Affording College 2014

FINANCIAL AID AFFORDING INTERNET RESOURCES NEW YORK’S 100+ COLLEGES AND UNIVERSITIES COLLEGE 2014 EDITION

COMMISSION ON INDEPENDENT COLLEGES AND UNIVERSITIES

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Visit www.nycolleges.org, New York’s 100+ private colleges Six Steps to and universities’ admissions and ﬁnancial aid website. Financial Aid Choosing where to go to college is an New York State Higher Education Services important decision! There will be many options Corporation (HESC) at www.hesc.ny.gov or Step 3 to weigh and choices to make. When you begin by calling 1.888.NYSHESC. HESC is the state You will receive your Federal Student Aid considering which colleges to attend, never agency that processes the TAP application. Report (SAR) via email after submitting your let “sticker price” stop you from looking at The ETA will be pre-filled with information FAFSA on the Web (recommended). If you file colleges that may be right for you. The key to from your FAFSA. If you provide your email the FAFSA by mail, you will receive your SAR paying for college is knowing what is available address on your FAFSA, HESC will be able in approximately 30 days. A paper SAR and how to apply for all possible help. Very few to process your TAP application faster. If no acknowledgment will be sent if a valid email students actually pay the full cost of attendance. email is provided, you will be notified by letter. address is not provided. Review your SAR’s If you need financial aid to help meet college PROFILE – Some colleges may ask you to file information carefully. Follow the directions costs, you are very likely to receive it. the CSS Financial Aid PROFILE form to be to correct any errors. This booklet will direct you to important considered for college-funded aid (the information to learn about how to pay for college’s own grants and scholarships). Visit Step 4 your college education. http://student.collegeboard.org/CSS- In the spring (usually March or April), you’ll financial-aid-profile. There is a fee for filing receive financial aid “awards” or “packages” this form. Step 1 from the colleges that have offered you College-specific financial aid application – Check with each college’s financial aid office admission, each with a different combination Some colleges may ask you to complete of grants, scholarships, work-study and loans to determine which forms you need to file to the college’s own financial aid application be considered for all types of financial aid. to help you meet college expenses. Determine to be considered for their college-funded your “net cost” by subtracting from tuition and Every college is different. Get your PIN grants, scholarships and loans. Check with (Personal Identification Number). If you intend fees and room and board (if you’re living on each college for applications, requirements campus) all grants and scholarships plus the to file your Free Application for Federal and deadlines. Student Aid (FAFSA) online (it’s quicker), you total amount of your student loans. and your parent(s) (if you are a dependent student) must apply for a PIN, which serves Step 2 Step 5 as your electronic signature for the FAFSA on Complete and mail the FAFSA as soon as Review your financial aid award letters and the Web. For more information, visit possible after January 1 (of your senior compare your net costs. Decide which college www.pin.ed.gov. Don’t wait to be accepted year in high school) to ensure that you’re to attend and let the college know by the to a college before filing an application for considered for all available funding. If your deadline they have indicated – usually by financial aid. File as early as possible. family hasn’t yet completed its income tax May 1. Then, review your financial aid with The most important financial aid application returns, estimate your family’s income as your chosen college. In particular: forms are: accurately as possible (from end-of-year pay If federal student loans are part of your FAFSA (Free Application for Federal stubs or W-2 forms). You’ll have the opportunity package, the college will send instructions Student Aid) – Everyone applying for to make corrections later in the process. If you’re about the loan application process. You will federal and most other financial aid must a NYS resident applying to colleges in the need to complete and sign a form called complete this free form. File online at state, make sure you include a New York the Master Promissory Note (MPN) www.fafsa.ed.gov or by mail. To request a college on your FAFSA to begin application for in order to receive federal student loans paper FAFSA, call 1.800.4.FED.AID. a NYS TAP grant. Complete any other financial (e.g., Direct Loan funds). Keep track of how aid forms required by the colleges. It is very NYS TAP Application – NYS residents much you are borrowing and the important to meet all deadlines and to keep loan repayment terms and conditions. attending a college in NYS use this free a copy of all the forms you file. form with the FAFSA to apply for a NYS TAP NYS students attending college in the grant and to request payment of NYS By filing the FAFSA, you will be considered for: state: Follow up on your NYS Tuition scholarship awards. Complete the online Grants and scholarships from private Assistance Program (TAP) grant. Visit TAP application by linking to it directly colleges and universities (some colleges may www.hesc.ny.gov to review, and if necessary, from your FAFSA Confirmation Page. Even if require an additional form) correct the data on your TAP application. you use a paper FAFSA, you can still do Federal Pell Grant your TAP application online. You will be prompted to get a NYSHESC PIN (Personal Federal Supplemental Educational Step 6 Identification Number) to “sign” your online Opportunity Grant (SEOG) TAP application. If you don’t apply for TAP Federal Work-Study (FWS) Make sure you know what you need to do to keep your financial aid, such as required online you can request an Express TAP Job programs from private colleges and Application (ETA) by contacting the grades and coursework. And, you must universities apply to renew your financial aid each Federal Perkins Loan year – on time –or risk losing it! Check your 2 Federal Direct Loan college’s deadli nes.

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Applying for Financial Aid Facts about the Expected Family File the FAFSA Contribution (EFC) Complete and mail the Free Application 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 and will not change regardless of the price hasn’t yet completed its income tax returns, of the college you choose. estimate your family’s income as accurately as The Parent Contribution for federal financial possible. You’ll have the opportunity to make aid is calculated using a national formula corrections later in the process. that considers income, taxes paid, family Some colleges may ask you to complete the size, savings, certain assets, certain debts, college’s own financial aid application to be number of children in college and the age considered for their college-funded grants, of parent(s). Always apply for aid scholarships and loans. Obtain the forms from The EFC figure may be pushed higher or Even if you think you’re not eligible for aid or the colleges, if required, and be sure to meet lower with variations in other factors (for did not receive aid for a prior year, apply. the filing deadline. example, if just one parent works, the age Financial aid programs and family situations When you file the FAFSA you will be of the older parent, the size of your family). can change. Don’t limit your choices now considered for: The Parent Contribution is roughly divided or in the future. Grants and scholarships from private by the number of children attending colleges and universities (some colleges may college at least half time. More than 8 out of every 10 students receive require an additional form) Colleges may consider special financial ﬁnancial assistance to attend college. Federal Pell Grant hardships. Document extraordinary Federal Supplemental Educational circumstances that affect your family’s Each year, NewYork’s Independent Sector Opportunity Grant (SEOG) ability to contribute and submit a written provides to students more than$3.3 billion explanation directly to the financial Federal Work-Study (FWS) aid office. in institutional grants and scholarships. Job programs from private colleges and universities Federal Perkins Loan Sample Expected Family Contribution (EFC) for College Costs Federal Direct Loan Calculated from the FAFSA The information you supply on your FAFSA is Net worth analyzed using a federal formula, established (assets minus what is owed by Congress, to assess your family’s financial against these assets; home Up to $43,900 $80,000 situation. The analysis considers your family’s equity is not considered) income and assets (about 5.6 percent), many Family size 45 45 expenses, the size of the family and parents’ (both parents working) need to save for retirement. In addition to Number in college 11 11 establishing your eligibility for the programs bulleted above, the results of the analysis will Total income estimate how much you (Student Contribution) before taxes EFC EFC EFC EFC and your parent(s) (Parent Contribution) can reasonably contribute toward college $0 - $25,000 $0 $0 $0 $0 costs for the year, no matter the cost of $30,000 $0 $0 $0 $0 college. This is known as the Expected Family $40,000 $903 $0 $903 $0 Contribution (EFC). $50,000 $2,429 $1,388 $3,375 $2,333 $60,000 $4,035 $2,914 $5,232 $3,926 The federal formula used to determine your $70,000 $6,087 $4,625 $7,680 $5,940 EFC is complex. As every family is unique, $80,000 $8,802 $6,844 $10,821 $8,598 use the chart at right as a general guide. $90,000 $11,714 $9,491 $13,733 $11,510 The colleges you list on your FAFSA will receive $100,000 $14,503 $12,280 $16,522 $14,299 your EFC analysis and put together a “financial $110,000 $17,293 $15,070 $19,312 $17,089 aid package” to help you meet your financial $120,000 $20,371 $18,148 $22,390 $20,167 need. See pages 4-5 for more about financial need and financial aid packages. Based on 2013-14 federal methodology; parent age 45; two parents working. 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

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Your College Aid Packages Your bill from the college you choose to Financial aid packages attend will include the direct costs of Private colleges with traditional deadlines will tuition, required fees, housing and a meal begin mailing financial aid awards in the spring. plan (if applicable). The other costs in the Every financial aid award letter will be COA, the estimated indirect costs associated different. When you receive your award with attending the college for the academic letters, evaluate them carefully, assess the year (travel, books, and personal expenses), direct and indirect costs associated with you will pay as needed. Be sure to include attending each college, choose the college these estimates in your college comparisons. you will attend, and accept its offer by the stated deadline. If you don’t, you may lose it. What is financial need? Notify all the colleges to which you applied of Financial need is the difference between a your final decision. college’s annual COA and your expected family contribution (EFC). As every family is Since 1974, New York’s Tuition Building a financial different, with a different EFC (see page 3), each college will calculate a unique package Assistance Program (TAP) has provided aid package for every student. Since college costs vary, grants to New Yorkers studying full time the packages you receive from the colleges When the colleges you listed on your that accept you for admission will all be in an undergraduate program at a FAFSA receive your EFC (Expected Family different. college or university in the state helping Contribution) analysis, each college will build a financial aid “package” or “award” for $ Annual College Cost more than 4 million students achieve a you. Each college’s financial aid package will of Attendance (COA) college education. Today, TAP helps be composed of different types of financial aid to help you cover all or part of the – $ Your Family’s Expected more than 310,000 moderate income college’s cost of attendance (tuition, fees, Contribution (EFC) room and board, books, transportation, students meet college expenses. personal expenses). The financial aid =$ Your Financial Need packages you receive will depend primarily on your calculated financial need (see Families in the sample packages on the next explanation below) and the availability of page have one child in college. If, however, funds at each college. Remember, every Questions to ask your family has two children in college college is different. Your academic profile and rather than one, your calculated EFC will be the college other achievements may influence the size divided roughly in half between the two and composition of any merit-based aid children. Remember that for federal aid, the in your package. Colleges have very little Which forms are required to be EFC is calculated in the same way and will flexibility in awarding need-based aid. considered for all forms of aid? not change regardless of the college cost. What are your requirements for What is Cost of Attendance (COA)? The EFC figure may be pushed higher or lower with variations in other factors (for merit aid? For need-based aid? A college’s published Cost of Attendance example, if just one parent works, the age of What are the aid renewal (COA) or Annual College Cost is the cost to the older parent, the size of your family). requirements? attend the college for an academic year. In addition to the EFC, other variables may The COA is the sum of the following direct What are the financial aid come into play in the composition of a and indirect costs: college’s financial aid package: application deadlines? tuition the amount of money available for aid at Are there state aid programs estimated fees, such as an activities fee the college – some colleges have greater I should know about? and any mandatory insurance resources than others; When will you notify me of room and board a student’s special talent or academic my aid eligibility? estimate for books ability – some colleges will award students How will outside scholarships estimate for transportation merit-based aid for special strengths or affect my financial aid package? an estimate for personal expenses talents; grants or scholarships from other sources Do you have a monthly (e.g., state grants or scholarships, payment plan? 4 private scholarships or awards).

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Elements of a college Sample financial aid packages financial aid package The tables below show examples of financial aid packages from different colleges for several different families. You will notice that each financial aid package contains different amounts 1. Consideration of a Family’s Unique of aid. The amount of aid awarded in a financial aid package will vary based on a family’s Information EFC, federal and state 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 scholarship 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 left column for explanations of the contribute toward college costs. Income is 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 24,355 the student’s summer earnings, savings, Federal Grant (Pell and/or SEOG) 5,645 etc. (this will be specific to each college). Family Adjusted Gross Income (AGI) NYS TAP Grant* 5,000 3. The College’s Cost $20,000 Work-Study 1,500 The annual Cost of Attendance (COA) includes Federal Loans (Direct and/or Perkins) 3,500 cost of tuition, estimated fees such as an Total Financial Aid Package $40,000 activities fee and any mandatory insurance, room and board, an estimate for books, FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA) $50,000 transportation, and personal expenses. Estimated Family Contribution (EFC) - 3,815 4. Putting a Package Together: Family’s Family of 4, 1 in college Family’s Need 46,185 Need for Aid NYS Resident Institutional Grant/Scholarship 38,070 The college subtracts the family’s EFC from Federal Grant (Pell and/or SEOG) 1,595 the COA and arrives at the family’s need Family Adjusted Gross Income (AGI) NYS TAP Grant* 1,020 (COA – EFC = Need) for federal financial aid $60,000 Work-Study 2,000 programs, some state programs, and in some Federal Loans (Direct and/or Perkins) 3,500 cases, for the college’s own aid. Total Financial Aid Package $46,185 Note: Colleges that request another financial aid form in addition to the FAFSA do so to look more closely FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA) $35,000 at the family’s financial situation before awarding institutional aid (aid from the college itself). Estimated Family Contribution (EFC) - 6,849 Family of 5, 1 in college Family’s Need 28,151 5. Family’s Financial Aid Package from NYS Resident Institutional Grant/Scholarship 22,151 the College Federal Grant (Pell and/or SEOG) 0 Each college’s financial aid package may 500 include all or some of the types of aid below. Family Adjusted Gross Income (AGI) NYS TAP Grant* See pages 6 -10 for more information about $80,000 Work-Study 2,000 these programs. Federal Loans (Direct and/or Perkins) 3,500 Total Financial Aid Package $28,151 a. Grant or Scholarship from the private college or university (page 6) FRESHMAN LIVING AT HOME Cost of Attendance (COA) $15,000 b. NYS TAP Grant* (page 6-7) (COMMUTER) Estimated Family Contribution (EFC) - 697 c. Federal Pell & SEOG Grant (page 6-7) Family of 4, 1 in college Family’s Need 14,303 d. Federal Work-Study (page 8) NYS Resident Institutional Grant/Scholarship 5,188 Federal Grant (Pell and/or SEOG) 4,695 e. Federal Direct & Perkins Loans (page 8) Family Adjusted Gross Income (AGI) NYS TAP Grant* 3,420 f. Total Financial Aid Package: Depending on $40,000 Work-Study 1,000 the college and the amount available for Federal Loans (Direct and/or Perkins) 0 grants or scholarships from the college’s Total Financial Aid Package $14,303 own funds, the total financial aid package may cover all of the family’s need or may leave an amount not met by the aid programs listed above, called “unmet need.” Note: Other state, federal or private grants, scholarships or loans may be available but are not If this occurs, there are other alternatives. reflected in the sample packages. *Program for New York State residents. 5

Grants and Scholarships 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 billion family size and the number of children in college. To apply, file the FAFSA. Aid from a college may range up to $40,000 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 Funded jointly by the federal government primarily by financial need as calculated and the colleges, SEOG awards range from from the financial aid forms you completed According to the U.S. Bureau of $100 up to $4,000 per year to full- or part- (need-based awards). Colleges may also time enrolled undergraduate students with Labor Statistics, in 2012, bachelor’s take into account academic achievement, financial need who are Pell Grant recipients or talent in athletics, music or other fields with the lowest EFCs. Colleges select degree recipients age 25 and over (merit awards). recipients and determine award amounts earned 63% more a week than To be considered for grants and based on the SEOG funds available at their scholarships from many private colleges college. To apply, file the FAFSA. those with a high school diploma. and universities, you’ll be asked to file NYS Tuition Assistance Program Source: Bureau of Labor Statistics, the FAFSA. An additional college-specific www.bls.gov/emp/ep_chart_001.htm. Accessed financial aid application or the PROFILE (TAP) grants at private colleges and July 26, 2013 . may also be required. Check with each universities = $232 million financial aid office to determine which TAP is a grant program for NYS residents Grants and scholarships are funds forms you need to complete to be attending a NYS college full time. In you do not have to repay. They are considered for all need-based and merit- 2013-14, awards for first-time freshmen available from colleges, your state, the based aid. See pages 12-15 for college at private colleges and universities ranged federal government, professional and contact information. File the FAFSA as up to $5,000 per year for up to four years (five service organizations, private foundations soon as possible after January 1. File years for certain programs). and many employers. Some grants are all other financial aid forms by their Eligibility for TAP is based on NYS net based on your financial need while others specified deadlines. are awarded for academic merit, a taxable income plus state, federal or local specific career goal, special talent or Federal Pell Grants at NYS private government pension income. The chart on group affiliation. colleges and universities = $483 million page 7 shows TAP awards at selected federal adjusted gross incomes minus NYS Work-Study programs provide Pell Grants are awarded to undergraduate exemptions and standard deductions. Note opportunities to earn money while students enrolled full or part time in a that, if you itemize your deductions, your you’re in college by working part time degree or approved certificate program. estimated NYS taxable income will be lower on campus or in the community. In 2013-14, Pell Grant awards ranged up to and your TAP award will be higher. $5,645 per year. (See chart on page 7.) Educational loans for college costs may be made to you and/or your parents. This aid must be repaid, usually with interest. Some loans are based on NYS Tuition Assistance Program (TAP), Pell, financial need. Federal education loan and Institutional Grants in Independent Sector programs most often provide the lowest interest rates. These include: federal $4.0 $4 billion Source: National Center Direct loans, federal Perkins loans, for Education Statistics; and federal PLUS loans. Institutional Grants Higher Education $3.0 Services Corp. annual Pell reports; National Alternatives for parents and students Association of may include interest-free monthly tuition TAP Independent Colleges payment plans, federal PLUS loans, lines of $2.0 and Universities. credit, tuition tax deductions and credits. (billions of dollars) $1.0 $483 million $232 million $0 6 1980 1990 2000 2012

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 1 2 1 2 1 2 1 2 Parent income before taxes $0 – 25,000 $5,645 $5,645 $5,645 $5,645 $5,645 $5,645 $5,645 $5,645 35,000 5,495 5,295 5,645 5,645 5,645 5,645 5,645 5,645 40,000 4,695 4,895 5,645 5,645 5,595 5,295 5,645 5,645 45,000 3,995 4,495 4,995 4,995 4,795 4,895 5,645 5,395 50,000 3,195 4,095 4,295 4,595 4,095 4,495 5,095 5,095 55,000 2,495 3,695 3,495 4,295 3,295 4,195 4,395 4,695 60,000 1,595 3,195 2,695 3,895 2,595 3,795 3,595 4,295 62,000 1,295 2,995 2,395 3,695 2,195 3,595 3,295 4,095 65,000 695 2,695 1,895 3,395 1,695 3,295 2,795 3,895 70,000 0 2,095 995 2,895 795 2,795 1,995 3,495 75,000 0 1,395 0 2,295 0 2,195 1,195 2,995 80,000 0 0 0 1,595 0 1,495 0 2,395 83,000 0 0 0 1,195 0 995 0 1,995 85,000 0 0 0 895 0 695 0 1,795

NOTE: Based on 2013-14 federal methodology; award amounts based on 2013-14 schedule.

The TAP application process begins with TEACH Grant (Teacher Education Scholarships from private sources the FAFSA. To apply for a TAP grant, you Assistance for College and Higher Grants and scholarships are available must file a paper or online FAFSA and list Education) a college in New York. Students completing from many community and private the FAFSA online may file the TAP TEACH is a federal grant providing up organizations. Check with your school application by linking to it directly from to $4,000 per year to eligible students counselor, public library, employer, your FAFSA Confirmation Page. If you do attending a participating institution who Chamber of Commerce, union, church, not begin the online TAP application intend to teach in a public or private community and special-interest when you file the FAFSA online, or if you elementary or secondary school that organizations. complete a paper FAFSA, you will receive serves students from low-income notification from HESC by email or families. For more information, visit postcard inviting you to complete the www.studentaid.ed.gov and search for online TAP application. You may also “TEACH Grant.” request a paper ETA at that time by contacting HESC at www.hesc.ny.gov or calling 1.888.NYSHESC. NYS Tuition Assistance Program (TAP) Awards Part-time TAP Part-time TAP is available to NYS students Parent income Estimated NYS TAP awards at NYS private in the 2013-14 academic year. Students before taxes (AGI) net taxable income colleges and universities enrolled in a NYS college part time (6-11 $0 - 23,600 $ 6,600 $5,000 credits) who have completed 12 credits in 25,000 8,000 4,930 each of two preceding semesters with a 35,000 18,000 4,020 minimum 2.0 GPA will be eligible to 45,000 28,000 2,820 receive Part-time TAP depending on 55,000 38,000 1,620 need. Visit www.hesc.ny.gov, or call 65,000 48,000 500 1.888.NYSHESC for more information. 75,000 58,000 500 85,000 68,000 500 96,200 79,200 500

NOTE: Based on 2013-14 dependent undergraduate TAP award schedule (2012 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

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Major Sources of Aid Financial Aid Programs Student Loans Federal Perkins Loans In 2013-14, undergraduates could borrow Federal Direct Loans up to $5,500 per year; up to $27,500 total for undergraduate study. Graduate/ Depending on your financial need and status professional students may borrow up to as a dependent or independent student, $8,000 per year. The maximum total for there are two types of Federal Direct Loans all years of study is $60,000. The federal with varying interest rates and borrowing government will pay the fixed 5% limits: interest until you begin repayment. - Subsidized Direct Loans are available Repayment begins nine months after you Work Study only for undergraduate study. Loans first are no longer enrolled at least half time Federal Work-Study program (FWS) disbursed between July 1, 2013 and June (up to 10 years to repay). Exceptional 30, 2014 have a fixed interest rate of 3.86% financial need and the availability of Eligibility is based on financial need. for the 2013-14 academic year. The interest funds determine eligibility. To apply, file Students usually work 10 to 15 hours per on Subsidized Direct Loans is based on a the FAFSA. week during the academic year. To apply, student’s financial need as calculated from file the FAFSA. the information on the FAFSA. There is no Job programs from private colleges income cutoff as long as you demonstrate Alternatives for and universities need. Students who receive a Subsidized Direct Loan disbursed between July 1, Parents and Students Check with the college’s financial aid 2012, and July 1, 2014, will be responsible office for on-campus job availability. Federal PLUS loans for paying any interest that accrues during Community service jobs are also the six-month grace period after the PLUS Loans for parents of dependent available for work–study students. student graduates or leaves the college or undergraduate students university. Please see the table on page 9 PLUS is a federal loan program where for more information. parents and/or stepparents may borrow Changes in Federal Unsubsidized Direct Loans have a fixed up to the cost of attendance, less interest rate of 3.86% (for loans first other financial aid, each year for each Student Aid eligibility disbursed between July 1, 2013 and June undergraduate dependent child 30, 2014) and are not based on financial enrolled at least half-time. Eligibility Eligibility criteria for Federal Student Aid need. Undergraduate students must is not based on need but parents must for students who enroll in college after exhaust their Subsidized Direct Loans (if have acceptable credit history or an July 1, 2012, have changed. Students eligible) prior to using unsubsidized loans. eligible co-signer. PLUS Loans can be enrolling after July 1, 2012, must show The interest on Unsubsidized Direct Loans used to meet the calculated family that they qualify for higher education by: accrues while the student is enrolled in contribution. Having a high school diploma or college, although payments can be The interest rate is fixed at 6.41%. recognized equivalent such as a deferred until after graduation. Repayment begins upon disbursement, General Education Development (GED) and borrowers may have up to 10 years Undergraduate students may borrow certificate, or to repay. Interest may be tax deductible. up to $31,000 in Direct Loans, of which Completing a high school education in no more than $23,000 may be Subsidized. Check with the college for application a home-school setting approved under Graduate and professional students may procedures. state law. borrow up to $138,500, of which no more PLUS Loans for graduate and professional After July 1, 2012, the following are no than $65,500 may be from Subsidized degree students longer acceptable to establish eligibility undergraduate Direct Loans. Borrowing for Federal Student Aid: Graduate and professional degree limits for students in medical school students may borrow through the A passing score on an approved are higher. PLUS Loan program up to their cost of ability-to-benefit test, Repayment begins six months after you’re attendance minus other aid. Students The completion of six credit hours or no longer enrolled at least half-time. See must have first applied for maximum equivalent coursework toward a the table on page 9 for both annual and loan eligibility under the Direct Loan degree aggregate (total for your academic career) program and must have acceptable or certificate, or Direct Loan limits for undergraduate and credit history. federally-approved standards graduate study. To apply, students complete the FAFSA established by a student’s state of To apply for federal student loans, students and a Direct PLUS Loan application. residence. must first complete the FAFSA. Check with the college for loan 8 application procedures.

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Interest-free monthly payment plans New York State college tuition tax Interest-free, insured, monthly installment credit/deductions plans are available at many colleges for New York State taxpayers may take either a: payment of tuition, fees, room and board 1) tax credit or an itemized tax deduction and other expenses. Generally, 10- or for college tuition expenses at an 12-month payment options are available in-state or out-of-state institution for at no interest. Check with the college. their dependent’s, spouse’s or their own AmeriCorps undergraduate study; or, AmeriCorps is a federal volunteer 2) itemized deduction for qualified college program; participants serve for 10 to 12 tuition expenses up to a maximum of months. At the completion of service, $10,000 for each eligible student. full-time participants receive an education For more information consult your tax award that is equivalent to the maximum advisor or go to: www.hesc.ny.gov and value of the Pell Grant for the award year in search for “tuition tax credit.” which the term of service is funded. The voucher may be used to pay off qualified New York’s College Savings Program student loans or pay for future education Start a college savings program with a expenses at qualified schools. For more minimum $25 deposit. You need not be information call 1.800.942.2677, or visit a NYS resident, although NYS taxpayers Ways Your Aid www.americorps.gov. can receive a NYS income tax deduction for contributions up to $5,000 annually May Change Federal Tax Incentives (up to $10,000 for married couples filing Financial aid counselors see it all The Federal government offers tax credits jointly). Qualified withdrawals are exempt from state and federal income taxes. the time: a student loses his or her and deductions to families and students financial aid and has no idea why. with qualifying education expenses, Savings may be used to meet college costs at any eligible college or university. Financial aid – whether it is loans, including tuition and related fees, books For details: 1.877.NYSAVES or scholarships or grants – usually comes and other required course materials paid www.nysaves.org with strings attached. It is important to for higher education. Interest paid on keep on top of your grants, scholarships qualifying student loans may also be and loans – and understand what is deducted to reduce the amount of your With grants, scholarships and other required to keep your awards. Here are income subject to tax by up to $2,500. the most common ways students lose or For more information, contact your tax aid money, private colleges are often will see changes in their aid from one advisor. no more expensive – and sometimes year to the next. less costly than state colleges. 1 Not showing adequate progress toward your degree. 2 Not maintaining at least a 2.0 GPA Federal Direct Loan Limits, 2014-15 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) 3.86% 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, 2013 - June 30, 2014** 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 5.41% 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 www.direct.ed.gov, August 2013. *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, 2014. 9

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Major Sources of Aid Internet Financial Aid Programs Resources • Go College! NY – A new website designed Loan Forgiveness Programs especially for students new to the college Other Programs search process: www.GoCollegeNY.org • District Attorney and Indigent Legal Services Higher Education Opportunity Attorneys Loan Forgiveness Program†: • College Navigator, a U.S. Department of Program (HEOP) 1.888.NYSHESC Education website, allows students to Licensed Social Worker Loan Forgiveness search colleges and universities: HEOP is a comprehensive program for • Program†: 1.888.NYSHESC www.nces.ed.gov/collegenavigator academically and economically Loan Forgiveness for Public Service disadvantaged NYS students. It provides • • Federal Student Aid Information Center: Employees: 1.800.4.FED.AID financial aid to cover the majority of college 1-800-4FED-AID, or www.studentaid.ed.gov Perkins Loan Cancellation Programs: costs, academic tutoring and educational • 1.800.4.FED.AID • FAFSA4caster provides students and counseling. Colleges and universities that Direct Loan Forgiveness for Teachers: families with an opportunity to estimate currently offer HEOP may be found at: • 1.888.NYSHESC eligibility for federal student aid. www.nysed.gov (search “HEOP”). Visit: www.fafsa4caster.ed.gov Veterans Education Benefits • Funding Education Beyond High School – Scholarships/Grants A Guide to Federal Student Aid: Learn more at www.nycolleges.org or For veterans with active duty service, there are www.studentaid.ed.gov/resources www.hesc.ny.gov. a number of programs available to help with • NYS Higher Education Services Corporation – • Aid for Part-Time Study (APTS)†: the costs of college. For example, the Post-9/11 For more information on the Express TAP contact your college. GI Bill provides students attending private Application (ETA) and NYS grants and colleges and universities in New York State Flight 3407 Memorial Scholarship: scholarships: • up to $18,077.50 per per academic year. In 1.888.NYSHESC 1-888-NYSHESC, or www.hesc.ny.gov some cases, this benefit can be transferred to • Flight 587 Memorial Scholarship: other family members. For program overviews, • HOPE Scholarship and Lifetime Learning 1.888.NYSHESC visit www.gibill.va.gov/benefits/index.html. Credits and other federal incentive programs: • Military Service Recognition Scholarship www.irs.gov/publications/p970 In addition, several private, not-for-profit (MSRS): 1.888.NYSHESC • NYS college tuition tax credit/deductions: † colleges and universities in New York State • NYS Aid to Native Americans : are participating in the Yellow Ribbon Program, www.hesc.ny.gov (search “tax credit”) 1.518.474.0537 a matching program that will cover some or • The Internal Revenue Service (IRS) site • NYS Math and Science Teaching all of any tuition and fee charges not covered provides information about new tax laws (tax Incentive Scholarship: 1.888.NYSHESC by the Post-9/11 GI Bill. For additional credits and deductions for college expenses): • NYS Memorial Scholarship for Families information, visit www.gibill.va.gov/ www.irs.gov of Deceased Firefighters, Volunteer benefits/post_911_gibill/yellow_ribbon_ • Hispanic College Fund, Inc.: Firefighters, Police Officers, Peace program.html. Officers, and Emergency Medical Service www.hispanicfund.org Workers: 1.888.NYSHESC ROTC Programs • Hispanic Scholarship Fund: www.hsf.net NYS Recruitment Incentive and Retention • The Army, Marine Corps, Navy, and Air Force • United Negro College Fund, Inc.: Program (RIRP) - Army National Guard†: https://scholarships.uncf.org www.dmna.state.ny.us/education offer financial assistance to qualified students. Scholarships may range up to full tuition plus • Fastweb.com: A database of thousands of • NYS Regents Award for Children of private scholarships: www.fastweb.com Deceased and Disabled Veterans†: fees, books and uniform; a monthly stipend 1.888.NYSHESC may also be awarded. Students incur a service • New York’s 529 College Savings Program can help families save for college with Scholarship for Academic Excellence†: obligation (generally for a total of eight years) • significant tax benefits: contact your guidance office. in return for a four-year scholarship (some 1-877-NYSAVES, or www.nysaves.com • Veterans Tuition Awards†: three-, two- and even one-year scholarships 1.888.NYSHESC are available). • The Upromise® Rewards Program is a savings-through-purchase program. • World Trade Center Memorial The application deadline is usually in December Scholarship: 1.888.NYSHESC When you shop at hundreds of companies, of the high school senior year. For a list of ROTC a percentage of the purchase price is programs at private colleges and universities in deposited into a savings account. Upromise® New York go to: www.nycolleges.org (search can be tied to the New York 529 College “ROTC”). Savings Program: www.upromise.com • The College Savings Plan Network website † New York State programs for New York State residents. has information on state-sponsored prepaid tuition and college savings plans: 10 www.collegesavings.org

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Calendar For students entering college in the 2014-2015 academic year

2013 Nov. 2: SAT & Subject Tests date. April September and October Nov. 8: Registration deadline for Colleges with traditional admissions and Dec. 7 SAT & Subject Tests. financial aid deadlines will notify you of Colleges encourage visits from students and Nov. 8: Registration deadline for college acceptance and financial aid their parents/guardians. It’s your chance to “try Dec. 14 ACT. packages. Evaluate the offers. Notify all on” a campus. Use the map on pages 12-15 to Dec. 7: SAT & Subject Tests date. the colleges of your decision or request an plan your trips. Also, ask your school counselor extension, usually by May 1. Pay close about college fairs in your area. College fairs Dec. 14: ACT test date. attention to those deadlines! offer good opportunities to talk with college Dec. 27: Registration deadline for representatives and start to build relationships. Jan. 25 SAT & Subject Tests. If you still wish to expand your options, some colleges will accept admissions and financial Collect admission applications from colleges. aid applications at this time. Visit Contact the admission offices directly by phone 2014 www.nycolleges.org/view-college-information or email. January for college contact information. Ask your teachers and others for the letters of Attend local college financial aid awareness Apr. 4: Registration deadline for recommendation you need for your admission May 3 SAT & Subject Tests. applications. Make a list of all admission and activities and workshops. Apr. 12: ACT test date. financial aid application deadlines! As soon as possible after January 1, complete Sep. 6: Registration deadline for and mail your FAFSA, or complete it online at Oct. 5 SAT & Subject Tests. www.fafsa.ed.gov. Estimate your income if you May and June Sep. 21: ACT test date. have not yet completed your tax returns. Keep May 1 is the traditional deadline for students a copy of all the forms you file. Complete and to notify colleges of their college choice. If Sep. 27: Registration deadline for submit all other required financial aid forms. you decline admission and have received an Oct. 26 ACT. Watch your deadlines! You’ll receive your aid package, notify the college financial aid Oct. 3: Registration deadline for Student Aid Report (SAR) within four weeks office so it can offer the award to another Nov. 2 SAT & Subject Tests. after filing your FAFSA by mail; sooner if you student. complete it online. Review your SAR carefully. Oct. 5: SAT & Subject Tests date. Follow directions to correct errors. NYS residents applying for TAP: Check your Oct. 16: PSAT/NMSQT test date. email for correspondence from HESC about Jan. 10: Registration deadline for Oct. 19: PSAT/NMSQT test date. your TAP award. If you decide to attend a Feb. 8 ACT - Outside NYS only. college in New York State, review, provide Oct. 26: ACT test date. Jan. 25: SAT & Subject Tests date. additional information, or make corrections to your TAP application information as November and December February and March necessary or if requested by HESC. If you applied by mail, review, correct information if Explore all financial aid sources, including If you have not already done so, visit the necessary and return your Express TAP scholarships from local businesses, colleges. Application (ETA) to HESC. Be sure your TAP organizations, employers, churches, etc. Award Certificate contains the code for the Ask for help at your public library and Start to look for a summer job. college you will attend. Visit www.hesc.ny.gov guidance/college office. Attend financial aid In March, many colleges will begin to notify for more information, or call 1.888.NYSHESC. workshops and college fairs. students of college acceptance. See April for Follow up on the progress of your grants, Continue completing your college applications. more information. scholarships, loans, work-study and other Pay careful attention to the deadlines! New York State students who file the FAFSA forms of student aid. online may apply for TAP online by linking to it If you plan on completing the FAFSA May 3: SAT & SAT Subject Tests date. online (recommended), get a federal directly from your FAFSA confirmation page. student aid PIN for you and your parents For more information call 1.888.NYSHESC. May 5-9 Advanced Placement at www.pin.ed.gov. Obtain the Free Feb. 7: Registration deadline for & 12 -16: Program® Exams. Application for Federal Student Aid (FAFSA) Mar. 8 SAT only. May 9: Registration deadline for worksheet from your school counselor or Feb. 8: ACT test date - Outside Jun. 7 SAT & Subject Tests. online at www.fafsa.ed.gov. Check with all NYS only. May 9: Registration deadline for the colleges to which you are applying to Jun.14 ACT. determine if there are other financial aid Mar. 7: Registration deadline for forms you must complete to qualify for all Apr. 12 ACT. Jun. 7: SAT & SAT Subject Tests date. types of aid. Obtain all required forms. Mar. 8: SAT only test date; U.S. only. Jun. 14: ACT test date.

Don’t forget to send thank-you notes to all who NOTE: Register for the SAT® exams on line at www.collegeboard.org. helped you through the college search. Register for ACT Assessment® exams on line at www.act.org. Registration deadlines listed here refer to regular U.S. postmark dates. Visit above websites for international deadlines and U.S. late registration deadlines. 11

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 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 Western New York with bachelor’s degrees indicated by (B) and associate degrees indicated by (A). Campuses that offer graduate degrees (master’s, doctorate, or first professional) 1. Alfred University 800.541.9229 are indicated by (G). Alfred (B,G) www.alfred.edu/admissions 2. Canisius College 800.843.1517 KEY: College Name Phone Buffalo (B,G) www.canisius.edu/admissions City (Degrees Offered) Web 3. D’Youville College 800.777.3921 Buffalo (B,G) www.dyc.edu/admissions * Graduate-only campus. 4. Daemen College 800.462.7652 Amherst (B,G) www.daemen.edu/admissions 5. Hilbert College 800.649.8003 Hamburg (A,B,G) www.hilbert.edu/admissions Central New York 6. Houghton College 800.777.2556 1. Cazenovia College 800.654.3210 Houghton (A,B,G) www.houghton.edu/admission Cazenovia (A,B) www.cazenovia.edu/admissions 7. Medaille College 800.292.1582 2. Colgate University 315.228.7401 Buffalo (A,B,G) www.medaille.edu Hamilton (B,G) www.colgate.edu 8. Medaille College/Amherst Campus 888.252.2235 3. Le Moyne College 800.333.4733 Amherst (A,B,G) www.medaille.edu Syracuse (B,G) www.lemoyne.edu 9. Niagara University 800.462.2111 4. St. Joseph’s College of Nursing at 315.448.5040 Niagara Falls (A,B,G) www.niagara.edu/admissions St. Joseph’s Hospital Health Center www.sjhcon.org/admissions Syracuse (A) 10. St. Bonaventure University 800.462.5050 St. Bonaventure (B,G) www.sbu.edu/admissions 5. Syracuse University 315.443.3611 Syracuse (A,B,G) http://admissions.syr.edu 11. Trocaire College 716.827.2545 Buffalo (A,B) www.trocaire.edu/admissions 6. Wells College 800.952.9355 Aurora (B) www.wells.edu/admissions 12. Villa Maria College of Buffalo 716.961.1805 Buffalo (A,B) www.villa.edu/admission Finger Lakes Southern Tier 1. Cornell University 607.255.5241 1. Finger Lakes Health College of 315.787.4005 Ithaca (B,G) http://admissions.cornell.edu Nursing Geneva (A) www.flhealth.org/nursingeducation 2. Elmira College 800.935.6472 2. Hobart and William Smith Colleges 800.852.2256 Elmira (A,B,G) www.elmira.edu/admissions Geneva (B,G) www.hws.edu/admissions 3. Ithaca College 800.429.4274 3. Keuka College 800.33.KEUKA Ithaca (B,G) www.ithaca.edu/admission Keuka Park (B,G) www.keuka.edu 4. Medaille College/Rochester Campus 585.272.0030 Rochester (A,B,G) www.medaille.edu Mohawk Valley 5. Nazareth College 585.389.2860 1. Hamilton College 800.843.2655 Rochester (B,G) http://admissions.naz.edu Clinton (B) www.hamilton.edu/admission 6. New York Chiropractic College 800.234.6922 2. Hartwick College 888.HARTWICK Seneca Falls (G) * www.nycc.edu Oneonta (B) www.hartwick.edu/admissions 7. Roberts Wesleyan College 800.777.4RWC 3. St. Elizabeth College of Nursing 315.798.8144 Rochester (A,B,G) www.roberts.edu/admissions Utica (A) www.secon.edu 8. Rochester Institute of Technology 585.475.6631 4. Utica College 800.782.8884 Rochester (A,B,G) www.rit.edu/emcs/admissions Utica (B,G) www.utica.edu 9. St. John Fisher College 800.444.4640 Rochester (B,G) www.sjfc.edu/admissions/freshman/ 10. University of Rochester and 888.822.2256 North Country Eastman School of Music http://enrollment.rochester. Rochester (B,G) edu/admissions/ 1. Clarkson University 800.527.6577 Potsdam (B,G) www.clarkson.edu/admissions 2. Paul Smith’s College 800.421.2605 Paul Smiths (A,B) www.paulsmiths.edu 3. St. Lawrence University 800.285.1856 Canton (B,G) www.stlawu.edu 12

North Country

4 15

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

1 3 3 4 See Mid-Hudson, New York City and Long Island on next page Capital District

1. Albany College of Pharmacy 888.203.8010 and Health Sciences, Albany (B,G) www.acphs.edu/admissions.aspx 2. Albany Law School 518.445.2326 Albany (G) * www.albanylaw.edu 3. Albany Medical College 518.262.5521 Albany (G) * www.amc.edu/academic 4. The Belanger School of Nursing 518.243.4471 Schenectady (A) www.ehson.org 12. Samaritan Hospital School 518.271.3285 5. The College of Saint Rose 800.637.8556 of Nursing, Troy (A) www.nehealth.com/son Albany (B,G) www.strose.edu/admissions 13. Siena College 888.AT.SIENA 6. Excelsior College 888.647.2388 Loudonville (B,G) www.siena.edu/admissions Albany (A,B,G) www.excelsior.edu/admissions 14. Skidmore College 800.867.6007 7. Maria College 518.438.3111 x217 Saratoga Springs (B,G) www.skidmore.edu/admissions Albany (A,B) www.mariacollege.edu 15. Union College 888.843.6688 8. Memorial School of Nursing 518.471.3260 Schenectady (B) www.union.edu/admissions Albany (A) www.nehealth.com/son 16. Union Graduate College 518.631.9831 9. Rensselaer Polytechnic Institute 518.276.6216 Schenectady (G) * www.uniongraduatecollege.edu Troy (B,G) http://admissions.rpi.edu 10. The Sage Colleges/Russell Sage 888.VERY.SAGE College (B), Sage Graduate School www.sage.edu/admission Troy (G) * 11. The Sage Colleges/Sage College 888.VERY.SAGE of Albany, Albany (B) www.sage.edu/admission 13

6 16 Mid-Hudson Poughkeepsie 30

20 1. Bard College 845.758.7472 9 Annandale-on-Hudson (A,B,G) www.bard.edu/admission * Graduate-only campus. 2. Cochran School of Nursing 914.964.4296 Yonkers (A) www.cochranschoolofnursing.us 19 21 3. The College of New Rochelle 800.933.5923 10 14 15 New Rochelle (B,G) www.cnr.edu 23 27 12 25 Long Island 4. The College of New Rochelle/School of 800.933.5923 7 13 18 24 26 22 29 New Resources, New Rochelle (B) www.cnr.edu 17 4 3 4 11 12 5. Concordia College 800.YES.COLLEGE 5 28 2 6 Bronxville (A,B,G) www.concordia-ny.edu 8 15 14 6. The Culinary Institute of America 800.CULINARY Bronx 8 campuses 8 5 9 Hyde Park (A,B) www.ciachef.edu 1 Manhattan 34 campuses 3 11 7. Dominican College 866.432.4636 7 2 10 Orangeburg (A,B,G) www.dc.edu Staten Island 2 campuses 13 8. Dorothea Hopfer School of Nursing 914.361.6221 Brooklyn 10 campuses Mount Vernon (A) www.hopfer.org Queens 4 campuses 9. Fei Tian College 845.672.0550 Cuddebackville (B) http://feitiancollege.org 10. Fordham University/Westchester 914.367.3426 Campus, West Harrison (G) * www.fordham.edu/admiss/index.asp New York City 11. Iona College 800.231.IONA (The 5 Boroughs) New Rochelle (B,G) www.iona.edu/admissions 12. Iona College Rockland Graduate Center 866.850.IONA Bronx Pearl River (G) * www.iona.edu/rockland 1. Albert Einstein College of Medicine 718.430.2000 13. LIU Hudson 845.359.7200 of Yeshiva University (G) www.einstein.yu.edu Orangeburg (G) * www.liu.edu/hudson 2. Boricua College/Bronx Campus 347.964.8600 14. LIU Hudson 800.GRAD.LIU (A,B,G) www.boricuacollege.edu Purchase (G) * www.liu.edu/hudson 3. College of Mount Saint Vincent 800.665.CMSV 15. Manhattanville College 800.328.4553 Riverdale (A,B,G) www.mountsaintvincent.edu Purchase (B,G) www.mville.edu/ 4. The College of New Rochelle/School 800.933.5923 16. Marist College 800.436.5483 of New Resources/Co-op City (B) www.cnr.edu Poughkeepsie (B,G) www.marist.edu/admission 5. The College of New Rochelle/School 800.933.5923 17. Mercy College/Dobbs Ferry Campus 877.MERCY.GO of New Resources/John Cardinal www.cnr.edu (main campus), Dobbs Ferry (A,B,G) www.mercy.edu/admissions O’Connor Campus (B) 18. Mercy College/Yorktown Campus 877.MERCY.GO 6. Fordham University (B,G) 800.FORDHAM Yorktown Heights (B,G) www.mercy.edu/admissions www.fordham.edu/admissions 19. Mount Saint Mary College 888.YES.MSMC 7. Manhattan College 800.MC2.XCEL Newburgh (B,G) www.msmc.edu/admissions Riverdale (B,G) www.manhattan.edu 20. New York Medical College 914.594.4000 8. Mercy College/Bronx 877.MERCY.GO Valhalla (G) * www.nymc.edu Campus (A,B,G) www.mercy.edu/admissions 21. New York University/Silver School 212.998.5910 Brooklyn of Social Work at St. Thomas Aquinas www.nyu.edu/socialwork College, Sparkill (G) * 1. Boricua College/Brooklyn Campus (A,B,G) www.boricuacollege.edu Northside Center 718.782.2200 22. Nyack College and Alliance 800.33NYACK (College) Graham Center 718.963.4112 Theological Seminary, Nyack (A,B,G) 800.541.6891 (Seminary) www.nyack.edu/admissions 2. Bramson ORT College/ 718.259.5300 Extension Center (A) www.bramsonort.edu/admissions 23. Pace University/Lubin Graduate 914.422.4283 Center, White Plains (G) * www.pace.edu/prospectivestudents/ 3. The College of New Rochelle/School of 800.933.5923 graduate New Resources/Brooklyn Campus (B) www.cnr.edu 24. Pace University/Pleasantville- 800.874.PACE 4. Institute of Design and Construction (A) 718.855.3661 Briarcliff Campus, Pleasantville (A,B,G) www.pace.edu/prospectivestudents/ www.idc.edu undergraduate 5. LIU Brooklyn 800.LIU.PLAN 25. Pace University/White Plains Campus 914.422.4210 (A,B,G) www.liu.edu/brooklyn/admissions.aspx School of Law, White Plains (G) * www.law.pace.edu/admissions 6. Polytechnic Institute of 800.POLYTEC 26. Polytechnic Institute of New York 914.323.2000 New York University (B,G) www.poly.edu/admissions University/Westchester Graduate www.poly.edu/westchester 7. Pratt Institute (B,G) 800.331.0834 Center, Hawthorne (G) * www.pratt.edu/admissions 27. Sarah Lawrence College 800.888.2858 8. St. Francis College 718.489.5200 Bronxville (B,G) www.slc.edu/admission Brooklyn Heights (A,B,G) www.sfc.edu/admissions 28. St. Thomas Aquinas College 800.999.STAC 9. St. Joseph’s College/Brooklyn 718.940.5800 Sparkill (A,B,G) www.stac.edu Campus (B,G) www.sjcny.edu/admissions 29. Vassar College 800.827.7270 10. Touro College www.touro.edu Poughkeepsie (B,G) www.admissions.vassar.edu Lander College/Flatbush (A,B,G) 718.252.7800 14

© 2013 Commission on Independent Colleges and Universities (cIcu), 17 Elk St., Albany, NY 12224. www.cicu.org, www.nycolleges.org. 518-436-4781 Manhattan 26. The Rockefeller University (G) * 212.327.8086 www.rockefeller.edu/graduate 1. American Academy McAllister 866.932.2264 Institute of Funeral Service (A) www.funeraleducation.org 27. St. John’s University/ 888.9STJOHNS Manhattan Campus (B,G) www.stjohns.edu/admission 2. American Museum of Natural 212.769.5055 History, Richard Gilder Graduate http://rggs.amnh.org 28. Teachers College, 212.678.3710 School (G) * Columbia University (G) * www.tc.columbia.edu/admissions/index.asp 3. Bank Street College of 212.875.4404 29. Touro College (A,B,G) 212.463.0400 Education (G) * www.bankstreet.edu www.touro.edu 4. Barnard College (B) 212.854.2014 30. Touro College/Harlem site (A,B,G) 212.463.0400 www.barnard.edu/admissions www.touro.edu 5. Boricua College (A,B,G) 212.694.1000 31. Touro College of Osteopathic 212.851.1199 www.boricuacollege.edu Medicine (G) * www.touro.edu/med 6. The College of New Rochelle/ 800.933.5923 32. Weill Cornell Graduate School 212.746.6565 School of New Resources/ www.cnr.edu of Medical Sciences (G) * http://weill.cornell.edu/ District Council 37 (B) gradschool/ 7. The College of New Rochelle/ 800.933.5923 33. Weill Cornell Medical College (G) * 212.746.1067 School of New Resources/ www.cnr.edu www.med.cornell.edu/education/ Rosa Parks Campus (B) admissions 8. Columbia University (B,G) 212.854.2522 34. Yeshiva University (A,B,G) 212.960.5277 http://undergrad.admissions. www.yu.edu/admissions columbia.edu Queens 9. Cooper Union (B,G) 212.353.4120 1. Bramson ORT College 718.261.5800 x640 www.cooper.edu/admissions Forest Hills (A) www.bramsonort.edu/admissions 10. Fordham University/Lincoln Center 800.FORDHAM 2. St. John’s University/Queens 888.9STJOHNS Campus (B,G) www.fordham.edu/admissions Campus (main campus) (A,B,G) www.stjohns.edu/admission 11. Helene Fuld College of Nursing (A,B) 212.616.7282 3. Touro College 718.820.4800 www.helenefuld.edu The Lander College for Men (B) http://lcm.touro.edu 12. The King’s College (B) 888.969.7200 Other sites: See www.touro.edu www.tkc.edu/admissions 4. Vaughn College of Aeronautics 866.6VAUGHN 13. Manhattan School of Music (B,G) 917.493.4436 and Technology, Flushing (A,B,G) www.vaughn.edu www.msmnyc.edu 14. Marymount Manhattan College (B) 800.MARYMOUNT Staten Island www.mmm.edu/index_adm.html 1. St. John’s University/Staten Island 888.9STJOHNS 15. Mercy College/Manhattan 877.MERCY.GO Campus (A,B,G) www.stjohns.edu/admission Campus (B,G) 2. Wagner College (B,G) 718.390.3411 www.mercy.edu/admissions www.wagner.edu/admissions 16. Metropolitan College of 800.33THINK x5001 New York (A,B,G) www.mcny.edu/admissions/ admissions1.php Long Island 17. The New School: Eugene Lang College The New 800.292.3040 1. Adelphi University 800.ADELPHI School for Liberal Arts (B) www.newschool.edu/lang/admission Garden City (A,B,G) http://admissions.adelphi.edu Mannes College The New School 800.292.3040 2. Dowling College 800.369.5464 for Music (B,G) www.newschool.edu/mannes/ Oakdale (B,G) www.dowling.edu/admissions admission 3. Hofstra University 800.HOFSTRA Parsons The New School for 800.292.3040 Hempstead (B,G) www.hofstra.edu/admission Design (A,B,G) www.newschool.edu/parsons/ admission 4. LIU Brentwood 631.273.5112 Brentwood (B,G) www.liu.edu/brentwood/admissions The New School for Jazz and 800.292.3040 Contemporary Music (B) www.newschool.edu/jazz/admission 5. LIU Post 800.LIU.PLAN Brookville (B,G) www.liu.edu/cwpost/Admissions The New School for Public 800.292.3040 Engagement (B,G) www.newschool.edu/public- 6. LIU Riverhead 631.287.8010 engagement/admission Riverhead (B,G) www.liu.edu/Riverhead/Admissions The New School for Social 800.292.3040 7. Molloy College 888.4MOLLOY Research (G) * www.newschool.edu/nssr/ Rockville Centre (A,B,G) www.molloy.edu/admissions-and-aid 18. New York College of 800.526.6966 8. New York Institute of Technology/ 800.345.NYIT Podiatric Medicine (G) * www.nycpm.edu Old Westbury Campus www.nyit.edu/admissions Old Westbury (A,B,G) 19. New York Institute of Technology/ 800.345.NYIT Manhattan Campus (A,B,G) www.nyit.edu/admissions 9. Polytechnic Institute of New York 631.755.4300 University/Long Island Graduate www.poly.edu/li/admissions 20. New York School of Interior 800.33.NYSID Center, Melville (G) * Design (A,B,G) www.nysid.edu/admissions 10. St. John’s University/ 800.9STJOHNS 21. New York University (A,B,G) 212.998.4500 Oakdale Campus, Oakdale (G) * www.stjohns.edu http://admissions.nyu.edu 11. St. Joseph’s College/Long Island 631.687.5100 22. Nyack College and Alliance 800.33NYACK (College) Campus, Patchogue (B,G) www.sjcny.edu/admissions/apply-now/85 Theological Seminary, Nyack (A,B,G) 800.541.6891 (Seminary) www.nyack.edu/admissions 12. Touro College/Jacob D. Fuchsberg 631.761.7010 Law Center, Central Islip (G) * www.tourolaw.edu 23. Pace University/New York City 800.874.PACE Campus (A,B,G) www.pace.edu/prospectivestudents/ 13. Touro College/School of Health 866.TOURO.4.U undergraduate Sciences, Bay Shore (G) * www.touro.edu/shs 24. Phillips Beth Israel School 212.614.6114 14. Watson School of Biological Sciences 516.367.6890 of Nursing (A) www.futurenursebi.org at Cold Spring Harbor Laboratory www.cshl.org/gradschool Cold Spring Harbor (G) * 25. Pratt Institute/Manhattan 800.331.0834 Campus (A,B,G) www.pratt.edu/admissions 15. Webb Institute 866.708.WEBB Glen Cove (B) www.webb-institute.edu 15

Financial Aid • Pages 2-10 New York’s 100+ Private Colleges and Universities • Six Steps to Financial Aid Adelphi University Hamilton College Polytechnic Institute of NYU • Applying for Financial Aid Albany College of Pharmacy and Hartwick College Pratt Institute • Your Aid Packages Health Sciences Helene Fuld College of Nursing Rensselaer Polytechnic Institute • Financial Aid Programs: Sources of Aid Albany Law School Hilbert College Roberts Wesleyan College Albany Medical College Hobart and William Smith Colleges Rochester Institute of Technology Internet Resources • Page 10 Alfred University Hofstra University The Rockefeller University The most important financial aid forms are American Academy McAllister Houghton College The Sage Colleges available online. Learn where to go on the Web Institute Institute of Design and Construction Samaritan Hospital School of for answers to your financial aid and college American Museum of Natural Iona College Nursing search questions. History, Richard Gilder Graduate Sarah Lawrence College School Ithaca College Siena College Calendar • Page 11 Bank Street College of Education Keuka College Skidmore College Now is the time to make an organized plan for Bard College The King’s College your college search. Be sure you leave enough St. Bonaventure University Barnard College Le Moyne College time to meet the deadlines for your admission St. Elizabeth College of Nursing and financial aid applications. The Belanger School of Nursing Long Island University St. Francis College Boricua College Manhattan College St. John Fisher College Campus Locator • Pages 12-15 Bramson ORT College Manhattan School of Music St. John’s University From phone numbers to Web addresses and Canisius College Manhattanville College St. Joseph’s College degrees offered, this campus locator map Cazenovia College Maria College and directory puts New York’s 100+ private St. Joseph’s College of Nursing at Clarkson University Marist College colleges at your fingertips. St. Joseph’s Hospital Health Center Cochran School of Nursing Marymount Manhattan College St. Lawrence University Colgate University Medaille College St. Thomas Aquinas College College of Mount Saint Vincent Memorial School of Nursing Syracuse University The College of New Rochelle Mercy College Teachers College, Columbia Metropolitan College of New York The College of Saint Rose University Molloy College Columbia University Touro College Mount Saint Mary College Concordia College Trocaire College Nazareth College Cooper Union Union College The New School Cornell University Union Graduate College New York Chiropractic College The Culinary Institute of America University of Rochester New York College of Podiatric D’Youville College Utica College Medicine Daemen College Vassar College New York Institute of Technology Dominican College Vaughn College of Aeronautics New York Medical College Dorothea Hopfer School of Nursing and Technology New York School of Interior Design Dowling College Villa Maria College of Buffalo New York University Visit www.nycolleges.org, Elmira College Wagner College Niagara University New York’s 100+ private colleges Excelsior College Watson School of Biological Sciences Nyack College Fei Tian College at Cold Spring Harbor Laboratory and universities’ admissions and Pace University Finger Lakes Health College of Webb Institute financial aid website: Nursing Paul Smith’s College Wells College Fordham University Phillips Beth Israel School of Yeshiva University Find a campus Nursing Find out what academic programs the colleges offer Read campus profiles

Learn about financial aid Commission on Independent Request more information Colleges and Universities 17 Elk Street, PO Box 7289 Affording College is published annually by the Commission on Independent Albany, NY 12224-0289 Colleges and Universities (cIcu), a not-for-profit organization, 17 Elk Street, Download admission and PO Box 7289, Albany, NY 12224-0289. Vol. 16, November 2013. financial aid publications email: [email protected] Phone: (518) 436.4781 Design: Ambrosino Design, Inc., Saratoga Springs, NY Fax: (518) 433.8825 NOTE: While we make every effort to ensure accuracy, always verify information www.nycolleges.org with the colleges directly. ©2013 by the Commission on Independent Colleges and Universities (cIcu). www.cicu.org All rights reserved. No part of this publication may be copied (photocopied, reproduced, translated, or reduced to any electronic medium or machine-readable form) without prior written consent.