Financing your education (2016-2017)

2016-2017 GUIDE TO SCHOLARSHIPS & FINANCIAL AIDAffording Your Saint Rose Education

Table of Contents:

What is Financial Aid /Applying for Financial Aid . . . . . . . . . . . 2-3

Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4-5

Scholarships and Grants /Federal and State Programs . . . . . . . . 6

Federal & Private Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

Education Benefits for Military and Veterans . . . . . . . . . . . . . . . . 8

Frequently Asked Questions. . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

Case Studies. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

Payment Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11

Calculating Your Bottom Line . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

Investing in Remarkable Students

When considering colleges, there is so much to think about. What degree

programs are offered? How much interaction will you have with faculty?

Are there opportunities for undergraduate research, internships, meaningful

community service? Of course, at the back of your mind, you are thinking about

cost. Saint Rose offers one of the lowest private college costs (tuition, fees,

room and board) in the entire Northeast. With no graduate students as teaching

assistants, an average class size of 17, and recognition as one of the top

“Best Northern Universities” by US News and World Report, The College of

Saint Rose offers a remarkable education at an affordable price.

We believe you should have clear information about scholarships and financial assistance as early

as possible in the college search process. Since, first and foremost, the College values academic

achievement, we have established a series of scholarships based on high school GPA and SAT

or ACT scores. This brochure describes the amounts and the qualifying criteria for Saint Rose

academic scholarships, so you can see for yourself what type of scholarship you will be eligible for.

We have also included the steps to apply for financial aid, important deadlines and sample financial

aid packages. We hope that this brochure brings transparency to this subject and enables you to

see that a private college education is, indeed, a remarkable value.

This is a remarkable institution, and we are investing in remarkable students— just like you. We

are committed to you and the quality of your education, so feel free to contact our admissions

or financial aid staff with any questions.

CALL US—Our number is 1-800-637-8556

Financial aid email: [email protected]

Admissions email: [email protected]

q 96% of undergraduate programs require or provide the opportunity for an internship, student teaching orclinical practicum enabling students togain experience in their chosen profession.

q 93% of graduates who responded to the most recent survey are employed or ingraduate school.

q 96% of students participated in a capstone course required by their academic major.

q 98% of students receivefinancial aid.

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What is Financial Aid?

Financial Aid is funding awarded to students to assist with the cost of attending college.

Approximately 98% of all Saint Rose students receive some type of financial assistance in the form

of scholarships, grants, student employment, and loans.

Selecting a major is not the only criteria to be considered when choosing a college. A college

education is one of the most important investments an individual can make; it is our goal to make

your college education an affordable investment.

Financial aid comes from a variety of sources: federal; state; institutional in the form of scholar-

ships, grants, loans; and student employment.

Scholarships: Funding that does not need to be repaid. Usually based on merit.

Grants: Funding that does not need to be repaid. These types of funds can come from the fed-eral government, state government, or the college. May be awarded based on financial need

or may be based on non-need criteria.

Loans: Money that is borrowed that must be repaid. Sources of loans can be from the federalgovernment, some states, or a private lender (bank or credit union).

Student Employment: Money that can be earned by working part-time on campus. Thesefunds come from the federal government in the form of Federal Work Study. Funding is limited.

Prospective first year students considering The College of Saint Rose who wish to receive an

estimate of the potential costs and financial aid can use our Net Price Calculator (NPC). Students

& families will need to provide information regarding income, household size, GPA, SAT/ACT

scores, etc., to receive an estimate. This is not the official application for financial aid; students

must complete the FAFSA to be considered for aid.

The Financial Aid office here atSaint Rose is fantastic!

Through Financial Aid, I foundout that I was eligible for a

Transfer Scholarship at SaintRose, which made me more

confident with the decision totransfer here without breakingthe bank! Perhaps my favoritequality of the Financial Aid of-fice at Saint Rose is that theytreated me like a person, notjust another number! By sit-ting down with the FinancialAid counselors, they explainedeverything on my bill, step bystep. They also included mymom in the process which really stood out to me, andanswered every question shehad even if it was a simplequestion. If it wasn't for theFinancial Aid counselor who

helped me, I can honestly say I wouldn't have been able

to stay at the place that hasbecome a second home to me!

Lauren Sears, CommunicationsClass of 2014

New Lebanon, N.Y.President , Tau Sigma Honor Society

Staff Writer, The Chronicle

Visit the Saint Rose Net Price Calculator at:https://npc.collegeboard.org/student/app/strose

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Applying for Financial Aid

All students who would like to be considered for financial aid must first be offered admission to the

college. Students wishing to receive financial aid must file a Free Application for Federal Student

Aid (FAFSA).*

The first step for all first-time aid recipients is to create a FSA user ID at https://fsaid.ed.gov.

Parents of all dependent students must also apply for a separate FSA user ID.

Next, file the FAFSA online at www.fafsa.gov. Each year the FAFSA is made available by January 1.

All prospective first year students and transfer students should apply by February 1. If tax returns

have not been completed, estimate the income portion of the FAFSA as accurately as possible.

Apply for state scholarships and grants. Check with your state agency for application information

and forms. NYS residents may apply for TAP at www.hesc.ny.gov.

The College of Saint Rose school code is 002705. Completed FAFSAs are transmitted to the

College electronically by the federal government.

Financial Aid award letters for accepted students will begin to be distributed in early March.

*Students must refile the FAFSA for each new academic year.

New Student Financial Aid Timeline

q January: Apply for FSA user ID and complete the FAFSA

q February: Financial Aidpackages mailedRespond to any additional requests fromthe Financial Aid Office

q March/April: Attend one of our Accepted Students Days

Don’t forget toaccept/decline your aid awards

q May 1: Deadline for new

The College of Saint Rose has enabled me to fulfill my dreams andambitions by performing above and beyond my standards, and helping me every step of the way. The financial aid team in particularwas able to address all of my concerns with awareness, knowledge,and insight of the financial aid system. I was relieved to see howmuch scrutiny was placed into the review of my financial aid package.The financial aid counselors have made me, as well as my award,their first priority.

Sarah Medina, Accounting, Class of 2016Ridgewood, N.Y.

NOTE TO TRANSFERSTUDENTS:

Although our preferreddeadline is in February,we continue to processfinancial aid decisions

throughout the academic year.

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Guaranteed Academic Scholarships

The College of Saint Rose is committed to enrolling students with superior ability and proven academic achievement. To support our commitment,

the College offers a generous array of academic scholarships for first-year students. These scholarships are not based on financial need, but on

the merits of students’ academic achievements.

Academic scholarships are awarded upon acceptance to Saint Rose. These scholarships are renewable for first year students each year for four

years (eight semesters) and transfer students each year for two years (four semesters) of full-time study, as long as the student remains in good

academic standing as outlined in the College’s catalog.

The amounts indicated for the academic scholarships are based on awards offered for the 2016 – 2017 academic year. Application deadline for

scholarship consideration is February 1.

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First Year Students Academic Scholarships and Financial Awards

Scholarship Amount High School GPA SAT CR & M/ACT Composite Score

Trustees Scholarship $19,000 90+ 1240+ SAT or 27+ ACT

Presidential Scholarship $17,000 88+ 1020+ SAT or 22+ ACT

Provost Scholarship $16,000 85+ 900+ SAT or 19+ ACT

Saint Rose Award $15,000 80+ 900+ SAT or 19+ ACT

Founders Award $14,000 All Others All Others

First Year Students Test Optional Academic Scholarships and Financial Awards

Scholarship Amount High School GPA

Trustees Scholarship $19,000 98+

Presidential Scholarship $17,000 93+

Provost Scholarship $16,000 90+

Saint Rose Award $15,000 85+

Founders Award $14,000 All Others

Academic scholarships are awarded upon acceptance to Saint Rose and are renewable each year for four years (eight semesters) as long as the student remains in good academic standing as outlined in the College’s catalog.

The amounts indicated for the academic scholarships are based on awards offered for the 2015-2016 academic year.

Academic Scholarships for International StudentsThe College of Saint Rose is committed to enrolling students with superior ability and proven academic achievement. To support our commitment,

the College offers a generous array of academic scholarships for international undergraduate students. These scholarships are based on the

merits of students’ academic achievements.

Prospective international undergraduate students will be considered with their high (secondary) school GPA and the highest of their scores

on any one of four exams: ACT, SAT, TOEFL or IELTS. We will only consider the student’s highest score so that the applicant is eligible for the

most valuable scholarship award.

Students seeking athletic scholarships must provide ACT or SAT scores, per NCAA rules.

Native English speakers from Canada, the UK, Australia, New Zealand, Ireland, and other countries must submit SAT or ACT scores to be

eligible for academic scholarships.

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Academic Scholarships for International StudentsScholarship Amount High School GPA SAT CR & M/ACT Composite Score TOEFL/IELTS

Trustees Scholarship $19,000 90+ 1240+ SAT or 27+ ACT 110 or 7.5

Presidential Scholarship $17,000 88+ 1020+ SAT or 22+ ACT 90 or 6.5

Provost Scholarship $16,000 85+ 900+ SAT or 19+ ACT 80 or 6.0

Saint Rose Award $15,000 80+ 900+ SAT or 19+ ACT 80 or 6.0

Founders Award $14,000 All Others All Others All Others

Transfer Academic Scholarships (including Transfer International Students)

Scholarship Amount Cumulative GPA of all College work

Transfer Scholarship $14,500 3.81 – 4.00 GPA


Transfer Scholarship $9,500 3.21– 3.49 GPA


Transfer Scholarship $8,500 2.99 and below

Phi Theta Kappa Scholarship* $1,000*Awarded to members in addition to all merit awards.

Academic scholarships are awarded upon acceptance to Saint Rose and are renewable each year for four years (eight semesters) as long as the student remains in good academic standing as outlined in the College’s catalog.

The amounts indicated for the academic scholarships are based on awards offered for the 2016 – 2017 academic year.

Scholarships and Grants

Art Scholarship: Scholarship awarded to students with extraordinary artistic ability. Submission of an art portfolio is required. Awardamounts are determined by art faculty.

Music Scholarship: Scholarship awarded to students with extraordinary musical ability. Music audition is required. Award amounts are determined by music faculty.

Phi Theta Kappa Scholarship: The Phi Theta Kappa (PTK) Scholarship is available to transfer students who are PTK members. Recipients will receive $1,000 in addition to the transfer academic award. Students will need to obtain a letter from the PTK advisor showing

that they are a member of Phi Theta Kappa.

Saint Rose Grant-in-Aid: A grant provided by the College that is awarded based on the results of the FAFSA.

Restricted Scholarships & Grants: Saint Rose has several restricted scholarships for which students may qualify. Students mustshow academic excellence, demonstrate financial need, and meet the criteria set forth by the donor. There is no separate application; funds

are awarded at the discretion of the financial aid office.

Private Scholarships: Students are encouraged to apply for scholarships from a variety of private sources. Searches are made available on-line. Some links to explore: fastweb.com and finaid.org.

Federal and State Programs

Federal Pell Grant: A need-based program providing assistance to students with lower income. Award amounts are determined by the Estimated Family Contribution (EFC) from the FAFSA which in 2015 – 2016 ranged from $626 – $5,775. Awards are available to full-time

as well as part-time students.

Federal Supplemental Education Opportunity Grant (SEOG): A need-based program providing assistance to students who qualify for a Pell Grant. Award amounts are determined by the College. Funding is limited, not all who qualify will receive it.

Federal TEACH Grant: A non-need-based grant provided by the federal government for students who are pursuing a degree in education. Students must agree to teach for four years in a low-income school district and in a high-need field once they have graduated.

A separate application is required and students must meet additional eligibility requirements.

NYS Tuition Assistance Program (TAP): A need-based state program that provides assistance to students who are NYS residents and attend a NYS institution. Award amounts range from $500 – $5,165 and are based on your NYS taxable income. A separate

application is required and can be completed at www.hesc.ny.gov.

Additional NYS Grant & Scholarships: New York State residents may also qualify for other grants provided by New York State government (i.e. NYS Math & Science Teaching Incentive, NYS Memorial Scholarships, Academic Excellence, World Trade Center, etc).

A comprehensive list is provided at www.hesc.ny.gov.

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Federal & Private Loans

Federal Direct Student LoansFederal Direct Student Loans are low-interest federal loans offered to undergraduate students. There are two types of Federal Direct Student

Loans: Subsidized and Unsubsidized. The Federal Direct Student Loans are funds the student borrows that must be repaid. All students who

wish to obtain a federal loan must be enrolled on at least a half-time basis (6 credit hours) and file a FAFSA form (www.fafsa.gov). Prior to

receiving their first disbursement, new loan borrowers are required to Complete Entrance Counseling and Sign a Master Promissory Note.

Students must go to www.studentloans.gov to complete Entrance Counseling and sign a Master Promissory Note once they have officially

accepted the loans with the Office of Financial Aid via the Saint Rose secure site.

Federal Direct Subsidized Loan: The U.S. Department of Education pays the interest on the loan as long as the student is enrolled at least half-time. A credit check is not required for approval of this loan. To receive the loan, a student must demonstrate financial need and

cannot be in default on any other type of federal loan. Financial need is determined by filing the FAFSA. If a student is eligible for a subsidized

loan, it will be reflected on the award letter. Payments for this loan are deferred until 6 months after the student graduates or ceases to be

enrolled at least half-time.

Federal Direct Unsubsidized Loan: The interest will accrue while a student is enrolled and is not subsidized by The U.S. Departmentof Education. To receive the loan, a student does not need to demonstrate financial need but cannot be in default on any other type of federal

loan, but a FAFSA must be filed. A student may choose to pay the interest while in school or they may defer the payment. If you choose not to

make interest payments while in school, the interest will be capitalized at repayment and added to your repayment. Payments for this loan are

deferred until 6 months after the student graduates or ceases to be enrolled at least half-time.

Federal Direct Parent Loan (PLUS): Parents may choose to apply for a PLUS loan for their dependent undergraduate student as a payment option. To receive the loan, a student does not need to demonstrate financial need and the parent or student cannot be in default on

any other type of federal loan, but a FAFSA must be filed. In addition, a credit check is required for approval of this loan. The maximum amount

the parent may borrow on a Federal Direct PLUS Loan each academic year is the cost of attendance minus other financial aid received by the

student. Repayment of this loan begins once the loan has been fully disbursed and is repaid over a ten-year period. Parents may choose to

defer monthly payments while a student is in school by choosing the deferment option when completing the credit check. To complete the credit

check, please visit www.studentloans.gov. Once approved, the parent must sign a Master Promissory Note at www.studentloans.gov. A separate

application is also required.

Private Alternative LoansPrivate Alternative Loans are private, credit-based loans where the student is the borrower. The maximum amount the student may borrow

each academic year is the cost of attendance minus other financial aid received by the student. These loans must be repaid, and the student

must be at least 18 years old to apply. Private loans offer varying terms and conditions set by the individual lender of the loan program.

Please also note that time is required to obtain and review credit reports, obtain enrollment certification from the College, and for processing

of the disbursements.

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Education Benefits for Military and Veterans

Military service members and veterans can obtain various types of financial aid and military bene-

fits through Saint Rose. The College participates in the Yellow Ribbon Program for military veterans

and/or their eligible dependents. Veterans should first complete all necessary applications with the

U.S. Department of Veterans Affairs. Once approved, students may contact our Veterans Certifying

Officers located in the Registrar’s Office.

n Chapter 33 Post 9/11 GI Bill & Transfer of Entitlement

n Chapter 35 Dependents Education Assistance

n Chapters 30 &1606 Montgomery GI Bills

n Chapter 1607 Reserve Educational Assistance Program (REAP)

n Chapter 31 Vocational Rehabilitation

n Yellow Ribbon Program

In addition to receiving military and veteran benefits, students may also apply for additional aid

by filing the FAFSA, or can qualify for one of our academic-based scholarships.

NYS residents should also check with NYSHESC to determine if they qualify for one of the

State Military & Veterans awards. Programs and eligibility are listed on their web site at

www.hesc.ny.gov, look under “Military Corner.”

� � �

VETERANS CONTACTS

Department of Veterans AffairsRegional Office130 South Elmwood Ave.Buffalo, NY 14202

www.gibill.va.gov1-888-GIBILL-1

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The College of Saint Rose has afforded me a great learning experience,but has also enabled me to effectively utilize my GI Bill and the College’sYellow Ribbon Program to pursue college tuition free. Through coop-eration between the College and the VA, I was able to not only obtainmy undergraduate degree in business, but I have also been able toleverage my veteran’s education benefits to actively pursue my graduatestudies at The College of Saint Rose. I highly recommend that veteranslooking to maximize their GI Bill give Saint Rose a good look becausebeing “military friendly” is more than just a slogan to the College;they are taking real steps to make sure vets are successful both asstudents and as members of the community.

William Price,B.S., December 2013Currently enrolled in the MBA program

Frequently Asked Questions

A: A Financial Aid Package is a listing, produced by the College, of allgrants, scholarships, and loans that a student might receive from Fed-eral, State, and College sources. The total amount of aid awarded isbased on the student's demonstrated need for a given year. Studentsmust file the FAFSA each year to qualify for need-based assistance.

A: Award letters are mailed or emailed from the Office of Financial Aid.The letter outlines a student’s financial aid package. It advises studentsof their rights and responsibilities as a financial aid recipient.

A: For all accepted students, the award letters are sent out in late Febru-ary. If your FAFSA is received later than February 15, you can expect toreceive your award letter within 2 weeks after it has been sent to us bythe federal processor. Returning students receive notice of financial aidpackages via email beginning in May.

A: Yes. All students should apply for financial aid. Financial aid comesfrom various sources (college, federal & state). You are also required to file the FAFSA if you intend to take out a government loan. When in doubt, fill it out.

A: No. Although accurate information is important when filing the FAFSA,you are allowed to estimate income figures. Once your taxes have been completed, you will need to go back and update the FAFSA withthe appropriate figures.

A: In the event that your parents are separated or divorced, you will needto report the data for the custodial parent (not necessarily the parentthat claims you on their tax return). The custodial parent is the parentwith whom you resided the most in the past 12 months. In the eventthat you did not live with your parents or they have shared, equal cus-tody, report the parent that provided the most financial support duringthe past 12 months.

A: The federal government has established strict guidelines regarding dependent/independent status. You may be considered an independentstudent if you meet any of the following criteria: n you are at least 24 years of agen you are a veteran of the U.S. Armed Forcesn you are married or have a legal dependent other than a spousen you are an orphan or ward of the courtParent data is necessary if you do not meet any of the above situations.

A: You must notify the financial aid office of all outside awards. Your financial aid package may need to be adjusted to include this award.In the event that your package does change, you will be sent a newaward letter.

A: No. The College of Saint Rose does not base its admissions decisions on a student's financial aid status. After the separate admissions decision ismade, the Office of Financial Aid will review the data reported on theFAFSA and mail a Financial Aid Award Letter.

A: Alternative/Private Student Loans are those loans not offered by the federalgovernment, but offered by various banks for educational purposes. Suchloans are subject to approval based upon credit history and do not followfederal rules or guidelines. Students must be at least 18 years old to applyfor Private Student Loans.

A: Yes. While a payment plan does not come in the form of financial aid, it is a great way to spread out your remaining semester balance.

A: Students must maintain Satisfactory Academic Progress (SAP) in order tocontinue to receive financial aid. Please refer to the latest UndergraduateCatalog for more information about SAP. Also, be advised that the criteriadiffer for federal, state, and institutional aid.

A: If a student drops from all courses prior to the end of the add/drop period,all tuition liability will be eliminated and all financial aid will be returned tothe appropriate source(s). Once the add/drop period ends, a student onlyhas the option of withdrawing, at which time both tuition liability and finan-cial aid eligibility will be prorated. Please refer to the Undergraduate Cata-log for a more detailed explanation of the financial aid refund calculation.

A: Yes. Students should contact their financial aid counselor for information regarding their eligibility for aid. Institutional scholarships and grants mayonly be used for study abroad programs offered by The College of SaintRose and for which tuition and fees are paid directly to the College.

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Case Studies

First-Year Student, Family of 4 with 1 in college

Adjusted gross income $30,000

GPA = 90 SAT = 1260

Student Living On-Campus

Biology major

New York State Resident

Saint Rose Scholarships $20,000

Federal/State Grants & Work-Study $13,550

Federal Loans $5,500

Total Aid $39,050

Tuition/Fees/Room & Board $41,704

Remaining Balance $2,654



GPA = 93 SAT = 1090

Student Living On-Campus

Special Education major

Connecticut Resident


College Grant $1,200

Federal / Work-Study $3,000


Total Aid $26,700

Tuition/Fees/Room & Board $41,704




GPA = 91 SAT = 1070

Student Living Off-Campus

Business major



College Grant $2,700

Federal / Work-Study $3,000


Total Aid $28,200

Tuition & Fees $29,826


Transfer Student, Family of 4 with 1 in college


Transfer GPA = 3.6

Criminal Justice major



State Grants & Work-Study $2,000


Total Aid $22,500

Tuition/Fees/Room & Board (if living on campus) $41,704


Tuition & Fees (if living off-campus) $29,826


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Payment Information

Paying your BillTuition payments are due ten days prior to the start of the semester. All tuition bills are sent to students through their Saint Rose

e-mail account.

Payment PlanOur Bursar’s office offers a semester-long payment plan. For an enrollment fee of $30, this interest-free alternative allows students to budget

their fall or spring semester tuition payments over the course of three or five months. Students can choose to pay all or a portion of their

account balance through the payment plan. Enrollment in this program occurs on a single semester basis and requires a valid credit card

or bank account number through which funds will be withdrawn on a monthly basis. By the end of the semester, the account balance should

be paid off.

To learn more about paying your bill please visit www.strose.edu/bursar.

Cost of Attendance 2015 – 2016

Tuition: . . . . . . . . . . . . . . . . . . $28,820

Room & Board: . . . . . . . . . . . $11,878 *

Mandatory Fees: . . . . . . . . . . . $1,006 **

Total Billed Costs:. . . . . . $41,704

*Amount reflects double room occupancy with meal plan 2. Cost will vary if you choose a different living option or meal plan**Lab fees, music fees, art fees, etc. will be applied on an individual basis

Estimated Books: . . . . . . . . . . . . . . . . . $1,000

Personal Expenses: . . . . . . . . . . . . . . . $1,500

Transportation Costs: . . . . . . . . . . . . . . . . $600

Total Indirect Costs: . . . . . . . . . . . $3,100

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With the help of the staff of the Saint Rose Financial Aid office, I was able to set upa payment plan for tuition that has helped make my college experience much moreaffordable. The helpful staff has always answered any of my questions regarding myaid or scholarship. The work that they do really helps cut down on stress so I canproperly focus on my education without having to worry about my finances.

Christopher Lovell, Computer Science, Class of 2014Mohegan Lake, N.Y.

Calculating Your Bottom LineCalculating what you will be responsible for paying is an important part of the financial aid process. This worksheet is provided to assist you in

estimating what you might pay.

Saint Rose COSTS

Tuition

Fees

Room & Board +

TOTAL COST =

Scholarships and Financial Aid

Federal and State Grants

Saint Rose Scholarships

Saint Rose Grants

Private and Federal Loans

Previous Payments +

TOTAL AID =

TOTAL COST

TOTAL AID –

WHAT YOU ARERESPONSIBLE FOR PAYING = ____________

(TOTAL COST minus TOTAL AID = WHAT YOU PAY)

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Visit the Saint Rose Net Price Calculator at:https://npc.collegeboard.org/student/app/strose

For Further Assistance:Undergraduate Admissions (518) 454-5150

[email protected]

Coordinator of Veteran Enrollment www.strose.edu/admissions/veteranswww.strose.edu/officesandresources/registrar/veteransinformation

Financial Aid (518) [email protected]

Health Services (518) [email protected]

Residence Life (518) [email protected]

Bursar’s Office (518 )[email protected]

Registrar’s Office (518) [email protected]

International Students (518) [email protected]

Helpful Websiteswww.strose.edu/finaid Financial Aid Office

www.strose.edu/admissions Undergraduate Admissions

www.strose.edu/admissions/veterans Veteran Resources

www.fafsa.gov Free Application for Federal Student Aid (FAFSA)

www.studentaid.ed.gov Federal Student Aid Information

www.fastweb.com Fastweb Scholarship Search

www.irs.gov/Credits-&-Deductions Tax Benefits for Education

www.finaid.org Student Guide to Financial Aid

www.studentloans.gov Managing your Federal Direct Loan

www.strose.edu

432 Western Avenue, Albany, NY 12203-1490 1.800.637.8556

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Albany, New YorkPermit No. 137

Documents

Financing your education (2016-2017)