Types of Aid

New Students

  • If you are applying for full-time enrollment in a degree program for Fall, you will be considered for scholarship assistance.
  • If you are eligible for a tuition waiver through the tuition exchange program or as a dependent of an employee, you are not eligible for the academic/merit scholarship awarded by the Admission Committee.
  • Scholarships can be renewed for up to 4 years (8 semesters) of consecutive full-time study. Renewal for incoming transfer students will depend on the number of credits accepted in transfer.
  • Recipients must maintain satisfactory academic progress unless a higher standard is listed below.

Returning Students

  • Returning students will continue to be considered for the merit programs they currently receive. The annual amount of the scholarship does not change. One half the annual amount is available each semester that the student is enrolled full-time.
  • If you are eligible for a tuition waiver through the tuition exchange program or as a dependent of an employee, you are not eligible for the academic/merit scholarship awarded by the Admission Committee.
  • These scholarships can be renewed for up to 4 years of full-time study. Renewal for incoming transfer students will depend on the number of credits accepted in transfer.
  • Students who graduate early will forfeit a portion of the scholarship.
  • To renew the scholarship, you must maintain satisfactory academic progress.

Sisters of Mercy Scholarships

Eva Albee Kelley Scholarship

  • Women from Lincoln County, Maine with financial need
  • Generally ranges from $1,000 to $20,000
  • Up to four years of full-time study with similar financial need and satisfactory academic progress
  • Apply for aid by priority deadline.
  • This fund replaces any College grant and scholarship initially offered through the financial aid process. 

Sarah T. Burke Scholarship

  • Parishioners of St. Patrick's or its successor in Lewiston, Maine
  • Generally ranges from $500 to $3,000
  • Up to four years of full-time study with similar financial need and satisfactory academic progress
  • Apply for aid by priority deadline, provide letter to Office of Financial Aid from parish priest regarding current parish involvement. This letter must be received by March 1st.

Endowed and Restricted Scholarships

  • All current full-time, Sebago campus students who are eligible for financial aid and have earned at least a 3.0 CGPA at the College; specific scholarship criteria may be considered
  • Awards usually range from $200 to $3,000
  • Generally a one-time award; funds are used to offset current grant and/or scholarship eligibility
  • Automatic consideration; recipients must complete a brief biographical form and provide a letter of appreciation to the donor to receive the funds

Outside Scholarships

  • Non-renewable outside scholarships may be used to fill any unmet institutional need first.
  • If a change is required because no remaining need exists and you have received a Perkins or Nursing Loan this will be reduced first.
  • After those resources are exhausted a change to grant funds will be made. Note: Our scholarship funds are not reduced unless the total of your funds exceeds our total cost. 
  • The College reserves the right to use renewable outside resources to offset its own grant funds regardless of unmet financial need. 
  • Dollars for Scholars® scholarship funds are matched up to $500 for students who have unmet institutional need. It is recommended that the student submit documentation by August 1 as funds are available on a first come, first served basis. 
  • All outside scholarships must be reported to the Office of Financial Aid within 30 days of student notification. Financial aid candidates will receive a scholarship reporting form that must be returned to us by our annually announced June due date before any aid will be paid to the account.

Dollars for Scholars®

Saint Joseph's College is a Collegiate Partner of Scholarship America® and the Dollars for Scholars® family of community scholarship foundations. 

Searching for Scholarships

Visit the sites below for free scholarships searches:

Federal and Other Sources of Information

Need-Based and Other Grants

From the College:

Saint Joseph's Grant

  • Full-time students with need
  • Generally ranges from $1,000 to $12,000 and is based on level of financial need and available funding
  • Requires satisfactory academic progress
  • Apply for financial aid by priority deadline

Family Grant (does not require financial need)

  • Full-time student with immediate family member(s) also enrolled full-time in the on campus program
  • 10% tuition discount for most recently enrolled student
  • Up to four years of full-time study and satisfactory academic progress
  • Contact Office of Financial Aid with names of students.

Dollars for Scholars Matching Grant

  • Full-time students with need who bring Dollars for Scholars® funds to the College. Student must have remaining institutional need to qualify for matching program.
  • College matches up to $500. Documentation of Dollars for Scholars® funding is required. Submit matching form prior to the first day of the fall semester.


From Federal Sources:

Federal Pell Grant
  • Full or part-time matriculated undergraduate students who meet the federal EFC (family contribution) restrictions
  • $400 to $5,550 per year
  • For length of program; requires satisfactory academic progress
  • FAFSA required
Federal Supplemental Educational Opportunity Grant
  • Generally restricted to Pell Grant recipients matriculated in traditional programs
  • $100 to $4000 by federal definition; budget generally allows for awards that range from $100 to $500
  • Up to four years of full-time study and satisfactory academic progress
  • FAFSA required by priority deadline for full consideration p>Veterans Administration Benefits
  • Saint Joseph's College's programs are approved by the Maine State Approving Agency for Veterans Education Programs for benefits (GI Bill®) from the U.S. Department of Veterans Affairs. Students who request veterans educational assistance are required to have all previous post-secondary experience evaluated for possible transfer credit. For more information, please contact the Office of the Registrar.

From State Sources:

Maine State Grant

  • Full- and part-time matriculated undergraduate students who meet the state EFC (family contribution) restrictions
  • $1,250 per year for full-time study. $625 for part-time study
  • For length of program; requires satisfactory academic progress
  • FAFSA required by May 1

New Hampshire Grant

  • Full-time matriculated undergraduate students who meet the state EFC (family contribution) restrictions
  • $500 per year
  • Up to four years of full-time study and satisfactory academic progress
  • FAFSA required by March 1

Vermont State Grant

  • Full- or part-time matriculated undergraduate students who meet VSAC annual criteria
  • Generally ranges from about $500 to $2,500
  • Up to four years of full-time study with financial need and satisfactory academic progress
  • FAFSA required and VSAC application required by March 1

MassGrant

  • Full-time matriculated undergraduate students who demonstrate need and meet state EFC restrictions
  • Generally ranges from $200 to $500 per year
  • Up to four years of full-time study with financial need and satisfactory academic progress
  • FAFSA required by May 1

Rhode Island State Grant

  • Full-time matriculated undergraduate students who demonstrate need and meet state EFC restrictions
  • Generally ranges from $400 to $900 per year
  • Up to four years of full-time study with financial need and satisfactory academic progress
  • FAFSA required by March 1

Pennsylvania State Grant

  • Matriculated undergraduate students who are at least half-time and demonstrate financial need
  • Generally ranges from $135 to $600 per year
  • Requires satisfactory academic progress
  • FAFSA required by March 1

Loans

Educators for Maine Program

  • ME residents who are matriculated full-time undergraduate students planning to teach in the State of Maine;
  • $3,000 per year; up to $12,000 for 4 years; loan forgiveness available to qualified borrowers;
  • Up to four years of full-time study; requires satisfactory academic progress and at least a 2.5 CGPA (HS). Current college students may apply with at least a 3.0 CGPA;
  • FAFSA required by May 1. FAME application required by May 1. New and renewal applications are available at FAME website

    Nursing Student Loan

    • Selected full- or part-time matriculated undergraduate nursing students who demonstrate need;
    • Generally ranges from $500 to $2,000. Has a 5% interest rate and a 9 month grace period;
    • Usually restricted to first- and second-year nursing students and requires satisfactory academic progress. Must remain a nursing student to qualify for deferment of payment;
    • FAFSA required by priority deadline for full consideration. First-time borrowers must complete a reference form and entrance interview.

    Federal Subsidized Direct Loan Program

    • Matriculated undergraduate students who are at least half-time and demonstrate financial need;
    • Requires eligibility for federal aid and cannot have exceeded federal loan limits;
    • Requires satisfactory academic progress;
    • First-time borrowers must complete an entrance interview;
    • FAFSA required for application; promissory note required for disbursement.
    • Interest rate for 2015-16: 4.29% (fixed for life of loan)

    Federal Unsubsidized Direct Loan Program

    • Matriculated undergraduate students who are at least half-time and do not demonstrate financial need or independent students;
    • Requires eligibility for federal aid and cannot have exceeded federal loan limits;
    • Requires satisfactory academic progress;
    • First-time borrowers must complete an entrance interview;
    • FAFSA required for application; promissory note required for disbursement
    • Interest rate for 2015-16: 4.29% (fixed for life of loan)

    What are the interest rates for federal student loans?

    The interest rate varies depending on the loan type and (for most types of federal student loans) the first disbursement date of the loan. The table below provides interest rates for Direct Loans first disbursed on or after July 1, 2015.  

    Interest Rates for Direct Loans

    Loan Type Borrower Type Loans first disbursed on or after 7/1/15 and before 7/1/16

    Direct Subsidized Loans      Undergraduate      4.29%
    Direct Unsubsidized Loans      Undergraduate      4.29% 
    Direct Unsubsidized Loans      Graduate or Professional      5.84%
    Direct PLUS Loans      Parents and Graduate or Professional Students 6.84%

    All interest rates shown in the chart above are fixed rates for the life of the loan.

    Maximum Annual Direct Loan amounts

    Dependent Students

    Year in School
    (by credits earned)
    Total Base Sub
    or Unsubsidized Loan
    Loan  Additional
    Unsubsidized Loan
    Total Loan

    First (0-27) 3,500.00 2,000.00 5,500.00
    Second (28-59) 4,500.00 2,000.00 6,500.00
    Third (60 plus) 5,500.00 2,000.00 7,500.00

     

    Independent Students

    Borrower’s Year in School
    (# credits earned)
    Base Amount Subsidized or Unsubsidized Additional Unsubsidized Amount Total Amount

    First Year
    (0 to 27)
    3,500.00 6,000.00 9,500.00
    Second Year
    (28-59)
    4,500.00 6,000.00 10,500.00
    Third & Fourth Year (60 plus) 5,500.00 7,000.00 12,500.00

    Total maximum outstanding debt allowable:

    • $31,000 for dependent undergraduates
    • $57,500 for independent undergraduates

    A dependent student whose parent is denied a Federal Direct Parent Loan may borrow the additional Unsubsidized Direct Loan up to $4,000 for first and second years and $5,000 for third and fourth years.

    For more information on federal programs, go to the Federal Student Aid website or call 1-800-4FEDAID.

    A sample loan repayment schedule is available at the Federal Student Aid website.

    Federal Work-Study Program

    • Full- or part-time matriculated undergraduate students who demonstrate financial need; priority is given to previous participants
    • Generally ranges from $1,000 to $1,500
    • Up to four years of full-time study with similar financial need and satisfactory academic progress
    • FAFSA required by priority deadline for full consideration

    Current work study and other student employment positions are posted on our Jobs@SJC site. You will also find our Federal Work Study Handbook there.

    Assistance for International Students

    Students from other countries are considered for Saint Joseph's merit scholarships. However, these scholarships do not cover the full expense of attending the College. 

    International candidates may want to look for other scholarship assistance and borrowing options at EduPass