Scholarships and Financial Aid 2011-12

Scholarships and Financial Aid

In this brochure we address

commonly asked questions

about financing your

education—everything

you need to know to make a

sound educational investment

in your future with the help of

Saint Anselm College.

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the best investment you may ever make

3

Graduates Recoup Cost of College in 10 Years In the article Does

College Still Pay?

published in The Economists’

Voice (March 16, 2006),

Lisa Barrow of the Federal

Reserve Bank of Chicago

and Cecilia Elena Rouse of

Princeton University report

that the average college

graduate will recoup the

costs of their education within

just 10 years of receiving

their degree. The percentage

of a college graduate’s

income that goes to paying

off student loans has

remained stable at about 7

percent since 1993.

2011-2012 Costs & FeesTuition $31,530

Room & Board $11,930

Freshman Fees $1,440

ToTal $44,900

In figuring the cost of attending Saint Anselm College, we encourage you to add factors such as books, supplies, transportation and miscellaneous expenses. We estimate these annual costs to be approximately $2,500; although, costs vary by student.

Financial Aid DeadlinesFreshman: March 15Transfer: June 1

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A solid investment partnership

We encourage you to

visit the campus to talk

with students firsthand

about the benefits

of a Saint Anselm

education, dividends

that can last a lifetime. W hether you want to be a doctor, teacher, nurse, or lawyer; to start your

own business or make films — or simply know you want to make a difference, and want to figure out the best way to do it — Saint Anselm will give you the options, experience, and mentors to connect, to solve, to serve, to lead, and even to do the right thing. We seek students who want to contribute to the life of this community and go on to make the world a better place. For that reason, we’re happy to share in the investment in your education here.

In 2010-2011, 89 percent of our students received some sort of gift/grant aid. You may discover that, with the help of financial aid (grants, scholarships, loans, and work study), the real cost of attending Saint Anselm is much less than you think. We’re committed to making the process of acquiring a Saint Anselm education as easy as possible for the families of all students. You do your part — we’ll do ours.

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Scholarships What do your scholarship and non-need-based aid programs entail?

Saint Anselm offers many scholarships and awards based on a student’s academic achievement, leadership skills, and other criteria. Students who apply for financial aid, and those who do not, may receive these awards. Merit-based awards (often called scholarships) and non-need-based awards are described below.

Does Saint Anselm offer scholarships?

Yes! We offer a number of programs to freshmen and transfer students that are based on merit.

How do I apply for one of these scholarships?

You don’t need to take any special steps. We automatically consider all qualified applicants for our scholarship programs. We base our selections on the rigor of the high school curriculum, secondary school grade point average, rank in class, standardized test scores (if submitted), and extracurricular involvement. With the exception of the New Hampshire Scholars program, you may receive these scholarships without applying for financial aid.

How does the Honors Program differ from the regular Saint Anselm academic program?

The Honors Program features a blend of enhanced core courses, Honors seminars, independent research projects, thesis development, and enriched interaction with faculty and fellow Honors Program participants. Students who complete the program receive an Honors Bachelor of Arts (H.B.A.) or Honors Bachelor of Science (H.B.S) degree.

& non-need-based aid

Merit–Based Scholarships for Freshmen scholarship program amount

Presidential up to $16,000

Presidential scholarships are awarded by the Office of Admission and all scholars are invited to join the Honors Program. Each Presidential Scholar is notified of the award in their offer of admission (letter).

New Hampshire Scholars & Corporate Partners Scholars $5,000

These scholarships are awarded by the Office of Financial Aid and are given to academically strong students who demonstrate financial need (Presidential Scholars or upper-class students earning placement on the Dean’s List) and meet the criteria of the donor.

abbot bertrand dolan, o.s.b. $10,000*

Father dominic scherer, o.s.b. $8,000*

Father stephen parent, o.s.b. $6,000*

Father daniel dempski, o.s.b. $4,000*

These merit-based scholarships are awarded by the Office of Admission and all recipients are notified of these awards in their offer of admission (letter). Questions should be directed to the Dean of Admission.

*Merit-based scholarships are reviewed in November and the amounts printed in this publication could increase.

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Scholarships

How do I join the Honors Program?

Students become part of the Honors Program by invitation (all Presidential, New Hampshire Scholars, and Corporate Partners Scholars are invited) or by application.

Are these scholarships renewable?

Yes, we renew these awards annually for students who maintain a specified cumulative grade point average (CGPA) at Saint Anselm (Presidential and New Hampshire Scholarships – 2.5 CGPA; Dolan, Scherer, Parent and Dempski Scholarships – 2.0 CGPA). Awards are offered for a maximum of four years.

NoN-Need-Based awards

Do you offer other non-need-based awards?

Yes, we offer many special scholarships ranging from $2,000 to full tuition. Three programs available to freshmen and transfers that bear mention include:Athletic Scholarships – The College provides a limited number of athletic scholarships. Recipients are identified by the athletic department and selected by the athletic scholarship awards committee. A student eligible for these funds must abide by College and NCAA policies and will preferably complete the financial aid process.

Talent Achievement Awards – The College sets aside a limited amount of merit-based funds

for students who demonstrate strong academic ability, leadership skills, outstanding community service, a special talent, or other personal strengths and accomplishments. These merit awards are granted for achievement, not financial need. Recipients are selected by the admission committee in concert with other college community members.

The Family Grant – A family with two (or more) children concurrently enrolled as matriculated full-time Saint Anselm students will receive a Family Grant. A $6,000 grant is provided for each sibling beyond the first (i.e. $6,000 for two siblings, $12,000 for three siblings, etc.). The grant is divided equally between siblings. If the demonstrated need of one student is fully met by scholarship/grant aid, the Family Grant is awarded to the other sibling(s). This grant is not awarded when one of the two siblings is a basketball scholarship athlete.

How do I apply for one of these non-need-based awards?

You don’t need to take any special steps because we automatically post these awards to qualified students’ Business Office accounts. If you believe you need additional financial assistance beyond the scholarship awarded, you are strongly encouraged to apply for need-based financial aid.

Can I get more than one scholarship or non-need-based award?

With the exception of the student athlete receiving a partial athletic scholarship, students can receive only one grant or scholarship that is not based on need. If the student qualifies for more than one grant or scholarship, we provide the student with the larger of the two awards. However, there are circumstances when a student can be offered two such funds. This may occur when a student is eligible for need-based financial aid greater than the amount of the non-need-based award. This traditional aid may come in the form of assistance that is need-based or non-need-based.

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What is “need-based financial aid”?

Your need is determined by comparing the total anticipated cost of a Saint Anselm education in a given year with the financial contribution that Saint Anselm expects from you and your family. Need-based aid (scholarships, grants, loans, and Work Study) is offered to help bridge that gap.

Who can or should apply for need-based financial aid?

Any student, regardless of financial circumstances, can apply for need-based financial aid. Families who feel they need assistance are encouraged to apply.

Can middle-income families and families with relatively high incomes qualify for financial aid?

Yes. Families with two or more children in college at the same time, for example, often demonstrate financial need, even though they might be considered in the upper-middle income category. In fact, in 2010-2011, the median family income of Saint Anselm freshmen receiving need-based financial aid was $93,620. Students who believe they need financial assistance to meet the cost of attending Saint Anselm College should apply for financial aid.

Need-based financial aidWhen should I apply for need-based financial aid?

The deadline for freshmen is March 15; the deadline for transfers is June 1. Freshmen admitted after March 1 and transfers admitted after May 15 must apply for aid within 30 days of their acceptance date. Students missing that deadline will lose a percentage of their need-based Saint Anselm College grant and scholarship aid for the following academic year. Reductions are 5% for every 30 calendar days late.

How do I apply for financial aid?

You must file both the Free Application for Federal Student Aid (FAFSA) and the College Scholarship Services (CSS) PROFILE form online. (Refer to the Resources section on page 20 or the links on the financial aid page of the Saint Anselm College website.) Once you complete each process, make a copy of both forms for your records. Saint Anselm will receive both forms electronically. Saint Anselm must also receive signed copies of 2011 federal tax returns including all pages, schedules, and W-2s for both parent(s) and student. Saint Anselm utilizes a state-of-the-art scanning service (IDOC) available from the College Board. After filing your PROFILE application, you will receive correspondence from the College Board indicating that they will collect your 2011 federal tax information and some supplemental documents. Our partnership with the College Board significantly expedites the financial aid process, allowing us to get a financial aid award into your hands as soon as possible. Your privacy is completely protected with this program.

Saint Anselm College code numbers: • for the FAFSA, 002587 • for the PROFILE, 3748

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What is the difference between the PROFILE and the FAFSA? Why do I need both?

The FAFSA is required of every student who wishes to be considered for federal student aid and for most state funds. It collects information to establish your eligibility for federal and state student aid. The PROFILE is a supplemental form required by Saint Anselm College and many other private colleges and universities. It collects additional information, which helps determine your eligibility for Saint Anselm College funds. Unless the fee is waived based on low income standards, there is a fee that the students incurs to file a PROFILE.

I consider myself “independent.” Can I file as an independent student?

At Saint Anselm, as at many other institutions, we believe financing your education is a family responsibility, to the extent that your family is able to help. Undergraduates under the age of 24 who have living parents generally are required to file as dependent students. You may not file as an independent student unless you have highly unusual circumstances. Talk to a member of our financial aid staff if you think your circumstances

warrant your filing as an independent student.

What should I do if I have special circumstances not indicated in the FAFSA?

You may send a letter detailing those circumstances, along with appropriate documents, to the Saint Anselm College Office of Financial Aid. Examples of a special circumstance could be loss of employment, unusually high medical expenses, or reduction of income. Upon receipt of the letter and documentation, we will reevaluate your financial aid.

What happens after I file the FAFSA?

When you file online, you may review your information as soon as the central processor receives your signature page. You will be able to review a copy of your Student Aid Report (SAR)

$150,000 and up

$125,000 – $149,000

$100,000 – $124,000

$75,000 – $99,000

$50,000 – $74,000

$1 – $49,000

need-based grant and scholarship recipients

ad

just

ed g

ro

ss in

co

me

percentage of the class

Saint Anselm College class of 2014

5 10 15 20 25 30 35

continued on p. 10

15%

13%

17%

19%

18%

19%

Need-Based Financial A

id

9

continued from p. 9

online. Review the SAR and, if corrections are needed, correct it online at www.fafsa.ed.gov. The Office of Financial Aid will receive a copy of your SAR electronically starting in early February.

How is my financial need decided?

To determine your financial need the financial aid office analyzes the FAFSA, PROFILE*, and the federal income tax returns to arrive at a “Family Contribution” – the figure that your family can be expected to contribute (either through current income and assets or financed with future earnings) in the upcoming year toward your education. Financial need, then, is the difference between the total cost of attending Saint Anselm and the Family Contribution.*Non-custodial Parent Form for divorced or separated parents.

What are the most important factors in determining “Family Contribution?”

A number of factors are considered, such as student and parent annual income, number of children, number of children in college, unusual expenses (such as out-of-pocket medical costs), savings, and other assets.

How does Saint Anselm help meet that need?

We prepare a financial aid package consisting, in most cases, of grant and/or scholarship, loan, and Work Study. The package is designed to help cover the difference between the total cost of a Saint Anselm education and the Family Contribution.

When will I be notified about my financial aid award?

After you have been offered admission to the College, and shortly after all financial aid forms have been received and analyzed, the Office of

Financial Aid will send you notification of your award status. We begin to send awards in early March. (NOTE: Students are notified of merit awards at the time they are offered admission to Saint Anselm College.)

How do I accept my award?

After you have received your financial aid award letter, you have until May 1 to confirm your acceptance of the award package. We will assume that you wish to keep all resources awarded to you. If you wish to decline a portion of your award package, simply write “decline” next to the award you do not wish to accept and sign the award and return it to us. In addition, you must return your signed enrollment card and deposit check to the Office of Admission by the stated deadline.

Will I receive the same financial aid “package” each year?

Not necessarily. Because family circumstances change, you must complete the Renewal FAFSA and submit a current year PROFILE and taxes through IDOC to the Office of Financial Aid every year to determine your Family Contribution, and thus your financial need. In addition, students are eligible for reconsideration only as long as they maintain Satisfactory

Need-based financial aid

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Academic Progress, personal conduct is acceptable, and demonstrated financial need continues. Most financial aid awards remain constant year to year, although the names of some grant resources may change.

GRANTS, SCHOLARSHIPS, LOANS, AND WORK STUDY

What are grants, scholarships, loans and work study?

Grants/Scholarships: Grants and scholarships are gift awards funded by Saint Anselm College, the federal government, or individual state governments. You do not need to repay a grant or scholarship.

Loan: You need to repay a loan with the terms varying according to the type of loan you receive.Work Study: Students offered a Federal Work Study award are authorized to obtain a job on campus, which entails working about five or six hours per week in an office or facility at Saint Anselm or off campus at placements available through the Meelia Center for Community Service. Work Study positions currently pay $7.25-$9.50 per hour.

What kinds of grants are available?

Saint Anselm College GrantsThis is gift aid from the College that does not need to be repaid.

Federal GrantsThis is gift aid from the federal government. Funding is subject to congressional approval.

Pell Grants

The Federal Pell Grant Program provides grants directly from the federal government in amounts ranging from $555 to $5,550 for the allotted year, depending upon financial circumstances of each family. The Pell Grant may be used for summer at up to 100 percent of the academic year award. The Pell Grant does not have to be repaid. This is gift assistance for students with Family Contributions of $5,273 or less.

Supplemental Educational Opportunity Grant (SEOG) **

SEOG is a limited program for students with exceptional financial need. Priority is given to Pell Grant recipients. Award amounts vary from year to year based on federal funding and the number of eligible applicants. At Saint Anselm, awards range between $500 and $1,500.

State Scholarships and Grants: Grants are available to students with need. Students must apply by the required state deadlines. We require students to apply for state funds, when available.

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Colleges view loans

as one part of an

investment in a

student’s future.

Therefore, you, rather

than your family, are

expected to repay your

student loans. Your

parents may also want

to consider taking out

parent loans to help

with the investment in

your education.

Loansand the payment process

Can we get a loan as part of or in addition to the financial aid package we might receive from Saint Anselm College?

Yes. Loans are available to meet financial need not covered by grant/scholarship aid and Federal Work Study.Listed on these two pages are some of the more popular loans available to Saint Anselm students.

FEDERAL DIRECT STAFFORD STUDENT LOAN PROGRAM

Direct Subsidized Stafford Loans

This is a long-term, low-interest educational loan available from the Department of Education. The College determines eligibility based on demonstrated financial need. The maximum loan amounts available under the program are $3,500 for the first year, $4,500 for the second, $5,500 for junior and senior years, for an undergraduate total of $24,000. The interest rate is fixed and capped at 8.25%. The federal government pays the interest on the borrower’s behalf (provided the borrower is enrolled in school on at least a half-time basis) until repayment begins six months after the student leaves or graduates.

Direct Unsubsidized Stafford Loans

This loan is made by the Department of Education to students who did not qualify or only partly qualified for the Federal Direct Subsidized Federal Loan Program.* The interest rate is fixed and capped at 8.25%. The student is responsible for the interest that accrues while in school and may opt to make interest payments while in school, or defer all payment until six months after graduation or leaving school. The maximum loan amount less any Direct Subsidized Stafford Loan equals

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the Direct Unsubsidized Stafford Loan amount at the grade level mentioned before.*All students are eligible for $2,000 of this resource.

FEDERAL PERKINS LOAN PROGRAM

Saint Anselm administers a limited number of loans to students with exceptional financial need under the authority of this federal program in order to supplement a student’s Stafford Loan eligibility. A student may borrow up to $27,500 over five years in this program. Repayment of the loan begins nine months after the student leaves college or graduates, and no interest accrues until that time. The interest rate is fixed at 5%. Saint Anselm awards students the loan. The amount a student can borrow varies, depending on the amount of funding the college has available. If available, we tend to award $1,000 to $1,500 per year to qualifying students.

DIRECT PARENT LOANS FOR UNDERGRADUATE STUDENTS (PLUS)

This federal loan, available through the Department of Education, offers parents long-term educational loans. Parents who do not have an “adverse credit history” are eligible to borrow up to the full cost of the student’s education minus financial aid received. Repayment of the PLUS may extend over a 10-year period and must begin a month after the loan is fully disbursed. Parents can expect to pay about $12 per month for every $1,000 borrowed through the PLUS program. Parents may make interest-only payments while their student is in school. PLUS interest is fixed and capped at 9%.

ALTERNATIVE LOANS

There are many alternative loan options available to students to assist in financing their education. Typically, alternative loans are subject to credit approval and debt-to-income ratio analysis. Some of these loans offer the option of deferring payment while the student is enrolled in school. Families are encouraged to review all options carefully before considering such loans, as the interest rate is often higher than that of federal student and parent loans.

Loans/Payment Process

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Facilitating the payment processDoes Saint Anselm have a monthly

payment plan?

Yes. Many families prefer the convenience of spreading out their college payments over 8 months in equal monthly installments. The Monthly Payment Plan (MPP) is an alternative to standard payment arrangements. A MPP worksheet is provided to assist in estimating the annual cost for the family, factoring in expenses less any scholarships, grants, loans, or other aid. The service cost of joining the payment plan is only $70 per year. There is no finance charge. Additional information is available from the Saint Anselm College Business Office.

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EXAMPLE ONE

Total freshman annual expenses $44,900(tuition, room & board, expenses)

Less: Presidential Scholarship $12,000 State and Federal Grants $ 5,600 Saint Anselm College Scholarship $12,700 Federal Loans $ 7,000

Total $37,300

Amount to budget $ 7,600

Monthly Payment Plan amount $ 950/month(8-month plan)

EXAMPLE TWO

Total freshman annual expenses $44,900(tuition, room & board, expenses)

Less: Fr. Dominic Sherer, O.S.B. Scholarship $ 8,000 Saint Anselm College Grant $14,000 Federal Loans $ 5,500 PLUS Loan $ 8,000

Total $35,500

Amount to budget $ 9,400

Monthly Payment Plan amount $1,175/month(8-month plan)

The process of actually

paying college bills can

be daunting, even for

those families who have

received a significant

financial aid package.

Saint Anselm College

understands. Our

goal, as always, is to

ease the process.

We’re partners in your

investment, and we try to

treat our partners well.

sample payment schedules

DETERMINE YOUR MONTHLY PAYMENT PLAN

Full-year direct education expenses $44,900(tuition, room & board, fees)

Full-year deductions:

Scholarships $___________________

Grants $___________________

Loans $___________________

Total award $___________________

Amount to budget $___________________

Monthly Payment Plan amount $___________________(monthly payment)

Determine yourmonthly payment plan

Families use a combination of current income, savings, payment plans, and loans to manage educational costs. Families often take advantage of the Monthly Payment Plan to spread the two lump-sum payments into eight more manageable monthly payments.

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Frequently asked questions

We can’t cover

everything here, given

the complex nature

of the financial aid

process. But here are the

answers to some of the

most frequently asked

questions not covered

elsewhere.

If I am applying as an Early Action Candidate, what do I need to do?

Students who apply for admission under the Early Action program follow the same financial aid application process as those who are applying for Regular Decision. However, students wishing to receive an Early Estimated Financial Aid Award must complete the CSS PROFILE (including the Non-Custodial Parent Profile for divorced/separated parents) by January 15, 2012. Those completing the process will receive an estimated award letter by February 15.

I plan to enroll in January 2012. How is the process different?

A student who applies as a freshman for January entrance and is interested in applying for need-based financial aid must (1) complete a PROFILE by December 1; (2) send completed and signed 2010 tax returns and W-2s to our Office of Financial Aid; and (3) submit the FAFSA to the central processor. The deadline is November 15. Please note that should you enroll at Saint Anselm College for the January 2012 semester you will need to complete the financial aid process again for the Fall 2012 semester. Transfer applicants need to submit completed and signed tax returns and W-2s to our Office of Financial Aid. They must also add Saint Anselm College to the FAFSA and PROFILE and have both forms regenerated. If the applicant did not file at his/her prior institution, the applicant must submit the FAFSA to the central processor and complete the PROFILE by November 15.

Can transfer students receive financial aid?

Yes, transfer students follow the same process, in the same time frame, and are treated the same as freshman applicants. Transfers must submit a completed financial aid application by June 1, or if applying after June 1, within 30 days of submitting an application for admission.

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Frequently asked questions Do you have financial aid for international citizens?

Because we value the diversity that international citizens bring to the Saint Anselm College campus, we offer merit aid to outstanding international citizens. However, a limited amount of need-based aid is available. Therefore, international citizens are encouraged to apply for admission and financial aid as soon as possible. They must submit the International Student Aid Application, which is available through Saint Anselm College, no later than February 15. International citizens who need financial aid are precluded from applying Early Action and for January entrance. Financial aid is not portable for off-campus programs (study abroad and/or internship programs).

May I use financial aid to spend a semester or year abroad?

Federal and state financial aid or outside scholarships can be applied to study abroad programs, but Saint Anselm institutional aid (merit, non-need-based, or need-based) cannot be applied to study abroad.

If I get a local scholarship, how will it affect my financial award at Saint Anselm?

We applaud students’ efforts to obtain private scholarships. Therefore, local scholarships or other forms of outside aid are applied first to unmet need, then self help (loans and Work Study), and finally gift aid. We will match up to $1,000 of Dollars for Scholars Scholarships with Saint Anselm funds when the recipient files appropriate paperwork.

How many students receive non-need-based aid?

A sizeable percentage of Saint Anselm students receive scholarships and other non-need-based aid. Approximately 75 percent of freshmen have received non-need-based aid in the past two years (80 percent in 2010-2011).

When will I be billed?

College bills are issued twice a year, with one half the yearly bill due in August and one half in January. With the exception of Federal Work Study, your bill will reflect any financial aid we have awarded you through the college.

If I leave the college for any reason, am I able to get a refund?

Each year some students leave Saint Anselm during a semester for personal reasons. Families may purchase insurance through the Dewar Insurance Program, enabling them to receive a partial refund in such a situation. Financial aid recipients receive refunds based on federal regulations; refer to the 2011-2012 Saint Anselm College catalogue.

more scholarship opportunitiesGood sources for outside scholarship information include:Your guidance counselorThe New Hampshire Higher

Education Assistance Foundation Network www.nhheaf.org

The FastWEB Scholarship database www.fastweb.com

SuperCollege Student Scholarship and the SuperCollege Parent Scholarship www.SuperCollege.com

FAQ

s/Glossary/Resources17

Alternative Loans

Loans available to families whose need cannot be met by traditional federal loans.

Award Letter

An official document issued by a financial aid office listing all financial aid (scholarships, grants, loans, and/or Work Study) awarded to the student.

Budget (Cost of Education)

The total cost of attending college for one academic year, which usually includes tuition, mandatory fees, room, board, books, supplies, travel, and personal expenses.

FAFSA (Free Application for Federal Student Aid)

The form that must be completed by students and parents applying for federal student aid. The form is generally available after January 1. Students can complete the form online at www.fafsa.ed.gov.

Family Contribution (FC)

Amount a family is expected to contribute to a student’s education, as determined by the federal government and the College, based on family earnings, net assets, savings, size of family, and number of children in college.

Federal Work Study (FWC)

This federal program offers students the opportunity to meet some of their indirect costs by working part-time on campus or off campus at an approved non-profit agency. As with any employment, neither a job nor a specific number of hours is guaranteed. A student must earn Work Study funds and is paid in the form of a paycheck, according to the number of hours worked.

Financial Aid

Financial assistance for education in the form of scholarships, grants, loans, and/or Work Study.

Financial Aid Package

The total amount of financial aid (federal and non-federal), such as scholarships, grants, loans, and/or Work Study, for which a student is eligible. The package is disclosed in the award letter sent to students from the schools to which they are admitted.

Financial Need

The difference between the cost of attendance at a college and the Family Contribution (FC).

Gift Aid

Financial aid, such as grants and scholarships, which does not need to be repaid.

Grants

Gift awards, which do not have to be repaid. Grants are available through the federal government, state agencies, and colleges.

Lender

A bank, credit union, or other financial institution that provides funds to students or parents for an education loan.

Loan

A type of financial aid that must be repaid. Student loan programs have varying interest rates and repayment options.

Merit Scholarships

Merit scholarships are based on academic achievement, rather than on financial need.

Glossaryof fiNaNcial aid Terms

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Need-Blind Admission

Need-blind admission means that your ability to pay does not influence an admission decision. Saint Anselm College operates under a Need-Blind Admission Policy for U.S. citizens.

Outside Scholarships

Scholarships available through sources such as religious and civic organizations, your parent’s employer, and local businesses.

Pell Grant Program

The largest federal grant program. Students who meet federal criteria for financial need automatically receive this grant, which does not require repayment. Awards for 2010–2011 range from $555 to $5,550.

Perkins Loan Program

Federally insured loans funded by the federal government that are awarded to students by the school based on financial need and availability of funds. The loans feature low interest rates and are repayable over an extended period.

Direct PLUS (Parent Loans for Undergraduate Students)

Federally insured loans that allow parents of dependent students to borrow up to the full cost of the student’s education minus financial aid received. Credit-worthy parents are eligible to borrow a PLUS Loan regardless of family income.

Prepaid Tuition Plan

A college savings plan that is guaranteed to rise in value at the same rate as college tuition.

Private Loans

Private loans provide supplemental funding when other financial aid does not cover costs. These loans are not federally insured, and are offered to students and parents by banks and other financial institutions.

PROFILE The CSS PROFILE is a form many colleges require students to complete if they wish to be considered for institutional aid.

SAR (Student Aid Report)

A report sent to a student by the federal government summarizing information reported on the FAFSA. The student’s eligibility for financial aid is determined in part by the Expected Family Contribution.

Stafford Loans

Federally insured, low-interest student loans, for which borrowing limits vary depending on a student’s year in college.

Direct Subsidized Stafford Loans

Loans awarded to students who demonstrate financial need. The federal government pays the interest on these loans while the students are in school and during grace and deferment periods.

Supplemental Educational Opportunity Grant (SEOG)

This federal grant is awarded to low-income students receiving Pell Grants based on availability of funds at the College, and does not require repayment.

Tuition

The funds needed to cover all educational expenses (e.g., classroom instruction, use of facilities, and support services), but not including charges for room and/or board.

Direct Unsubsidized Stafford Loans

Loans available to students regardless of financial need. Borrowers pay interest on these while in school, or they may defer payment and allow interest to accrue.

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College Boardwww.collegeboard.comTo get a free estimate of your Expected Family Contribution and to complete the CSS PROFILE online—Saint Anselm College code: 3748

FAFSA (Online)www.FAFSA.ed.govTo complete the Free Application for Federal Student Aid online—Saint Anselm College code: 002587

FASTWeb(Financial Aid Search Through the Web)www.fastweb.com Provides free scholarship search on the Internet by accessing a searchable database of more than 400,000 private sector scholarships, grants, and student loans available to students.

Federal Student Financial Assistance Programs(800) 433-3243www.studentaid.ed.govFor information on federal student financial aid programs or help with the application process.

ResourcesSaint Anselm College Office of Admission(603) 641-7500 • 1-888-426-7356 FAX: (603) 641-7550 [email protected] www.anselm.edu/admission

Office of Financial Aid(603) 641-7110 FAX: (603) 656-6015 [email protected] www.anselm.edu/admission/financial+aid

Business Officefor questions or concerns about paying Saint Anselm bills, setting up a Monthly Payment Plan, securing tuition insurance, etc.(603) 641-7115 • (603) 656-6293 FAX: (603) 641-7340 [email protected] www.anselm.edu/administration/business-office

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File the CSS PROFILE online with Saint Anselm code (3748)Complete the FAFSA with Saint Anselm Code (002587)Review the Student Aid Report (SAR) for correctionsSubmit 2011 (2010 for January applicants) federal tax returns, including all schedules, forms, and W-2s for both you and your parent(s).

Keep copies of all forms you submit.

Financial Aid Checklist

November–DecemberGet the FAFSA from your high school guidance counselor or the Office of Financial Aid at Saint Anselm College.

November 15Admission deadline for Early Action and Nursing applicants. Financial aid deadline for spring semester applicants.

December 1Admission application priority deadline for spring semester applicants.

JanuarySubmit fully completed FAFSA to federal processor after January 1. Upon receipt, the processor will send a Student Aid Report (SAR) to you.

January 1–March 15Submit a completed CSS PROFILE online. Copy of parents’ and student’s 2009 federal income tax return (including all schedules and forms) and W-2s due. Please note that tax information should be mailed to the College Board for their scanning service (please see page 8).

February 15Admission and financial aid deadline for international citizens for fall semester.

February 15Admission application priority deadline for freshmen for fall semester.

March 15Financial aid deadline for freshmen for fall semester.

March–AprilAdmitted students receive financial award letters.

May 1 Enrollment deposits are due to the Office of Admission. Signed financial aid awards are due to the Office of Financial Aid.

June 1Financial aid deadline for transfers for fall semester.

JulyStudents receive bills due in August for first semester tuition, fees, and room and board.

Important Dates

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Academic programs Degrees: Bachelor of Arts and Bachelor of Science in Nursing More than 80 different academic offeringsStudy-abroad opportunitiesInternships Research opportunities

Honors Each year we invite a select group of admitted students to join Saint Anselm’s Honors Program, to follow an intensified curriculum: a challenging and exciting blend of enhanced core courses, honors electives, independent research projects, thesis development, and enriched interaction with faculty and fellow honor students.

Enrollment Nearly 2,000 full-time undergraduates from 31 states and 8 countries attend Saint Anselm. They have taken honors and Advanced Placement classes and assumed leadership roles during high school.

Saint Anselm CollegeFacultyOne hundred and thirty-seven full-time professors with a primary commitment to teaching undergraduates through course work and collaborative research comprise the Saint Anselm faculty. Ninety-five percent have terminal degrees.

Student/faculty ratio 12:1

Campus The 400-acre hilltop campus is a mix of expansive lawns, historic architecture, and sleek newer facilities like the New Hampshire Institute of Politics. Campus facilities and resources include Geisel Library, the Academic Resource Center, Chapel Art Center, the Dana Humanities Center, Goulet Science Center, Meelia Center for Community Service, Abbey College Church, Cushing Student Center, and vast athletic fields and facilities, including a multimillion-dollar ice arena.

Location Saint Anselm sits on a hill overlooking the city of Manchester, New Hampshire. The campus is a 10-minute drive from a newly revitalized downtown with great restaurants, shops, the 10,000-seat Verizon Wireless Arena (pre-season Boston Bruins and Celtics games, American League Hockey, headline bands), museums, clubs, and a minor-league baseball stadium. Hiking, kayaking, mountain biking, skiing, snowboarding, and swimming are minutes from campus. Boston and Cambridge, MA, the Maine seacoast, and the White Mountains are all just an hour away.

Living Eighty-seven percent of students live in campus housing, which ranges from traditional residence halls to suites and apartments. Housing is guaranteed for four years to students who enter as residential freshmen. Students eat in Davison Hall as well as the Coffee Shop and Pub and the Common Ground Café at the New Hampshire Institute of Politics.

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Athletics Over 80 percent of students are involved in clubs and intramural sports or play for one of 20 varsity athletic teams. Saint Anselm competes in NCAA Division II and the Northeast-10 and ECAC conferences.

Clubs and organizations More than 80 arts, athletic, cultural, outdoor, social, religious, and service clubs are available to students.

Service-learning Service-learning experiences, while not required, are available to all students. Applying classroom concepts in challenging community service contexts gives students insight into the complexities of service work. Thirteen academic departments and more than 30 courses involve service learning. In addition, the college’s Meelia Center for Community Service mobilizes students to assist 12 community partnerships and more than 30 other Manchester-area community service agencies. Each year some 850 students, faculty, and staff volunteer more than 21,000 community service hours.

Research opportunities Courses, independent study, service learning, and Work Study provide students a wide range of research opportunities. Through faculty colla-borations with the University of New Hampshire and ties with Harvard and Cornell, science students work on breast cancer research, species evolution, and marine life study. A model program also gives students research experience for professional and graduate school. Many Undergraduate Research Scholars have done graduate-level research in fields such as biology, computer science, history, politics, psychology, and sociology with faculty mentors at both Saint Anselm and host institutions including Harvard, Yale, Boston University and the University of New Hampshire.

Internships Through Saint Anselm’s internship program students experience a practical work environment related to their academic and career interests while developing marketable skills. Internships include large firms, small companies, city and state governments, and non-profits.

Job placement and graduate school Within the first few months after graduation, most Saint Anselm graduates find jobs within their chosen fields or pursue graduate studies. In recent years, Saint Anselm graduates have attended medical, law, business, and doctoral programs at Boston College, Boston University, Brandeis, Brown, Cornell, Dartmouth, Duke, Georgetown, Harvard, University of Chicago, University of New Hampshire, University of Notre Dame, University of Pennsylvania, and Yale, among many others.

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Founded in 1889,

Saint Anselm College is

a Benedictine Catholic

liberal arts college.

Intellectual pursuit

has distinguished the

Benedictine Order

for more than 1,500

years. At Saint Anselm

this tradition translates

into over a century of

academic excellence.

2011–2012

100 Saint Anselm Drive

Manchester, New Hampshire

03102-1310

Office of Admission

(603) 641-7500 • 1-888-426-7356

FAX: (603) 641-7550

[email protected]

www.anselm.edu/admission

Produced by the Office of College Communications and Marketing

FSC here

Business Office for questions or concerns about paying

Saint Anselm bills, setting up a Monthly Payment Plan, securing tuition insurance, etc.

(603) 641-7115 • (603) 656-6293

FAX: (603) 641-7340

[email protected]

www.anselm.edu/administration/business-office

Office of Financial Aid

(603) 641-7110

FAX: (603) 656-6015

[email protected]

www.anselm.edu/admission/financial+aid

It is the policy of Saint Anselm College, while reserving its lawful

rights where appropriate to take actions designed to ensure

and promote the Benedictine, Catholic principles that sustain

its mission and heritage, to comply with all applicable laws

prohibiting discrimination on the basis of race, color, national

origin, religion, sex, disability, marital status, age, sexual orientation,

or veteran status in its employment, programs, or activities.

Questions or concerns about this notice or about specific issues

may be directed to the Dean of Students Office, (603) 641-7600,

or for concerns related to athletics, to the Associate Director

of Athletics/Title IX Compliance Officer, (603) 641-7800.

Saint Anselm College reserves the right to change or modify, without prior notice, the provisions, requirements and information in this and other publications.