Expenses and Financial Aid

One-Stop Student Services Center

Levermore Hall, Lower Level, Room 8

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

Information for All Adelphi Students on Expenses and Financial Aid

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

To speak with an advisor call 516.877.3080. For the schedule of office hours or for additional information, visit the One-Stop Student Services Center website at https://www.adelphi.edu/one-stop/contact/.

Tuition and Fees

The following Tuition and Fee Policy pertains to the 2024–2025 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 https://www.adelphi.edu/one-stop/educational-cost/ or contact the One-Stop Student Services Center at 516.877.3080, OneStop@adelphi.edu.

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

Adelphi has a variety of options for students and families to pay their bill. Select from the following.

In Person

Please visit the One-Stop Student Services Center in the lower level of Levermore Hall to make your payment by cash, check, money order or credit/debit card (Mastercard, Visa and Discover only; card must be present.)

Please note, all credit card payments will be subject to a nonrefundable 2.9% service fee. This service fee will be charged for online and in-person credit card transactions.

This service fee will be evaluated annually and is subject to change based on current market rates.
 

Online via eCampus

Access the “Make a Payment” section of CLASS via eCampus using your student login and choose one of the options below:

(ACH) Electronic Check Payment: If you choose this method of payment there is no service fee charge. Payment is simply withdrawn from your checking account the following day and forwarded to Adelphi University on your behalf.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 this method of payment a nonrefundable 2.9% service fee will be charged to your account and added to your total payment. Please note, this service fee will be charged for online and in-person credit card transactions.

This service fee will be evaluated annually and is subject to change based on current market rates.

By Mail

You can mail your check or money order made payable to Adelphi University:

One-Stop Student Services Center
Levermore Hall, Room 008
Adelphi University
One South Avenue
P.O. Box 701
Garden City, NY 11530-0701

Please write your student identification number on the check on the Memo line. If you choose to pay your bill by credit/debit card and cannot visit the One-Stop Student Services Center, please see the online payment options above.
 

Online via Flywire (International Students)

Adelphi University has partnered with Flywire to streamline the process of international payments. Flywire allows you to pay securely from any country and any bank, generally in your home currency. By making your payment with Flywire you can:

Track your payments from start to finish
Save on bank fees and exchange rates
Contact their multilingual customer support team with any questions, day or night
 

Send a Payer Invitation

Do you know someone that would like to help you pay your bill? Invite them to have access to your account and make a payment on your behalf.

How to set up a Payer Invitation:

Access the “Make a Payment” section of CLASS

Once you have selected your “Payment Types” and click on “Make Payment” you will be routed to the “Overview” page

From there, select “My Account” on the left hand side panel. This is where you will be able to set up and send an invitation to a payer. You will need their first and last name, and a valid email address. Please note: By sending this invitation, you (the student), authorize the payer to access your account information and/or make payments.

The authorized party will receive an invitation email, which will allow them to proceed with making a payment on your behalf.

Please Note: You can change this authorization at any time.

Payment Policy

Registered students will be billed in June and December proceeding the start of the fall and spring semester and in April for the summer semester and will continue on a 21 day billing cycle with tuition and fee payments due on the 21st of each month. Students are responsible for all charges regardless of billing. All personal payments will be applied to past due balances first. Any personal check payment not honored by the bank is subject to a returned check fee and a late payment fee (if applicable).  You may also receive an additional charge from your financial institution. The University is not responsible for fees assessed by your bank

Adelphi reserves the right to apply credit balances to past-due accounts within federal and state guidelines.

Students should contact the One-Stop Student Services Center if you do not receive your monthly statement(s) on CLASS. Payments must be made in accordance with University policies, whether or not bills are received.

Students may request a current statement of account by contacting the One-Stop Student Services Center. Once the request is received, the statement of account will be mailed to the address on file.

Effective August 2021, a financial balance or block will no longer prevent a student from receiving a transcript. However, students will still be responsible for any outstanding indebtedness to the University and will not be permitted to register, receive a diploma, or reserve a room in the residence halls without meeting their financial obligations.
 

Semester Payment Plans

Adelphi University, in partnership with Transact (formerly Cashnet), offers convenient payment plans on a semester basis, providing you with even more flexibility on how to manage paying for school.

Use a payment plan to help spread all or part of your balance due over the course of the semester, and pay one low fee at enrollment, avoiding the high-interest rates that normally come with a traditional loan.

You have the option of up to five payments per semester, depending on when you enroll. The earlier you enroll in a plan, the lower your monthly payments will be. More information on our Semester Payment Plans can be found on our website https://www.adelphi.edu/aid/payments/paying-your-bill-payment-plans/.

Late Payment Fees

Tuition and fees are due in full by the first payment due date unless enrolled in a semester payment plan listed above. Failure to make payments on time may result in the assessment of late penalties. Programs not following the traditional semester calendar are also subject to late payment fees.

Students having certain levels of indebtedness to the University may not be permitted to register or receive their 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.

Payments not received by the first three billing due dates of the semester will be subject to late fees in the following respective amounts:  $100, $150, $200.

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 One-Stop Student Services Center. 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://www.adelphi.edu/aid/payments/refunds/.

Title IV Recipients

Adelphi University’s Refund Policy conforms to the updated version (Section 668.22) of the Higher Education Amendments of 1998. Students who cease to be enrolled at the University and have Federal Title IV assistance that has been credited or could have been credited to their account, will be subject to the above federal policy regarding possible return of Title IV funds awarded, and Adelphi University’s policy regarding the possible return of Institutional Aid awarded. Once the student has completed more than 60% of the enrollment period, the student has earned 100% of the Title IV funds they were scheduled to receive during that period. These requirements do not apply to a student who does not begin attendance or changes their enrollment.

Federal regulations specify how Adelphi University must calculate the amount of Title IV aid that a student has earned as of the date they withdrew from the University. Calculations may result in a reduction of the student’s Title IV aid to reflect the percentage of the period of enrollment that the student attended. Based on these calculations, the University and/or the student may be required to return any unearned federal assistance. If an account balance results from these adjustments, the student is responsible for payment to the University. A Medical Leave of Absence does not exclude a student from this calculation. When a student withdraws during the semester, the amount of Title IV assistance that a student has earned up to the point of withdrawal is determined on a pro rata basis. For example, if a student completes 25% of the enrollment period, the student will earn 25% of the federal assistance they were originally scheduled to receive.

Unearned Title IV funds will be returned in the following order:

• Unsubsidized Federal Direct Loans
• Subsidized Direct Loans
• Federal Parent PLUS Loans
• Federal Graduate PLUS Loans
• Federal Pell Grants
• Federal SEOG Grants
• Other Title IV programs (not including Federal Work-Study)

The amount of the refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy. For information about the refund schedule please see https://www.adelphi.edu/aid/payments/refunds/.

Withdrawing from Courses

After the conclusion of the University’s drop period, students may withdraw from courses through the twelfth week of the semester (prorated for shorter sessions and terms). A withdrawal will appear on the student’s academic transcript as a grade of W. Non-attendance does not constitute an official drop or withdrawal from a course. Failure to properly drop or withdraw from a course does not preclude the instructor from submitting a grade for the student on the basis of the work previously submitted and may result in a failing grade for failure to complete the course’s requirements.

Withdrawal for Medical Reasons

Students requesting a withdrawal from the University because of medical reasons must submit the appropriate medical documentation and a letter requesting a medical withdrawal to the Office of Academic Services and Retention. This must be done during the semester for which the leave is requested. Students approved for Medical Withdrawal might have a credit posted to their account to be applied toward future semesters. All unused credit will be forfeited after one year of issuance and tuition and fee charges will not be refunded. Students who withdraw from the University for medical reasons will be dropped from all of their courses. Students wishing to return after a Medical Withdrawal must submit medical documentation clearing them for return to the Office of Academic Services and Retention. Adelphi University retains the right to obtain supplemental medical information. Instructions for seeking a Medical Withdrawal can be found at academic-services.adelphi.edu/forms. Residence fees will be refunded according to the policies outlined in the section “Residence Fees 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 Appeals Committee’s. The address is:

One-Stop Student Services Center/Appeals Committee
Levermore Hall, Room 008
Adelphi University
South Avenue
Garden City, NY 11530

or via email to: OneStop@adelphi.edu

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 aid programs in addition to the various federal and state programs that currently exist.

Financial aid 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 One-Stop Student Services Center any changes in enrollment status, name or address, receipt of any additional internal or external financial assistance.

The University reserves the right to make adjustments in financial aid offers 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 aid 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 Aid Policies

All Financial Aid offers are made based on the information available as of the date of the College Financing Plan (CFP). If the student subsequently receives financial assistance from sources not specified in the CFP, either from Adelphi or from outside sources, Adelphi reserves the right to adjust the financial assistance package.

The One-Stop Student Services Center 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 Aid Offer may be made at the discretion of the One-Stop Student Services Center. Some common reasons for adjustments are change in budgets and financial aid(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 One-Stop Student Services Center, justifies a change in the financial assistance/aid.

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 this aid/assistance, in combination with other sources of assistance, exceed the cost of tuition and fees. Aid/Assistance include, but are not limited to, Veteran’s educational benefits, external aid/assistance, state scholarships and grants from all sources.

Non-Degree Students

Individuals registering for courses in the University without applying to the Admissions Office for degree status are considered Non-Degree 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 eligibile non-citizens.

Eligible non-citizen are U.S.  nationals (includes natives of American Samoa or Swains Island) or one of the following:
Lawful permanent residents
Conditional resident aliens
Conditional entrants
Refugees
Persons granted asylum
Persons paroled into the U.S. for at least one year
Ukrainian citizens and nationals
Afghan citizens and nationals paroled into the U.S. between July 31, 2021, and September 30, 2023
Cuban-Haitian Entrants
Victims of human trafficking
Battered immigrants-qualified aliens
Jay Treaty students

For more information on Eligibility for Non-U.S. Citizens visit https://studentaid.gov/understand-aid/eligibility/requirements/non-us-citizens

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 University are encouraged to apply to New York State for the Tuition Assistance Program (TAP) grant (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 online. 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 1 as possible each year. The various state and federal programs have deadline dates that extend throughout the academic year. Consult the One-Stop Student Services Center for specific dates that may affect applications for these programs.

The entire FAFSA should be completed online at Studentaid.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 University 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 https://www.adelphi.edu/aid/resources/faqs/.

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 One-Stop Student Service Center 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 ($200 will be applied to your student account and $100 will be retained as a damage 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. 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 $35 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, whichever 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 cancellation fee of $750.  This cancellation fee is waived upon written submission of documented reasons that verifiably prevent the student from living on campus (Mid-year graduation, official University withdrawal, study abroad, student teaching, 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 cancellation appeal along with appropriate document(s).  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 schedule in effect, minus any housing deposit and residence hall activity fees, which are 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.

Academic Scholarships

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

Talent Awards

Art, Communications, Dance, Music, Theatre, and Athletic Scholarships are awarded to students with expertise in a particular area. These scholarships are awarded to new, full-time students on a recommendation from the departments based on participation in the specified activity and academic standing. Further requirements for the continuation and renewal of these scholarships 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 Transfer Scholarship

The Adelphi University Transfer Scholarship is offered to new transfer students who demonstrate academic achievement. Further requirements for this award may be viewed at http://adelphi.edu/aid/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 http://adelphi.edu/aid/scholarships/.

Eagle Scout, Girl Scout Gold and Explorer Awards

These awards are offered to new, full-time first-year students. The student will receive an academic award (Achievement, Dean’s, or Presidential award) and in addition will be recognized for their achievement in Scouting. Further requirements for these awards may be viewed at http://adelphi.edu/aid/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 a parent or grandparent graduated from Adelphi University in order to receive the award. For further information, http://adelphi.edu/aid/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 undergraduate students who have not earned a bachelor’s degree or its equivalent and who demonstrate financial need.

Beginning with the 2024-2025 award year, a student’s Scheduled Award or the maximum amount they can receive during the award year if they attend full-time for a full academic year will be one of the following:
An automatic Maximum Pell Grant
SAI-calculated Pell Grant
A Minimum Pell Grant
Eligibility for the Maximum and Minimum Pell Grant is determined by tax filing status; family size and structure  (i.e., single parent or non-single parent);  poverty guidelines;  and state of residency. If a student is eligible for a Maximum Pell Grant, the SAI will not be used to determine the grant amount. An SAI-calculated Pell Grant is the annual published Maximum Pell minus the SAI, rounded to the nearest $5. The student is ineligible for an SAI-calculated Pell Grant if the SAI-calculated Pell Grant is less than the published Minimum Pell. The student may still be eligible, however, for a Minimum Pell Grant if they meet the eligibility requirements.

The Higher Education Act (HEA) limits the lifetime eligibility to receive a Federal Pell Grant to 12 full-time semesters or the equivalent of 600 percent. This information is available on your FAFSA Submission Summary.

Transfer students who have received Federal Pell Grant from another institution during the same award year will have their award calculated based upon the percentage of Pell that was used at the prior institution. Federal regulations require that we request, through the National Student Loan Data System (NSLDS), updated information about any current year disbursements, so that your award is accurate and does not exceed any federally mandated maximums.
For more information on Federal Grants visit https://www.adelphi.edu/aid/scholarships/federal-state-grants/

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. For more information on Federal Grants visit https://www.adelphi.edu/aid/scholarships/federal-state-grants/
 

Federal Work-Study (FWS) Program

This program provides employment for undergraduate and graduate 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 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.  For more information on Federal Loans visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/

Federal Nurse Faculty Student Loan

The Nurse Faculty Loan Program was created by the Department of Health and Human Resources, Health Resources and Services Administration to increase the number of qualified nursing faculty. The funds are a low-interest federal loan repayment program. Nurse Faculty loan funds are geared toward students pursuing a doctoral degree in nursing to become qualified nurse faculty. Borrowers who graduate and serve as full-time nursing faculty can receive loan cancellation of up to 85%.  For more information on Federal Loans visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/
 

Federal Direct Loans

A Direct 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, 2024, the in-school interest rate is 3.86% for the Subsidized Federal Direct Loan. The repayment interest rate is 6.53%. The interest rate on all Unsubsidized Direct Loans for undergraduate students is 6.53%. Repayment of these loans begins six months after the student ceases to be enrolled at least halftime.

This information is accurate as of the date of publication.  For the most current information regarding student loans, interest rates and repayment tables visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/

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

Adelphi University’s Refund Policy conforms to the updated version (Section 668.22) of the Higher Education Amendments of 1998. Students who cease to be enrolled at the University and have Federal Title IV assistance that has been credited or could have been credited to their account, will be subject to the above federal policy regarding possible return of Title IV funds awarded, and Adelphi University’s policy regarding the possible return of Institutional Aid awarded. Once the student has completed more than 60% of the enrollment period, the student has earned 100% of the Title IV funds they were scheduled to receive during that period. These requirements do not apply to a student who does not begin attendance or changes their enrollment.

Federal regulations specify how Adelphi University must calculate the amount of Title IV aid that a student has earned as of the date they withdrew from the University. Calculations may result in a reduction of the student’s Title IV aid to reflect the percentage of the period of enrollment that the student attended. Based on these calculations, the University and/or the student may be required to return any unearned federal assistance. If an account balance results from these adjustments, the student is responsible for payment to the University. A Medical Leave of Absence does not exclude a student from this calculation. When a student withdraws during the semester, the amount of Title IV assistance that a student has earned up to the point of withdrawal is determined on a pro rata basis. For example, if a student completes 25% of the enrollment period, the student will earn 25% of the federal assistance they were originally scheduled to receive.

Unearned Title IV funds will be returned in the following order:

• Unsubsidized Federal Direct Loans
• Subsidized Direct Loans
• Federal Parent PLUS Loans
• Federal Graduate PLUS Loans
• Federal Pell Grants
• Federal SEOG Grants
• Other Title IV programs (not including Federal Work-Study)

The amount of the refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy. For information about the refund schedule please see https://www.adelphi.edu/aid/payments/refunds/

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 One-Stop Student Services Center by October 15 for the fall semester and by February 15 for the spring semester.  For more information on NY State Grants visit https://www.adelphi.edu/aid/scholarships/federal-state-grants/
 

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. For more information on Private Loans visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/

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.  

Estimated Cost of Attendance

Cost of Attendance is the estimated total cost of attending an institution for one academic year. This amount may include the following:
     Estimated charges for one academic year of tuition and fees
          Tuition—Charges assessed for classes and/or other coursework
          Fees—Charges assessed for other college services (e.g., technology access, recreational center use)
     Housing—Includes residence hall charges for on-campus students or an estimate of rent and utilities for an off-campus student
     Food—Includes the cost of a meal plan and/or an estimate of the costs of food prepared at home
     Estimated transportation and parking costs
     Estimated costs for books and supplies
     Purchase or rental of a computer
     Miscellaneous costs such as personal hygiene, laundry and reasonable entertainment
     Other costs specific to certain student circumstances related to attendance, such as dependent care during periods of class attendance or study, expenses related to disabilities, study abroad, educational loan fees, and others
     Student health insurance costs
 

For the most current information regarding Graduate Tuition and Fees visit https://www.adelphi.edu/aid/tuition-costs/graduate/

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

  *Check https://www.adelphi.edu/aid/tuition-costs/graduate/ 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.  To learn more, please review our Graduate Institutional Awards https://www.adelphi.edu/aid/scholarships/institutional/graduate/

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 Loan

A Direct 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 Direct Loans will be unsubsidized (the federal government will not pay the interest while the student is enrolled.)

Students are encouraged to borrow Direct 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 Unsubsidized Direct 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 Federal Direct Unsubsidized Loans Graduate/Professional Students 8.08%, Federal Direct PLUS Loans Parents of Dependent Undergraduate Students and Graduate/Professional Students 9.08%. Applicants may borrow up to the cost of attendance less other financial aid, including awarded Direct Unsubsidized Loan amounts. For the most current information regarding student loans, interest rates and repayment tables visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/.
 

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 undergraduate and graduate 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 information on Federal Grants visit https://www.adelphi.edu/aid/scholarships/federal-state-grants/

Federal Title IV Refunds

Adelphi University’s Refund Policy conforms to the updated version (Section 668.22) of the Higher Education Amendments of 1998. Students who cease to be enrolled at the University and have Federal Title IV assistance that has been credited or could have been credited to their account, will be subject to the above federal policy regarding possible return of Title IV funds awarded, and Adelphi University’s policy regarding the possible return of Institutional Aid awarded. Once the student has completed more than 60% of the enrollment period, the student has earned 100% of the Title IV funds they were scheduled to receive during that period. These requirements do not apply to a student who does not begin attendance or changes their enrollment.

Federal regulations specify how Adelphi University must calculate the amount of Title IV aid that a student has earned as of the date they withdrew from the University. Calculations may result in a reduction of the student’s Title IV aid to reflect the percentage of the period of enrollment that the student attended. Based on these calculations, the University and/or the student may be required to return any unearned federal assistance. If an account balance results from these adjustments, the student is responsible for payment to the University. A Medical Leave of Absence does not exclude a student from this calculation. When a student withdraws during the semester, the amount of Title IV assistance that a student has earned up to the point of withdrawal is determined on a pro rata basis. For example, if a student completes 25% of the enrollment period, the student will earn 25% of the federal assistance they were originally scheduled to receive.

Unearned Title IV funds will be returned in the following order:

• Unsubsidized Federal Direct Loans
• Subsidized Direct Loans
• Federal Parent PLUS Loans
• Federal Graduate PLUS Loans
• Federal Pell Grants
• Federal SEOG Grants
• Other Title IV programs (not including Federal Work-Study)

The amount of the refundable institutional charges (and/or possible reduction of outstanding balance) will be set by school policy. For information about the refund schedule please see https://www.adelphi.edu/aid/payments/refunds/

Withdrawing from Courses

After the conclusion of the University’s drop period, students may withdraw from courses through the twelfth week of the semester (prorated for shorter sessions and terms). A withdrawal will appear on the student’s academic transcript as a grade of W. Non-attendance does not constitute an official drop or withdrawal from a course. Failure to properly drop or withdraw from a course does not preclude the instructor from submitting a grade for the student on the basis of the work previously submitted and may result in a failing grade for failure to complete the course’s requirements.

Withdrawal for Medical Reasons

Students requesting a withdrawal from the University because of medical reasons must submit the appropriate medical documentation and a letter requesting a medical withdrawal to the Office of Academic Services and Retention. This must be done during the semester for which the leave is requested. Students approved for Medical Withdrawal might have a credit posted to their account to be applied toward future semesters. All unused credit will be forfeited after one year of issuance and tuition and fee charges will not be refunded. Students who withdraw from the University for medical reasons will be dropped from all of their courses. Students wishing to return after a Medical Withdrawal must submit medical documentation clearing them for return to the Office of Academic Services and Retention. Adelphi University retains the right to obtain supplemental medical information. Instructions for seeking a Medical Withdrawal can be found at academic-services.adelphi.edu/forms. Residence fees will be refunded according to the policies outlined in the section “Residence Fees Refund.”

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 Private Loans, also known as  “alternative loans,” for students who need to borrow above the Federal Direct Loan 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. For more information on Private Loans visit https://www.adelphi.edu/aid/loan-information/federal-private-loans/