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Student Accounts Information
* Links below redirect from the Catalog site to the Student Accounts section of the Nazareth website
Additional links & information within the Catalog site
Financial Aid Information
Federal Title IV Refund Policy: Term Withdrawal, Leave of Absence, Financial Aid, and Tuition Reduction Eligibility
Students must notify the Center for Student Success in person, in writing or by telephone of their intent to withdraw from all courses in the semester.
Our Title IV/financial aid withdrawal date is the date the student provides official notification, to an office designated by Nazareth University, of intent to take a leave of absence (LOA) or a complete withdrawal (WD); or begins the Nazareth University leave of absence (LOA) or withdrawal (WD) process, whichever date is earlier.
Once the student completes the official withdrawal process, the Center for Student Success sends the LOA/WD form to the Registration and Records Office for processing. That office will enter the beginning of the LOA or WD as the date the student signed the LOA/WD form.
Reduction of tuition charges will be determined based on the withdrawal date. Dates for determining reduction of tuition charges are published on the Student Accounts’ website.
Recipients of Federal student aid who withdraw from all classes in a semester (term withdrawal/leave of absence) earn eligibility for Federal student aid on a daily proportioned basis up until 60% of the semester has passed. All days during the semester (except for breaks of 5 days or more and their attendant weekends) are counted. If a student has not earned all of their Federal assistance, funds are returned to Federal programs. Students are responsible for repaying remaining loan funds according to the terms of their promissory notes. Federal Work Study earnings are not required to be repaid. Note: Because tuition charges continue to be assessed by the Student Accounts Office at a percentage rate higher than the rate at which Federal policy considers Title IV student aid to be earned, students may incur a sizeable uncovered debt to Nazareth when the University makes required repayment of unearned financial aid to its source. Gift assistance provided by Nazareth University continues to be credited in the same percentage as Student Accounts charges tuition.
Post withdrawal disbursements of Federal student aid for which the student may be eligible will be made first from grant sources, then from loans. Within 14 days of determination of term withdrawal, the University will notify the student in writing the amount and type of funds available for post withdrawal disbursement together with explanation of the option to accept or decline all or part of this aid. The student must advise the University of their decision within 14 days or the potential disbursement is forfeited. Students will not be eligible for a late disbursement of their loan if it is the second disbursement of the loan, e.g. a student borrows for fall and spring semesters, fall disbursement is received, student registers for spring but withdraws before disbursement is made. This student will not be eligible for the second disbursement of the loan.
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General Information - Financial Aid
The first step in applying for financial aid is to complete the Free Application for Federal Student Aid (FAFSA). Students must complete a FAFSA every year to be considered for institutional and federal financial aid. Nazareth University scholarships and grants require full-time enrollment, and maintaining satisfactory academic progress.
* See also Satisfactory Academic Progress later in this section for information on satisfactory academic progress standards which apply to all federal, state and Nazareth scholarships/grants.
All inquiries about financial assistance and scholarships should be directed to the Financial Aid Office, Nazareth University by calling 585-389-2310 or emailing finaid@naz.edu.
Matriculated students enrolled in one of Nazareth University’s study abroad Residential Programs, Exchange Programs, or Short Term Programs and charged Nazareth University tuition will be eligible for Nazareth University scholarships/grants, NYS aid, and Federal aid as applicable. (Note, however, that Nazareth room grants are not awarded for terms off campus.) Matriculated students enrolled in another college or institution’s study abroad program and not paying Nazareth University tuition will not be eligible for Nazareth University scholarships/grants.
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Federal Pell Grants
Federal Pell Grants are federal grants available to undergraduate students earning their first bachelor degree and determined by completing the FAFSA application.
The Pell Grant is limited to a lifetime equivalent of six full time years. Additional information regarding the Pell Lifetime Eligibility (LEU) may be found at: https://studentaid.gov/understand-aid/types/grants/pell/calculate-eligibility
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Federal TEACH Grant
The Federal Teacher Education Assistance for College and Higher Education (TEACH) Grant Program provides grants up to $2,000 per semester to academically qualified students who intend to teach in a designated high-need subject area in an elementary or secondary school or educational service agency that serves students from low-income families. In order to receive the grant, an eligible student must complete a TEACH grant application, Agreement To Serve, Counseling and FAFSA annually. Applicants should be aware that failure to complete the service obligation will result in the grant being converted to a Federal Direct Unsubsidized Loan with interest accrued and capitalized from the date of the original disbursement. **TEACH grant funding and continuance is not guaranteed and is subject to federal budget approval.
Additional information regarding the TEACH Grant may be found at https://studentaid.gov/understand-aid/types/grants/teach.
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New York State Tuition Assistance Program (TAP)
Awards vary, based on New York State net taxable income. Students must be New York State residents for one year before beginning college and attend full time. Each year, students must file a separate TAP application, which is part of the electronic FAFSA. In order to receive TAP and/or HEOP, students must be registered full time and maintain at least the standards of academic progress noted in https://www2.naz.edu/tuition-aid/renewal-requirements/.
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Other New York State Awards*
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New York State Aid to Native Americans: Grant amounts vary; available to qualified Native American students. Eligibility criteria, information, and applications may be accessed at the New York State Education Dept, Native American Education Unit.
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Regents Awards for Children of Deceased or Disabled Veterans for students whose parent(s) have served in the U.S. Armed Forces during specified periods of war or national emergency and, as a result of service, either died, suffered a 40% or more disability, was classified as missing in action, or was a prisoner of war.
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Veterans Tuition Awards (VTA) for veterans who served in Vietnam, the Persian Gulf, or Afghanistan, or other eligible combat veterans who are attending on a full- or part-time basis.
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The Military Enhanced Recognition Incentive and Tribute (MERIT) Scholarship for children, spouses and educational dependents of members of the armed forces of the United States or state organized militia who, at any time on or after August, 2, 1990, while New York State residents, died or became severely and permanently disabled while engaged in hostilities or training for hostilities.
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NYS Memorial Scholarships for families of deceased firefighters, volunteer firefighters, police officers, peace officers, and emergency medical service workers who died from injuries sustained in the line of duty in service to NYS.
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NYS World Trade Center Memorial Scholarship for children, spouses, and financial dependents of deceased or severely and permanently disabled as a result of injuries sustained in the attacks or in the rescue and recovery efforts.
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The Math & Science Teaching Incentive Program is a competitive award program to increase the number of Math & Science teachers. Recipients must agree to teach math or science for five years at a secondary school (grades 7-12) located within New York State. This award is available to both undergraduate and graduate students attending on a full-time basis. Note: New York State does not allow students to accept this award in conjunction with the federal TEACH grant.
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New York State Scholarships for Excellence valued at $500 or $1,500 are awarded to the top honor students graduating each year from a high school in New York State. A FAFSA and TAP application must be filed to claim these scholarships which are renewable for a total of 8 full-time undergraduate semesters.
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NYS Child Welfare Worker Incentive Scholarship Program provides students who are employed at NY State-licensed child welfare agencies with scholarship awards to pursue their Bachelor’s degree which will enhance their ability to work as a child welfare worker. For more information please access: https://www.hesc.ny.gov/pay-for-college/financial-aid/types-of-financial-aid/nys-grants-scholarships-awards/nys-child-welfare-worker-incentive-scholarship-program.html
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NYS Science, Technology, Engineering and Mathematics (STEM) Incentive Program: Recipients must be matriculated in an approved undergraduate program which leads to a degree in Science, Technology, Engineering or Mathematics at a public or private college in NY State. Applicants must be high school seniors who are ranked in the top 10 percent of their high school graduating class at a NYS high school. Information on this program can be obtained at: https://www.hesc.ny.gov/pay-for-college/financial-aid/types-of-financial-aid/nys-grants-scholarships-awards/nys-science-technology-engineering-and-mathematics-stem-incentive-program.html
NOTE: Applications for NYS awards have varying deadlines that must be met. For additional information and award deadlines, please refer to the NYS website: https://www.hesc.ny.gov/
* Residents of the following states may apply for and receive their own specific state scholarships at a college in New York State: Connecticut, Rhode Island, and Vermont.
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Student Access & Achievement Programs (HEOP, Young Scholars)
Any student enrolled in a Student Access and Achievement Program (HEOP, Young Scholars), who fails to meet institutional, federal, and/or state satisfactory academic progress (SAP) requirements toward degree completion and/or is limited to part-time enrollment and who loses institutional, federal and/or state funding (e.g. Pell, SEOG, Direct Loans, NYS TAP, etc.) will not receive increased funding by the institution.
Students have the right to submit an appeal for federal and New York State funding based on extenuating circumstances. Their appeal will be reviewed by the appropriate appeals committee. Any student who is not granted an appeal by the committee will lose federal, and/or NY State aid and Nazareth University will not be responsible for providing institutional aid to supplement the costs of attendance.
All Nazareth University scholarships/grants require full-time enrollment. Waivers and appeals of this policy are not granted.
For complete institutional/federal/state renewal requirements please refer to: https://www2.naz.edu/tuition-aid/renewal-requirements/
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Federal Direct Loan Program (DL)
These federal student loans are available through the U.S. Department of Education for matriculated students enrolled for 6 credit hours or more each semester. First time borrowers must complete Entrance Counseling and a Master Promissory Note (MPN) at www.studentaid.gov. Students are notified annually of their loan eligibility through the University’s financial aid offer. Students receive a disbursement notice from the Financial Aid Office after a federal loan has been disbursed to their student account. Students are notified they can reduce any portion of a loan or decline the loan completely up to 30 days after they receive the disbursement notice.
| Annual Maximum Limit (Federal Direct Subsidized & Unsubsidized) |
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Dependent Student |
Independent Student |
| Year 1 |
$5,500 (No more than $3,500 of this amount may be in subsidized loans) |
$9,500 (No more than $3,500 of this amount may be in subsidized loans) |
| Year 2 |
$6,500 (No more than $4,500 of this amount may be in subsidized loans) |
$10,500 (No more than $4,500 of this amount may be in subsidized loans) |
| Years 3, 4, & 5 |
$7,500 (No more than $5,500 of this amount may be in subsidized loans) |
$12,500 (No more than $5,500 of this amount may be in subsidized loans) |
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| Aggregate Limits |
| |
Dependent Student |
Independent Student |
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Dependent Undergraduate
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$31,000 (No more than $23,000 of this amount may be in subsidized loans) |
n/a |
| Independent Undergraduate |
n/a |
$57,500 (No more than $23,000 of this amount may be in subsidized loans) |
| Graduate |
n/a |
$100,000 |
In certain situations, you can have your federal student loan forgiven, canceled, or discharged. For more information, please visit: https://studentaid.gov/manage-loans/forgiveness-cancellation.
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Additional Unsubsidized Federal Direct Loan
A dependent student whose parent has been denied a PLUS loan qualifies for an additional unsubsidized Federal Direct Loan. Total undergraduate borrowing eligibility under this program is $57,500, of which no more than $23,000 may be subsidized Federal Direct loans.
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Federal Direct Parent Loans (PLUS)
Federal Direct PLUS Loans are provided by the federal government to help parents of dependent undergraduate students finance their education. Parents may borrow up to $20,000 annually with a lifetime aggregate borrowing of $65,000 for each dependent undergraduate student. A current year FAFSA must be filed to be eligible for a PLUS loan. Please visit our website at https://www2.naz.edu/financial-aid-scholarships-tuition/grants-loans/federal-direct-plus-loans/ for the most current PLUS application process.
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Federal Campus-Based Programs
Nazareth University participates in the following federal on-campus programs: Federal Supplemental Educational Opportunity Grants (FSEOG) and Federal Work Study (FWS) Programs.
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Federal Supplemental Educational Opportunity Grants (FSEOG)
Federal SEOG grants may be offered to full-time students receiving maximum Pell Grants. Amounts vary based on the limited availability of funds.
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Federal Work Study Program
The Federal Work Study (FWS) program provides employment opportunities in various campus offices. Work-Study programs are offered to full-time students with financial need, based on the Free Application for Federal Student Aid (FAFSA). On average, students work 6-8 hours per week. Students are paid at an hourly rate and receive paychecks every two weeks for the hours worked. The FWS award is not credited on the student’s term bill.
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Nazareth Scholarship/Grant Requirements
All scholarships and grants require full-time enrollment. Nazareth merit scholarships are determined at the time of acceptance. Nazareth financial aid eligibility (including merit, need based funding, and federal funding) is reviewed annually based on the Satisfactory Academic Progress policy. Need-based grant renewal is reviewed annually based on demonstrated financial need as determined by the Free Application For Federal Student Aid (FAFSA). Students must complete a FAFSA and TAP application annually to determine federal and state financial aid award amounts.
Room Grants require residency in on-campus housing and program-based awards require continued enrollment in the academic programs for which the award was granted.
Military Policy
Military Service and Veteran Transfer Credits:
DANTES (DSST) - DSSTs are credit by examination tests designed to allow a student to demonstrate proficiency in an area of study normally taught at a college or university. These tests are frequently used in conjunction with CLEP. DSST standardized exams are considered on a case by case basis for transfer credit.
ACE - Transfer credit may also be awarded for courses recommended by the American Council on Education (ACE). ACE provides transcript evaluations for military training. Upon receiving an official military transcript, military training can be evaluated for possible credit towards one’s degree. This will be determined on a case by case basis. A service member can request their military transcript using the link: https://jst.doded.mil/jst/ (Army, Navy, Marine Corps, Coast Guard) or https://www.airuniversity.af.edu/Barnes/CCAF/Display/Article/803247/ (Air Force).
CLEP - Nazareth University participates in the College Level Examination Program (CLEP) of the College Entrance Examination Board. Students can earn credits by achieving satisfactory scores on the general and subject examinations. GI Bill® benefits can be used to cover CLEP exam costs. For English Composition credit, the English Composition with Essay exam is required. Credit may be earned for up to 12 hours in any department and/or a total of 30 hours. One may retake a CLEP exam 3 months following the previous testing date.
For more information on transferring credits please visit the Academic Advisement website.
Military Services and Veterans Financial Aid
Prospective Military Students and/or Dependents:
The following websites contain information on resources, aid options, default rates, graduation rates and provide comparative school costs so that prospective students can make informed decisions about where to attend school.
- The College Scorecard is a planning tool and resource to assist prospective students and their families as they evaluate options in selecting a school.
- The College Navigator is a consumer tool that provides school information to include tuition and fees, retention and graduation rates, use of financial aid, student loan default rates and features a cost calculator and school comparison tool.
- The College Financing Plan (formerly, Financial Aid Shopping Sheet) is a model aid award letter designed to simplify the information that prospective students receive about costs and financial aid so they can easily compare institutions and make informed decisions about where to attend school.
- Paying for College can be used by prospective students to enter the names of up to three schools and receive detailed financial information on each one and to enter actual financial aid award information.
- Our Financial Aid Office’s Tuition & Aid website details how to apply for all types of aid including Title IV.
Private Loans: Service members and non-service members alike may first want to contact financial aid before considering private loan aid so they have a clear understanding of all other available financial aid (State and Federal Title IV). Loans have to be repaid and private loans generally cost more in the long run and do not offer forgiveness options, etc.
The institution’s Cohort Default Rate/ Repayment Rate percent of student borrowers and comparison to national averages is available on the College Financing Plan after filing the FAFSA and on the Federal College Navigator website.
Military-Affiliated Student Tuition & Fee Deferral Policy
Nazareth University will allow military-affiliated students with Veteran Affairs (VA), Department of Defense (DoD), and/or New York State Military/Veteran tuition and/or fees educational benefits to attend a course of education for up to 90 days from the date the beneficiary provides one of the following:
- Certificate of Eligibility
- Statement of Benefits
- Approved DoD Tuition Assistance Voucher
- Listed on the NYS Recruitment Incentive & Retention Program (RIRP) Approved Roster
- Valid VA Form 28-1905.
- Other related approved military-affiliated educational benefit’s verification document
This allows a student to attend the course(s) until VA, DoD, and/or New York State provides payment to the institution. NOTE: Extension to 90-day deferral will be granted to students upon delay of payment beyond 90 days. In accordance with the Veterans Benefits and Transition Act of 2018 (38 USC 3679), Nazareth University will not impose a penalty (e.g., loss of access to NazNet, meal plan, late fee, etc…), additional cost (processing fees), or require the beneficiary to borrow additional funds to cover tuition and fees due to late payment from the VA, DoD, and/or New York State.
Return of Federal Tuition Assistance
Military Tuition Assistance (TA) is awarded to a student under the assumption that the student will attend school for the entire period for which the assistance is awarded. When a student withdraws, the student may no longer be eligible for the full amount of TA funds originally awarded.
To comply with Department of Defense policy Nazareth University will return any unearned TA funds on a prorated basis through the 60% portion for which the funds were provided. TA funds are earned proportionally during an enrollment period, with unearned funds returned based upon when a student stops attending. These funds are returned to the military service branch.
Return of Federal Military & Veteran Educational Benefits
When a serving service member, veteran, spouse, or other family member (dependent), using their well-earned federal military and veterans educational benefits is to withdraw from the college, their student aid will be prorated in accordance with section 2(f) of Executive Order 13607 (Principles of Excellence).
Executive Order 13607 (Principles of Excellence) Section 2(f): agree to an institutional refund policy that is aligned with the refund of unearned student aid rules applicable to Federal student aid provided through the Department of Education under Title IV of the Higher Education Act of 1965, as required under section 484B of that Act when students withdraw prior to course completion. For withdrawals due to military service obligations, please see Nazareth University’s Leave of Absence policy.
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Other Outside Awards
Students are encouraged to apply for outside grants and scholarships. ACCES-VR, AmeriCorps, Community Foundation and Bureau of Indian Affairs are examples of outside agencies which help qualified students.
All scholarships from sources outside the Nazareth University campus must be reported to the Financial Aid Office. Checks should be directed to the Financial Aid Office. Federal regulations require that all sources of assistance be taken into account in determining the fulfillment of demonstrated need for student aid. If the addition of this resource causes an over award, self-help is reduced first (federal work study and federal direct loans). In rare cases, Nazareth aid may need to be reduced.
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Verification
Verification is a federal review process required by the U.S. Department of Education. The U.S. Department of Education determines which student FAFSAs are selected for verification.
Students will be contacted via their Nazareth University email if they are selected for verification. The required information must be provided within 30 days of request in order to receive any federal financial aid. For returning students, financial aid offers will not be determined until verification requirements are satisfactorily completed.
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Enrollment Status Verification
Nazareth University participates in the National Student Clearinghouse (NSC) located in Herndon, Virginia. At least four times a semester (before classes begin; at the close of registration; after the last day to withdraw and receive a grade of W; and on the last class day of term) the University submits a computer file of students’ enrollment status to the Clearinghouse which, in turn, supplies verification of enrollment to all lending institutions and the National Student Loan Data System (NSLDS). All loan deferment forms are forwarded to the NSC. Nazareth University does not supply this information directly to lending institutions.
If a student has registered late and/or had a drop/add/withdrawal processed to the term registration, this information may not be reported to the Clearinghouse until the next submission. The Clearinghouse asks that if a student receives a collection letter, the student is to follow the procedures as outlined.
- Call the lending agency to see if a deferment form was received between the time the Clearinghouse supplied the information and the lending agency sent the collection letter.
- You may verify your enrollment status by accessing the Clearinghouse website: www.nslc.org. In the “Students” section, you may confirm your own status and verify that your lender is using the Clearinghouse to supply enrollment data.
- If an emergency exists, e.g. a student is being threatened with default, the Records Assistant (585-389-2803) may be able to intervene on the student’s behalf by faxing a verification of enrollment letter to the lending agency.
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Delinquency and Default
A loan is delinquent when loan payments are not received by the due dates. A loan remains delinquent until you make up the missed payment(s) or receive a deferment or forbearance that covers the period when you were delinquent. If you are having trouble making your monthly loan payments, you should contact your loan servicer to discuss options to keep the loan in good standing.
A loan is in default for failure to repay the loan according to the terms agreed to in the promissory note. For most federal student loans, you will default if you have not made a payment in more than 270 days. If you default on a federal student loan, you lose eligibility to receive federal student aid and you may experience serious legal consequences.
For more information on delinquency or default, please visit: https://studentaid.gov/manage-loans/default.
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Satisfactory Academic Progress
For complete institutional/federal/state renewal requirements please refer to:
https://www2.naz.edu/tuition-aid/renewal-requirements/
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Nazareth University Merit Scholarships
Nazareth University has a wide range of merit scholarships that are awarded at the time of acceptance to first time in college and transfer students. For first-time, full-time undergraduate students, merit scholarships are tuition-specific and based on cumulative weighted high school grade point average (GPA) at the time an admission decision is made. Merit scholarship levels are established annually. All scholarships require full-time attendance.
Nazareth University Scholarships may be used toward tuition charges only. When combined with other grants, scholarships, or benefits restricted to tuition charges (i.e. NYS TAP, Veteran’s/ROTC tuition benefits, Tuition Exchange, etc.), the combination may not exceed full tuition. In cases where the combined awards exceed tuition, the Nazareth University Scholarship/Grant will be reduced accordingly.
Nazareth University Additional Scholarships/Grants for Special Populations
These scholarships/grants are awarded IN ADDITION TO any Nazareth University merit-based scholarships listed above:
Art and Design, School of Music, Theatre and Dance, and Musical Theatre Scholarships
Departmental faculty approve awards to entering students in these majors based on competitive review of portfolio or audition. Students must continue in the major for which the scholarship was awarded. Renewable for eight consecutive, full time undergraduate semesters provided a 2.0 cumulative GPA is maintained.
Art and Design, School of Music, Theatre and Dance, and Musical Theatre NON-MAJOR Talent scholarships
Departmental faculty approve NON-MAJOR awards to entering students based on competitive review of portfolio or audition. Students must continue in the non-major activity for which the scholarship was awarded. Renewable for eight consecutive, full time undergraduate semesters provided a 2.0 cumulative GPA is maintained.
Campus Room Grant
Renewable for eight consecutive full-time undergraduate semesters provided the student resides in Nazareth on-campus housing. Resident assistants (RA’s) and students receiving Tuition Exchange, Tuition Remission, and Veteran’s Benefits are ineligible for the campus room grant.
Phi Theta Kappa Scholarship
Awarded to students transferring directly from a 2 year college program who are members of Phi Theta Kappa at the time they apply for admission to Nazareth University. A 3.0 cumulative GPA must be maintained. The Phi Theta Kappa award is contingent upon official verification of PTK membership, which must be received before June 30 to enroll in the fall term, or before October 31 to enroll in spring term.
You must apply for financial aid by completing the Free Application For Federal Student Aid (FAFSA) and demonstrate financial need to be considered for the following need-based grants:
Nazareth University Grants
In addition to merit scholarships and various federal and state grant programs, Nazareth commits significant funding to its own need-based grant program. Eligibility is determined at the time of acceptance and/or upon receipt of a valid FAFSA. Need-based grants are renewable based upon continued financial eligibility, as determined by filing a FAFSA each academic year, and maintaining minimum academic standards.
Many scholarships and grants offered by Nazareth University are supported in part by generous donations from alumni and friends of the University. If your financial aid award is funded by a donor, you will be notified and asked to provide some basic information (major, grad year, extracurriculars, etc.) and a thank you note that will be shared with your donor in recognition of their generosity. Your cooperation is expected and greatly appreciated.
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