(money you don’t pay back)



(money you don’t pay back)



Here to Help You Grow

Our students come from many different backgrounds and financial circumstances. It is our goal to keep Saint Joseph’s College within reach for every student who qualifies and wants to attend SJC.

By filling out the admissions application you’ll be considered for:

  • Merit scholarships (available all 4 years) based on GPA, SAT/ACT, community/school involvement;
  • Eligibility from $6,000 to $25,000.
3 students chat down at the lake

What You Need to Know

About Financial Aid

You must meet the following federal qualifications to be considered for financial aid:

  • U.S. citizenship or eligible non-citizen status
  • enrollment or acceptance for enrollment in a degree program at an eligible institution
  • no default on a federal student loan or refund required to a federal grant program
  • registration with Selective Service, if required
  • valid Social Security number
  • high school diploma or GED
  • satisfactory academic progress toward a degree

Other factors considered:

  • enrollment status
  • major
  • year in school
  • housing choice

Expected Family Contribution (EFC) & Need:
Cost – EFC = Need

  • You can find the federal EFC (Expected Family Contribution) on the Federal Student Aid Report you get after filing the FAFSA.
  • The federal EFC is not the amount you will pay to Saint Joseph’s College. Your financial aid offer letter will give you an estimate of your bill for the year.
  • We use the federal EFC to determine your federal and state aid. Example: a Maine resident who has an EFC of $5,800 or less (for 2020-21 academic year) will be considered for the Maine State Grant program.

Financial Aid Offer Notification

  • We begin to email financial aid packages to new students in November. (Please contact our office if you need copy of your letter.) We begin to email returning student packages in June.
  • The offer letter will list the types and amounts of aid that you are eligible to receive. This letter will also include our estimate of your share of tuition, fees, and room/board (if you live on campus).
  • The financial aid package is subject to change and no financial aid can be paid until all documents have been received and reviewed and enrollment has been confirmed.
  • You are required to report any scholarships you have received from organizations outside of Saint Joseph’s College to the Office of Financial Aid. If you are the recipient of other grants, scholarships, or benefits, your financial aid offer may need to be adjusted.
  • We will include information about our payment plan and other financing options.
  • Federal, state, and institutional funds are paid each semester.
  • Before we can pay your funds, we must check your enrollment status and eligibility.
  • New borrowers must complete the Federal Direct Loan entrance counseling and promissory note before loan funds can be paid. Both are found at www.StudentLoans.gov, student will login with their FSA ID.
  • If you have a credit on your account, these funds are returned to you (or your parent if it is from a Federal Parent Loan) unless you tell the Office of Student Accounts differently. Read our Credit Balance Policy.
  • Statements are mailed to the student/family throughout the year. Aid that has been packaged but not paid will show as “pending” aid.
  • Federal work-study does not appear on the bill because students are paid by check for the hours worked.

2022-23 Priority Deadlines

Incoming Students, March 1

New students must submit the FAFSA to be considered for our financial aid programs. Please try to submit this by the March 1 priority deadline. However, please know that we continue to review documents received after that date as long as funding remains.

Returning Students, April 15

Be sure that you submit the FAFSA by our priority date to receive consideration for all of our programs. We will contact you if additional documents are needed.

Got Questions?

Visit MyAid Portal
Schedule A Financial Aid Appointment

Financial Aid

Office of Financial Aid


Office of Student Accounts
FAX: 207-893-7678

Loan Deferment

Office of Academic Records
FAX: 207-893-7701

Opportunity Maine

The State of Maine recognizes the investment you’ve made in your education, and has puts its money where its mouth is – come here to live and work, and the State will reimburse your student loan payments via the Opportunity Maine Tax Credit. The Opportunity Maine Tax Credit reimburses student loan payments for college graduates who live and work in Maine. This tax credit is administered by the Maine Revenue Service.

Why should students be interested in the Opportunity Maine program?

Career Studio and Financial Aid talk about the program.

Opportunity Maine logo