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Financial Aid

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At Calumet College of St. Joseph, we will do everything we can to help make your education investment affordable.

  • Over 90 percent of our students receive financial aid.
  • All admitted students are automatically considered for internal scholarships.
  • The FAFSA is the only application required to be considered for need-based aid, including grants, loans and work-study. Calumet College of St. Joseph FAFSA school code is 001834.
  • File 2019-20 FAFSA as soon as possible Calumet College to ensure consideration for all available funds.
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Tuition & Fees

At Calumet College of St. Joseph, we will do everything we can to help make your education investment affordable.

  • Over 90 percent of our students receive financial aid.
  • First-year and transfer applicants can check out our for an estimate of costs after financial aid.

2019-2020 Tuition & Fee Schedule

Description
2019-2020

Tuition:

Traditional Program Tuition [full-time (12-18 credit hours) fall and spring term]

$19400

Traditional Program Tuition (part-time per credit hour)

$620

Degree Completion Program tuition (per credit hour)

ORMN

$570

PSM

$645

Master's Program tuition (per credit hour)

MAT (Teaching - Elementary, Secondary, & Final Phase)

$645

MSM (Management)

$670

PSA (Public Safety)

$840

MAP (Psychology)

$840

Required for all students:

Textbook Rental Fee / semester

Full-Time Traditional (12-18 credit hours)

$350

Part-Time Traditional per credit hour

$30

Graduate students (6-9 credit hours)

$225

Graduate students additional credit hours

$30

Course Add/Change Fee

$5 per book returned or received

Technology Fee (per term) - Continuing Students

$100

Technology Fee (per term) - New Students

Traditional, MSM, MAP, MAT

$100

ORMN, PSM, PSA (includes electronic tablet)

$200

Student Association Fee (per term)

$35

Required for International students:

International Student Services / term

$600

International Application Fee (one-time fee)

$50

Course Related Fees:

First Year Experience Fee (GENL 100)

$250

Honors L.C. Seminar (GENL 290H) / semester

$50

Education Seminar Fee (EDU 299) / semester

$50

LEAP Portfolio Processing Fee

$125

MAP Course 500: American Psychological Association Affiliate

$70

MAP Courses: 550/555

$75

MAP Course: 553

$100

Psychology Courses: 260/512

$50

Psychology Course 499 (make-up fee)

$25

ARTS & MFA (per course - excl Arts 273 & Arts 280)

$75

Science Lab Fees (per course)

$250

Student Teaching Courses: 494, 495

$500

Course Audit (Whiting, East Chicago, and Hammond Residents)

$100

Summer Seminars

$500

Intersession Courses

$500

Miscellaneous Fees:

Alternative Credit (CLEP, LEAP, Credit by Exam) per credit hour

$200

CLEP Exam Fee

$25

LEAP Portfolio Processing Fee

$125

Returned Check Fee

$50

Transcript of Credits (after first request)

$10

Deferred Payment Plan (1 term)

$50

Deferred Payment Plan (multi-term)

$50

Deferred Payment Plan Late Fee

$50

Graduation Fee - Undergrad

$125

Graduation Fee - Graduate program

$150

Replacement Diploma (each)

$30

CASA (new testing)

$25

ACCUPLACER retake fee (after 3rd attempt)

$10

Graduate Program Application Fee

$25

Undergraduate Late Registration Fee - New Students (Note A)

$25

Late Registration Fee (continuing students) After April 1st

$100

Late Registration Fee (continuing students) After May 1st

$200

Late Payment Fee (Fall - October 15; Spring - February 15)

$100

Honors Learning Trip Insurance

$125

Notes:
(A) Fall term – by July 1, Spring term – by December 1

Scholarships, Grants, Loans & Work-Study

Over 90 percent of our undergraduate students receive financial aid which may include scholarships, grants, federal loans, Work-Study.

All students are automatically considered for Calumet College scholarships based on their application for admission.

To be considered for need-based financial aid included federal grants, federal loans and Work-Study, submit the FAFSA as soon as possible after October 1st. The FAFSA is the only application Calumet College requires to be considered for need based financial aid.

Learn more about the sources and types of financial aid below and check out our net price calculator for an estimate of your potential financial aid award.

Federal and State Grants

Federal Grants

Federal Pell and Federal SEOG Grants are awarded based on financial need based on criteria set by the federal government. To be considered for Federal Pell and SEOG Grants submit the FAFSA online at FAFSA.ED.GOV. SEOG Grant funding is limited and funds are awarded on a first-come, first-served basis. To ensure consideration for all available funds, submit your FAFSA and any requested documentation as soon as possible after October 1st for the following school year.

State Grants

Students are encouraged to apply for State Grants. If you reside in Indiana you may be eligible to apply for grant or other funding from the state. To do so, simply file the FAFSA by April 15 for Indiana State consideration.

Student Loans

Information and Instructions

Your financial aid package will most likely include Federal Direct Student Loans. These loans are taken out in the student's name, and do not require repayment while you are enrolled at least half time in a degree or program.

Once you begin repaying the loans, the standard repayment term is 10 years. Student and parent loan funds will not be credited to your account until all necessary applications and promissory notes have been completed by you and/or your family.

Subsidized Federal Direct Student Loan

This loan is issued to the student by the federal government. You must file a FAFSA and demonstrate financial need to qualify.

  • The government will pay the interest while you're enrolled, and during your post-graduation grace period.
  • The fixed interest rate for loans borrowed for the 2018-2019 school year is 5.05%.
  • The fixed interest rate for loans borrowed for the 2019-2020 school year will be set in June 2019.
  • The loan has a 1.062% origination fee (for loans issued between October 1, 2018 and September 30, 2019).
  • Repayment is deferred until after graduation unless you drop below half-time enrollment.
  • Repayment will begin after a six-month grace period.

Unsubsidized Federal Direct Student Loan

This loan is issued to the student by the federal government. You must file a FAFSA to qualify.

  • You will pay all the interest, although you can have the payments deferred until after graduation.
  • The fixed interest rate for loans borrowed by undergraduate students for the 2018-2019 school year is 5.05%.
  • The fixed interest rate for loans borrowed by undergraduate students for the 2019-2020 school year will be set in June 2019.
  • The loan has a 1.062% origination fee (for loans issued between October 1, 2018 and September 30, 2019).
  • Repayment is deferred until after graduation unless you drop below half-time enrollment.
  • Repayment will begin after a six-month grace period.

Parent PLUS Loans and Private Loans

Information and Instructions

If you will have education costs not covered by other sources of financial aid (such as scholarships or student loans), you and your family may want to consider a parent or private loan.

These additional loans are not listed in your award package. Based on your individual need, you may choose to apply for them.

Federal Direct Parent Loan (PLUS)

The student must file a FAFSA for a parent to borrower a PLUS loan. This loan is issued by the federal government to parents including adoptive parents or a stepparent whose financial information was reported on the FAFSA.

  • Repayment is the parent's responsibility.
  • The fixed interest rate for loans borrowed for the 2018-2019 school year is 7.60%.
  • The fixed interest rate for loans borrowed for the 2019-2020 school year will be set in June 2019.
  • The loan has an origination fee of 4.248% (for loans issued October 1, 2018 through September 30, 2019).
  • Parents may borrow up to the cost of the student's education minus the student's financial aid award.
  • Credit approval or a credit-worthy endorser is required.
  • Be sure to borrow enough to cover both semesters.
  • Funds will be deposited directly into the student's account in two disbursements.
  • Repayment begins within 60 days after the final loan disbursement (usually spring semester).
  • You may request deferment while the student is enrolled, for up to four years.

To apply for a federal direct parent loan, begin the process at www.studentloans.gov

Private Loan

Private education loans are issued in the student's name and generally require a creditworthy cosigner. Loan rates, fees, terms and repayment start date vary from lender to lender and students are encouraged to carefully compare loan terms before borrowing.

  • The interest rate may be fixed or variable.
  • Fees will vary by lender.
  • You may request up to the cost of your education minus your financial aid award.
  • Credit approval is required and both student and cosigner are equally responsible for repayment.
  • Be sure to borrow enough to cover both semesters.
  • You must reapply for your loans each year.
  • If you need assistance determining how much you can borrow, contact Student Financial Services.

Private loan lenders: You are free to borrow private student loans from a lender of your choice. Calumet College does not have a preferred lender list or preferred arrangements with any lender.

Federal Work-Study

Work-Study Jobs

A variety of campus employment opportunities are available at Calumet College. Jobs are funded through the federal work-study program. A completed FAFSA application is required to determine eligibility.

Working while enrolled can be an important aspect of your experience at Calumet College. Students have the opportunity to choose a job and the hours that will work around your class schedule. A job may relate to a student’s academic work or provide the opportunity to explore career possibilities. Every two weeks earnings are paid directly to the student. Some choose to use earnings to defray educational expenses while others pay for personal expenses.

For more information on available student employment options at Calumet College, please visit Career Services.

What is Federal Work-Study?
How do I qualify for FWS?

Net Price Calculator

This calculator provides an approximation of what a new, undergraduate student can expect to pay to attend Calumet College of St. Joseph. It is not intended for use by continuing, graduate, international, or part-time students, who should contact the Financial Aid Office for more information.
The process will take about 10 minutes. You will need:

  • Your family’s 2016 tax return and W2s
  • The student’s academic information (including GPA, class rank, ACT scores, and SAT scores)

Coming Soon!

NOTE: This is not an official application for financial aid. The results provided here are an estimate, do not guarantee the actual aid you will receive, and shall not be binding on Calumet College of St. Joseph, the State of Indiana, or the U.S. Department of Education. The estimate is subject to the accuracy of the information you provide, may change if financial or family characteristics change, and does not incorporate any special circumstances, which are reviewed after you officially apply for aid.

This software incorporates estimated simulated U.S. Department of Education formulas; all rights reserved. The student must complete the Free Application for Federal Student Aid (FAFSA) to determine eligibility for federal funds.

Contact Us

Applying For Aid

How to Apply

All admitted students are automatically considered for Calumet College scholarships based on their application for admission.

The Free Application for Federal Student Aid (FAFSA) is the only application required to be considered for need-based financial aid. Apply online at fafsa.gov and use our Federal School Code 001834 to have your FAFSA sent to Calumet College.

The student and at least one parent (for dependent students) will need a Federal Student Aid ID (FSAID) to electronically sign the FAFSA.

When submitting the FAFSA, look for IRS Data Retrieval Tool to directly link your IRS income information to your FAFSA. Linking your IRS tax information directly to your FAFSA streamlines aid processing and reduces the need to Student Financial Services to collect supplemental documentation.

We encourage all students to complete and submit the FAFSA annually to ensure consideration for all available sources of financial aid. FAFSA information is used to determine eligibility for federal and state financial aid and internal financial aid from Calumet College.

When to Apply

Submit your FAFSA as soon as possible after October 1, 2018 to ensure consideration for all available sources of aid.
The 2018-19 FAFSA is available at fafsa.gov.

Helpful Videos

How to create your FSA ID

How to complete the 19-20 FAFSA

Determining Dependency Status

Determining Dependency Status

What To Do If I Forgot My FSA ID Username

FAFSA Resources

Contact our office on:

  • Completing the FAFSA
  • Determining Dependency Status and Whether Parental Information is Required
  • Determining Who is Your Parent for FAFSA Purposes
  • Other FAFSA questions

Your Financial Aid Award

The exact timing of your financial aid award depends on several factors. If you are an applicant for Fall 2019 Admission, submit your 2019-20 FAFSA in October 2018 to ensure your financial aid award is issued as early in 2019 as possible. Your financial aid award may include estimated financial aid if we have requested any additional information or documentation or for federal/state award which are subject to budget approval.

Financial aid awards for returning students will be available as soon as possible after registration for Fall classes are complete. Please see your advisor as soon as possible to expedite the process. Financial aid awards for continuing students are finalized after we verify Satisfactory Academic Progress at the end of the school year.

Billing & Payment

Calumet College mails all billing correspondence in the student's name to their home address. It is the student's responsibility to inform the College if an alternate address should be used. Someone other than the student may be designated as the primary billing contact person; however, the student must complete the FERPA Form to authorize this request.

Frequently Asked Questions

2019-20 Financial Aid Checklist

  1. Complete the FAFSA (Free Application for Federal Student Aid).
    1. Go to www.fafsa.ed.gov and file your FAFSA, effective October 1st.
    2. First-time filers and parent must create an FSA ID, (E-mail or user name and password) in order to sign the FAFSA. Go to www.studentaid.ed.gov/fsaid to create your ID and password.
    3. Add Calumet College to your FAFSA by using the school code – 001834 under the “School Selection” tab on the FAFSA.
  2. Complete the Verification process by August (only if selected).
    1. You will be notified by letter if you have been selected for verification.
    2. You will need to provide additional documentation to the Financial Aid Department:
      • A completed Dependent or Independent worksheet
      • Your 2017 tax information by using the IRS Data Retrieval Tool on the FAFSA or by providing a copy of your 2017 Return Tax Transcripts from the IRS (www.irs.gov/transcripts).
      • Parents or Independent students who did not work or file taxes in 2017 will need to complete a form 4605-T, "Verification of Non-filing." For forms or additional verification information, please contact the Office of Financial Aid at (219) 473-4296.
  3. Log into your student portal, MYCCSJ to review and accept/decline your financial aid by August prior to start of your classes.
    1. Go to www.ccsj.edu. Under "Current Student", select MYCCSJ.
    2. Log in via the directions found on the bottom left of the screen.
    3. Once logged in, select the "Financials" tab.
    4. Under “Financial Aid” click on "Accept/Decline Financial Aid."
    5. Select the appropriate year, "2019-2020"
    6. Accept or decline each award offered. If you wish to borrow less in loans than what you were awarded, enter new amount in "Change Amount" field before accepting your loans.
  4. Complete Student Loan Entrance Counseling and Master Promissory Note by August. This only needs to be completed once during your program enrollment and only if you plan to borrow a federal student loan. Plus Master Promissory Notes must be completed by any parent borrowing a Parent PLUS Loan.
    1. To complete Entrance Counseling or Master Promissory Note, go to www.studentloans.gov. Log in with your FSA ID (email and password for FAFSA).
    2. When completing a Master Promissory Note for Parent PLUS Loans, parents must log in with their own FSA ID, not the students.
    3. References are required for all MPN’s. The approximate time to complete both is 15-30 minutes.
    4. Loans cannot be disbursed until the MPN and/or Entrance Counseling is complete.
  5. If you need additional funds to help cover your balance, secure a private loan, set up a payment plan, or dependent students can have parents apply for the Parent PLUS loan.
    1. Parents can apply for Parent PLUS Loan via www.studentloans.gov under the parents FSA ID or via paper application from the Financial Aid Office or the www.ccsj.edu website via forms.
    2. Alternative or Private Loans (we accept any lender)
      Some suggestions are: Citizens Bank, College Ave, Discover Student Loans, EDvestinU, iHelp, INvestEd, raise^private student loans, Sallie Mae, and Suntrust.
    3. Payment Plans:
      • All outstanding balances must be paid by the end of each term.
      • Students can sign up for a monthly payment plan with Walter Thompson, Coordinator of Student Accounts, [wthompson@ccsj.edu, (219) 473-4394].
      • Students who sign up for a payment plan early may have a smaller down payment and are able to spread payments over a greater number of months.
      • Monthly payments are based off outstanding balance.
    4. Important Information:
      • All student and parent plus loans incur and origination fee that is deducted from the total amount of the loan before the loan is applied towards a student’s balance.
      • The current interest rate and origination fee can be found at www.studentloans.gov.
      • Repayment of Parent PLUS Loans are the responsibility of the parent.
      • Parent PLUS borrowers will be expected to start making payments once the loan is disbursed. However, borrowers can contact their loan servicer to request a deferment while the student is enrolled in school at least half-time.
  6. Pay Fall semester balance by August and Spring semester balance by the January class start date.

SAP Policy and Appeal Form

When you receive federal or state financial aid, federal guidelines require that you make real and measurable progress toward your degree in order to continue to receive federal or state financial aid. This requirement is called Satisfactory Academic Progress (SAP).

The Satisfactory Academic Progress Policy addresses your academic progress during all your terms of enrollment at Calumet College, including summer, whether or not you receive financial aid during the terms. At Calumet College, this policy applies to federal, state, and institutional aid, including federal loans. Note that institutional aid programs may have specific eligibility or renewal requirements in addition to the minimum requirements of the Satisfactory Academic Progress Policy.

SAP Policy and Form

Financial Aid Resources

Office of Financial Aid



Office: Room 120
Phone: (219) 473-4296
E-mail: finaid@ccsj.edu
FAX: (219) 473-4340

Hours
Monday & Thursday:
9:00 A.M. - 4:00 P.M.

Tuesday & Wednesday:
9:00 A.M. - 6:30 P.M.

Friday:
9:00 A.M. - Noon