Federal Direct Loan college’s deadli nes. to create a username and password for the new 2 login system. † See Perkins note, page 8. For students entering college in 2016-2017 Process will change for students entering in 2017-2018 Applying for Financial Aid Important Facts about the Expected File the FAFSA Family Contribution (EFC) Complete and submit the Free Application ᔢ For federal financial aid, your EFC is for Federal Student Aid (FAFSA) as soon as calculated in the same way at each college possible after January 1. If your family has and should not change regardless of the not yet completed their income tax returns, price of the college you choose. then estimate your family’s income as ᔢ The Parent Contribution for federal financial accurately as possible. You will be able to aid is calculated using a national formula make corrections later in the process. that considers income, taxes paid, family Some colleges may ask you to complete the size, savings, certain assets, number of CSS PROFILE® or the college’s own financial aid children in college and the age of parent(s). Always apply for aid application to be considered for their college- ᔢ The EFC figure may be pushed higher or Even if you think you’re not eligible for aid funded grants, scholarships and loans. lower with variations in other factors (for or did not receive ai d for a prior year, apply. Complete the CSS PROFILE® online and/or example, if just one parent works, the age Financial aid programs and family situations obtain the forms from the colleges, and be of the older parent, your family size). can change. Don’t limit your choices now sure to meet the filing deadlines. ᔢ The Parent Contribution is roughly divided or in the future. When you file the FAFSA, you will be by the number of children attending considered for: college at least half-time. Nearly 9 out of every 10 students receive ᔢ Grants and scholarships from private ᔢ Colleges may consider special financial financial assistance to attend college. colleges and universities (some colleges hardships. Document extraordinary may require an additional form) circumstances that affect your family’s Each year, New York’s independent ᔢ Federal Pell Grant ability to contribute and submit a written colleges and universities award students ᔢ Federal Supplemental Educational explanation directly to the financial aid office. more than $4.8 billion in institutional Opportunity Grant (FSEOG) grants and scholarships. ᔢ Federal Work-Study (FWS) ᔢ Job programs from private colleges and universities Sample Expected Family Contribution (EFC) for College Costs ᔢ Federal Perkins Loan † Calculated from the FAFSA ᔢ Federal Direct Loan Net worth The information you supply on your FAFSA is (assets minus what is owed analyzed using a federal formula, established against these assets; home Up to $43,900 $80,000 equity is not considered) by Congress, to assess your family’s financial situation. The analysis considers your family’s Family size 45 45 income and assets (about 5.6 percent), many (both parents working) expenses, the size of the family and parents’ Number in college 11 11 need to save for education and retirement. In Total income addition to establishing your eligibility for the before taxes EFC EFC EFC EFC programs bulleted above, the results of the analysis will estimate how much you (Student Contribution) and your parent(s) (Parent $0 - $25,000 $0 $0 $0 $0 Contribution) can reasonably contribute $30,000 $0 $0 $0 $0 toward college costs for the year, no matter $40,000 $748 $0 $1,701 $719 the cost of college. This is known as the $50,000 $2,344 $1,403 $3,297 $2,356 Expected Family Contribution (EFC). $60,000 $3,926 $2,930 $5,098 $3,942 $70,000 $5,894 $4,615 $7,436 $5,916 The federal formula used to determine your $80,000 $8,477 $6,801 $10,496 $8,503 EFC is complex. As every family is unique, $90,000 $11,720 $9,714 $13,756 $11,750 use the chart at right as a general guide. $100,000 $14,979 $12,973 $17,015 $15,009 The colleges you list on your FAFSA will receive $110,000 $17,861 $16,041 $19,897 $18,077 your EFC analysis and put together a “financial $120,000 $20,651 $18,831 $22,687 $20,867 aid package” to help you meet your financial need. See pages 4-5 for more about financial Based on 2015-2016 federal methodology; parent age 45; two parents working. need and financial aid packages. NOTE: EFC is lower if family size is larger, if number in college is greater (with two in college roughly half the EFC per child), if two parents are working, or if parent is older than 45 years of age. 3 Your College Aid Package Your bill from the college you choose to Financial Aid Packages attend will include the direct costs of tuition, Private colleges with traditional deadlines mandatory fees, housing and a meal plan will begin notifying students of financial aid (if applicable). The other costs in the COA, packages/awards in the spring. Every financial the estimated indirect costs associated with aid award letter will be different. Upon attending the college for the academic year receiving your packages/awards from the (travel, books, and personal expenses), you colleges to which you were admitted, evaluate will pay as needed. Be sure to include these them carefully, assess the direct and indirect estimates in your college comparisons. costs associated with attending each college, choose the college you will attend, and accept What is Financial Need? its offer by the stated deadline. If you don’t, Financial need is the difference between a then you may lose it. Notify all the colleges to college’s annual COA and your expected which you applied of your final decision. Building a financial family contribution (EFC). As every family aid package is different, each family will have their own Since 1974, New York’s Tuition EFC (see page 3), and each college will Assistance Program (TAP) has provided calculate a unique package for every When the colleges you listed on your student. And, since college costs vary, the grants to New Yorkers studying full time FAFSA receive your EFC (Expected Family packages you receive from the colleges that in an undergraduate program at a Contribution), each college will build a accept you for admission may be different. financial aid “package” or “award” for you. college or university in the state helping Each college’s financial aid package will be $ Annual College Cost more than 5 million students achieve a composed of different types of financial aid to help you cover all or part of the college’s of Attendance (COA) college education. Today, TAP helps cost of attendance (tuition, fees, room and – $ Your Family’s Expected more than 310,000 moderate income board, books, transportation, and personal expenses). The financial aid packages you Contribution (EFC) students meet college expenses. receive will depend primarily on your calculated financial need (see explanation =$ Your Financial Need below) and the availability of funds at each college. Remember, every college is Families in the sample packages on the next Questions to ask different. Your academic profile and other page have one child in college. If, however, achievements may influence the size and your family has two children in college the college composition of any merit-based aid in your rather than one, then your calculated EFC Which forms are required to be package. Colleges have very little flexibility will be divided roughly in half between the ᔢ in awarding need-based aid. two children. Remember that for federal aid, considered for all forms of aid? the EFC is calculated in the same way and ᔢ What are your requirements for What is Cost of Attendance (COA)? will not change regardless of the college’s merit aid? For need-based aid? A college’s published Cost of Attendance cost. The EFC figure may be pushed higher or lower with variations in other factors (for ᔢ What are the aid renewal (COA) or Annual College Cost is the cost to requirements? attend the college for an academic year. example, if just one parent works, the age of The COA is the sum of the following direct the older parent, the size of your family). ᔢ What are the financial aid and indirect costs: In addition to the EFC, other variables may application deadlines? Direct Costs come into play in the composition of a ᔢ Are there state aid programs college’s financial aid package such as: ᔢ tuition I should know about? ᔢ the amount of money available for aid at ᔢ mandatory fees, such as an activities fee When will you notify me of the college – some colleges have greater ᔢ and any mandatory insurance resources than others; my aid eligibility? ᔢ room and board, if living on campus ᔢ a student’s special talent or academic ᔢ How will outside scholarships Indirect Costs ability – some colleges will award students affect my financial aid package? ᔢ estimate for books merit-based aid for special strengths or ᔢ Are there special requirements talents; ᔢ estimate for transportation (i.e., GPA) for keeping my grant/ grants or scholarships from other sources estimate for personal expenses ᔢ ᔢ (e.g., state grants or scholarships, scholarship? private scholarships or awards). ᔢ Do you have a monthly 4 payment plan? Elements of a college Sample financial aid packages financial aid package Below are examples of financial aid packages from four colleges for four different families. You will notice that each financial aid package contains different amounts of aid. The amount 1. Consideration of a Family’s Unique of aid awarded in a financial aid package will vary based on a family’s EFC, federal and state Information aid funding levels, and the resources available at each college. Analysis of the data supplied on the student’s FAFSA results in an Expected Family Every package, however, typically includes most of these components: grants and/or Contribution (EFC) – a calculated estimation scholarships from the college, from the federal government, and from the state; federal of the amount the family can reasonably work-study; student loans; and other aid. Refer to the elements of a college financial aid contribute toward college costs. Income is package at left for explanations of the elements in these packages. just one of several variables considered in the federal formula (see page 3 for more). 2. The Family’s Contribution (EFC) FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA) $40,000 2a . The calculated EFC determined from the Estimated Family Contribution (EFC) - 0 family’s unique FAFSA data, plus Family of 4, 1 in college Family’s Need 40,000 +2b. A minimum Student Contribution from NYS Resident Institutional Grant/Scholarship 23,560 the student’s summer earnings, savings, etc. (this will be specific to each college). Federal Grant (Pell and/or FSEOG) 5,775 Family Adjusted Gross Income (AGI) NYS TAP Grant* 5,165 3. The College’s Cost $20,000 Work-Study 2,000 The annual Cost of Attendance (COA) includes Federal Loans 3,500 cost of tuition, estimated fees such as an activities fee and any mandatory insurance, Total Financial Aid Package $40,000 room and board, an estimate for books, transportation, and personal expenses. FRESHMAN LIVING AT HOME Cost of Attendance (COA) $15,000 (COMMUTER) Estimated Family Contribution (EFC) - 748 4. Putting a Package Together: Family’s Family’s Need 14,252 Need for Aid 4,204 The college subtracts the family’s EFC from Family of 4, 1 in college Institutional Grant/Scholarship the COA and arrives at the family’s need NYS Resident Federal Grant (Pell and/or FSEOG) 5,025 (COA – EFC = Family’s Need) for federal NYS TAP Grant* 4,023 financial aid programs, some state programs, Family Adjusted Gross Income (AGI) Work-Study 1,000 and in some cases, for the college’s own aid. $40,000 Federal Loans 0 Note: Colleges that request another financial aid form in Total Financial Aid Package $14,252 addition to the FAFSA do so to look more closely at the family’s financial situation before awarding FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA) $50,000 institutional aid (aid from the college itself). Estimated Family Contribution (EFC) - 3,926 5. Family’s Financial Aid Package from Family of 4, 1 in college Family’s Need 46,074 the College NYS Resident Institutional Grant/Scholarship 37,126 Each college’s financial aid package may Federal Grant (Pell and/or FSEOG) 1,825 include all or some of the types of aid below. Family Adjusted Gross Income (AGI) NYS TAP Grant* 1,623 See pages 6-10 for more information about $60,000 Work-Study 2,000 these programs . Federal Loans 3,500 a. Grant or Scholarship from the private Total Financial Aid Package $46,074 college or university (page 6) b. NYS TAP Grant* (page 7) FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA) $35,000 c. Federal Pell & FSEOG Grant (pages 6-7) Estimated Family Contribution (EFC) - 8,503 d. Federal Work-Study (page 8) Family of 5, 1 in college Family’s Need 26,497 e. Federal Direct & Perkins Loans (page 8) NYS Resident Institutional Grant/Scholarship 20,497 Total Financial Aid Package: Depending on Federal Grant (Pell and/or FSEOG) 0 the college and the amount available for Family Adjusted Gross Income (AGI) NYS TAP Grant* 500 grants or scholarships from the college’s own $80,000 Work-Study 2,000 funds, the total financial aid package may Federal Loans 3,500 cover all of the family’s need or may leave an Total Financial Aid Package $26,497 amount not met by the aid programs listed above, called “unmet need .” If this occurs, there are other alternatives. Note: Other state, federal or private grants, scholarships or loans may be available but are not *Program for New York State residents. reflected in the sample packages. † See Perkins note, page 8. 5 Major Sources of Aid Financial Aid Programs

Grants and Scholarships ᔢ Eligibility for Pell is based on financial need Grants and Scholarships from NYS determined by total income, net worth Private Colleges and Universities = (excluding home and family farm equity), $4.8 billion ᗄ family size and the number of children in college. To apply, you must file the FAFSA. ᔢ Aid from a college may range up to $60,000 and sometimes more per year, Federal Supplemental Educational covering part or all of your tuition, fees Opportunity Grants (FSEOG) and related costs. Eligibility is determined ᔢ Funded jointly by the federal government primarily by financial need as calculated and the colleges, FSEOG awards range from from the financial aid forms you $100 up to $4,000 per year to full- or part- completed (need-based awards). Colleges time enrolled undergraduate students with may also take into account academic financial need who are Pell Grant recipients According to the U.S. Bureau of achievement, or talent in athletics, music with the lowest EFCs. Colleges select Labor Statistics, in 2014, bachelor’s or other fields (merit awards). recipients and determine award amounts ᔢ To be considered for grants and based on the FSEOG funds available at their degree recipients age 25 and over scholarships from many private colleges college. To apply, you must file the FAFSA. earned 65% more a week than and universities, you will be asked to file NYS Achievement and Investment in the FAFSA. An additional college-specific Merit Scholarship (NY-AIMS) those with a high school diploma. financial aid application and/or the CSS Source: Bureau of Labor Statistics, PROFILE® may also be required. Check ᔢ Awards up to $500 to 5,000 students www.bls.gov/emp/ep_chart_001.htm. Accessed with each financial aid office to determine each year for not more than four years of August 18, 2015. which forms you need to complete to be undergraduate study, or five years in certain considered for all need-based and merit- programs. Grants and Scholarships are funds based aid. See pages 12-15 for college ᔢ Eligibility for NY-AIMS: be a U.S. citizen or you do not have to repay. They are contact information. File the FAFSA as eligible non-citizen; graduate from a New York available from colleges, your state, the soon as possible after January 1. File all State high school in 2015 or later; reside in NYS federal government, professional and other financial aid forms by their specified for 12 continuous months; be enrolled full- service organizations, private foundations deadlines. time in an eligible NYS college or university; and some employers. Some grants are Federal Pell Grants at NYS Private Colleges meet two of the following: graduate with a based on your financial need while others and Universities = $472 million ᗄ GPA of 3.3 or greater; graduate “with honors” are awarded for academic merit, a on a New York State Regents diploma or specific career goal, special talent or ᔢ Pell Grants are awarded to undergraduate achieve a score of 3 or higher on two group affiliation. students enrolled full or part time in a Advanced Placement exams, or; graduate degree or approved certificate program. In within the top 15% of high school class. Work-Study Programs provide 2015-2016, Pell Grant awards range up to opportunities to earn money while you $5,775 per year. (See chart on page 7.) ᔢ For more information: www.hesc.ny.gov are in college by working part time (search “AIMS”) on campus or in the community. Educational Loans for college costs may be made to you and/or your parents. Tuition Assistance Program (TAP), Pell, and Institutional This aid must be repaid, usually with Grants at Private Colleges and Universities in New York interest. Some loans are based on financial need. Federal education loan $5.0 $4.8 billion ᗄ Sources: National programs most often provide the lowest Center for Education interest rates. These include: Federal $4.0 Statistics; Higher Direct Loans and Federal PLUS Loans. Institutional Grants Education Services ) s

r Corp. Annual Reports; a

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Alternatives for Parents and Students $3.0 f Independent Colleges o

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( $2.0 tuition tax deductions and credits.

$1.0 † See Perkins note, page 8. $472 million $231 million $0 6 1980 1990 2000 2014 Federal Pell Grant Program Awards 2015-2016 (2015-2016 federal methodology; award amounts based on 2015-2016 schedule)

A family of 4 A family of 5 A family of 4 A family of 5 one wage earner one wage earner two wage earners two wage earners Number in college 12 1 2 12 1 2 Parent $0 - 25,000 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775 income 35,000 4,925 5,025 5,775 5,525 5,775 5,525 5,775 5,775 before 40,000 4,125 4,625 5,125 5,125 5,025 5,025 5,775 5,525 taxes 45,000 3,325 4,225 4,325 4,725 4,225 4,625 5,225 5,125 50,000 2,525 3,825 3,525 4,325 3,425 4,225 4,325 4,725 55,000 1,725 3,325 2,725 3,925 2,625 3,825 3,625 4,325 60,000 725 2,825 1,925 3,425 1,825 3,225 2,825 3,925 65,000 0 2,225 1,025 2,925 925 2,925 2,025 3,525 70,000 0 1,525 0 2,325 0 2,325 1,125 3,025 75,000 0 725 0 1,725 0 1,625 0 2,425 80,000 00 0925 0 825 0 1,825

NYS Tuition Assistance Program (TAP) Part-time TAP TEACH Grant (Federal Teacher Education grants at Private Colleges and ᔢ New York State residents enrolled in a Assistance for College and Higher Universities = $231 million ᗄ NYS college part time (6-11 credits) and Education Grant) ᔢ TAP is a grant program for NYS residents have completed 12 credits in each of two ᔢ TEACH is a federal grant providing up attending a NYS college full time. In preceding semesters with a minimum 2.0 to $4,000 per year to eligible students 2015-2016, awards for first-time freshmen GPA will be eligible to receive Part-time attending a participating institution and at private colleges and universities range TAP depending on eligibility (based on who intend to teach in a public or private from $500 up to $5,165 per year for up to need). Visit www.hesc.ny.gov, or call elementary or secondary school that serves four years (five years for certain programs). 1.888.NYSHESC for more information. students from low-income families. For more info, visit www.studentaid.ed.gov Eligibility for TAP is based on NYS net ADA Part-time TAP ᔢ and search for “TEACH Grant.” taxable income plus state or federal ᔢ Students with a documentable disability pension income. The chart on page 7 may be eligible for Americans with Scholarships from Private Sources shows TAP awards at selected federal Disabilities Act (ADA) Part-time Tuition ᔢ Grants and scholarships are available from adjusted gross incomes minus NYS Assistance Program (TAP). ADA Part-time many community and private exemptions and standard deductions. TAP allows time for students to complete organizations. Check with your school Note: if you itemize your deductions, your additional semesters in their college counselor, public library, employer, Chamber estimated NYS taxable income will be program. For more information, visit of Commerce, union, church, community lower and your TAP award will be higher. www.hesc.ny.gov (search “ADA”) and special-interest organizations. ᔢ The TAP application process begins with the FAFSA. To apply for a TAP grant, you must file the FAFSA and list a college in NYS Tuition Assistance Program (TAP) Awards New York. Students completing the FAFSA online may file the TAP application Parent Income Estimated NYS TAP awards at NYS private by linking to it directly from the FAFSA before taxes (AGI) net taxable income colleges and universities Confirmation Page. ᔢ If you do not begin the online TAP $0 - 27,600 $ 9,950 $5,165 application when you file the FAFSA 30,000 12,350 5,001 35,000 17,350 4,550 online, or if you complete a paper FAFSA, 45,000 27,350 3,423 you will receive notification from HESC 55,000 37,350 2,223 by email or postcard inviting you to 65,000 47,350 1,023 complete the online TAP application. You 75,000 57,350 500 may also request a paper ETA at that time 85,000 67,350 500 by contacting HESC at www.hesc.ny.gov 95,000 77,350 500 or calling 1.888.NYSHESC. 100,000 82,350 500 100,650 83,000 500

NOTE: Based on 2015-2016 dependent undergraduate TAP award schedule (2015 NYS standard deduction); family of 4 with 1 in college. TAP is based on total NYS taxable income; untaxed income is not a factor. 7 Major Sources of Aid Financial Aid Programs Student Loans Federal Perkins Loans † ᔢ In 2015-2016, undergraduates may borrow Federal Direct Loans up to $5,500 per year; up to $27,500 Wor k-Study ᔢ Depending on your financial need and status total for undergraduate study. Graduate/ as a dependent or independent student, professional students may borrow up to Federal Work-Study Program (FWS) there are two types of Federal Direct Loans $8,000 per year. The maximum total for all years of study is $60,000. The federal ᔢ Eligibility is based on financial need. with varying interest rates and borrowing Students usually work 5 to 15 hours per limits: government will pay the fixed 5% interest until you begin repayment. week during the academic year. To apply, Subsidized Direct Loans are available Repayment begins nine months after you you must file the FAFSA. • only for undergraduate study . Loans first are no longer enrolled at least half time disbursed between July 1, 2015 and June Job programs from Private Colleges (up to 10 years to repay). Exceptional 30, 2016 have a fixed interest rate of 4.29% and Universities financial need and the availability of for the 2015-2016 academic year. The funds determine eligibility. To apply, file ᔢ Check with the college’s financial aid interest on Subsidized Direct Loans is the FAFSA. office for on-campus job availability. based on a student’s financial need as ᔢ Community service jobs are also calculated from the information on the available for work–study students. FAFSA. There is no income cutoff as long as Alternatives for you demonstrate need. Please see the table Did you know that the amount you on page 9 for more information. Parents and Students pay at a private college or university Unsubsidized Direct Loans are available Federal PLUS Loans • to undergraduate and graduate students could be less than what you would pay and have a fixed interest rate of 4.29% for PLUS Loans for parents of dependent undergraduate students at a public institution? Most private undergraduates and 5.84% for graduate or professional study (for loans first disbursed ᔢ PLUS is a federal loan program where colleges provide institutional aid (aid between July 1, 2015 and June 30, 2016) parents and/or stepparents may borrow directly from the college or university) and are not based on financial need. up to the cost of attendance, less Undergraduate students must exhaust other financial aid, each year for each to help students cover expenses. In their Subsidized Direct Loans (if eligible) undergraduate dependent child New York, that student aid totals more prior to using unsubsidized loans. The enrolled at least half-time. Eligibility interest on Unsubsidized Direct Loans is not based on need but parents must than $4.8 billion annually! accrues while the student is enrolled in have acceptable credit history or an college, although payments can be eligible co-signer. PLUS Loans can be deferred until after graduation. used to meet the calculated family Academic Requirements for ᔢ Aggregate loan limit for undergraduate contribution. Federal Student Aid Eligibility dependent students is up to $31,000 in ᔢ The interest rate is fixed at 6.84% for Direct Loans, of which no more than $23,000 loans disbursed July 1, 2015 – June 30, Federal Student Aid Eligibility requires that may be subsidized loans. Graduate and 2016. Repayment begins 60 days after students prove they have attained one of the the loan is fully disbursed. Borrowers may following: professional students aggregate limit is $138,500, of which no more than $65,500 select from different repayment options. ᔢ A high school diploma or recognized may be from subsidized undergraduate Interest may be tax deductible. equivalent such as a General Education Development (GED) certificate, or Test Direct Loans. Borrowing limits for students in ᔢ To apply, students complete the FAFSA Assessing Secondary Completion (TASC™) or certain health profession programs are higher. and a Direct PLUS Loan application. ᔢ Complete a high school education in a home- ᔢ Repayment begins six months after you are Check with the college for any school setting approved under state law. no longer enrolled at least half-time with additional loan application procedures. several repayment options available. See the PLUS Loans for graduate and professional table on page 9 for annual Direct Loan limits degree students With grants, scholarships and other for undergraduate and graduate study. ᔢ Graduate and professional degree ᔢ To apply for federal student loans, students students may borrow through the aid money, private colleges are often must first complete the FAFSA. PLUS Loan program up to their cost of no more expensive –and sometimes attendance minus other aid. Students less costly –than state colleges. must have first applied for maximum † As of October 1, 2015, Perkins loans are no longer loan eligibility under the Direct Loan available to new borrowers. Current Perkins Loan borrowers program and must have acceptable may be eligible to continue in the program. Contact your credit history. 8 college's financial aid office for more information. ᔢ To apply, students complete the FAFSA qualifying student loans may also be and a Direct PLUS Loan application. deducted to reduce the amount of your Check with the college for any additional income subject to tax by up to $2,500. loan application procedures. For more information, visit irs.gov/Tax- Interest-Free Monthly Payment Plans Benefits-for-Education, or contact your tax advisor. ᔢ Interest-free, insured, monthly installment plans are available at many colleges for New York State College Tuition Tax payment of tuition, fees, room and board and Credit/Deductions other expenses. The payment plan options ᔢ New York State taxpayers may take either: may include a semester payment plan (5- month plan), or a 10- to 12-month payment 1) a tax credit or an itemized tax deduction plan for the academic year. Check with the for college tuition expenses at an college. in-state or out-of-state institution for their dependent’s, spouse’s or their own AmeriCorps undergraduate study; or, ᔢ AmeriCorps is a federal volunteer program. 2) an itemized deduction for qualified Participants serve up to 12 months. During college tuition expenses up to a maximum AmeriCorps service, members receive a of $10,000 for each eligible student. living allowance, housing, meals, and Ways your aid become eligible for a Segal AmeriCorps ᔢ For more information consult your tax Education Award following completed advisor or go to: www.hesc.ny.gov and may change service. This award may be used to pay search for “tuition tax credit.” educational costs at eligible post- New York’s College Savings Program Financial aid counselors see it all secondary educational institutions, as the time – a student loses his or her Start a college savings program with a well as to repay qualified student loans. ᔢ financial aid and has no idea why. minimum $25 deposit. You need not be For more information call 1.800.942.267 7, Financial aid – whether it is loans, a NYS resident, although NYS taxpayers or visit www.nationalservice.gov. scholarships or grants – usually comes can receive a NYS income tax deduction with strings attached. It is important to Federal Tax Incentives for contributions up to $5,000 annually keep on top of your grants, scholarships ᔢ The Federal government offers tax credits (up to $10,000 for married couples filing and loans – and understand what is and deductions to families and students jointly). Qualified withdrawals are exempt required to keep your awards. Here are with qualifying education expenses, from state and federal income taxes. the most common ways students lose or including tuition and related fees, books Savings may be used to meet college will see changes in their aid from one and other required course materials paid costs at any eligible college or university. year to the next: for higher education. Interest paid on For details: 1.877.NYSAVES or www.nysaves.org 1 Not showing adequate progress toward your degree. 2 Not maintaining at least a 2.0 GPA Federal Direct Loan Limits, 2015-2016 Academic Year* overall – not just in your major. 3 Not finishing at least 70 percent of Dependent Students Total Annual Limit for Interest Rate the classes you take. whose parents were Subsidized and Unsubsidized not denied a PLUS Loan* Direct Loans 4 Not knowing all of the conditions of your aid. Some stipulations Freshmen $5,500 (no more than $3,500 subsidized) 4.29% fixed to maintain aid go beyond these Sophomores $6,500 (no more than $4,500 subsidized) for new loans minimums. Juniors and Seniors $7,500 (no more than $5,500 subsidized) July 1, 2015 - June 30, 2016 ** 5 Your family’s financial situation Graduate and changed resulting in a higher Professional Students Expected Family Contribution (need-based aid). Graduate and $20,500 5.84% fixed 6 Your sibling(s) graduated from an Professional Students (unsubsidized only) undergraduate program. Graduate and professional students enrolled in certain health profession programs may receive additional unsubsidized Direct Loan amounts. Source: Adapted from EduGuide.org Source: Adapted from https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized, September 2015. *Independent students and dependent students whose parents were denied a PLUS Loan are able to borrow an additional Unsubsidized Direct Loan. **Subsidized Direct Loan interest is subject to change after June 30, 2016. 9 Major Sources of Aid Internet Financial Aid Programs Resources Other Scholarships/Grants • Go College! NY – A website designed especially for students new to the college Other Programs Learn more at www.hesc.ny.gov. ᔢ search process: www.GoCollegeNY.org Higher Education Opportunity • Aid for Part-Time Study (APTS) †: Program (HEOP) contact your college. • College Navigator, a U.S. Department of • Flight 3407 Memorial Scholarship: Education website, allows students to ᔢ HEOP provides financial aid to cover 1.888.NYSHESC search colleges and universities: the majority of college costs, academic • Flight 587 Memorial Scholarship: www.nces.ed.gov/collegenavigator tutoring and educational counseling 1.888.NYSHESC • Federal Student Aid Information Center: for academically and economically • Military Service Recognition Scholarship (MSRS): 1.800.4FED.AID, or www.studentaid.ed.gov disadvantaged NYS students. Institutions 1.888.NYSHESC With FAFSA4caster you can estimate your that currently offer HEOP may be found • NYS Aid to Native Americans †: • at: www.nysed.gov (search “HEOP”). 1.518.474.0537 eligibility for federal student aid: https://fafsa.ed.gov/FAFSA/app/f4cForm Loan Forgiveness Programs • NYS Math & Science Teaching Incentive Scholarship: 1.888.NYSHESC • Funding Education Beyond High School – • District Attorney and Indigent Legal Services • NYS Memorial Scholarship for families A Guide to Federal Student Aid: Attorneys Loan Forgiveness Program †: of deceased firefighters, volunteer firefighters, www.studentaid.ed.gov/resources 1.888.NYSHESC police officers, peace officers, and emergency • NYS Get On Your Feet Loan Forgiveness medical service workers: • NYS Higher Education Services Corporation – Program † for students graduating 2015 1.888.NYSHESC Information on NYS grants and scholarships: and beyond: 1.888.NYSHESC • NYS Recruitment Incentive and Retention 1.888.NYSHESC, or www.hesc.ny.gov • Licensed Social Worker Loan Forgiveness Program (RIRP) † for the State Military Forces: • HOPE Scholarship and Lifetime Learning Program †: www.dmna.state.ny.us/education Credits and other federal incentive programs: 1.888.NYSHESC • NYS Regents Award for Children of Deceased and www.irs.gov/publications/p970 • Public Service Loan Forgiveness (PSLF) Disabled Veterans: Program: 1.800.4.FED.AID 1.888.NYSHESC • NYS college tuition tax credit/deductions: • NYS Young Farmers Loan Forgiveness • NYS Scholarship for Academic Excellence †: www.hesc.ny.gov (search “tax credit”) Incentive Program †: contact your guidance office. • The Internal Revenue Service (IRS) site 1.888.NYSHESC • NYS Veterans Tuition Award (VTA) †: provides information about new tax laws (tax • Perkins Loan Cancellation Programs: 1.888.NYSHESC credits and deductions for college expenses): 1.800.4.FED.AID • Senator Patricia K. McGee Nursing Faculty www.irs.gov • Teacher Loan Forgiveness Program: Scholarship † for registered professional nurses 1.800.4.FED.AID enrolling in graduate programs: • Hispanic Scholarship Fund: https://hsf.net Loan Repayment 1.888.NYSHESC • Joseph Tauber Scholarship Program: • NYS World Trade Center Memorial Scholarship: 646.473.8999: www.1199seiubenefits.org/ccf ᔢ Federal Loan Repayment Options: 1.888.NYSHESC • United Negro College Fund, Inc.: https://studentaid.ed.gov/sa/ Veterans Education Benefits repay-loans https://scholarships.uncf.org ᔢ For veterans with active duty service, there • Fastweb.com: A database of thousands of ROTC Programs are a number of programs available to help private scholarships: www.fastweb.com ᔢ The Army, Marine Corps, Navy, and Air with college costs. For example, the Post- • New York’s 529 College Savings Program can Force offer financial assistance to qualified 9/11 GI Bill provides students attending help families save for college with students . Scholarships may range up to private colleges and universities in New York significant tax benefits: full tuition plus fees, books and uniform; State up to $21,085 for tuition and fees 1.877.NYSAVES, or www.nysaves.org a monthly stipend may also be awarded. between August 1, 2015 and July 31, 2016. Students incur a service obligation The amount changes annually. In some • The Upromise® Rewards Program is a (generally for a total of eight years) in cases, this benefit can be transferred to savings-through-purchase program. return for a four-year scholarship (some other family members. For program Shop at hundreds of companies and a 3-, 2- and even 1-year scholarships are overviews, visit www.gibill.va.gov/benefits/ percentage of the purchase price is deposited available). index.html. In addition, several private, into a savings account. Upromise® can be tied not-for-profit colleges and universities in to the New York 529 College Savings ᔢ The application deadline is usually in Program: www.upromise.com December of the high school senior year. New York State participate in the Yellow For a list of ROTC programs at private Ribbon Program, a matching program that • The College Savings Plan Network – colleges and universities in New York go will cover some or all of any tuition and fee Information on state-sponsored prepaid to: www.nycolleges.org (search “ROTC”). charges not covered by the Post-9/11 GI Bill tuition and college savings plans: program. For additional information, visit www.collegesavings.org † New York State programs for New York State residents. www.benefits.va.gov/gibill/post911_gibill. asp and consult with the veterans certifying official at the college or university you are 10 considering. For students entering college in 2016-2017 Process will change for students entering in 2017-2018 Calendar 2015 2016 April September and October January ᔢ Colleges with traditional admissions and financial aid deadlines will notify you of college ᔢ Colleges encourage visits from students and their ᔢ Attend local college financial aid workshops. acceptance and financial aid packages. parents/guardians. It is your chance to “try on” a Evaluate the offers. Notify all the colleges of campus. Use the map on pages 12-15 to plan ᔢ As soon as possible after January 1, complete your decision to accept or decline their your trips. Also ask your school counselor about and submit your FAFSA, or complete it online at offers, or request an extension, usually by college fairs in your area. At the fairs, talk with http://fafsa.ed.gov. Estimate your income if you May 1. Pay attention to those deadlines! college representatives and start to build have not yet completed your tax returns. It is better to estimate than wait. Keep a copy of all relationships . If you still wish to expand your options, the forms you file. Complete and submit all other ᔢ some colleges will accept admissions and ᔢ Make a list of colleges you will apply to and required financial aid forms. Watch your financial aid applications at this time. note details about each college’s application deadlines! You’ll receive your Student Aid Visit www.nycolleges.org/view-college- process (online or by mail) . Be sure to keep Report (SAR) within four weeks after filing your information for college contact information. track of the colleges’ admission and financial aid FAFSA by mail; sooner if you complete it online. deadlines! Review your SAR carefully. Follow directions to Apr. 8: Registration deadline for May 7 SAT® † & SAT Subject Tests™. ᔢ Ask your teachers and others for the letters correct errors. Apr. 9: ACT test date. of recommendation you will need for your ᔢ New York State students who file the FAFSA admission applications. online may apply for a Tuition Assistance May and June Sep. 3: Registration deadline for Oct. 3 Program (TAP) grant online by linking to it SAT® & SAT Subject Tests™. directly from your FAFSA confirmation page. ᔢ May 1 is the traditional deadline for students Sep. 18: Registration deadline for For more information about applying for TAP, to notify colleges of their college choice. If you Oct. 24 ACT. call 1.888.NYSHESC. decline admission and have received an aid Oct. 3: SAT® & SAT Subject Tests™ date. package, notify the college financial aid office ᔢ If you need help completing the FAFSA, make so it can offer the award to another student. Oct. 9: Registration deadline for Nov. 7 sure you attend a College Goal event in your SAT® & SAT Subject Tests™. area. Local college financial aid administrators ᔢ NYS residents applying for TAP: If you applied Oct. 14: PSAT/NMSQT † test date will be there to help you and your family by mail, review, correct and return your (recommended). complete the FAFSA. For more information: Express TAP Application (ETA) to HESC. Be sure Oct. 24: ACT test date. https://collegegoalny.org your TAP Award Certificate contains the code Oct. 28: PSAT/NMSQT † alternate test date. Jan. 8: Registration deadline for for the college you will attend. Check your Feb. 6 AC T–Outside NYS only. email for correspondence from HESC about November and December Jan. 23*: SAT® & SAT Subject Tests™ date. your TAP award. If you decide to attend a college in New York State, review your TAP ᔢ Explore all financial aid sources, including February and March application information and provide additional scholarships from local businesses, organizations, information, or make corrections if needed, or employers, churches, etc. Ask for help at your ᔢ If you have not already done so, visit the if requested by HESC. Visit www.hesc.ny.gov public library and guidance/college office. colleges to which you applied. for more information, or call 1.888.NYSHESC. Attend financial aid workshops and college fairs. ᔢ Start to look for a summer job. ᔢ Follow up on the progress of your grants, scholarships, loans, work-study and other ᔢ Continue completing your college applications. ᔢ In March, many colleges begin to notify Pay careful attention to the deadlines! students of college acceptance. See April for forms of student aid. ᔢ If you plan on completing the FAFSA online more information. May 2-6 Advanced Placement (AP) & 9-1 3: Program ® Exams. (recommended), get FSA IDs* for you and your Feb. 5: Registration deadline for Mar. 23 May 5: Registration deadline for Jun. 4 parents/guardians at https://fsaid.ed.gov . SAT® † tests™. Obtain the Free Application for Federal Student SAT® † & SAT Subject Tests™. Feb. 6: ACT test dat e–Outside Aid (FAFSA) worksheet from your school May 6: Registration deadline for NYS only. counselor or online at www.fafsa.ed.gov . Jun. 11 ACT. Feb. 2 2- PSAT 10 † possible test Check with all the colleges to which you are May 7*: SAT® † & SAT Subject Tests™ date. Mar. 4: administration dates. applying to determine if there are other Jun. 4*: SAT® † & SAT Subject Tests™ date. financial aid forms you must complete to Mar. 4: Registration deadline for Jun. 11: ACT test date. qualify for all types of aid. Obtain all Apr. 9 ACT. required forms. Mar. 5: SAT® † only test date. ᔢ Don’t forget to send thank-you notes to all who Nov. 5: Registration deadline for Dec. 5 helped you through your college search. SAT® & SAT Subject Tests™. * In spring 2015, the login process changed. If you already Nov. 6: Registration deadline for had a PIN, you will be instructed on how to create a Dec. 12 ACT. username and password for the new login system. NOTE: Register for the SAT® exams online at www.collegeboard.org. † New, redesigned test. Online SAT® exam registration deadlines expire at midnight, Eastern Nov. 7*: SAT® & SAT Subject Tests™ date. Daylight Time. Register for ACT exams online at www.actstudent.org. Dec. 5*: SAT® & SAT Subject Tests™ date. Online ACT exam deadlines expire at midnight, Central Time. If Dec. 12: ACT test date. Visit applying by mail, registration deadlines listed here refer to regular www.studentaid.ed.gov or U.S. postmark dates. Visit above websites for international Dec. 28: Registration deadline for Jan. 23 www.nasfaa.org deadlines and U.S. late registration deadlines. SAT® & SAT Subject Tests™. for more information on financial aid. 11 Campus Locator New York’s 100+ Private Colleges and Universities

Colleges are listed alphabetically in each region of the state by Name of College, with the City in which it is located in italics. Degrees offered appear in parentheses with bachelor’s degrees indicated by (B) and associate degrees indicated by (A). Campuses that offer graduate degrees (master’s, doctorate, or first professional) are indicated by (G) .

KEY : College Name Phone City (Degrees Offered) Web Central New York

* Graduate-only campus. 1. Cazenovia College 800.654.3210 Cazenovia (A,B) www.cazenovia.edu 2. Colgate University 315.228.7401 Western New York Hamilton (B,G) www.colgate.edu 1. Canisius College 800.843.1517 3. Le Moyne College 800.333.4733 Buffalo (B,G) www.canisius.edu Syracuse (B,G) www.lemoyne.edu 2. Daemen College 800.462.7652 4. St. Joseph’s College of Nursing at 315.448.5040 Amherst (B,G) www.daemen.edu St. Joseph’s Hospital Health Center www.sjhcon.edu Syracuse (A) 3. D’Youville College 800.777.3921 Buffalo (B,G) www.dyc.edu 5. Syracuse University 315.443.3611 Syracuse (A,B,G) www.syr.edu 4. Hilbert College 800.649.8003 Hamburg (A,B,G) www.hilbert.edu 6. Wells College 800.952.9355 Aurora (B) www.wells.edu 5. Houghton College 800.777.2556 Houghton (A,B,G) www.houghton.edu 6. Medaille College 800.292.1582 Southern Tier Buffalo (A,B,G) www.medaille.edu 1. Cornell University 607.255.5241 7. Niagara University 800.462.2111 Ithaca (B,G) www.cornell.edu Niagara Falls (A,B,G) www.niagara.edu 2. Elmira College 800.935.6472 8. St. Bonaventure University 800.462.5050 Elmira (A,B,G) www.elmira.edu St. Bonaventure (B,G) www.sbu.edu 3. Ithaca College 800.429.4274 9. Trocaire College 716.827.2545 Ithaca (B,G) www.ithaca.edu Buffalo (A,B) www.trocaire.edu 10. Villa Maria College 716.961.1805 Buffalo (A,B) www.villa.edu Mohawk Valley 1. Hamilton College 800.843.2655 Finger Lakes Clinton (B) www.hamilton.edu 1. Finger Lakes Health College of 315.787.4005 2. Hartwick College 888.HARTWICK Nursing, Geneva (A) www.flhealth.org/rn Oneonta (B) www.hartwick.edu 2. Hobart and William Smith Colleges 800.852.2256 3. St. Elizabeth College of Nursing 315.798.8347 Geneva (B,G) www.hws.edu Utica (A) www.secon.edu 3. Keuka College 800.33.KEUKA 4. Utica College 800.782.8884 Keuka Park (B,G) www.keuka.edu Utica (B,G) www.utica.edu 4. Medaille College/Rochester Campus 585.272.0030 Rochester (A,B,G) www.medaille.edu North Country 5. Nazareth College 800.432.3944 Rochester (B,G) www.naz.edu 1. Clarkson University 800.527.6577 6. New York Chiropractic College 800.234.6922 Potsdam (B,G) www.clarkson.edu Seneca Falls (G) * www.nycc.edu 2. Paul Smith’s College of Arts 800.421.2605 7. Roberts Wesleyan College 800.777.4RWC and Sciences, Paul Smiths (A,B) www.paulsmiths.edu Rochester (A,B,G) www.roberts.edu 3. St. Lawrence University 800.285.1856 8. Rochester Institute of Technology 585.475.6631 Canton (B,G) www.stlawu.edu Rochester (A,B,G) www.rit.edu 9. St. John Fisher College 800.444.4640 Rochester (B,G) www.sjfc.edu 10. University of Rochester and 888.822.2256 Eastman School of Music www.rochester.edu Rochester (B,G) 12

1 3 Potsdam 2

North Country

4 15

3 4 5 16 4 5 7 8 9 10 9 1 2 10 1 Utica 3 14 12 7 1 Rochester 6 2 Syracuse 1 6 1 Mohawk 9 Finger Lakes 13 Troy 2 Buffalo Geneva 2 6 Central Valley 10 Albany 3 4 3 5 2 Capital 6 5 Ithaca District Western 7 Southern Tier 8 8 2 11

1 3 3 4

See next page for Mid-Husdon, Capital District and Long Island

1. Albany College of Pharmacy 888.203.8010 and Health Sciences, Albany (B,G) www.acphs.edu 2. Albany Law School 518.445.2326 Albany (G) * www.albanylaw.edu 3. Albany Medical College 518.262.5521 Albany (G) * www.amc.edu 4. The Belanger School of Nursing 518.243.4471 Schenectady (A) www.ellismedicine.org/school-of- nursing 5. The College of Saint Rose 800.637.8556 12. Samaritan Hospital School 518.271.3285 Albany (B,G) www.strose.edu of Nursing, Troy (A) www.nehealth.com/son 6. Excelsior College 888.647.2388 13. Siena College 888.AT.SIENA Albany (A,B,G) www.excelsior.edu Loudonville (B,G) www.siena.edu 7. Maria College 518.861.2517 14. Skidmore College 800.867.6007 Albany (A,B) www.mariacollege.edu Saratoga Springs (B) www.skidmore.edu 8. Memorial College of Nursing 518.471.3260 15. Union College 888.843.6688 Albany (A) www.nehealth.com/son Schenectady (B) www.union.edu 9. Rensselaer Polytechnic Institute 518.276.6216 16. Union Graduate College 518.631.9831 Troy (B,G) www.rpi.edu Schenectady (G) * www.uniongraduatecollege.edu 10. The Sage Colleges/Russell Sage 888.VERY.SAGE College (B), Sage Graduate School www.sage.edu Troy (G) * 11. The Sage Colleges/Sage College 888.VERY.SAGE of Albany, Albany (B) www.sage.edu 13 1 Mid-Hudson

6 15 Poughkeepsie 28

19 Mid-Hudson 8 * Graduate-only campus.

17 27 1. Bard College 845.758.7472 9 Annandale-on-Hudson (A,B,G) www.bard.edu 13 14 21 23 2. Cochran School of Nursing 914.964.4296 11 Long Island Yonkers (A) www.cochranschoolofnursing.us 7 12 22 24 20 26 16 5 12 3. The College of New Rochelle 800.933.5923 3 4 10 14 New Rochelle (B,G) www.cnr.edu 5 25 2 7 18 2 4. The College of New Rochelle/School of 800.288.4767 Bronx 8 campuses 6 New Resources, New Rochelle (B) www.cnr.edu 9 1 5. Concordia College 800.YES.COLLEGE 34 campuses 4 11 8 Bronxville (A,B,G) www.concordia-ny.edu Staten Island 2 campuses 13 3 10 6. The Culinary Institute of America 800.CULINARY Hyde Park (A,B) www.ciachef.edu 9 campuses 4 campuses 7. Dominican College 866.432.4636 Orangeburg (A,B,G) www.dc.edu 8. Fei Tian College 845.672.0550 Cuddebackville (B) www.feitian.edu 9. /Westchester 914.367.3426 New York City Campus, West Harrison (G) * www.fordham.edu (The 5 Boroughs) 10. Iona College 800.231.IONA New Rochelle (B,G) www.iona.edu Bronx 11. Iona College Rockland Graduate Center 866.850.IONA Pearl River (G) * www.iona.edu/rockland 1. Albert Einstein College of Medicine 718.430.2000 of (G) * www.einstein.yu.edu 12. LIU Hudson at Rockland 845.359.7200 Orangeburg (G) * www.liu.edu/hudson 2. /Bronx Campus 347.964.8600 (A,B,G) www.boricuacollege.edu 13. LIU Hudson at Westchester 914.831.2700 Purchase (G) * www.liu.edu/hudson 3. College of Mount Saint Vincent 800.665.CMSV Riverdale (A,B,G) www.mountsaintvincent.edu 14. Manhattanville College 914.323.5464 Purchase (B,G) www.mville.edu 4. The College of New Rochelle/School 800.288.4767 of New Resources/Co-op City (B) www.cnr.edu 15. Marist College 800.436.5483 Poughkeepsie (B,G) www.marist.edu 5. The College of New Rochelle/School 800.288.4767 of New Resources/John Cardinal www.cnr.edu 16. /Dobbs Ferry Campus 877.MERCY.GO O’Connor Campus (B) (main campus), Dobbs Ferry (A,B,G) www.mercy.edu 6. Fordham University (B,G) 800.FORDHAM 17. Mercy College/Yorktown Campus 877.MERCY.GO www.fordham.edu Yorktown Heights (A,B,G) www.mercy.edu 7. 800.MC2.XCEL 18. Montefiore School of Nursing 914.361.6472 Riverdale (B,G) www.manhattan.edu Mount Vernon (A) www.montefiorehealthsystem.org 8. Mercy College/Bronx 877.MERCY.GO 19. Mount Saint Mary College 888.YES.MSMC Campus (A,B,G) www.mercy.edu Newburgh (B,G) www.msmc.edu 20. /Silver School 845.398.4129 Brooklyn of Social Work at St. Thomas Aquinas www.nyu.edu 1. Boricua College/Brooklyn Campus (A,B,G) www.boricuacollege.edu College, Sparkill (G) * Northside Center 718.782.2200 21. and Alliance 800.33NYACK (College) Graham Center 718.963.4112 Theological Seminary, Nyack (A,B,G) 800.541.6891 (Seminary) 2. Bramson ORT College/ 718.261.5800 x640 www.nyack.edu Extension Center (A) www.bramsonort.edu 22. /Lubin Graduate 914.422.4283 3. The College of New Rochelle/School of 800.288.4767 Center, White Plains (G) * www.pace.edu New Resources/Brooklyn Campus (B) www.cnr.edu 23. Pace University/Pleasantville- 800.874.PACE 4. LIU Brooklyn (A,B,G) 800.LIU.PLAN Briarcliff Campus, Pleasantville (A,B,G) www.pace.edu www. liu.edu/brooklyn 24. Pace University/White Plains Campus 914.422.4210 5. New York University Polytechnic School 718.260.3182 School of Law, White Plains (G) * www.law.pace.edu of Engineering (B,G) http://engineering.nyu.edu 25. Sarah Lawrence College 800.888.2858 6. (B,G) 800.331.0834 Bronxville (B,G) www.slc.edu www.pratt.edu 26. St. Thomas Aquinas College 800.999.STAC 7. St. Francis College 718.489.52 00 Sparkill (A,B,G) www.stac.edu Brooklyn Heights (A,B,G) www.sfc.edu 27. /New York Medical 914.594.4000 8. St. Joseph’s College/Brooklyn 718.940.5800 College, Valhalla (G) * www.nymc.edu Campus (B,G) www.sjcny.edu 28. Vassar College 800.827.7270 9. Touro College/Lander College of 718.252.7800 Poughkeepsie (B,G) www.vassar.edu Arts & Sciences, Flatbush (A,B,G) www.touro.edu 14 Manhattan 1. American Academy McAllister 866.932.2264 30. Touro College 212.463.0400 x5500 Institute of Funeral Service (A) www.funeraleducation.org (A,B,G) www.touro.edu 2. American Museum of Natural History, 212.769.5055 31. Touro College/Harlem Campus: 212.851.1199 Richard Gilder Graduate School (G) * http://rggs.amnh.org Touro College of Osteopathic www.touro.edu/med Medicine (G) * 3. Bank Street College of Education (G) * 212.875.4404 www.bankstreet.edu Touro College of Pharmacy (G) * 212.851.1192 www.pharmacy.touro.edu 4. (B) 212.854.2014 www.barnard.edu 32. Weill Cornell Graduate School 212.746.6565 of Medical Sciences (G) * http://weill.cornell.edu/gradschool 5. Boricua College (A,B,G) 212.694.1000 www.boricuacollege.edu 33. (G) * 212.746.1067 http://weill.cornell.edu 6. The College of New Rochelle/School of 800.288.4767 New Resources/District Council 37 (B) www.cnr.edu 34. Yeshiva University (A,B,G) 212.960.5277 www.yu.edu 7. The College of New Rochelle/School of 800.288.4767 New Resources/Rosa Parks Campus (B) www.cnr.edu Queens 8. (B,G) 212.854.2522 1. Bramson ORT College 718.261.5800 x640 www.columbia.edu Forest Hills (A) www.bramsonort.edu 9. (B,G) 212.353.4120 2. St. John’s University/Queens 888.9STJOHNS www.cooper.edu Campus (main campus) (A,B,G) www.stjohns.edu 10. Fordham University/Lincoln Center 800.FORDHAM 3. Touro College/The Lander College 718.820.4800 Campus (B,G) www.fordham.edu for Men, Kew Gardens (B) http://lcm.touro.edu 11. Helene Fuld College of Nursing (A,B) 212.616.7200 4. Vaughn College of Aeronautics 866.6VAUGHN www.helenefuld.edu and Technology, Flushing (A,B,G) www.vaughn.edu 12. The King’s College (B) 888.969.7200 Staten Island www.tkc.edu 1. St. John’s University/Staten Island 888.9STJOHNS 13. Manhattan School of Music (B,G) 917.493.4436 Campus (A,B,G) www.stjohns.edu/campuses/staten- www.msmnyc.edu island-campus 14. Marymount Manhattan College (B) 800.MARYMOUNT 2. (B,G) 718.390.3411 www.mmm.edu www.wagner.edu 15. Mercy College/Manhattan Campus (A,B,G) 877.MERCY.GO www.mercy.edu 16. Metropolitan College of New York (A,B,G) 800.33THINK x5001 Long Island www.mcny.edu 17. : 800.292.3040 1. Adelphi University 800.ADELPHI College of Performing Arts Garden City (A,B,G) www.adelphi.edu (B,G) www.newschool.edu/mannes 2. Cold Spring Harbor Laboratory, 516.367.6890 School of Drama (B,G) www.newschool.edu/drama Watson School of Biological Sciences www.cshl.org/gradschool School of Jazz (B) www.newschool.edu/jazz Cold Spring Harbor (G) * Eugene Lang College of Liberal Arts (B) www.newschool.edu/lang 3. Dowling College 800.DOWLING The New School for Social Research (G) * www.newschool.edu/nssr Oakdale (B,G) www.dowling.edu (A,B,G) www.newschool.edu/parsons 4. Hofstra University 800.HOFSTRA Hempstead (B,G) www.hofstra.edu Schools of Public Engagement (B,G) www.newschool.edu/public- engagement 5. LIU Brentwood 631.287.8500 Brentwood (B,G) www.liu.edu/brentwood 18. New York College of 800.526.6966 Podiatric Medicine (G) * www.nycpm.edu 6. LIU Post 800.LIU.PLAN Brookville (A,B,G) www.liu.edu/post 19. New York Institute of Technology 800.345.NYIT (NYIT)/Manhattan Campus (A,B,G) www.nyit.edu 7. LIU Riverhead 631.287.8010 Riverhead (B,G) www.liu.edu/riverhead 20. New York School of Interior 800.33.NYSID Design (A,B,G) www.nysid.edu 8. Molloy College 888.4MOLLOY Rockville Centre (A,B,G) www.molloy.edu 21. New York University (A,B,G) 212.998.4500 www.nyu.edu 9. New York Institute of Technology 800.345.NYIT (NYIT)/Old Westbury Campus www.nyit.edu 22. Nyack College and Alliance 800.33NYACK (College) Old Westbury (A,B,G) Theological Seminary (A,B,G) 800.541.6891 (Seminary) www.nyack.edu 10. St. John’s University/ 800.9STJOHNS Oakdale Campus, Oakdale (G) * www.stjohns.edu 23. Pace University/New York City 800.874.PACE Campus (A,B,G) www.pace.edu 11. St. Joseph’s College/Long Island 631.687.45 00 Campus, Patchogue (B,G) www.sjcny.edu 24. Phillips Beth Israel School 212.614.6114 of Nursing (A,B) http://pbisn.edu 12. Touro College/Jacob D. Fuchsberg 631.761.7000 Law Center, Central Islip (G) * www.tourolaw.edu 25. Pratt Institute/Manhattan 800.331.0834 Campus (A,B,G) www.pratt.edu 13. Touro College/Bay Shore Campus: 866.TOURO.4.U School of Health Sciences www.touro.edu/shs 26. Relay Graduate School of Education (G) * 212.228.1888 Bay Shore (A,B) www.relay.edu Graduate School of Education 212.462.4889 27. The (G) * 212.327.8086 Bay Shore (G) * http://legacy.touro.edu/edgrad www.rockefeller.edu 14. Webb Institute 866.708.WEBB 28. St. John’s University/ 888.9STJOHNS Glen Cove (B) www.webb.edu Manhattan Campus (B,G) www.stjohns.edu/campuses/ manhattan 29. Teachers College, Columbia 212.678.3710 University (G) * www.tc.columbia.edu 15 Affording College

Financial Aid • Pages 2 -10 New York’s 100+ Private Colleges and Universities • Six Steps to Financial Aid Adelphi University Fordham University Phillips Beth Israel School of Nursing • Applying for Financial Aid Albany College of Pharmacy and Hamilton College Pratt Institute • Your Aid Packages Health Sciences Hartwick College Relay Graduate School of Education • Financial Aid Programs: Sources of Aid Albany Law School Helene Fuld College of Nursing Rensselaer Polytechnic Institute Albany Medical College Hilbert College Roberts Wesleyan College Internet Resources • Page 10 American Academy McAllister Hobart and William Smith Colleges Rochester Institute of Technology Institute The most important financial aid forms are Hofstra University The Rockefeller University available online. Learn where to go on the Web American Museum of Natural Houghton College The Sage Colleges for answers to your financial aid and college History, Richard Gilder Graduate search questions. School Iona College Samaritan Hospital School of Nursing Bank Street College of Education Ithaca College Sarah Lawrence College Calendar • Page 11 Bard College Keuka College Siena College Now is the time to make an organized plan for Barnard College The King’s College Skidmore College your college search. Be sure you leave enough Le Moyne College St. Bonaventure University time to meet the deadlines for your admission The Belanger School of Nursing and financial aid applications. Boricua College St. Elizabeth College of Nursing Bramson ORT College Manhattan College St. Francis College Campus Locator • Pages 12 -15 Canisius College Manhattan School of Music St. John Fisher College From phone numbers to Web addresses and Cazenovia College Manhattanville College St. John’s University degrees offered, this campus locator map Clarkson University Maria College St. Joseph’s College and directory puts New York’s 100+ private Cochran School of Nursing Marist College St. Joseph’s College of Nursing at St. colleges at your fingertips. Joseph’s Hospital Health Center Cold Spring Harbor Laboratory, Marymount Manhattan College Watson School of Biological Medaille College St. Lawrence University Sciences Memorial College of Nursing St. Thomas Aquinas College Colgate University Mercy College Syracuse University College of Mount Saint Vincent Metropolitan College of New York Teachers College, Columbia University The College of New Rochelle Molloy College Touro College The College of Saint Rose Montefiore School of Nursing Trocaire College Columbia University Mount Saint Mary College Union College Concordia College Nazareth College Union Graduate College Cooper Union The New School University of Rochester Cornell University New York Chiropractic College Utica College The Culinary Institute of America New York College of Podiatric Daemen College Medicine Vassar College Dominican College New York Institute of Technology Vaughn College of Aeronautics and Technology Dowling College (NYIT) Villa Maria College Visit www.nycolleges.org, D’Youville College New York School of Wagner College Elmira College New York University New York’s 100+ private colleges Webb Institute Excelsior College Niagara University Wells College and universities’ admissions and Fei Tian College Nyack College Yeshiva University financial aid website: Finger Lakes Health College of Pace University Nursing Paul Smith’s College of Arts and ᔢ Find a campus Sciences ᔢ Find out what academic programs the colleges offer Affording College is published annually by the Commission on Independent ᔢ Read campus profiles Colleges and Universities (cIcu), a not-for-profit organization, 17 Elk Street, Albany, NY 12207. Vol. 18, October 2015. Learn about financial aid ᔢ Commission on Independent Design: Bangmark Marketing Group ᔢ Request more information Colleges and Universities 17 Elk Street Photo Credits: New York’s 100+ private colleges and universities. Page 4, Box 1, Page 6, and Page ᔢ Download admission and Albany, NY 12207 9, Box 1: T. Hansen. Page 8: Mark McCarty. financial aid publications email: [email protected] NOTE: While we make every effort to ensure accuracy, always verify information Phone: (518) 436.4781 with the colleges directly. Fax: (518) 433.8825 www.nycolleges.org ©2015 by the Commission on Independent Colleges and Universities (cIcu). All rights reserved. No part of this publication may be copied (photocopied, www.cicu.org reproduced, translated, or reduced to any electronic medium or machine-readable form) without prior written consent.