COMMISSION ON INDEPENDENT COLLEGES AND UNIVERSITIES

AFFORDINGCOLLEGE

FINANCIAL AIDINTERNET RESOURCES

NEW YORK’S 100+ COLLEGESAND UNIVERSITIES

2016 EDITION

Step 1 Check with each college’s financial aid office or website to determine which forms you needto file to be considered for all types of financialaid. Every college is different. If you intend tofile your Free Application for Federal StudentAid (FAFSA) online (it’s quicker), you and yourparent(s) (if you are a dependent student)must obtain an FSA ID, which is a username andpassword that allow you to log in to completethe FAFSA online.* For more information, visithttps://fsaid.ed.gov. Don’t wait to be acceptedto a college before filing an application forfinancial aid. File as early as possible.

The most important financial aid applicationforms are:� FAFSA (Free Application for Federal

Student Aid) – Everyone applying for federal and most other financial aid mustcomplete this free form. File online athttps://fafsa.ed.gov or by mail. To request a paper FAFSA, call 1.800.4.FED.AID.

� NYS TAP Application – NYS residents attending a college in NYS use this free formwith the FAFSA to apply for a NYS TAP grantand to request payment of NYS scholarshipawards. Complete the online TAP applicationby linking to it directly from your FAFSAConfirmation Page. Even if you use a paperFAFSA, you can still complete your TAPapplication online. You will be prompted toget a HescPIN (username and PersonalIdentification Number) to “sign” your onlineTAP application. If you don’t apply for TAPonline, you can request an Express TAPApplication (ETA) by contacting the NewYork State Higher Education ServicesCorporation (HESC) at www.hesc.ny.gov or

Choosing where to go to college is an important decision! When you consider whichcolleges to apply to, never let “sticker price” stopyou from looking at colleges that may be right for you. Colleges want you to attend and will helpstudents pay for college with grants, scholarshipsand other aid money, making private collegesoften no more expensive – and sometimes lesscostly – than state colleges. If you need financialaid to help meet college costs, you are very likelyto receive it.

Read on to learn about paying for your college education.

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Six Steps to Financial Aid

Step 2 Submit the FAFSA as soon as possible afterJanuary 1 (of your senior year in high school)to ensure that you are considered for all available funding. If your family hasn’t yetcompleted their income tax returns, then estimate your family’s income as accurately aspossible (from end-of-year pay stubs or W-2forms). You’ll have the opportunity to make corrections later in the process. If you are a NYSresident applying to colleges in the state,make sure you include a New York college onyour FAFSA to begin the application for a NYSTAP grant. Complete any other financial aidforms required by the colleges. It is very important to meet all deadlines and to keep a copy of all the forms you file.

By filing the FAFSA, you will be considered for:� Grants and scholarships from private colleges and universities (some collegesmayrequire an additional form)

� Federal Pell Grant� Federal Supplemental EducationalOpportunity Grant (FSEOG)

� Federal Work-Study (FWS)� Job programs from private colleges and universities

� Federal Perkins Loan†

� Federal Direct Loan

Step 5Review your financial aid award letters andcompare your net costs. Decide which collegeto attend and let the college know by thedeadline they have indicated – usually by May 1. Then, review your financial aid withyour chosen college. In particular:

� If federal student loans are part of your package, the college will send instructionsabout the loan application process. You will need to complete and sign a formcalled the Master Promissory Note (MPN)and Entrance Counseling session onwww.studentloans.gov in order to receivefederal student loans (e.g., Direct Loanfunds). Keep track of how much you are borrowing and your loans’ repayment termsand conditions.

� NYS students attending college in thestate: Follow up on your NYS Tuition Assistance Program (TAP) grant. Visitwww.hesc.ny.gov to review and correct thedata on your TAP application if necessary.

Step 6 Make sure you know what you need to do to keep your financial aid, such as requiredgrades and coursework. And, you mustapply to renew your financial aid eachyear – on time – or risk losing it! Check yourcollege’s deadli nes.

Step 4 In the spring (usually March or April), you will receive financial aid “award letters” or “packages” from the colleges that haveoffered you admission, each with a differentcombination of grants, scholarships, work-study and loans to help you meet your college expenses. Determine your “net cost”by subtracting from the tuition, fees, roomand board (if you are living on campus) allgrants, scholarships and the total amount of your student loans.

Step 3 You will receive your Federal Student AidReport (SAR) via email after submitting yourFAFSA online (recommended). Review yourSAR’s information carefully. Follow the directions to correct any errors.

by calling 1.888.NYSHESC. HESC is the stateagency that processes the TAP application.The ETA will be pre-filled with informationfrom your FAFSA. If you provide your emailaddress on your FAFSA, HESC will be able toprocess your TAP application faster. If no emailis provided, you will be notified by letter.

� CSS PROFILE® – Some colleges may ask you to file the CSS Financial Aid PROFILE® formto be considered for college-funded aid (the college’s own grants and scholarships). Visithttps://student.collegeboard.org/content/css-financial-aid-profile. There is a fee for filing this form.

� College-specific financial aid application–Some colleges may ask you to complete the college’s own financial aid applicationto be considered for their college-fundedgrants, scholarships and loans. Check witheach college for applications, requirementsand deadlines.

Visit www.nycolleges.org, New York’s 100+ private colleges and universities’ admissions and financial aid website.

* In spring 2015, the login process changed. If youalready had a PIN, you will be instructed on howto create a username and password for the newlogin system. † See Perkins note, page 8.

For students entering college in the 2016-2017 academic year Process will change for students entering in 2017-2018

Nearly 9 out of every 10 students receive financial assistance to attend college.Each year, New York’s independent colleges and universities award studentsmore than $4.8 billion in institutionalgrants and scholarships.

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Applying for Financial AidFile the FAFSAComplete and submit the Free Application for Federal Student Aid (FAFSA) as soon aspossible after January 1. If your family hasnot yet completed their income tax returns,then estimate your family’s income as accurately as possible. You will be able tomake corrections later in the process.

Some colleges may ask you to complete theCSS PROFILE® or the college’s own financial aidapplication to be considered for their college-funded grants, scholarships and loans.Complete the CSS PROFILE® online and/orobtain the forms from the colleges, and be sure to meet the filing deadlines.

When you file the FAFSA, you will be considered for:� Grants and scholarships from private colleges and universities (some colleges may require an additional form)

� Federal Pell Grant� Federal Supplemental EducationalOpportunity Grant (FSEOG)

� Federal Work-Study (FWS)� Job programs from private colleges and universities

� Federal Perkins Loan†

� Federal Direct LoanThe information you supply on your FAFSA isanalyzed using a federal formula, establishedby Congress, to assess your family’s financialsituation. The analysis considers your family’sincome and assets (about 5.6 percent), manyexpenses, the size of the family and parents’need to save for education and retirement. Inaddition to establishing your eligibility for theprograms bulleted above, the results of theanalysis will estimate how much you (StudentContribution) and your parent(s) (ParentContribution) can reasonably contributetoward college costs for the year, no matterthe cost of college. This is known as theExpected Family Contribution (EFC).

The federal formula used to determine yourEFC is complex. As every family is unique,use the chart at right as a general guide.

The colleges you list on your FAFSA will receiveyour EFC analysis and put together a “financialaid package” to help you meet your financialneed. See pages 4-5 for more about financialneed and financial aid packages.

Important Facts about the ExpectedFamily Contribution (EFC)� For federal financial aid, your EFC is calculated in the same way at each collegeand should not change regardless of theprice of the college you choose.

� The Parent Contribution for federal financialaid is calculated using a national formulathat considers income, taxes paid, familysize, savings, certain assets, number of children in college and the age of parent(s).

� The EFC figure may be pushed higher orlower with variations in other factors (forexample, if just one parent works, the ageof the older parent, your family size).

� The Parent Contribution is roughly dividedby the number of children attending college at least half-time.

� Colleges may consider special financialhardships. Document extraordinary circumstances that affect your family’s ability to contribute and submit a writtenexplanation directly to the financial aid office.

Sample Expected Family Contribution (EFC) for College Costs Calculated from the FAFSANet worth(assets minus what is owedagainst these assets; home Up to $43,900 $80,000equity is not considered)

Family size 4 5 4 5(both parents working)Number in college 1 1 1 1

Total incomebefore taxes EFC EFC EFC EFC

$0 - $25,000$30,000$40,000$50,000$60,000$70,000$80,000$90,000$100,000$110,000$120,000

Based on 2015-2016 federal methodology; parent age 45; two parents working.

NOTE: EFC is lower if family size is larger, if number in college is greater (with two in college roughly half the EFC per child), if two parents are working, or if parent is older than 45 years of age.

Always apply for aid Even if you think you’re not eligible for aid or did not receive ai d for a prior year, apply.Financial aid programs and family situationscan change. Don’t limit your choices now or in the future.

$0$0$0

$1,403$2,930$4,615$6,801$9,714$12,973$16,041$18,831

$0$0

$1,701$3,297$5,098$7,436$10,496$13,756$17,015$19,897$22,687

$0$0

$719$2,356$3,942$5,916$8,503$11,750$15,009$18,077$20,867

$0$0

$748$2,344$3,926$5,894$8,477$11,720$14,979$17,861$20,651

For students entering college in 2016-2017Process will change for students entering in 2017-2018

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Building a financial aid packageWhen the colleges you listed on your FAFSA receive your EFC (Expected FamilyContribution), each college will build afinancial aid “package” or “award” for you.Each college’s financial aid package will becomposed of different types of financial aidto help you cover all or part of the college’scost of attendance (tuition, fees, room andboard, books, transportation, and personalexpenses). The financial aid packages youreceive will depend primarily on your calculated financial need (see explanationbelow) and the availability of funds at each college. Remember, every college is different. Your academic profile and otherachievements may influence the size andcomposition of any merit-based aid in yourpackage. Colleges have very little flexibilityin awarding need-based aid.

What is Cost of Attendance (COA)?A college’s published Cost of Attendance(COA) or Annual College Cost is the cost toattend the college for an academic year. The COA is the sum of the following directand indirect costs:

Direct Costs� tuition� mandatory fees, such as an activities feeand any mandatory insurance

� room and board, if living on campus

Indirect Costs� estimate for books� estimate for transportation � estimate for personal expenses

Your bill from the college you choose toattend will include the direct costs of tuition,mandatory fees, housing and a meal plan (if applicable). The other costs in the COA,the estimated indirect costs associated withattending the college for the academic year(travel, books, and personal expenses), youwill pay as needed. Be sure to include theseestimates in your college comparisons.

What is Financial Need?Financial need is the difference between acollege’s annual COA and your expectedfamily contribution (EFC). As every family is different, each family will have their ownEFC (see page 3), and each college will calculate a unique package for every student. And, since college costs vary, thepackages you receive from the colleges thataccept you for admission may be different.

Families in the sample packages on the nextpage have one child in college. If, however,your family has two children in collegerather than one, then your calculated EFCwill be divided roughly in half between thetwo children. Remember that for federal aid,the EFC is calculated in the same way andwill not change regardless of the college’scost. The EFC figure may be pushed higheror lower with variations in other factors (forexample, if just one parent works, the age ofthe older parent, the size of your family).

In addition to the EFC, other variables maycome into play in the composition of a college’s financial aid package such as:

� the amount of money available for aid atthe college – some colleges have greaterresources than others;

� a student’s special talent or academic ability – some colleges will award studentsmerit-based aid for special strengths ortalents;

� grants or scholarships from other sources(e.g., state grants or scholarships, private scholarships or awards).

$ Annual College Costof Attendance (COA)

– $ Your Family’s Expected Contribution (EFC)

=$ Your Financial Need

Questions to ask the college� Which forms are required to be considered for all forms of aid?

� What are your requirements for merit aid? For need-based aid?

� What are the aid renewal requirements?

� What are the financial aid application deadlines?

� Are there state aid programs I should know about?

� When will you notify me of my aid eligibility?

� How will outside scholarships affect my financial aid package?

� Are there special requirements (i.e., GPA) for keeping my grant/scholarship?

� Do you have a monthly payment plan?

Since 1974, New York’s TuitionAssistance Program (TAP) has providedgrants to New Yorkers studying full timein an undergraduate program at a college or university in the state helpingmore than 5 million students achieve acollege education. Today, TAP helpsmore than 310,000 moderate incomestudents meet college expenses.

Your College Aid Package

Financial Aid Packages Private colleges with traditional deadlines will begin notifying students of financial aid packages/awards in the spring. Every financialaid award letter will be different. Upon receiving your packages/awards from the colleges to which you were admitted, evaluatethem carefully, assess the direct and indirectcosts associated with attending each college,choose the college you will attend, and acceptits offer by the stated deadline. If you don’t,then you may lose it. Notify all the colleges towhich you applied of your final decision.

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FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA)Estimated Family Contribution (EFC)

Family of 4, 1 in college Family’s NeedNYS Resident Institutional Grant/Scholarship

Federal Grant (Pell and/or FSEOG) Family Adjusted Gross Income (AGI) NYS TAP Grant*$20,000 Work-Study

Federal LoansTotal Financial Aid Package

FRESHMAN LIVING AT HOME Cost of Attendance (COA)(COMMUTER) Estimated Family Contribution (EFC)

Family’s NeedFamily of 4, 1 in college Institutional Grant/ScholarshipNYS Resident Federal Grant (Pell and/or FSEOG)

NYS TAP Grant*Family Adjusted Gross Income (AGI) Work-Study$40,000 Federal Loans

Total Financial Aid Package

FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA)Estimated Family Contribution (EFC)

Family of 4, 1 in college Family’s NeedNYS Resident Institutional Grant/Scholarship

Federal Grant (Pell and/or FSEOG)Family Adjusted Gross Income (AGI) NYS TAP Grant*$60,000 Work-Study

Federal LoansTotal Financial Aid Package

FRESHMAN LIVING ON CAMPUS Cost of Attendance (COA)Estimated Family Contribution (EFC)

Family of 5, 1 in college Family’s NeedNYS Resident Institutional Grant/Scholarship

Federal Grant (Pell and/or FSEOG)Family Adjusted Gross Income (AGI) NYS TAP Grant*$80,000 Work-Study

Federal LoansTotal Financial Aid Package

Note: Other state, federal or private grants, scholarships or loans may be available but are notreflected in the sample packages.

† See Perkins note, page 8.

Sample financial aid packagesBelow are examples of financial aid packages from four colleges for four different families.You will notice that each financial aid package contains different amounts of aid. The amountof aid awarded in a financial aid package will vary based on a family’s EFC, federal and stateaid funding levels, and the resources available at each college.

Every package, however, typically includes most of these components: grants and/or scholarships from the college, from the federal government, and from the state; federalwork-study; student loans; and other aid. Refer to the elements of a college financial aidpackage at left for explanations of the elements in these packages.

$40,000- 040,00023,5605,7755,1652,0003,500

$40,000

$15,000- 74814,2524,2045,0254,0231,000

0$14,252

$50,000- 3,92646,07437,1261,8251,6232,0003,500

$46,074

$35,000- 8,50326,49720,497

0500

2,0003,500

$26,497

Elements of a collegefinancial aid package1. Consideration of a Family’s UniqueInformationAnalysis of the data supplied on the student’sFAFSA results in an Expected FamilyContribution (EFC) – a calculated estimation of the amount the family can reasonably contribute toward college costs. Income is just one of several variables considered in thefederal formula (see page 3 for more).

2. The Family’s Contribution (EFC)2a. The calculated EFC determined from the

family’s unique FAFSA data, plus+2b. A minimum Student Contribution from

the student’s summer earnings, savings,etc. (this will be specific to each college).

3. The College’s CostThe annual Cost of Attendance (COA) includescost of tuition, estimated fees such as an activities fee and any mandatory insurance,room and board, an estimate for books, transportation, and personal expenses.

4. Putting a Package Together: Family’sNeed for AidThe college subtracts the family’s EFC from the COA and arrives at the family’s need (COA – EFC = Family’s Need) for federal financial aid programs, some state programs,and in some cases, for the college’s own aid.

Note: Colleges that request another financial aid form inaddition to the FAFSA do so to look more closely at the family’s financial situation before awarding institutional aid (aid from the college itself). 5. Family’s Financial Aid Package from the College Each college’s financial aid package mayinclude all or some of the types of aid below.See pages 6-10 for more information aboutthese programs. a. Grant or Scholarship from the private college or university (page 6)

b.NYS TAP Grant* (page 7)c. Federal Pell & FSEOG Grant (pages 6-7)d.Federal Work-Study (page 8)e. Federal Direct & Perkins Loans (page 8)Total Financial Aid Package: Depending onthe college and the amount available forgrants or scholarships from the college’s ownfunds, the total financial aid package maycover all of the family’s need or may leave anamount not met by the aid programs listedabove, called “unmet need.” If this occurs,there are other alternatives.

*Program for New York State residents.

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Grants and Scholarships are fundsyou do not have to repay. They are available from colleges, your state, thefederal government, professional and service organizations, private foundationsand some employers. Some grants arebased on your financial need while othersare awarded for academic merit, a specific career goal, special talent orgroup affiliation.

Work-Study Programs provide opportunities to earn money while youare in college by working part time on campus or in the community.

Educational Loans for college costs may be made to you and/or your parents.This aid must be repaid, usually with interest. Some loans are based on financial need. Federal education loan programs most often provide the lowestinterest rates. These include: FederalDirect Loans and Federal PLUS Loans.

Alternatives for Parents and Studentsmay include interest-free monthly paymentplans, Federal PLUS Loans, lines of credit,tuition tax deductions and credits.

According to the U.S. Bureau ofLabor Statistics, in 2014, bachelor’sdegree recipients age 25 and overearned 65% more a week thanthose with a high school diploma.Source: Bureau of Labor Statistics,www.bls.gov/emp/ep_chart_001.htm. AccessedAugust 18, 2015.

Financial Aid Programs � Eligibility for Pell is based on financial needdetermined by total income, net worth(excluding home and family farm equity),family size and the number of children incollege. To apply, you must file the FAFSA.

Federal Supplemental EducationalOpportunity Grants (FSEOG)� Funded jointly by the federal governmentand the colleges, FSEOG awards range from$100 up to $4,000 per year to full- or part-time enrolled undergraduate students withfinancial need who are Pell Grant recipientswith the lowest EFCs. Colleges select recipients and determine award amountsbased on the FSEOG funds available at theircollege. To apply, you must file the FAFSA.

NYS Achievement and Investment inMerit Scholarship (NY-AIMS)� Awards up to $500 to 5,000 students each year for not more than four years ofundergraduate study, or five years in certainprograms.

� Eligibility for NY-AIMS: be a U.S. citizen or eligible non-citizen; graduate from a New YorkState high school in 2015 or later; reside in NYSfor 12 continuous months; be enrolled full-time in an eligible NYS college or university;meet two of the following: graduate with aGPA of 3.3 or greater; graduate “with honors”on a New York State Regents diploma orachieve a score of 3 or higher on twoAdvanced Placement exams, or; graduatewithin the top 15% of high school class.

� For more information: www.hesc.ny.gov(search “AIMS”)

Major Sources of Aid

Grants and ScholarshipsGrants and Scholarships from NYSPrivate Colleges and Universities = $4.8 billion�

� Aid from a college may range up to$60,000 and sometimes more per year,covering part or all of your tuition, feesand related costs. Eligibility is determinedprimarily by financial need as calculatedfrom the financial aid forms you completed (need-based awards). Collegesmay also take into account academicachievement, or talent in athletics, musicor other fields (merit awards).

� To be considered for grants and scholarships from many private collegesand universities, you will be asked to filethe FAFSA. An additional college-specificfinancial aid application and/or the CSSPROFILE® may also be required. Checkwith each financial aid office to determinewhich forms you need to complete to beconsidered for all need-based and merit-based aid. See pages 12-15 for collegecontact information. File the FAFSA assoon as possible after January 1. File allother financial aid forms by their specifieddeadlines.

Federal Pell Grants at NYS Private Collegesand Universities = $472 million�

� Pell Grants are awarded to undergraduatestudents enrolled full or part time in adegree or approved certificate program. In2015-2016, Pell Grant awards range up to$5,775 per year. (See chart on page 7.)

Institutional Grants

Pell

TAP

1980 1990 2000 2014

Tuition Assistance Program (TAP), Pell, and InstitutionalGrants at Private Colleges and Universities in New York

$5.0

$4.0

$3.0

$2.0

$1.0

$0

� Sources: NationalCenter for EducationStatistics; HigherEducation ServicesCorp. Annual Reports;National Association ofIndependent Collegesand Universities.

(billi

ons o

f doll

ars)

$472 million

$4.8 billion

$231 million

† See Perkins note, page 8.

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NYS Tuition Assistance Program (TAP)grants at Private Colleges andUniversities = $231 million�

� TAP is a grant program for NYS residentsattending a NYS college full time. In2015-2016, awards for first-time freshmenat private colleges and universities rangefrom $500 up to $5,165 per year for up tofour years (five years for certain programs).

� Eligibility for TAP is based on NYS net taxable income plus state or federal pension income. The chart on page 7shows TAP awards at selected federaladjusted gross incomes minus NYSexemptions and standard deductions.Note: if you itemize your deductions, yourestimated NYS taxable income will belower and your TAP award will be higher.

� The TAP application process begins withthe FAFSA. To apply for a TAP grant, youmust file the FAFSA and list a college inNew York. Students completing theFAFSA online may file the TAP applicationby linking to it directly from the FAFSAConfirmation Page.

� If you do not begin the online TAP application when you file the FAFSAonline, or if you complete a paper FAFSA,you will receive notification from HESC by email or postcard inviting you to complete the online TAP application. Youmay also request a paper ETA at that timeby contacting HESC at www.hesc.ny.gov or calling 1.888.NYSHESC.

Part-time TAP � New York State residents enrolled in aNYS college part time (6-11 credits) andhave completed 12 credits in each of twopreceding semesters with a minimum 2.0GPA will be eligible to receive Part-timeTAP depending on eligibility (based onneed). Visit www.hesc.ny.gov, or call1.888.NYSHESC for more information.

ADA Part-time TAP � Students with a documentable disabilitymay be eligible for Americans withDisabilities Act (ADA) Part-time TuitionAssistance Program (TAP). ADA Part-timeTAP allows time for students to completeadditional semesters in their college program. For more information, visitwww.hesc.ny.gov (search “ADA”)

NYS Tuition Assistance Program (TAP) Awards

Parent Income Estimated NYS TAP awards at NYS privatebefore taxes (AGI) net taxable income colleges and universities

$0 - 27,600 $ 9,950 $5,16530,000 12,350 5,00135,000 17,350 4,55045,000 27,350 3,42355,000 37,350 2,22365,000 47,350 1,02375,000 57,350 50085,000 67,350 50095,000 77,350 500100,000 82,350 500100,650 83,000 500

NOTE: Based on 2015-2016 dependent undergraduate TAP award schedule (2015 NYS standard deduction);family of 4 with 1 in college. TAP is based on total NYS taxable income; untaxed income is not a factor.

TEACH Grant (Federal Teacher EducationAssistance for College and HigherEducation Grant)� TEACH is a federal grant providing up to $4,000 per year to eligible students attending a participating institution andwho intend to teach in a public or private elementary or secondary school that servesstudents from low-income families. Formore info, visit www.studentaid.ed.gov and search for “TEACH Grant.”

Scholarships from Private Sources� Grants and scholarships are available frommany community and private organizations. Check with your school counselor, public library, employer, Chamberof Commerce, union, church, communityand special-interest organizations.

Federal Pell Grant Program Awards 2015-2016 (2015-2016 federal methodology; award amounts based on 2015-2016 schedule)

A family of 4 A family of 5 A family of 4 A family of 5one wage earner one wage earner two wage earners two wage earners

Number in college 1 2 1 2 1 2 1 2

Parent $0 - 25,000 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775 $5,775income 35,000 4,925 5,025 5,775 5,525 5,775 5,525 5,775 5,775before 40,000 4,125 4,625 5,125 5,125 5,025 5,025 5,775 5,525taxes 45,000 3,325 4,225 4,325 4,725 4,225 4,625 5,225 5,125

50,000 2,525 3,825 3,525 4,325 3,425 4,225 4,325 4,72555,000 1,725 3,325 2,725 3,925 2,625 3,825 3,625 4,32560,000 725 2,825 1,925 3,425 1,825 3,225 2,825 3,92565,000 0 2,225 1,025 2,925 925 2,925 2,025 3,52570,000 0 1,525 0 2,325 0 2,325 1,125 3,02575,000 0 725 0 1,725 0 1,625 0 2,42580,000 0 0 0 925 0 825 0 1,825

Student LoansFederal Direct Loans � Depending on your financial need and statusas a dependent or independent student,there are two types of Federal Direct Loanswith varying interest rates and borrowinglimits:

• Subsidized Direct Loans are available only for undergraduate study. Loans firstdisbursed between July 1, 2015 and June30, 2016 have a fixed interest rate of 4.29%for the 2015-2016 academic year. The interest on Subsidized Direct Loans isbased on a student’s financial need as calculated from the information on theFAFSA. There is no income cutoff as long asyou demonstrate need. Please see the tableon page 9 for more information.

• Unsubsidized Direct Loans are available to undergraduate and graduate studentsand have a fixed interest rate of 4.29% forundergraduates and 5.84% for graduate orprofessional study (for loans first disbursedbetween July 1, 2015 and June 30, 2016)and are not based on financial need.Undergraduate students must exhaust their Subsidized Direct Loans (if eligible)prior to using unsubsidized loans. The interest on Unsubsidized Direct Loansaccrues while the student is enrolled in college, although payments can bedeferred until after graduation.

� Aggregate loan limit for undergraduatedependent students is up to $31,000 inDirect Loans, of which no more than $23,000may be subsidized loans. Graduate and professional students aggregate limit is$138,500, of which no more than $65,500may be from subsidized undergraduateDirect Loans. Borrowing limits for students incertain health profession programs are higher.

� Repayment begins six months after you areno longer enrolled at least half-time withseveral repayment options available. See thetable on page 9 for annual Direct Loan limitsfor undergraduate and graduate study.

� To apply for federal student loans, studentsmust first complete the FAFSA.

Work-StudyFederal Work-Study Program (FWS)� Eligibility is based on financial need.Students usually work 5 to 15 hours perweek during the academic year. To apply,you must file the FAFSA.

Job programs from Private Collegesand Universities� Check with the college’s financial aidoffice for on-campus job availability.

� Community service jobs are also available for work–study students.

Federal Perkins Loans†

� In 2015-2016, undergraduates may borrowup to $5,500 per year; up to $27,500total for undergraduate study. Graduate/ professional students may borrow up to$8,000 per year. The maximum total for all years of study is $60,000. The federal government will pay the fixed 5% interest until you begin repayment.Repayment begins nine months after youare no longer enrolled at least half time(up to 10 years to repay). Exceptionalfinancial need and the availability offunds determine eligibility. To apply, filethe FAFSA.

Alternatives forParents and StudentsFederal PLUS Loans PLUS Loans for parents of dependent undergraduate students

� PLUS is a federal loan program where parents and/or stepparents may borrowup to the cost of attendance, less other financial aid, each year for eachundergraduate dependent childenrolled at least half-time. Eligibility is not based on need but parents musthave acceptable credit history or an eligible co-signer. PLUS Loans can beused to meet the calculated family contribution.

� The interest rate is fixed at 6.84% forloans disbursed July 1, 2015 – June 30,2016. Repayment begins 60 days afterthe loan is fully disbursed. Borrowers mayselect from different repayment options.Interest may be tax deductible.

� To apply, students complete the FAFSAand a Direct PLUS Loan application.Check with the college for any additional loan application procedures.

PLUS Loans for graduate and professional degree students

� Graduate and professional degree students may borrow through the PLUS Loan program up to their cost ofattendance minus other aid. Studentsmust have first applied for maximumloan eligibility under the Direct Loanprogram and must have acceptablecredit history.

With grants, scholarships and other aid money, private colleges are oftenno more expensive – and sometimesless costly – than state colleges.

Academic Requirements forFederal Student Aid EligibilityFederal Student Aid Eligibility requires that students prove they have attained one of thefollowing:

� A high school diploma or recognized equivalent such as a General EducationDevelopment (GED) certificate, or TestAssessing Secondary Completion (TASC™) or

� Complete a high school education in a home-school setting approved under state law.

Financial Aid Programs Major Sources of Aid

Did you know that the amount you pay at a private college or universitycould be less than what you would payat a public institution? Most private colleges provide institutional aid (aiddirectly from the college or university)to help students cover expenses. InNew York, that student aid totals morethan $4.8 billion annually!

8† As of October 1, 2015, Perkins loans are no longer available to new borrowers. Current Perkins Loan borrowersmay be eligible to continue in the program. Contact your college's financial aid office for more information.

qualifying student loans may also bededucted to reduce the amount of yourincome subject to tax by up to $2,500. For more information, visit irs.gov/Tax-Benefits-for-Education, or contact yourtax advisor.

New York State College Tuition Tax Credit/Deductions� New York State taxpayers may take either: 1) a tax credit or an itemized tax deductionfor college tuition expenses at an in-state or out-of-state institution fortheir dependent’s, spouse’s or their ownundergraduate study; or,

2) an itemized deduction for qualified college tuition expenses up to a maximumof $10,000 for each eligible student.

� For more information consult your tax advisor or go to: www.hesc.ny.gov andsearch for “tuition tax credit.”

New York’s College Savings Program� Start a college savings program with aminimum $25 deposit. You need not be a NYS resident, although NYS taxpayerscan receive a NYS income tax deductionfor contributions up to $5,000 annually(up to $10,000 for married couples filingjointly). Qualified withdrawals are exemptfrom state and federal income taxes.Savings may be used to meet collegecosts at any eligible college or university.For details: 1.877.NYSAVES orwww.nysaves.org

9

� To apply, students complete the FAFSAand a Direct PLUS Loan application.Check with the college for any additionalloan application procedures.

Interest-Free Monthly Payment Plans� Interest-free, insured, monthly installmentplans are available at many colleges for payment of tuition, fees, room and board andother expenses. The payment plan optionsmay include a semester payment plan (5-month plan), or a 10- to 12-month paymentplan for the academic year. Check with thecollege.

AmeriCorps� AmeriCorps is a federal volunteer program.Participants serve up to 12 months. DuringAmeriCorps service, members receive a living allowance, housing, meals, andbecome eligible for a Segal AmeriCorpsEducation Award following completed service. This award may be used to payeducational costs at eligible post-secondary educational institutions, as well as to repay qualified student loans.For more information call 1.800.942.2677,or visit www.nationalservice.gov.

Federal Tax Incentives� The Federal government offers tax creditsand deductions to families and studentswith qualifying education expenses,including tuition and related fees, booksand other required course materials paidfor higher education. Interest paid on

Ways your aid may changeFinancial aid counselors see it all the time – a student loses his or her financial aid and has no idea why.Financial aid – whether it is loans, scholarships or grants – usually comeswith strings attached. It is important tokeep on top of your grants, scholarshipsand loans – and understand what isrequired to keep your awards. Here arethe most common ways students lose orwill see changes in their aid from oneyear to the next:

1 Not showing adequate progresstoward your degree.

2 Not maintaining at least a 2.0 GPA overall – not just in your major.

3 Not finishing at least 70 percent of the classes you take.

4 Not knowing all of the conditions of your aid. Some stipulations to maintain aid go beyond these minimums.

5 Your family’s financial situationchanged resulting in a higherExpected Family Contribution(need-based aid).

6 Your sibling(s) graduated from an undergraduate program.

Source: Adapted from EduGuide.org

Dependent Students Total Annual Limit for Interest Ratewhose parents were Subsidized and Unsubsidized not denied a PLUS Loan* Direct Loans

Freshmen $5,500 (no more than $3,500 subsidized) 4.29% fixed Sophomores $6,500 (no more than $4,500 subsidized) for new loans Juniors and Seniors $7,500 (no more than $5,500 subsidized) July 1, 2015 - June 30, 2016**

Graduate and Professional Students

Graduate and $20,500 5.84% fixedProfessional Students (unsubsidized only)Graduate and professional students enrolled in certain health profession programs may receive additional unsubsidized Direct Loan amounts.

Source: Adapted from https://studentaid.ed.gov/sa/types/loans/subsidized-unsubsidized, September 2015. *Independentstudents and dependent students whose parents were denied a PLUS Loan are able to borrow an additional UnsubsidizedDirect Loan. **Subsidized Direct Loan interest is subject to change after June 30, 2016.

Federal Direct Loan Limits, 2015-2016 Academic Year*

Major Sources of Aid

Other ProgramsHigher Education OpportunityProgram (HEOP)

� HEOP provides financial aid to cover the majority of college costs, academic tutoring and educational counseling for academically and economically disadvantaged NYS students. Institutionsthat currently offer HEOP may be foundat: www.nysed.gov (search “HEOP”).

Loan Forgiveness Programs• District Attorney and Indigent Legal ServicesAttorneys Loan Forgiveness Program†:1.888.NYSHESC• NYS Get On Your Feet Loan ForgivenessProgram† for students graduating 2015 and beyond: 1.888.NYSHESC• Licensed Social Worker Loan ForgivenessProgram†: 1.888.NYSHESC• Public Service Loan Forgiveness (PSLF)Program: 1.800.4.FED.AID• NYS Young Farmers Loan Forgiveness Incentive Program†: 1.888.NYSHESC• Perkins Loan Cancellation Programs:1.800.4.FED.AID• Teacher Loan Forgiveness Program:1.800.4.FED.AID

Loan Repayment � Federal Loan Repayment Options:https://studentaid.ed.gov/sa/repay-loans

ROTC Programs� The Army, Marine Corps, Navy, and AirForce offer financial assistance to qualifiedstudents. Scholarships may range up tofull tuition plus fees, books and uniform; a monthly stipend may also be awarded.Students incur a service obligation (generally for a total of eight years) inreturn for a four-year scholarship (some 3-, 2- and even 1-year scholarships areavailable).

� The application deadline is usually inDecember of the high school senior year. For a list of ROTC programs at private colleges and universities in New York goto: www.nycolleges.org (search “ROTC”).

Veterans Education Benefits� For veterans with active duty service, thereare a number of programs available to helpwith college costs. For example, the Post-9/11 GI Bill provides students attending private colleges and universities in New YorkState up to $21,085 for tuition and feesbetween August 1, 2015 and July 31, 2016.The amount changes annually. In somecases, this benefit can be transferred toother family members. For programoverviews, visit www.gibill.va.gov/benefits/index.html. In addition, several private, not-for-profit colleges and universities inNew York State participate in the YellowRibbon Program, a matching program thatwill cover some or all of any tuition and feecharges not covered by the Post-9/11 GI Billprogram. For additional information, visitwww.benefits.va.gov/gibill/post911_gibill.asp and consult with the veterans certifyingofficial at the college or university you areconsidering.

† New York State programs for New York State residents.

10

Other Scholarships/Grants � Learn more at www.hesc.ny.gov.

• Aid for Part-Time Study (APTS)†:contact your college.• Flight 3407 Memorial Scholarship:1.888.NYSHESC• Flight 587 Memorial Scholarship:1.888.NYSHESC• Military Service Recognition Scholarship (MSRS):1.888.NYSHESC• NYS Aid to Native Americans†: 1.518.474.0537• NYS Math & Science Teaching IncentiveScholarship: 1.888.NYSHESC• NYS Memorial Scholarship for families of deceased firefighters, volunteer firefighters,police officers, peace officers, and emergencymedical service workers: 1.888.NYSHESC• NYS Recruitment Incentive and RetentionProgram (RIRP)† for the State Military Forces:www.dmna.state.ny.us/education• NYS Regents Award for Children of Deceased andDisabled Veterans: 1.888.NYSHESC• NYS Scholarship for Academic Excellence†: contact your guidance office.• NYS Veterans Tuition Award (VTA)†: 1.888.NYSHESC• Senator Patricia K. McGee Nursing FacultyScholarship† for registered professional nursesenrolling in graduate programs: 1.888.NYSHESC• NYS World Trade Center Memorial Scholarship:1.888.NYSHESC

Financial Aid Programs InternetResources• Go College! NY – A website designed especially for students new to the collegesearch process: www.GoCollegeNY.org• College Navigator, a U.S. Department ofEducation website, allows students tosearch colleges and universities:www.nces.ed.gov/collegenavigator• Federal Student Aid Information Center: 1.800.4FED.AID, or www.studentaid.ed.gov• With FAFSA4caster you can estimate youreligibility for federal student aid: https://fafsa.ed.gov/FAFSA/app/f4cForm• Funding Education Beyond High School –A Guide to Federal Student Aid: www.studentaid.ed.gov/resources• NYS Higher Education Services Corporation –Information on NYS grants and scholarships: 1.888.NYSHESC, or www.hesc.ny.gov• HOPE Scholarship and Lifetime LearningCredits and other federal incentive programs:www.irs.gov/publications/p970• NYS college tuition tax credit/deductions:www.hesc.ny.gov (search “tax credit”)• The Internal Revenue Service (IRS) site provides information about new tax laws (taxcredits and deductions for college expenses):www.irs.gov• Hispanic Scholarship Fund: https://hsf.net• Joseph Tauber Scholarship Program:646.473.8999: www.1199seiubenefits.org/ccf• United Negro College Fund, Inc.: https://scholarships.uncf.org• Fastweb.com: A database of thousands of private scholarships: www.fastweb.com• New York’s 529 College Savings Program canhelp families save for college with significant tax benefits: 1.877.NYSAVES, or www.nysaves.org• The Upromise® Rewards Program is a savings-through-purchase program. Shop at hundreds of companies and a percentage of the purchase price is depositedinto a savings account. Upromise® can be tiedto the New York 529 College SavingsProgram: www.upromise.com• The College Savings Plan Network –Information on state-sponsored prepaidtuition and college savings plans: www.collegesavings.org

11Visit

www.studentaid.ed.gov orwww.nasfaa.org

for more information on financial aid.

NOTE: Register for the SAT® exams online at www.collegeboard.org.Online SAT® exam registration deadlines expire at midnight, EasternDaylight Time. Register for ACT exams online at www.actstudent.org.Online ACT exam deadlines expire at midnight, Central Time. If applying by mail, registration deadlines listed here refer to regular U.S. postmark dates. Visit above websites for international deadlines and U.S. late registration deadlines.

For students entering college in 2016-2017Process will change for students entering in 2017-2018

Calendar2015September and October� Colleges encourage visits from students and theirparents/guardians. It is your chance to “try on” acampus. Use the map on pages 12-15 to planyour trips. Also ask your school counselor aboutcollege fairs in your area. At the fairs, talk withcollege representatives and start to build relationships.

� Make a list of colleges you will apply to andnote details about each college’s applicationprocess (online or by mail). Be sure to keeptrack of the colleges’ admission and financial aiddeadlines!

� Ask your teachers and others for the letters of recommendation you will need for youradmission applications.Sep. 3: Registration deadline for Oct. 3

SAT® & SAT Subject Tests™.Sep. 18: Registration deadline for

Oct. 24 ACT.Oct. 3: SAT® & SAT Subject Tests™ date.Oct. 9: Registration deadline for Nov. 7

SAT® & SAT Subject Tests™.Oct. 14: PSAT/NMSQT† test date

(recommended).Oct. 24: ACT test date.Oct. 28: PSAT/NMSQT† alternate test date.

November and December� Explore all financial aid sources, including scholarships from local businesses, organizations,employers, churches, etc. Ask for help at yourpublic library and guidance/college office.Attend financial aid workshops and college fairs.

� Continue completing your college applications.Pay careful attention to the deadlines!

� If you plan on completing the FAFSA online(recommended), get FSA IDs* for you and yourparents/guardians at https://fsaid.ed.gov.Obtain the Free Application for Federal StudentAid (FAFSA) worksheet from your schoolcounselor or online at www.fafsa.ed.gov.Check with all the colleges to which you areapplying to determine if there are otherfinancial aid forms you must complete toqualify for all types of aid. Obtain allrequired forms.Nov. 5: Registration deadline for Dec. 5

SAT® & SAT Subject Tests™.Nov. 6: Registration deadline for

Dec. 12 ACT.Nov. 7*: SAT® & SAT Subject Tests™ date.Dec. 5*: SAT® & SAT Subject Tests™ date.Dec. 12: ACT test date.Dec. 28: Registration deadline for Jan. 23

SAT® & SAT Subject Tests™.

April� Colleges with traditional admissions andfinancial aid deadlines will notify you of collegeacceptance and financial aid packages.Evaluate the offers. Notify all the colleges ofyour decision to accept or decline theiroffers, or request an extension, usually byMay 1. Pay attention to those deadlines!

� If you still wish to expand your options, some colleges will accept admissions andfinancial aid applications at this time. Visit www.nycolleges.org/view-college-information for college contact information.Apr. 8: Registration deadline for May 7

SAT®† & SAT Subject Tests™.Apr. 9: ACT test date.

May and June� May 1 is the traditional deadline for studentsto notify colleges of their college choice. If youdecline admission and have received an aidpackage, notify the college financial aid officeso it can offer the award to another student.

� NYS residents applying for TAP: If you appliedby mail, review, correct and return yourExpress TAP Application (ETA) to HESC. Be sureyour TAP Award Certificate contains the codefor the college you will attend. Check youremail for correspondence from HESC aboutyour TAP award. If you decide to attend a college in New York State, review your TAPapplication information and provide additionalinformation, or make corrections if needed, orif requested by HESC. Visit www.hesc.ny.govfor more information, or call 1.888.NYSHESC.

� Follow up on the progress of your grants, scholarships, loans, work-study and otherforms of student aid.May 2-6 Advanced Placement (AP)& 9-13: Program® Exams.

May 5: Registration deadline for Jun. 4SAT®† & SAT Subject Tests™.

May 6: Registration deadline for Jun.11 ACT.

May 7*: SAT®† & SAT Subject Tests™ date.Jun. 4*: SAT®† & SAT Subject Tests™ date.Jun. 11: ACT test date.

� Don’t forget to send thank-you notes to all whohelped you through your college search.

2016January� Attend local college financial aid workshops.

� As soon as possible after January 1, completeand submit your FAFSA, or complete it online athttp://fafsa.ed.gov. Estimate your income if you have not yet completed your tax returns. It is better to estimate than wait. Keep a copy of allthe forms you file. Complete and submit all otherrequired financial aid forms. Watch your deadlines! You’ll receive your Student AidReport (SAR) within four weeks after filing yourFAFSA by mail; sooner if you complete it online.Review your SAR carefully. Follow directions tocorrect errors.

� New York State students who file the FAFSAonline may apply for a Tuition AssistanceProgram (TAP) grant online by linking to itdirectly from your FAFSA confirmation page.For more information about applying for TAP,call 1.888.NYSHESC.

� If you need help completing the FAFSA, makesure you attend a College Goal event in yourarea. Local college financial aid administratorswill be there to help you and your family complete the FAFSA. For more information:https://collegegoalny.orgJan. 8: Registration deadline for

Feb. 6 ACT–Outside NYS only.Jan. 23*: SAT® & SAT Subject Tests™ date.

February and March� If you have not already done so, visit the colleges to which you applied.

� Start to look for a summer job.� In March, many colleges begin to notify students of college acceptance. See April formore information.Feb. 5: Registration deadline for Mar. 23

SAT®† tests™.Feb. 6: ACT test date–Outside

NYS only.Feb. 22- PSAT 10† possible test Mar. 4: administration dates.

Mar. 4: Registration deadline for Apr. 9 ACT.

Mar. 5: SAT®† only test date.

* In spring 2015, the login process changed. If you alreadyhad a PIN, you will be instructed on how to create a username and password for the new login system.

† New, redesigned test.

12

New York’s 100+ Private Colleges and Universities

Western New York1. Canisius College 800.843.1517

Buffalo (B,G) www.canisius.edu

2. Daemen College 800.462.7652Amherst (B,G) www.daemen.edu

3. D’Youville College 800.777.3921Buffalo (B,G) www.dyc.edu

4. Hilbert College 800.649.8003Hamburg (A,B,G) www.hilbert.edu

5. Houghton College 800.777.2556Houghton (A,B,G) www.houghton.edu

6. Medaille College 800.292.1582Buffalo (A,B,G) www.medaille.edu

7. Niagara University 800.462.2111Niagara Falls (A,B,G) www.niagara.edu

8. St. Bonaventure University 800.462.5050St. Bonaventure (B,G) www.sbu.edu

9. Trocaire College 716.827.2545Buffalo (A,B) www.trocaire.edu

10. Villa Maria College 716.961.1805Buffalo (A,B) www.villa.edu

Finger Lakes1. Finger Lakes Health College of 315.787.4005

Nursing, Geneva (A) www.flhealth.org/rn

2. Hobart and William Smith Colleges 800.852.2256Geneva (B,G) www.hws.edu

3. Keuka College 800.33.KEUKAKeuka Park (B,G) www.keuka.edu

4. Medaille College/Rochester Campus 585.272.0030Rochester (A,B,G) www.medaille.edu

5. Nazareth College 800.432.3944 Rochester (B,G) www.naz.edu

6. New York Chiropractic College 800.234.6922Seneca Falls (G) * www.nycc.edu

7. Roberts Wesleyan College 800.777.4RWCRochester (A,B,G) www.roberts.edu

8. Rochester Institute of Technology 585.475.6631Rochester (A,B,G) www.rit.edu

9. St. John Fisher College 800.444.4640Rochester (B,G) www.sjfc.edu

10. University of Rochester and 888.822.2256Eastman School of Music www.rochester.eduRochester (B,G)

Central New York1. Cazenovia College 800.654.3210

Cazenovia (A,B) www.cazenovia.edu

2. Colgate University 315.228.7401Hamilton (B,G) www.colgate.edu

3. Le Moyne College 800.333.4733Syracuse (B,G) www.lemoyne.edu

4. St. Joseph’s College of Nursing at 315.448.5040St. Joseph’s Hospital Health Center www.sjhcon.eduSyracuse (A)

5. Syracuse University 315.443.3611Syracuse (A,B,G) www.syr.edu

6. Wells College 800.952.9355Aurora (B) www.wells.edu

Southern Tier1. Cornell University 607.255.5241

Ithaca (B,G) www.cornell.edu

2. Elmira College 800.935.6472Elmira (A,B,G) www.elmira.edu

3. Ithaca College 800.429.4274Ithaca (B,G) www.ithaca.edu

Mohawk Valley1. Hamilton College 800.843.2655

Clinton (B) www.hamilton.edu

2. Hartwick College 888.HARTWICKOneonta (B) www.hartwick.edu

3. St. Elizabeth College of Nursing 315.798.8347Utica (A) www.secon.edu

4. Utica College 800.782.8884Utica (B,G) www.utica.edu

North Country1. Clarkson University 800.527.6577

Potsdam (B,G) www.clarkson.edu

2. Paul Smith’s College of Arts 800.421.2605and Sciences, Paul Smiths (A,B) www.paulsmiths.edu

3. St. Lawrence University 800.285.1856Canton (B,G) www.stlawu.edu

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

* Graduate-only campus.

KEY: College Name PhoneCity (Degrees Offered) Web

Campus Locator

13

Capital District1. Albany College of Pharmacy 888.203.8010

and Health Sciences, Albany (B,G) www.acphs.edu

2. Albany Law School 518.445.2326Albany (G) * www.albanylaw.edu

3. Albany Medical College 518.262.5521Albany (G) * www.amc.edu

4. The Belanger School of Nursing 518.243.4471Schenectady (A) www.ellismedicine.org/school-of-

nursing

5. The College of Saint Rose 800.637.8556Albany (B,G) www.strose.edu

6. Excelsior College 888.647.2388Albany (A,B,G) www.excelsior.edu

7. Maria College 518.861.2517Albany (A,B) www.mariacollege.edu

8. Memorial College of Nursing 518.471.3260Albany (A) www.nehealth.com/son

9. Rensselaer Polytechnic Institute 518.276.6216Troy (B,G) www.rpi.edu

10. The Sage Colleges/Russell Sage 888.VERY.SAGECollege (B), Sage Graduate School www.sage.eduTroy (G) *

11. The Sage Colleges/Sage College 888.VERY.SAGEof Albany, Albany (B) www.sage.edu

12. Samaritan Hospital School 518.271.3285of Nursing, Troy (A) www.nehealth.com/son

13. Siena College 888.AT.SIENALoudonville (B,G) www.siena.edu

14. Skidmore College 800.867.6007Saratoga Springs (B) www.skidmore.edu

15. Union College 888.843.6688Schenectady (B) www.union.edu

16. Union Graduate College 518.631.9831Schenectady (G) * www.uniongraduatecollege.edu

Western

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1

Finger Lakes

4 105 98

Central

Syracuse

Ithaca

Geneva

Utica

2

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North Country

Potsdam3

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Albany

Troy

CapitalDistrict

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Rochester

Southern Tier

Mohawk ValleyBuffalo

See next page for Mid-Husdon, New York City and Long Island

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Mid-Hudson1. Bard College 845.758.7472

Annandale-on-Hudson (A,B,G) www.bard.edu2. Cochran School of Nursing 914.964.4296

Yonkers (A) www.cochranschoolofnursing.us3. The College of New Rochelle 800.933.5923

New Rochelle (B,G) www.cnr.edu4. The College of New Rochelle/School of 800.288.4767

New Resources,New Rochelle (B) www.cnr.edu5. Concordia College 800.YES.COLLEGE

Bronxville (A,B,G) www.concordia-ny.edu6. The Culinary Institute of America 800.CULINARY

Hyde Park (A,B) www.ciachef.edu7. Dominican College 866.432.4636

Orangeburg (A,B,G) www.dc.edu8. Fei Tian College 845.672.0550

Cuddebackville (B) www.feitian.edu9. Fordham University/Westchester 914.367.3426

Campus, West Harrison (G) * www.fordham.edu10. Iona College 800.231.IONA

New Rochelle (B,G) www.iona.edu11. Iona College Rockland Graduate Center 866.850.IONA

Pearl River (G) * www.iona.edu/rockland12. LIU Hudson at Rockland 845.359.7200

Orangeburg (G) * www.liu.edu/hudson13. LIU Hudson at Westchester 914.831.2700

Purchase (G) * www.liu.edu/hudson14. Manhattanville College 914.323.5464

Purchase (B,G) www.mville.edu15. Marist College 800.436.5483

Poughkeepsie (B,G) www.marist.edu16. Mercy College/Dobbs Ferry Campus 877.MERCY.GO

(main campus), Dobbs Ferry (A,B,G) www.mercy.edu17. Mercy College/Yorktown Campus 877.MERCY.GO

Yorktown Heights (A,B,G) www.mercy.edu18. Montefiore School of Nursing 914.361.6472

Mount Vernon (A) www.montefiorehealthsystem.org19. Mount Saint Mary College 888.YES.MSMC

Newburgh (B,G) www.msmc.edu20. New York University/Silver School 845.398.4129

of Social Work at St. Thomas Aquinas www.nyu.eduCollege, Sparkill (G) *

21. Nyack College and Alliance 800.33NYACK (College)Theological Seminary, Nyack (A,B,G) 800.541.6891 (Seminary)

www.nyack.edu22. Pace University/Lubin Graduate 914.422.4283

Center, White Plains (G) * www.pace.edu23. Pace University/Pleasantville- 800.874.PACE

Briarcliff Campus, Pleasantville (A,B,G) www.pace.edu24. Pace University/White Plains Campus 914.422.4210

School of Law, White Plains (G) * www.law.pace.edu25. Sarah Lawrence College 800.888.2858

Bronxville (B,G) www.slc.edu26. St. Thomas Aquinas College 800.999.STAC

Sparkill (A,B,G) www.stac.edu27. Touro College/New York Medical 914.594.4000

College, Valhalla (G) * www.nymc.edu28. Vassar College 800.827.7270

Poughkeepsie (B,G) www.vassar.edu

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Bronx 8 campusesManhattan 34 campuses

Brooklyn 9 campuses

Staten Island 2 campuses

Queens 4 campuses

14

227

4 105

Long Island

Mid-Hudson

4

9 6

17

21

2

138

1

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2411

25

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103

72

19

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Poughkeepsie 28

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1220 26 16

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New York City(The 5 Boroughs)

Bronx1. Albert Einstein College of Medicine 718.430.2000

of Yeshiva University (G) * www.einstein.yu.edu2. Boricua College/Bronx Campus 347.964.8600

(A,B,G) www.boricuacollege.edu3. College of Mount Saint Vincent 800.665.CMSV

Riverdale (A,B,G) www.mountsaintvincent.edu4. The College of New Rochelle/School 800.288.4767

of New Resources/Co-op City (B) www.cnr.edu5. The College of New Rochelle/School 800.288.4767

of New Resources/John Cardinal www.cnr.eduO’Connor Campus (B)

6. Fordham University (B,G) 800.FORDHAMwww.fordham.edu

7. Manhattan College 800.MC2.XCELRiverdale (B,G) www.manhattan.edu

8. Mercy College/Bronx 877.MERCY.GOCampus (A,B,G) www.mercy.edu

Brooklyn1. Boricua College/Brooklyn Campus (A,B,G) www.boricuacollege.edu

Northside Center 718.782.2200Graham Center 718.963.4112

2. Bramson ORT College/ 718.261.5800 x640Extension Center (A) www.bramsonort.edu

3. The College of New Rochelle/School of 800.288.4767 New Resources/Brooklyn Campus (B) www.cnr.edu

4. LIU Brooklyn (A,B,G) 800.LIU.PLANwww. liu.edu/brooklyn

5. New York University Polytechnic School 718.260.3182of Engineering (B,G) http://engineering.nyu.edu

6. Pratt Institute (B,G) 800.331.0834www.pratt.edu

7. St. Francis College 718.489.52 00Brooklyn Heights (A,B,G) www.sfc.edu

8. St. Joseph’s College/Brooklyn 718.940.5800Campus (B,G) www.sjcny.edu

9. Touro College/Lander College of 718.252.7800Arts & Sciences, Flatbush (A,B,G) www.touro.edu

* Graduate-only campus.

14

15

30. Touro College 212.463.0400 x5500 (A,B,G) www.touro.edu

31. Touro College/Harlem Campus: 212.851.1199Touro College of Osteopathic www.touro.edu/med Medicine (G) *Touro College of Pharmacy (G) * 212.851.1192

www.pharmacy.touro.edu32. Weill Cornell Graduate School 212.746.6565

of Medical Sciences (G) * http://weill.cornell.edu/gradschool33. Weill Cornell Medicine (G) * 212.746.1067

http://weill.cornell.edu34. Yeshiva University (A,B,G) 212.960.5277

www.yu.edu Queens1. Bramson ORT College 718.261.5800 x640

Forest Hills (A) www.bramsonort.edu2. St. John’s University/Queens 888.9STJOHNS

Campus (main campus) (A,B,G) www.stjohns.edu3. Touro College/The Lander College 718.820.4800

for Men, Kew Gardens (B) http://lcm.touro.edu4. Vaughn College of Aeronautics 866.6VAUGHN

and Technology, Flushing (A,B,G) www.vaughn.edu

Staten Island1. St. John’s University/Staten Island 888.9STJOHNS

Campus (A,B,G) www.stjohns.edu/campuses/staten-island-campus

2. Wagner College (B,G) 718.390.3411www.wagner.edu

Long Island1. Adelphi University 800.ADELPHI

Garden City (A,B,G) www.adelphi.edu2. Cold Spring Harbor Laboratory, 516.367.6890

Watson School of Biological Sciences www.cshl.org/gradschoolCold Spring Harbor (G) *

3. Dowling College 800.DOWLINGOakdale (B,G) www.dowling.edu

4. Hofstra University 800.HOFSTRAHempstead (B,G) www.hofstra.edu

5. LIU Brentwood 631.287.8500Brentwood (B,G) www.liu.edu/brentwood

6. LIU Post 800.LIU.PLANBrookville (A,B,G) www.liu.edu/post

7. LIU Riverhead 631.287.8010Riverhead (B,G) www.liu.edu/riverhead

8. Molloy College 888.4MOLLOYRockville Centre (A,B,G) www.molloy.edu

9. New York Institute of Technology 800.345.NYIT(NYIT)/Old Westbury Campus www.nyit.eduOld Westbury (A,B,G)

10. St. John’s University/ 800.9STJOHNSOakdale Campus, Oakdale (G) * www.stjohns.edu

11. St. Joseph’s College/Long Island 631.687.45 00Campus, Patchogue (B,G) www.sjcny.edu

12. Touro College/Jacob D. Fuchsberg 631.761.7000Law Center, Central Islip (G) * www.tourolaw.edu

13. Touro College/Bay Shore Campus: 866.TOURO.4.USchool of Health Sciences www.touro.edu/shsBay Shore (A,B)

Graduate School of Education 212.462.4889Bay Shore (G) * http://legacy.touro.edu/edgrad

14. Webb Institute 866.708.WEBBGlen Cove (B) www.webb.edu

Manhattan1. American Academy McAllister 866.932.2264

Institute of Funeral Service (A) www.funeraleducation.org2. American Museum of Natural History, 212.769.5055

Richard Gilder Graduate School (G) * http://rggs.amnh.org3. Bank Street College of Education (G) * 212.875.4404

www.bankstreet.edu4. Barnard College (B) 212.854.2014

www.barnard.edu5. Boricua College (A,B,G) 212.694.1000

www.boricuacollege.edu6. The College of New Rochelle/School of 800.288.4767

New Resources/District Council 37 (B) www.cnr.edu7. The College of New Rochelle/School of 800.288.4767

New Resources/Rosa Parks Campus (B) www.cnr.edu8. Columbia University (B,G) 212.854.2522

www.columbia.edu9. Cooper Union (B,G) 212.353.4120

www.cooper.edu10. Fordham University/Lincoln Center 800.FORDHAM

Campus (B,G) www.fordham.edu11. Helene Fuld College of Nursing (A,B) 212.616.7200

www.helenefuld.edu12. The King’s College (B) 888.969.7200

www.tkc.edu13. Manhattan School of Music (B,G) 917.493.4436

www.msmnyc.edu14. Marymount Manhattan College (B) 800.MARYMOUNT

www.mmm.edu15. Mercy College/Manhattan Campus (A,B,G) 877.MERCY.GO

www.mercy.edu16. Metropolitan College of New York (A,B,G) 800.33THINK x5001

www.mcny.edu17. The New School: 800.292.3040

College of Performing ArtsMannes School of Music (B,G) www.newschool.edu/mannesSchool of Drama (B,G) www.newschool.edu/dramaSchool of Jazz (B) www.newschool.edu/jazz

Eugene Lang College of Liberal Arts (B) www.newschool.edu/langThe New School for Social Research (G) * www.newschool.edu/nssrParsons School of Design (A,B,G) www.newschool.edu/parsonsSchools of Public Engagement (B,G) www.newschool.edu/public-

engagement18. New York College of 800.526.6966

Podiatric Medicine (G) * www.nycpm.edu19. New York Institute of Technology 800.345.NYIT

(NYIT)/Manhattan Campus (A,B,G) www.nyit.edu20. New York School of Interior 800.33.NYSID

Design (A,B,G) www.nysid.edu21. New York University (A,B,G) 212.998.4500

www.nyu.edu22. Nyack College and Alliance 800.33NYACK (College)

Theological Seminary (A,B,G) 800.541.6891(Seminary)www.nyack.edu

23. Pace University/New York City 800.874.PACECampus (A,B,G) www.pace.edu

24. Phillips Beth Israel School 212.614.6114of Nursing (A,B) http://pbisn.edu

25. Pratt Institute/Manhattan 800.331.0834Campus (A,B,G) www.pratt.edu

26. Relay Graduate School of Education (G) * 212.228.1888www.relay.edu

27. The Rockefeller University (G) * 212.327.8086www.rockefeller.edu

28. St. John’s University/ 888.9STJOHNSManhattan Campus (B,G) www.stjohns.edu/campuses/

manhattan29. Teachers College, Columbia 212.678.3710

University (G) * www.tc.columbia.edu

Commission on Independent Colleges and Universities17 Elk StreetAlbany, NY 12207email: outreach@cicu.orgPhone: (518) 436.4781Fax: (518) 433.8825

New York’s 100+ Private Colleges and UniversitiesAdelphi UniversityAlbany College of Pharmacy and Health SciencesAlbany Law SchoolAlbany Medical CollegeAmerican Academy McAllisterInstituteAmerican Museum of Natural History, Richard Gilder Graduate SchoolBank Street College of EducationBard CollegeBarnard CollegeThe Belanger School of NursingBoricua CollegeBramson ORT CollegeCanisius CollegeCazenovia CollegeClarkson UniversityCochran School of NursingCold Spring Harbor Laboratory, Watson School of BiologicalSciencesColgate UniversityCollege of Mount Saint VincentThe College of New RochelleThe College of Saint RoseColumbia UniversityConcordia CollegeCooper UnionCornell UniversityThe Culinary Institute of AmericaDaemen CollegeDominican CollegeDowling CollegeD’Youville CollegeElmira CollegeExcelsior CollegeFei Tian CollegeFinger Lakes Health College ofNursing

Fordham UniversityHamilton CollegeHartwick CollegeHelene Fuld College of NursingHilbert CollegeHobart and William Smith CollegesHofstra UniversityHoughton CollegeIona CollegeIthaca CollegeKeuka CollegeThe King’s CollegeLe Moyne CollegeLong Island UniversityManhattan CollegeManhattan School of MusicManhattanville CollegeMaria CollegeMarist CollegeMarymount Manhattan CollegeMedaille CollegeMemorial College of NursingMercy CollegeMetropolitan College of New YorkMolloy CollegeMontefiore School of NursingMount Saint Mary CollegeNazareth CollegeThe New SchoolNew York Chiropractic CollegeNew York College of PodiatricMedicineNew York Institute of Technology(NYIT)New York School of Interior DesignNew York UniversityNiagara UniversityNyack CollegePace UniversityPaul Smith’s College of Arts andSciences

Phillips Beth Israel School of NursingPratt InstituteRelay Graduate School of EducationRensselaer Polytechnic InstituteRoberts Wesleyan CollegeRochester Institute of TechnologyThe Rockefeller UniversityThe Sage CollegesSamaritan Hospital School of NursingSarah Lawrence CollegeSiena CollegeSkidmore CollegeSt. Bonaventure UniversitySt. Elizabeth College of NursingSt. Francis CollegeSt. John Fisher CollegeSt. John’s UniversitySt. Joseph’s CollegeSt. Joseph’s College of Nursing at St.Joseph’s Hospital Health CenterSt. Lawrence UniversitySt. Thomas Aquinas CollegeSyracuse UniversityTeachers College, ColumbiaUniversityTouro CollegeTrocaire CollegeUnion CollegeUnion Graduate CollegeUniversity of RochesterUtica CollegeVassar CollegeVaughn College of Aeronautics andTechnologyVilla Maria CollegeWagner CollegeWebb InstituteWells CollegeYeshiva University

Affording College

Affording College is published annually by the Commission on IndependentColleges and Universities (cIcu), a not-for-profit organization, 17 Elk Street,Albany, NY 12207. Vol. 18, October 2015.Design: Bangmark Marketing Group

Photo Credits: New York’s 100+ private colleges and universities. Page 4, Box 1, Page 6, and Page9, Box 1: T. Hansen. Page 8: Mark McCarty.

NOTE: While we make every effort to ensure accuracy, always verify informationwith the colleges directly.

©2015 by the Commission on Independent Colleges and Universities (cIcu). All rights reserved. No part of this publication may be copied (photocopied, reproduced, translated, or reduced to any electronic medium or machine-readable form) without prior written consent.

Financial Aid • Pages 2-10• Six Steps to Financial Aid• Applying for Financial Aid• Your Aid Packages• Financial Aid Programs: Sources of Aid

Internet Resources • Page 10The most important financial aid forms areavailable online. Learn where to go on the Webfor answers to your financial aid and collegesearch questions.

Calendar • Page 11Now is the time to make an organized plan foryour college search. Be sure you leave enoughtime to meet the deadlines for your admissionand financial aid applications.

Campus Locator • Pages12-15From phone numbers to Web addresses anddegrees offered, this campus locator map and directory puts New York’s 100+ private colleges at your fingertips.

Visit www.nycolleges.org, New York’s 100+ private collegesand universities’ admissions andfinancial aid website:

� Find a campus � Find out what academic

programs the colleges offer� Read campus profiles� Learn about financial aid� Request more information � Download admission and

financial aid publications

www.nycolleges.orgwww.cicu.org