Expenses and Financial Aid

Office of Student Financial Services

Levermore Hall, Lower Level, Room 1

p – 516.877.3080
e – financialservices@adelphi.edu
w - financial-aid.adelphi.edu

Information for All Adelphi Students on Expenses and Financial Aid

The Office of Student Financial Services is committed to providing students with all available options for meeting their educational costs at Adelphi. The staff is available by appointment or on a walk-in basis to discuss financial aid options.

To make an appointment to meet with a financial aid counselor for an in-depth consultation call 516.877.3080. For the schedule of office hours or for additional information, visit the Student Financial Services website at financial-aid.adelphi.edu.

Tuition and Fees

The following Tuition and Fee Policy pertains to the 2022-2023 academic year. The Board of Trustees of Adelphi University reserves the right to change this tuition and fee schedule without prior notice. For the most current information regarding tuition and fees, check our website at financial-aid.adelphi.edu/tuition or call the Office of Students Financial Services at 516.877.3080.

Charges billed by the University are outlined below. Students and parents, however, should be prepared to pay for expenditures associated with books, travel and personal items. Additional fees and charges for specific courses, as detailed in the class schedule, also may be assessed.

Tuition and Fee Rates

See sections for Undergraduate or Graduate study later in this section.

Payment Options

Traditional Payment Options

Please visit the Cashier’s Office in the lower level of Levermore Hall to make your payment via cash, check, money order or by credit card (MasterCard, Visa and Discover only, card must be present, with no additional processing fee). Please note that the University will not accept credit card payments via phone or mail. If you choose to pay your bill by credit card and cannot visit the Cashier’s Office, please see the online payment options below. You may also mail your check or money order made payable to Adelphi University directly to the remittance address listed on your bill. Please write your student identification number on the check on the “Memo” line.

Online

via ecampus.adelphi.edu

Electronic Check Payment: If you choose this method there is no fee and payment is simply withdrawn from your checking account the following day and forwarded to Adelphi University on your behalf.

Credit Card Payment

If you choose to pay your balance due by credit card and you cannot visit the Cashier’s Office to have your MasterCard, Visa, or Discover card swiped, the University allows you to make a credit card payment online. Please note that if you choose this option there will be an additional nonrefundable online processing fee ($35 for transactions less than $1,000; $75 for transactions between $1,000 and less than $5,000; and $125 for all transactions $5,000 or greater). To avoid this additional processing fee, the University urges its students to explore the alternative, no additional charge, payment options discussed above.

International Students

International students can pay their tuition deposit and/or bill from any bank in any country, often in their home currency, using the flywire service. adelphi.flywire.com

Payment Policy

Tuition and fees are due in full by August 1st for the Fall semester and January 6th for the Spring semester unless the two-payment plan or the monthly payment plan is elected. Students pre-registering for the fall and spring semesters will be billed in June and November, respectively. Students are responsible for all charges regardless of billing. All payments will be applied to past due balances first.

Students are required to notify the Office of the Registrar of their appropriate billing address and to contact the Office of Student Financial Services if bills are not received. Payments must be made in accordance with University policies, whether or not bills are received. Students may request a current statement of account at the Office of Student Financial Services, Levermore Hall, Lower Level, Room One.

Monthly Tuition Pay Plan

Many students have indicated a preference to pay on a monthly basis. Adelphi offers a monthly Tuition Payment Plan, which provides for payment in monthly installments as an alternative. An email is sent to new deposited students and continuing students in May. Information on this plan can also be obtained in the Office of Student Financial Services. For more information, visit http://adelphi.edu/admissions/aid/payments.

Late Payment Fees

Tuition and fees are due in full by the first payment due date unless the two payment plan or the TPP (Tuition Payment Plan) is elected. Programs not following the traditional semester calendar are also subject to late payment fees.

Students having outstanding indebtedness to the University will not be permitted to register or receive a diploma. No student may withdraw or graduate from the University in good standing unless all current obligations are paid in full. Federal and state regulations, as well as University policy, precludes the use of any current financial aid for payment of past due charges.

Refund Policy for Tuition

Refunds are computed as of the date the Registrar is notified of the withdrawal. The date of the request will determine the tuition liability for the semester. Nonattendance in a course does not constitute an official withdrawal. Students will be held responsible for payment of all tuition and fees until an official withdrawal is processed by the Registrar.

Refunds do not depend on the number of class sessions held or attended. Failure to complete payment is not an official withdrawal. A student who is suspended or dismissed or who withdraws when under investigation for misconduct shall not have tuition refunded for the semester in which such action is taken.

All refunds of credit balances must be requested from the Office of Student Financial Services. All students who withdraw from the University prior to the first day of classes will receive a credit for all tuition and fees, less the mandatory withdrawal fee.

BankMobile Disbursements

Adelphi University delivers your refund with BankMobile Disbursements, a technology solution, powered by BMTX, Inc. Visit this link for more information:
https://bankmobiledisbursements.com/refundchoicessso/.

Title IV Recipients

Adelphi University’s refund policy conforms to the updated version (Section 668.22) of the Higher Education Amendments of 1998. In accordance with federal regulations, students who withdraw from the University and have Federal Title IV financial assistance (Federal Stafford Loan, Federal Parent Loan for Undergraduate Students, Federal SEOG, Federal Perkins Loan, or Federal Pell Grant) that has been credited or could have been credited to their account will be subject to both federal policy regarding the possible return of Title IV funds awarded AND Adelphi University’s policy regarding the possible return of institutional aid awarded. Furthermore, the amount of refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy.

The order of return of Title IV funds at Adelphi University is as follows:

Sample worksheets for calculation are available in the Office of Student Financial Services upon request.

Additional information regarding Title IV refunds may be found at financial-aid.adelphi.edu/bill/refund/.

Refund of Institutional Charges

All students who are ineligible for assistance under the Federal Title IV programs are subject to the following institutional refund schedule for a traditional 15-week semester including full summer sessions:

For information about the refund schedule for programs less than 10 weeks, and workshops, please see financial-aid.adelphi.edu/bill/refund/schedule.

Residence Fees Refund

See Undergraduate section

Appeals

An appeals committee exists for students and parents who feel that individual circumstances warrant exceptions from published policies. Any written requests for appeals should be directed to the committee’s coordinator. The address is:

Cashier’s Office/Appeals Committee
Levermore Hall, Room 9
Adelphi University
South Avenue
Garden City, NY 11530

The University reserves the right to change all tuition and fee amounts and policies without prior notice.

Financial Assistance

Adelphi University offers a wide variety of financial assistance programs in addition to the various federal and state programs that currently exist.

Financial assistance is any grant, scholarship, loan, or employment opportunity that is offered to an enrolled or prospective student with the express purpose of helping the student meet educational expenses.

The amounts and types of financial assistance that a student receives are determined by the eligibility of the applicant for each program. The combination of these various awards is commonly referred to as the “financial aid package.”

The University expects each student to have knowledge of the information presented in the Bulletin and appropriate Directory of Classes.

Graduate students are encouraged to file the appropriate application forms and to contact their graduate school/department for a listing of additional resources and assistantship information.

Responsibilities of Financial Assistance Recipients

Students receiving financial assistance have the following responsibilities:

• To complete the Free Application for Federal Student Aid (FAFSA) each academic year by the deadline prescribed by the University.
• To meet the requirements of good academic standing and maintain satisfactory academic progress toward their degree.
• If a student transfers from another institution to Adelphi University during the same award year, federal regulations require that we request, through the National Student Loan Data System (NSLDS), updated information about any fall disbursements of federal grants and loans so that any spring disbursements of federal grants and loans are accurate and do not exceed federally mandated maximums. The assistance package may change after review of the students’ record on the NSLDS system.
• To report to the Office of Student Financial Services any changes in enrollment status, changes of name or address, receipt of any additional internal or external financial assistance.

The University reserves the right to make adjustments in financial assistance packages because of changes in the recipient’s enrollment, residency status, income discrepancies, or financial circumstances.

The University further reserves the right to make proportionate adjustments in campus-administered financial assistance if federal or state funding to the University changes.

Institutional scholarships and grants are applicable to tuition and, in some cases, University fees. The University reserves the right to adjust the financial assistance previously awarded when these awards, in combination with other sources of assistance, exceed the cost of tuition and fees. Awards include, but are not limited to, veteran’s educational benefits, external awards, state scholarships and grants from all sources.

Financial Assistance Policies

All financial assistance awards are made based on the information available as of the date of the financial assistance award letter. If the student subsequently receives financial assistance from sources not specified in the award letter, either from Adelphi or from outside sources, Adelphi reserves the right to adjust the financial assistance package.

The Office of Student Financial Services should be notified of any change to the family’s financial situation after the completion of the FAFSA if the student or parents believe it could affect the student’s eligibility for assistance. Adjustments to a student’s financial assistance award may be made at the discretion of the Office of Student Financial Services. Some common reasons for adjustments are change in budgets and awards (for example, if the student moves from University housing to private housing), changes in enrollment (for example, enrolling part-time when originally indicated full-time on the application), documentation of incorrectly reported income and asset information, changes in family circumstances, receipt of outside or academic scholarships, or any other changes in information that, in the opinion of the Office of Student Financial Services, justifies a change in the financial assistance awards.

Students receiving institutional scholarships that exceed the cost of tuition may be subject to federal income tax on the amount by which the award exceeds tuition. We recommend students check with their tax consultant for further information.

Institutional scholarships and grants are applicable to tuition and, in some cases, University fees. The University reserves the right to adjust the financial assistance previously awarded when these awards, in combination with other sources of assistance, exceed the cost of tuition and fees. Awards include, but are not limited to, veteran’s educational benefits, external awards, state scholarships and grants from all sources.

Nondegree Students

Individuals registering for courses in the University without applying to the Admissions Office for degree status are considered nondegree students. The courses taken are considered to be for personal enrichment and the student is not eligible for any financial assistance.

Foreign Students

Federal and state financial aid programs are limited to U.S. citizens and certain permanent resident aliens (persons with Form I-151, I-551 (a “Green Card”), or I-94).

FAFSA Application Procedures

Students applying for financial assistance must complete the Free Application for Federal Student Aid (FAFSA). Applications can be completed online at fafsa.gov. All New York State residents who are receiving financial assistance from Adelphi are encouraged to apply to New York State for the Tuition Assistance Program (TAP) grant (note: as of 2011, only undergraduate students are eligible for TAP). Students will be presented with a link to the TAP application when they have completed the FAFSA on line. They must follow this link to apply for TAP.

If a student transfers from another institution to Adelphi University during the same award year, federal regulations require that we request, through the National Student Loan Data System (NSLDS), updated information about any fall disbursements of federal grants and loans so that any spring disbursements of federal grants and loans are accurate and do not exceed any federally mandated maximums. Since the information on the NSLDS system may not be accessed earlier than 30 days before the start of the spring semester, the assistance package may change after review of the record on the NSLDS system.

Although award decisions will not be made until an applicant has been officially accepted by the Admissions Office, it is important to note that financial assistance applications can and should be completed prior to admission acceptance.

Application Deadlines

Applications for all financial assistance programs should be made by all new and continuing students as soon after October 1st as possible each year. The various state and federal programs have deadline dates that extend throughout the academic year. Consult the Office of Student Financial Services for specific dates that may affect applications for these programs.

The entire FAFSA should be completed online at fafsa.gov as soon as possible after October 1 each year. Filing by January 1 for continuing students and March 1 for new students maximizes your access to the different financial aid programs. Applications made after those respective dates will only be considered if funds remain available.

Students currently enrolled are required to reapply for financial assistance each academic year.

Eligibility for financial assistance cannot be determined prior to the student’s acceptance into an eligible program of study at the university. The published financial aid priority deadlines are used when determining eligibility for certain limited sources of funding.

PLEASE NOTE: ANY student selected for the federal verification process who has not completed the verification process CANNOT receive federal financial aid or need-based university grants. First time students at Adelphi must complete entrance counseling and a Master Promissory Note before Federal Direct Loan funds can be applied to their account.

Academic Requirements to Maintain Financial Assistance

Financial assistance recipients must be in good academic standing and must be making satisfactory academic progress. Failure to meet established criteria will result in the loss of financial assistance. Details concerning established criteria are available in the Office of Academic Services and Retention, the Office of Student Financial Services and online at financial-aid.adelphi.edu/resources/faq.

If a student is officially withdrawing from the University, the W grades will not count toward unsatisfactory credits. (See the section titled “University Withdrawal .”)

Hours attempted constitute all courses a student registers for, including courses in which grades of F, I and W are given.

Credits earned include all courses in which grades of A, B, C, D, or P are given.

Students who do not make satisfactory progress because they have failed to earn the required credit ratio due to grades of W, F, or I, are not eligible for financial assistance. The federal criteria and New York State Tuition Assistance Program requirements may vary from the University criteria. Please contact the Office of Student Financial Services for more specific information.

Ombudsman Information for Title IV Students

The US Department of Education’s Office of Student Financial Assistance Ombudsman is available to assist students in resolving loan disputes and other problems. Contact them for assistance at 202.401.4498 (Washington, DC) or toll-free at 877.557.2575. Additional information is available at the Department of Education’s Federal Student Aid Ombudsman website: http://StudentAid.gov/ombudsman

Note: Additional Financial Assistance information is presented in the Undergraduate and Graduate sections of this chapter.
 

Medical Insurance

All residence hall and international students are automatically enrolled in Adelphi’s student medical insurance plan. A student who is already covered by alternative medical insurance and wishes to cancel Adelphi’s coverage, must complete the waiver process by October 1 (for the fall semester) or March 1 (for new students entering in the spring semester). Likewise, those students who do not have medical insurance coverage and wish to enroll in Adelphi’s plan must do so by the same dates. For details go to health.adelphi.edu/insurance.

Room Refund Policy

Residents must pay to the University a $300 non-refundable deposit with a Residence Hall Agreement to request a space in the residence halls for the ensuing agreement period.  The deposit is non-transferrable and non-refundable.  $200 of the deposit will be applied to your student account and $100 will be retained as a damage deposit.  Person(s) found responsible for damages will have financial responsibility for the cost incurred to fix or abate the damage.  When the person(s) cannot be identified as responsiblefor damages, all residents of a room, suite, wing, floor, or residence hall will share equal financial responsibility for the cost incurred to fix or abate the damage.  Liability for damages may exceed the amount held as a damage deposit.

Upon occupancy, the $25 residence activity fee is no longer refundable.

This agreement is binding from the date of occupancy to the end of the current academic year.  The agreement period begins at 10:00 a.m. on the day before the first day of classes and ends24 hours after the resident’s last exam or 5:00 p.m. on the last day of final examinations, whicever is earlier.  A resident who wishes to be released from the Residence Hall Agreement must submit the appropriate housing cancellation for and pay an early housing cancelation fee of $750.  This cancellation fee be waived upon written submission of documented reasons that verifiably prevent the student from living on campus (mid-year graduation, official Universitywithdrawal, study abroad, studentteaching, military service or official University leave of absence).  REsidents who wish to appeal the cancellation fee for other verifiable reasons that prevent the resident from living on campus may submit the cancellationappeal along with appropriate document.  Any such consideration of an appeal will be made on a case-by-case basis.  In addition to paying the $750 cancellation fee, any refund of housing fees for a given semester will be determined according to the University’s standard refund schedulein effect, minus any housung deposit and and residence hall activity fees, which ae non-refundable.         

Undergraduate Financial Assistance

In addition to the information presented below, please see the Financial Assistance section at the beginning of this chapter for policy and loan information that applies to both undergraduate and graduate students.

Institutional Scholarships

Adelphi offers a wide range of scholarships. Scholarships are generally awarded to students who attend on a full-time basis and have either high academic records or expertise in a particular area.

Academic Scholarships

Presidential Scholarships, Deans’ Scholarships and all other achievement awards are awarded to new freshman and transfer students based on high academic records and full-time enrollment (a minimum of 12 credits per semester). Further requirements (i.e., GPA and renewal criteria) for each scholarship are specified in each student’s scholarship letter and may be accessed online at financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Talent Awards

Technical Theatre, Performing Arts, Art, Music, Communications, Athletic Scholarships and Recognition Awards are awarded to students with expertise in a particular area. These scholarships are awarded to new, full-time students by the individual departments based on participation in the specified activity, GPA and academic standing. Further requirements for the continuation and renewal of these scholarships are specified in each student’s scholarship letter and may be accessed on-line at financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Adelphi University Financial Grant

This grant is based on consideration of a student’s financial circumstances. Renewal criteria depend on continued financial need, GPA and standing related to disciplinary matters.

Adelphi University Full-Time and Part-Time Transfer Merit Award

The Adelphi University Transfer Merit Award is offered to new students who demonstrate high academic achievement. For transfers, initial criteria include a transfer GPA of at least 3.0 for full-time awards and 3.3 for part-time awards. Further requirements for these awards may be viewed at financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Adelphi University Phi Theta Kappa Select Award

The Adelphi University Phi Theta Kappa Select Award for full-time students is offered to new transfer students who demonstrate high academic achievement and a commitment to service in the community. For new transfers, initial criteria include a transfer GPA of at least 3.3 and proof of Phi Theta Kappa membership. A student must file an admissions application and a separate Phi Theta Kappa Select application is required. Further requirements for these awards may be viewed at financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Eagle Scout, Girl Scout Gold and Explorer Awards

These awards are offered to new, full-time students who demonstrate high academic achievement. The student will receive an academic award (Dean’s, Provost, Presidential, or Trustee) and in addition will be recognized for his/her achievement in Scouting. Further requirements for these awards may be viewed at financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Tau Sigma Award

The Adelphi University Tau Sigma Award for full-time students is offered to current, full-time transfer students who have been a member of Tau Sigma for a minimum of one semester. These individuals must demonstrate continued high academic achievement and a commitment to service in the community and Tau Sigma. Initial criteria include an Adelphi University GPA of at least 3.5 and proof of Tau Sigma membership. Further requirements may be viewed at ecampus.adelphi.edu/sfs/au_scholarships_grants.php.

Alumni Award

Children or grandchildren of Adelphi alumni are eligible to receive an Alumni Award up to $1,000. Be sure to indicate on your application if one parent or grandparent graduated from Adelphi University in order to receive the award. For further information, please contact Adelphi University Office of Student Financial Services at (516) 877-3080 and visit financial-aid.adelphi.edu/scholarships/adelphi-scholarships.

Federal Programs

The University administers the federal programs listed below. Students apply for these programs through submission of the FAFSA, with additional income verification documentation if requested, and by observing the application deadlines. It should be noted that, while an applicant may indicate interest in a campus-based federal program, final responsibility for the determination of eligibility and amount of award rests with the University, and that selection may be guided by student need and the availability of funds. To remain eligible, students must continue to demonstrate financial need, be in good standing in academic and disciplinary matters and file the FAFSA each year by the prescribed filing date.

Grants

Federal Pell Grant

A federal program designed to provide financial assistance to those in need. The amount of the grant is determined on the basis of student and family income and assets, in accordance with strict government formulas.

Federal Supplemental Educational Opportunity Grant (FSEOG)

A federal grant program that provides supplemental grants to students who demonstrate higher financial need, are eligible Federal Pell Grant recipients and who meet the application deadlines.

Federal Work-Study (FWS) Program

This program provides employment for students demonstrating financial need. Most jobs are on campus. The maximum amount a recipient can earn is determined by financial need and availability of funds. Federal Work Study eligibility does not guarantee employment. For more federal grants information, visit financial-aid.adelphi.edu/scholarships/federal-state-grants.

Loans

Federal Perkins Loan Program

This student loan program is subsidized by the federal government and is available to assist students in financing their education. The interest rate is 5% per year with repayment beginning nine months after a student leaves school or graduates. Repayment must be completed within a 10-year period.

Federal Nursing Loan

This program provides low interest loans to students enrolled in a nursing program. The interest rate is 5% per year with repayment beginning nine months after a student leaves school or graduates. Repayment must be completed within a 10-year period.

Federal Direct Stafford Loan

(This information is accurate as of the date of publication. Check our website at financial-aid.adelphi.edu/loans for the most current information regarding student loans, interest rates and repayment tables.) A Stafford Loan is a low-interest loan available to students enrolled in and actively attending a minimum of 6 credits per semester which are applicable to their current program of study. These loans are originated and guaranteed by the federal government. Depending on the need of the student as calculated by the Department of Education, these loans are either made on a subsidized basis, where the federal government pays the interest during the enrollment period, or an unsubsidized basis, where the student is responsible for such interest. Maximum loan amounts for dependent students are $3,500 plus an additional $2,000 in unsubsidized funds for freshmen, $4,500 plus an additional $2,000 in unsubsidized funds for sophomores, and $5,500 plus an additional $2,000 in unsubsidized funds for juniors and seniors. Maximum loan amounts for independent students are $7,500 for freshmen plus an additional $2,000 in unsubsidized funds, $8,500 plus an additional $2,000 in unsubsidized funds for sophomores, and $10,500 plus an additional $2,000 in unsubsidized funds for juniors and seniors. Effective July 1, 2013, the in-school interest rate is 3.86% for the Subsidized Federal Stafford Loan. The repayment interest rate is 3.86%. The interest rate on all unsubsidized Stafford Loans for undergraduate students is 3.86%. Repayment of these loans begins six months after the student ceases to be enrolled at least halftime.

Federal Direct Parent Loan for Undergraduate Students (PLUS)

A PLUS loan is available to parents of dependent children enrolled in and actively attending a minimum of 6 credits per semester which are applicable to their current program of study. A parent may borrow up to the cost of education, less any other financial assistance, each academic year. Credit worthiness is a factor in obtaining this loan. PLUS loans carry variable interest rates, set each June. The interest rate as of July 1, 2013, is 6.41%. Repayment of the loan begins within 60 days of when the loan is fully disbursed unless special deferment conditions apply. For the most current information on Federal loans, go to financial-aid.adelphi.edu/loans.

Federal Title IV Refunds

In accordance with federal regulations, students who withdraw from the University and have Federal Title IV financial assistance that has been credited or could have been credited to their account, will be subject to both federal policy regarding possible return of Federal IV funds awarded, and Adelphi University’s policy regarding the possible return of institutional aid awarded. Furthermore, the amount of the refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy.

Title IV funds, (Federal Direct Stafford Loans, Federal Direct Parent Loan for Undergraduate Students, Federal SEOG, Federal Perkins Loan, Federal Pell Grant) are awarded to students based on the assumption that they will attend classes for the entire period for which aid is awarded. The return of federal aid is a mandated process by which a school calculates the amount of federal funds to be returned for a federally funded student who withdraws or ceases attendance during a period of enrollment. Calculations may result in a reduction of the student’s Title IV loan and grant aid to reflect the percentage of the period of enrollment that the student attended if the student attended 60 percent or less of the enrollment period. Based on these calculations, the school and or the student may be required to return “unearned” federal assistance.

Only the amount of the semester’s aid that has been earned (as a result of the prorated amount of the time the student has been in school for that semester) will be eligible to be retained for the student. Any aid that is not earned must be returned to its source and the amounts to be returned to federal programs will vary, based upon the type of program, the total amount to be returned, and the government’s determination of the order in which the aid is returned to the programs.

This formula is a federally mandated calculation. If a student account balance results from these adjustments, the student is responsible for payment to the university.

New York State Programs

Complete information regarding all scholarships and grant programs from New York State is available at hesc.ny.gov.

New York State Tuition Assistance Program (TAP)

This program offers aid to undergraduate students who are residents of New York State based on the income of parents and students. Application and renewal of TAP commences by completing the FAFSA. Students can go to hesc.ny.gov to apply for TAP. Students generally must be full-time (12 or more credits per semester) to be eligible.

Aid for Part-time Study (APTS)

The APTS program provides grant assistance to New York State residents who are part-time undergraduate students. A completed APTS application must be filed with the Office of Student Financial Services by October 15 for the fall semester and by February 15 for the spring semester.

Other Assistance

Several lenders offer credit-based “alternative loans” for students who need to borrow above the Federal Stafford loan limits. For these alternative loans, students may borrow up to their total cost of education, less all other financial aid that they are receiving for the loan period. The features, eligibility and repayment requirements for these alternative loans vary depending on the program and lender. To find out more about them, contact the Office of Student Financial Services at 516.877.3080 or access our website at financial-aid.adelphi.edu.

Study Abroad Programs

The names of Adelphi students wishing to study abroad will be sent to the Office of Student Financial Services by Adelphi’s Center for International Education office no later than eight weeks prior to departure.

Please refer to this Bulletin’s “Study Abroad ” section under Support Services to obtain information about the process to be followed to receive academic approval to study at or through another university. All students must receive academic approval to study abroad prior to having Student Financial Services determine their eligibility for funding for such study.

Students will receive a revised Financial Assistance Award Letter after their eligibility has been confirmed. All financial aid will be applied first to charges incurred at Adelphi. If a credit balance is created by the application of financial aid, this credit will be refunded to the student to be used to pay for additional charges (such as housing and meals) incurred at the host school. Students are not guaranteed that their financial aid will cover all charges and may be required to pay some costs out-of-pocket.

The Provost Scholarship for Study Abroad has been developed to assist academically superior students who do not receive an Adelphi Scholarship to pay for study abroad programs. For further information, contact the Office of the Provost.

Endowed and Restricted Scholarships and Prizes

For more information about Endowed and Restricted Scholarship and Prizes, please inquire with the Office of Student Financial Services.  

Student Budgets

These estimates of Adelphi’s average undergraduate student budgets for 2018–2019 are based on the costs of living at a modest level over a nine-month period (September–May). (We strongly recommend that students confer with an Adelphi Student Financial Services counselor to determine additional costs they may be required to pay out-of-pocket.)

The most current information regarding cost of attendance budgets may be found on our website at financial-aid.adelphi.edu/resources/faq.

NOTE: Charges may be subject to change. Tuition and fees may vary depending on major and special laboratory fees.

  *Check http://financial-aid.adelphi.edu/tuition/ for updated information.

Students who are converting undergraduate credit to graduate credit will pay the current graduate tuition rate at the time of conversion less the original amount paid. There is no deferred payment plan. There are no refunds.

Graduate Financial Assistance

In addition to the information presented below, please see the Financial Assistance section at the beginning of this chapter for policy and assistance information that applies to both undergraduate and graduate students.

Financial Assistance Programs

Adelphi University Scholarships

Adelphi University offers limited scholarship opportunities to graduate students pursuing graduate degrees in Business, Social Work, Education and Nursing. Contact the schools directly for more information.

Institutional scholarships and grants are applicable to tuition and, in some cases, university fees. The University reserves the right to adjust the financial assistance previously awarded when these awards, in combination with other sources of assistance, exceed the cost of tuition and fees. Awards include, but are not limited to, VA educational benefits, external awards, state scholarships and grants from all sources.

Federal Direct Stafford Loan

A Stafford Loan is a low-interest loan available to students enrolled in and actively attending a minimum of 6 credits per semester. These loans are originated and guaranteed by the federal government. Effective July 1, 2012, all graduate Stafford Loans will be unsubsidized (the federal government will not pay the interest while the student is enrolled.)

Students are encouraged to borrow Stafford Loans before accessing other sources of loans as they generally have the best terms and interest rates.

Graduate PLUS Loan

Graduate PLUS loans are available to graduate students who feel they need to borrow additional funding above their Stafford Loan amounts. Applicants of graduate PLUS loans must file the FAFSA and meet all federal eligibility criteria. Credit worthiness is a factor in receiving these unsubsidized loans. The current interest rate is 6.41%. Applicants may borrow up to the cost of attendance less other financial aid, including awarded Direct Stafford loan amounts. For further information, contact the Office of Student Financial Services at 516.877.3080 or check our website at financial-aid.adelphi.edu/loans/loan-types for the most current information regarding student loans, interest rates and repayment tables.

Adelphi Graduate Assistantships

A limited number of graduate assistantships are available to qualified graduate students.

Assistantships are awarded at the discretion of the department. They may be awarded based on academic merit and some may take financial need into consideration.

Students receiving such appointments are required to devote a specified number of hours each week during the academic year to assist in teaching, research, or other technical services, as assigned by their department. In return for such services, the student is granted a remission of tuition. In addition, some assistantships offer stipends.

Contact your graduate school/department to obtain applications and specific eligibility requirements.

Federal Work Study Program (FWS)

This program provides employment for students demonstrating financial need. Jobs are generally on campus. The maximum amount a recipient can earn is determined by financial need and availability of funds.

Federal Title IV Refunds

In accordance with federal regulations, students who withdraw from the University and have Federal Title IV financial assistance that has been credited or could have been credited to their account, will be subject to both federal policy regarding possible return of Federal IV funds awarded, and Adelphi University’s policy regarding the possible return of institutional aid awarded. Furthermore, the amount of the refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy.

Title IV funds, (Federal Direct Stafford Loans, Federal Direct PLUS for Graduate Students, or Federal Perkins Loan) are awarded to students based on the assumption that they will attend classes for the entire period for which aid is awarded. The return of federal aid is a federally mandated process by which a school calculates the amount of federal funds to be returned for a federally funded student who withdraws or ceases attendance during a period of enrollment. Calculations may result in a reduction of the student’s Title IV loan aid to reflect the percentage of the period of enrollment that the student attended, if the student attended 60 percent or less of the enrollment period. Based on these calculations, the school and/or the student may be required to return “unearned” federal assistance.

Only the amount of the semester’s aid that has been earned (as a result of the prorated amount of the time the student has been in school for that semester) will be eligible to be retained for the student. Any aid that is not earned must be returned to its source and the amounts to be returned to federal programs will vary, based upon the type of program, the total amount to be returned and the government’s determination of the order in which the aid is returned to the programs.

This formula is a federally mandated calculation. If a student account balance results from these adjustments, the student is responsible for payment to the university.

New York State Aid Programs

A detailed listing of state-sponsored scholarships is available at hesc.ny.gov, the New York State Higher Education Services Corporation (HESC) website.

Other Assistance

Several lenders offer credit-based “alternative loans” for students who need to borrow above the Federal Stafford loan limits. For these alternative loans, students may borrow up to their total cost of education less all other financial aid that they are receiving for the loan period. The features, eligibility and repayment requirements for these alternative loans vary depending on the program and lender. To find out more about them, contact the Office of Student Financial Services at 516.877.3080 or access our website at financial-aid.adelphi.edu.