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Q1: How is my eligibility for financial assistance determined?
A: When we receive your SAR, a Student Financial Services counselor will review your file to determine your eligibility for federal, state, and institutional assistance. To determine your financial eligibility, your total expected family contribution (as computed by the Department of Education) is deducted from your educational expense budget. The difference is your "calculated need" for financial assistance. A portion of "calculated need" is covered by financial assistance (grants, loans, etc.). The remainder is considered the "expected family contribution" (EFC), but may exceed the amount calculated by the Department of Education. This amount appears as the "Family Responsibility" on the award summary sent to you.
Q2: What is the family contribution?
A: The "expected family contribution" (or EFC) is the minimum amount that parents and students are expected to contribute toward the cost of education. It is based upon information you provided on the FAFSA and is determined in accordance with federal guidelines. Should you have any questions regarding this complex calculation, please contact a Student Financial Services counselor or use the online Expected Family Contribution (EFC) Calculator.
Q3: What is the income cutoff of financial aid eligibility?
A: There is no income cutoff for federal financial aid eligibility. In addition to taxable and untaxable income, factors such as family size, number in college, taxes paid, parents' age, and net value of assets are used to determine the amount families are expected to contribute to the student's coeducational costs. Adelphi's Office of Student Financial Services carefully reviews families' individual circumstances and we encourage all families to apply who feel that financial assistance in needed.
Q4: What financing options are available to my family to meet our family responsibility?
A: In addition to family savings that you have earmarked for this educational investment, students and parents may apply for various loans or financing options as outlined in the following pages. Home equity loans or lines of credit may also provide an advantageous source of funding. Parents need to consult with their employers, unions, fraternal lodges, and religious organizations to inquire if their sons or daughters are eligible for a private scholarship. Use our links to other useful sites for access to additional, reputable, free private scholarship search engines.
Q5: How am I notified of my eligibility for financial assistance?
A: Upon your acceptance to Adelphi and receipt of the processed FAFSA information, the University will determine your eligibility to participate in the various financial assistance programs. A financial assistance award summary will be mailed to you approximately 4-6 weeks after you receive your student aid report (SAR). Further instructions and requests for additional documentation (such as tax returns) will be included with the award summary or at subsequent dates. Your financial assistance summary is also available online. If you are an enrolled student, you can access the C.L.A.S.S. system for this information.
Q6: Do I have to apply for financial assistance every year?
A: Yes. You must reapply each year, even if you receive only University awards or scholarships.
Q7: Should I wait until our tax returns are completed before I fill out my FAFSA?
A: No. You can complete the FAFSA based on reasonable estimates of your family's income. You could use wage statements (W-2s), aggregate earning from last pay stub, 1099s, or the prior year's tax return if circumstances remain fairly constant. Once the current tax returns have been filed, you must update your FAFSA with the correct income information by going to www.fafsa.ed.gov and make the appropriate corrections.
Q8: What if my financial assistance package does not cover all of my need?
A: You and your parents may wish to consider the various loan and/or other financing options outlined in this section.
Q9: What do I do if my family financial circumstances change after I receive my financial aid award?
A: We understand the needs of families when a parent's employment status has changed or when a family may not be receiving the same benefits as they did in the prior year. You should contact our office to determine if you qualify for an adjustment to your original application for financial aid. This process requires families to submit in writing a specific explanation of their situation and provide documentation of the reduction to their income.
Q10: Will I get the same financial aid award in future years?
A: If your family circumstances remain relatively constant while at Adelphi, and as long as you file your FAFSA by our preferred filing deadline (February 15), you can expect that your financial aid should be approximately the same amount. However, your Stafford loan limits will change depending on your grade level and your dependency status.
Q11: What is the federal verification process?
A: The federal verification process is a system used by the federal government to support and document the information provided on the FAFSA. If you are selected for verification, you will be asked to submit a copy of your federal income tax return and your parents' federal income tax return. You may be requested to supply further information to substantiate your financial need. Your financial assistance plan may be subject to adjustment at the conclusion of the verification process.
Verification worksheets are available online on our Download Forms page.
Q12: Whose income do I use if my parents are divorced or separated?
A: You are required to report the income of the parent you lived with for the majority of the time over the last 12 months (custodial parent). Child support from the other parent, together with the income and assets of the parent with whom you live, will determine your financial need. If your custodial parent is remarried, your step-parents' income and assets must also be reported.
Q13: Do I have to work if I am awarded work-study as part of my financial aid package?
A: No. Federal Work Study (FWS) is an opportunity for you to earn money to pay for ongoing expenses throughout the year and also to gain work experience. You may choose not to accept the FWS offer, especially if you already have a part-time job.
Q14: What federal tax breaks may I be eligible for through the Balanced Budget Act of 1997 and the Taxpayers Relief Act of 1997?
A: Information on the 1997 Education Tax Cuts from the U.S. Department of Education can be found at www.ed.gov.
Q15: What is the educational expense budget?
A: Every year the University compiles an educational expense budget for each student based on the student's resident status. The following chart outlines the components of the various budgets for the 2009-2010 academic year. Different budgets exist based upon your enrollment status.
| 2009-2010 Estimated Undergraduate Student Budget |
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Direct Costs
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Resident
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Commuter
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Tuition and Fees
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$25,300
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$25,300
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Books and Supplies
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$1,000
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$1,000
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Room and Board
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$10,500
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—
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Sub Total Direct Costs
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$36,800
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$26,300
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Indirect Costs
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Room and Board
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—
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$1,500
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Transportation (Estimated)
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$1,100
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$3,000
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Personal (Estimated)
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$1,200
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$2,000
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Sub Total Indirect Costs
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$2,300
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$6,500
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Total Cost of Attendance*
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$39,100
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$32,800
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*Total includes direct educational costs and indirect costs based on full-time attendance. These costs are subject to change.
Q16: What may cause revisions to my aid offer?
A: Changes in the information you originally reported on your FAFSA could affect your awards. For example, if you indicated that you would be a full-time resident student and you enroll part-time or as a commuter student, your awards will be revised and you will be sent a new award summary. Similarly, if your original assistance package was sent to you and later you receive an outside scholarship, your awards may be revised.
Q17: What should I do if I expect to enroll for fewer credits than originally reported on my FAFSA?
A: You should contact the Office of Student Financial Services to be repackaged. Discrepancies in enrollment may delay loan proceeds from being applied to your account and, due to strict federal regulations, may necessitate the return of funds to the Lender.
Q18: Will I be sent a loan application if my Financial Plan Summary includes a Federal Parent (PLUS) Loan?
A: Although PLUS loans are included as part of your financial assistance package at Adelphi, the procedure differs by school. Loan applications are not sent to students or parents unless specifically requested. If you would like to know if your parents are eligible for a PLUS loan, many banks now offer conditional or pre-approval done through a fax request. You may pick up a PLUS loan application or the pre-approval form in the Office of Student Financial Services.
Q19: What should I do if my parent(s) apply and are denied the Federal Parent (PLUS) Loan?
A: A copy of the PLUS loan denial from the lender should be submitted to the Office of Student Financial Services for a recalculation of your aid package to include additional Unsubsidized Federal Stafford Loan funds.
Q20: What will happen to my awards if I am selected for the federal verification process?
A: Because aid resources are limited, Adelphi attempts to allocate those resources as equitably as possible. Accordingly, awards are verified for accuracy. If you are selected for verification, you will receive a letter detailing the documentation required to complete the process. Until verification is completed, awards for new Adelphi students will not be credited to the student's account. If you have made a reporting error in income and assets, your awards may either increase or decrease when verification is completed. Continuing Adelphi students will be sent requests for verification documents prior to the packaging process.
Q21: Is there a minimum grade point average I must maintain for my Adelphi University (AU) Grant, Athletic Grant, Recognition, Residential, Alumni, and certain endowed/restricted awards? What about my scholarships?
A: For renewal of these awards, you must maintain full-time status and a minimum cumulative grade point average of 2.0. Eligibility is reviewed at the end of each semester. The Office of University Admissions will send specific renewal criteria for your scholarship(s) to you with your original scholarship letter.
Q22: What should I do if I advance a class status in the spring semester?
A: Contact our office so we can begin the process of calculating your eligibility for additional loan monies. You must submit an additional loan funds request form for the additional loan amount of $875 if you are advancing from freshman (0 - 29 credits) to sophomore (30 - 59 credits) status or for $2,000 if you are advancing from sophomore to junior (60 or more credits) status.
| Important Phone Numbers |
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1.800.635.0120
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Academic Management Services
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1.800.433.3243
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Federal Student Aid Information Center (FSAIC)
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1.888.NYS.HESC
(1.888.697.4372)
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New York State Higher Education
Services Corporation (HESC)
(Stafford Loan Inquiry)
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1.800.4.FED.AID
(1.800.4.333.243)
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Pell/Duplicate SAR |
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1.888.NYS.HESC
(1.888.697.4372)
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TAP Inquiries |
| Important School Codes |
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002666
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Title IV (FAFSA Code) |
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0010
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NYS TAP Code (Undergraduate) |
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5000
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NYS TAP Code (Graduate) |
Q23: Are study-abroad distance learning programs eligible for financial aid?
A: No. Adelphi students who remain in the
U.S.
and take a portion of their program via online courses offered by a foreign institution would not be eligible for financial aid for those online courses.
Q24: Does the University have a Drug Violation Penalty Policy?
A: A federal or state drug conviction can disqualify a student for federal student aid funds. The student self-certifies in applying for aid that he is eligible; you’re not required to confirm this unless you have conflicting information.
Convictions only count if they were for an offense that occurred during a period of enrollment for which the student was receiving Title IV aid—they do not count if the offense was not during such a period. Also, a conviction that was reversed, set aside, or removed from the student’s record does not count, nor does one received when she was a juvenile, unless she was tried as an adult.
The chart below illustrates the period of ineligibility for FSA funds, depending on whether the conviction was for sale or possession and whether the student had previous offenses. (A conviction for sale of drugs includes convictions for conspiring to sell drugs.)
| Period of Ineligibility for FSA funds |
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Number of Offenses
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Possession of
Illegal Drugs
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Sale of Illegal Drugs
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1st offense
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1 year from date of conviction
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2 years from date of conviction
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2nd offense
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2 years from date of conviction
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Indefinite period
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3+ offenses
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Indefinite period
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Indefinite period
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If the student was convicted of both possessing and selling illegal drugs, and the periods of ineligibility are different, the student will be ineligible for the longer period.
Q25: How does a student regain eligibility for federal student aid funds following a drug violation?
A: A student regains eligibility the day after the period of ineligibility ends or when he successfully completes a qualified drug rehabilitation program. Further drug convictions will make him ineligible again.
Students denied eligibility for an indefinite period can regain it only after successfully completing a rehabilitation program as described below or if a conviction is reversed, set aside, or removed from the student’s record so that fewer than two convictions for sale or three convictions for possession remain on the record. In such cases, the nature and dates of the remaining convictions will determine when the student regains eligibility. It is the student’s responsibility to certify to you that she has successfully completed the rehabilitation program; as with the conviction question on the FAFSA, you are not required to confirm the reported information unless you have conflicting information.
When a student regains eligibility during the award year, schools may award Pell, ACG, National SMART, and Campus-based aid for the current payment period and Direct and FFEL loans for the period of enrollment.
Standards for a qualified drug rehabilitation program
A qualified drug rehabilitation program must include at least two unannounced drug tests and must satisfy at least one of the following requirements:
- Be qualified to receive funds directly or indirectly from a federal, state, or local government program.
- Be qualified to receive payment directly or indirectly from a federally or state-licensed insurance company.
- Be administered or recognized by a federal, state, or local government agency or court.
- Be administered or recognized by a federally or state-licensed hospital, health clinic, or medical doctor.
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Contact
Office of Student Financial Services
Adelphi University
Levermore Hall, Lower Level Room 1
1 South Avenue
P.O. Box 701
Garden City, NY 11530-0701
p - 516.877.3080
p - ext. 2240 (on campus only)
f - 516.877.3380
e - financialservices@adelphi.edu
Regular Hours:
Monday through Thursday: 8:30 a.m. - 6:00 p.m.
Friday: 9:00 a.m. - 4:30 p.m.
Summer Hours: (June 1 - August 15)
Monday through Tuesday: 8:30 a.m. - 4:30 p.m.
Wednesday: 8:30 a.m. - 7:00 p.m.
Thursday: 8:30 a.m. - 4:30 p.m.
Friday: 9:00 a.m. - 4:30 p.m.
This page last modified on September 17, 2009.
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