Undergraduate Catalog 2018-2019 
    Jul 15, 2019  
Undergraduate Catalog 2018-2019

Financial Aid



Mount Saint Mary College’s Office of Financial Aid has now merged into Student Financial Services (SFS) along with the former Student Accounts Office.  We are located in Aquinas Hall, room 104. Our office provides assistance in helping students access funding in the form of scholarships, grants, loans, and part-time employment from a variety of sources including Federal, New York State, private and institutional.

No student will be barred from consideration due to race, gender, creed, age or disability. All U.S. citizens and eligible non-citizens will be considered for financial aid if they file a Free Application for Federal Student Aid (FAFSA). If you file your FAFSA late in the semester, please contact the SFS office as your aid package may have to be processed manually.  Students or returning students who are in default of a federal loan, owe a repayment on any federal funds, or have discharged a previous Federal student loan in bankruptcy, are ineligible for financial aid from any source until the default or repayment is resolved.

Financial Aid Application

Mount Saint Mary College requires all applicants for financial aid to complete the FAFSA.  Applicants should complete the form online at www.fafsa.ed.gov. When completing the application students must list Mount Saint Mary College, Newburgh, NY 12550, as a recipient.  Our Title IV school code number is 002778.

Please note: All applicants are considered for all aid available, depending upon need, including federal, state, and institutional funds on a first-come, first-served basis, once they are admitted to the college. First-year students are advised to file the required forms no later than February 15 of the year enrollment is anticipated. Returning students are encouraged to file the FAFSA or Renewal FAFSA no later than April 15. 

Verification - Policy and Procedural Statement

Federal verification guidelines require that applicants are selected for verification by the Central Processing System (CPS) or by the school. At MSMC, Federal verification is performed on all applicants selected by the CPS and any application that the College has reason to believe is incorrect or has conflicting documentation.

Under certain circumstances, a CPS selected application may be excluded from some or all of the Federal verification requirements due to the following unusual circumstances including:  death of the student, not an aid recipient, applicant is eligible to receive only unsubsidized student financial assistance. With the exception of the death of the student, however, none of these exemptions excuse the College from the requirement to resolve conflicting information.  Federal verification must typically be completed prior to the end of the academic year or before the student ceases enrollment, whichever occurs first. Students who fail to comply with verification requirements, including submitting documentation within required timelines, will not have Federal Title IV funds disbursed and may have Federal Title IV funds cancelled. MSMC considers the student to be the responsible party for providing information and completing the verification process.

To complete the verification process, acceptable documentation will include Student Verification Worksheet, IRS Tax Transcripts or IRS DRT, and W-2’s. To resolve discrepancies in reported information, students may be required to complete and submit additional information including IRS Tax Returns, schedules or other documentation.  Verification results that require changes to the applicant information and subsequent changes to the student’s financial aid package will be made prior to final disbursement of Federal funds.  For all students eligible for subsidized Title IV aid, the College will make appropriate changes to the student information electronically through the Department of Education’s CPS to ensure each student has a correct valid ISIR. The student will be notified of this adjustment through a revised financial aid award letter.

If the verification results do not justify aid already disbursed, the student is responsible for repaying all aid for which s/he is not eligible. Failure to meet the repayment obligation will result in the student being referred by MSMC to the U.S. Department of Education.  Verification results that reveal possible fraud or criminal misconduct in connection with the financial aid application or verification processes will result in the matter being referred by MSMC to the Office of the Inspector General of the U.S. Department of Education for investigation.

Federal Verification Selection Compliance

MSMC completes verification for all aid applicants selected for verification by the CPS. MSMC also has the option to select additional applicants for verification including those it has reason to believe are inaccurate or have conflicting information.


Questions regarding this policy or its intent should be directed to the Student Financial Aid Office at (845)-569-3700.  The Federal Tax Transcript can be ordered at www.irs.gov or by calling 1-800-908-9946.

Responsibilities of Students Who Receive Financial Aid

Since financial need is considered when the amount of a student’s award is determined, it is the responsibility of the applicant to report promptly to the Financial Aid Office any awards made available to him/her from sources other than the College. This includes scholarships, state incentives, veteran’s benefits, grants, etc. The financial aid “package” previously awarded will be reviewed and will require adjustments if the student’s financial need is exceeded.

Students must maintain Federal Financial Aid satisfactory academic progress or SAP, to continue to be eligible for Federal, State and MSMC funding. Financial Aid SAP is different from Mount Saint Mary College’s Academic Standards Policy. A complete explanation of Financial Aid SAP can be found on our website at http://www.msmc.edu/Student_Services/Financial_Aid.

We encourage you to check the website for the latest information.  Financial aid payments will not be made until the add-drop period is completed. At that time, and on a rolling basis thereafter, aid will be credited to student accounts. Refunds are disbursed to the student when financial aid exceeds the charges.

Institutional Awards

Scholarship Criteria

MSMC scholarships are awarded to first-time freshmen, are competitive, are limited in number and may be applied to undergraduate tuition only. Consideration for these awards is based on combined SAT or ACT scores and high school GPA. To be considered for one of these awards, a student must be accepted for full-time enrollment in the traditional undergraduate program at Mount Saint Mary College. Scholarships must be awarded prior to the first day of classes; no changes will be made to scholarships after this point. Students who are not filing a FAFSA must email finaid@msmc.edu to notify our office of this intention so that we can waive the FAFSA and apply your funds. Mount Saint Mary College does not award athletic grants of any kind.

MSMC Achievement, Dean’s, Founders, Distinguished Scholar scholarships and Presidential Scholarships

These scholarships are academic awards ranging from $3,500 to $16,000 per year.  Scholarships are renewable for three years provided the student remains a full-time student, has registered for a minimum of 12 traditional credits each semester, maintains a 2.0 cumulative Grade Point Average; and remains in good social standing. GPA will be checked for the 2.0 threshold after four academic semesters as well as the end of each spring semester thereafter.

Transfer Honors Scholarships

Mount Saint Mary College will award half-tuition transfer honors scholarships each academic year to a minimum of one graduate from each of the following community colleges: Dutchess County Community College, Orange County Community College, Rockland County Community College, Ulster County Community College, and Westchester County Community College.  These scholarships will be awarded for a maximum of four semesters.

MSMC Need-Based Grants

MSMC Grants are awarded on a competitive basis and may reflect academic excellence, as well as demonstrated financial need. The level of grant assistance depends on the quality of the student’s academic record, the amount of financial need, the availability of funds, and full-time traditional enrollment. Amounts vary by need, and may be renewed so long as the student continues to demonstrate financial need and remains in good academic standing. The MSMC Grant requires a 2.0 GPA and FAFSA filing for renewal.

Donor Scholarships

Mount Saint Mary College offers a number of private scholarships each year. Recipients are generally selected on the basis of academic achievement, major, financial need, and/or place of residence. A listing of endowed scholarships may be found on our website.  In order for a student to be considered for a donor scholarship that has a financial need component, you must have a valid FAFSA on file.

New York State Programs

The programs listed below are administered by the New York Higher Education Services Corporation (HESC):

Tuition Assistance Program (TAP)

Students who are New York state residents and graduates of high schools in New York State may apply for TAP by completing the State’s TAP Application. This application will automatically be sent to students who have filed the Free Application for Federal Student Aid. MSMC’s code should be listed as 2110 on the TAP Application. HESC determines each applicant’s eligibility and mails an award certificate directly to the applicant indicating the amount of this grant. On your Free Application for Federal Student Aid (FAFSA) you are asked to list the schools you plan to attend. The FAFSA, in turn, is the source of the school code for the TAP application. When you complete the online TAP application, the first New York school you listed on the FAFSA will appear online. If the school is not correct, you must change it when completing the TAP on the Web application.

The TAP program was established by the New York State Legislature and is an entitlement program which means that if an applicant meets the criteria, he/she will receive an award at an approved institution within New York State. The minimum award has been as low as $100 per year and the maximum amount of this award at a private institution has been as high as $5,000 but depends upon the appropriation in the New York state budget approved by the legislature.  Effective 2010-11 for non-remedial students receiving first NYS award payment in 2010-11 and thereafter. Remedial students and students enrolled in an approved certificate program will use the 2006 SAP charts.

After four semesters of payments, the award is reduced by $100. Students are limited to four years of eligibility and must be matriculated as a full-time student in an approved postsecondary program. Students enrolled in approved five-year programs, or in a state-sponsored opportunity program, or who are disabled may receive five years of awards for undergraduate study.

Although the Financial Aid Office provides an estimate of eligibility, all income data are subject to verification by the New York State Department of Taxation and Finance and HESC. Awards may be changed by the state based upon the result of this process. Actual payment of TAP arrives later in the semester after the College certifies student eligibility.

If a student repeats a course in which a passing grade has already been received, the course cannot be included as part of the student’s minimum full-time or part-time course load for financial aid purposes. When such courses are included in meeting the minimum requirement, they render the student ineligible for TAP. In the following instances, repeated courses may count toward full-time or part-time study:

1. When a failed course is repeated;

2. When a grade received is passing at MSMC but not acceptable in a particular curriculum;

3. When a course is repeated and credit earned each time.

Higher Education Opportunity Program (HEOP)

The principal mission of HEOP at Mount Saint Mary College is to provide educational opportunity and support to traditionally underserved students. These students have strong academic and personal potential, but would otherwise be excluded from higher education due to circumstances of academic and economic disadvantage. MSMC HEOP emphasizes academic achievement, leadership, development, and service. Students must meet the income eligibility guidelines established by the Board of Regents and are admitted without regard to age, gender, creed, sexual orientation, race, or disability.

To be determined eligible for HEOP, applicants must apply and provide the appropriate documents to the HEOP Office at the Mount. Please note that requirements for HEOP are slightly different than the traditional requirements of MSMC (please visit our website for details). In addition, the HEOP admission deadline is typically earlier than the traditional admission deadline at MSMC. Once selected and admitted, HEOP participants may continue in the program until degree completion; (maximum of 10 academic semesters) with awards available for various periods depending on the duration of their academic program.

All HEOP students must file the FAFSA to be considered for aid from HEOP as well as from other state and federally funded programs. The amount of financial aid and other support provided depends upon a student’s financial need. Recipients must meet requirements for academic progress determined by the College. Each recipient must also apply for TAP and follow through with the appropriate paperwork each year in order for funds to be disbursed. TAP is limited to five years of eligibility for HEOP students. All students must achieve a 2.0 Grade Point Average by the end of their sophomore year to continue to receive TAP awards. Please visit the MSMC HEOP website for more details.

Aid for Part-Time Study (APTS)

New York State residents who are enrolled for at least 6 credits but fewer than 12 credits each semester may apply for this state, campus-based grant program through the Financial Aid Office.  The maximum award is $2,000 per academic year. The number and amount of each award is determined by each college, based upon its annual allocation which varies. To retain the award, a student must maintain satisfactory academic progress in addition to filing an application each year and meeting the eligibility criteria. Applications are available in the Financial Aid Office and must be returned along with copies of parent and student New York state tax returns.

Vocational and Educational Services for Individuals with Disabilities

Persons with disabilities may obtain a list of local VESID Offices from :  New York State Education Department, Albany, NY  12234.

VESID policy has established a maximum payment toward tuition and room and board for a client in any one academic year.

Other Programs

Regents Professional Opportunity Scholarship - The NYS Regents Professional Opportunity Scholarships are awarded to eligible students. Grants range from $1,000 to $5,000 per year.

Selection is based on the following priorities:

  • Those who are economically disadvantaged and who are members of a minority group that is historically underrepresented in the chosen profession.
  • Those who are members of a minority group historically underrepresented in the chosen profession.
  • Those enrolled in or graduated from the following opportunity programs: SEEK, College Discovery, EOP, or HEOP. 

Service after graduation is required.

World Trade Center Memorial Scholarship:  The NYS World Trade Center Memorial Scholarship program guarantees access to a college education to the families and financial dependents of the victims who died or were severely and permanently disabled in the Sept. 11, 2001 terrorist attacks and the resulting rescue and recovery efforts.   Please also see Families of Freedom at http://www.familiesoffreedom.org (Families of Freedom is not a NYS scholarship program).

Memorial Scholarship: The NYS Memorial Scholarship provides financial aid grant assistance to children, spouses and financial dependents of deceased firefighters, volunteer firefighters, police officers, peace officers, and emergency medical service workers who have died as the result of injuries sustained in the line of duty in service to the State of New York.

Military Service Recognition Scholarship: The Military Service Recognition Scholarship (MSRS) provides financial aid to children, spouses and financial dependents of members of the armed forces of the United States or state organized militia who, at any time on or after Aug. 2, 1990, while New York State residents, died or became severely and permanently disabled while engaged in hostilities or training for hostilities.

NYS Scholarships for Academic Excellence: Awarded to NYS residents from registered NYS high schools. Awards are based on test scores on certain Regents exams. Please see your local high school guidance office for more information.

NYS Math & Science Teaching Incentive Scholarships:  Awarded to students who are pursuing a career as secondary math and science teachers. There is a service commitment of five years fulltime employment associated with this scholarship.

Senator Patricia K. McGee Nursing Faculty Scholarship:  Awarded to students who are registered professional nurses and are enrolled in a graduate nursing program. There is a service commitment to teach at least 12 credit hours as nursing faculty or as adjunct clinical faculty for four years after graduation.

Student Aid to Native Americans:  Awards for full-time study in an approved program leading to a degree. Contact the Native American Education Unit, New York State Education Department, Room 471 EBA, Albany, NY 12234.

Federal Programs

To be considered for all the following federal programs, which were established by Congress and are governed by federal rules and regulations, students must complete and file the FAFSA discussed at the beginning of this section. Students will receive a Student Aid Report as a result which will indicate an EFC (Estimated Family Contribution). This number is used in determining financial need for federal programs. Students must maintain satisfactory academic progress and complete the appropriate forms each year for awards to be renewed.

Federal Pell Grant

A Federal grant awarded to students with significant financial need, as measured by a congressionally established needs-analysis formula that measures a family’s ability to pay for educational expenses. In 2013-2014: Congress passed legislation which places limits on the number of semesters a student can receive Federal Pell Awards. This limit is 12 semesters.  If a student is close to or at their lifetime Pell limit, our office will notify the student via email.  Students will also be notified by the U.S. Department of Education when they file their FAFSA that they are at or close to their lifetime limit.

Federal Supplemental Educational Opportunity Grants (SEOG)

SEOG is a Federal grant which is awarded by the institution to students with exceptional financial need, with Federal Pell Grant recipients given first priority. Students who complete the FAFSA and have exceptional financial need are automatically considered for this grant. The number of awards are based on funding.

Teacher Education Assistance for College and Higher Education (TEACH Grant program):

The Federal TEACH grant program provides grant funds to students who are completing or plan to complete coursework toward a career in teaching. You must agree to serve for at least 4 out of 8 years after graduation in a high-need field, and work in certain school districts. For more information, please see the following website: http://studentaid.ed.gov


Federal Work Study Program (FWS)

This program provides employment opportunities on and off campus to students who demonstrate financial need. In the event that more students are eligible for FWS than there are funds available, preference is given to students who have exceptional financial need. The Financial Aid Office is responsible for selecting recipients and determining award amounts. Jobs are not guaranteed. Students are responsible for obtaining their own jobs by convincing supervisors that they possess the skills required to complete the work. Renewal depends upon continued financial need as well as a positive evaluation of the student’s performance on the job.

Federal Direct Student Loans

The Federal Direct Student loan programs are legislatively established and the subsidized loan program is a need-based loan. Subsidized and unsubsidized loans are available to students enrolled at least half-time in a degree program.

Federal Direct Parent Loans for Undergraduate Students (PLUS)

A borrower must be the parent of a financially dependent undergraduate. Parents may apply for the cost of attendance at the College less any financial aid for which the student may be eligible. 

Bureau of Indian Affairs Aid to Native Americans

The U.S. Department of the Interior administers the Higher Education Assistance Program and the Adult Vocational Training Program available to various tribes for post-secondary education and training. Application forms may be obtained from and submitted to the Bureau of Indian Affairs, Federal Building, Room 523, 100 South Clinton Street, Syracuse, NY 13260. An application is necessary for each year of study. Deadlines for the fall and spring semesters are July 1 and October 15 respectively. Applicants must demonstrate financial need and must file a FAFSA indicating Mount Saint Mary College as a recipient. Depending upon availability of funds, grants may also be made to graduate students and summer session students.

Reserve Officer Training Programs (ROTC)

The U.S. Reserve Officer Training Corps (ROTC) Programs include the Army ROTC Program, the Navy/Marine Corps (NROTC) Programs, and the Air Force (AFROTC) Programs. These programs are offered at host colleges throughout the nation, including many colleges located in New York State. Each of the three programs has separate application procedures, eligibility requirements, award schedules and service obligations. All the programs offer financial assistance to undergraduates, with some assistance for study beyond the baccalaureate degree. Additional information about the individual programs and a list of the colleges hosting them can be obtained from each service’s recruiting station.

Veterans Resources

Mount Saint Mary College is proud to welcome veteran students and their family members who receive both veteran and military education benefits. We are committed to providing the best possible education experience and service to all that attend Mount Saint Mary College.

For detailed information on all veterans’ benefits and assistance please visit the U.S. Department of Veteran Affairs website, at www.va.gov, and navigate to the Veterans Services and GI Bill link. This website provides a wealth of information about the different chapters of veteran education benefits, as well as; how to apply for benefits, how to transfer your entitlement and the e-benefits website.

Mount Saint Mary College services student’s using many different chapters of educational benefits such as:  Post 9/11 (chapter 33),  and the Yellow Ribbon program, Montgomery GI Bill (chapter 30), Survivors & Dependent Educational Assistance (chapter 35), Vocational Rehabilitation (chapter 31), Reservists/National Guard (chapter 1606) and Tuition Assistance (TA).

New York State also offers the Veterans Tuition Award (VTA) to those veterans who qualify for this grant for either full-time or part-time study. For more information please see www.hesc.ny.gov.

For more information on Veterans’ Resources at Mount Saint Mary College please contact the Registrar’s Office at 845-569-3316.