Admissions

Tuition

The cost of a college education can be a key factor in choosing which school to attend.  Holy Apostles provides quality education at a price that is affordable for all of our students.  

For a complete breakdown of tuition rates, please refer to this tuition guide.

Federal Financial Aid

Direct Loans are the primary loans available and offered.  The lender is the federal government.

Students enrolled in undergraduate programs may be eligible for:

• Federal Pell Grants                        (Gift and Need Based)
• Federal Direct Subsidized Loans     (Need Based)             3.4%*
• Federal Direct Unsubsidized Loans  (Non-Need Based)      6.8%**
• Federal Direct Parent PLUS Loan    (Non-Need Based)      7.9%

*Interest starts to accrue at time of repayment.

**Interest starts to accrue at disbursement.

Graduate students are eligible to apply for:

• Federal Unsubsidized Loans only and if applicable            6.8%
• Federal Direct Graduate PLUS Loan                                7.9%

If you are awarded a Direct Subsidized loan, based on need, the interest is paid by the government while you are at least a half time student in a matriculating program of study.

If you are awarded a Direct Unsubsidized Loan (non-need based), you pay all the interest, although you can have the payments deferred until after graduation. However, the deferred interest is added to the principal which makes the loan more expensive over time.  You are strongly encouraged to elect to pay the interest if at all possible.  

Maximum Annual Loan Limits

*Dependent Students whose parents are denied a PLUS Loan are eligible for Independent Loan Limits

Important Notes on federal changes effective after July 1, 2012: 

• The interest rate of 3.4% for subsidized loans for undergraduate students has been extended for the 2012-2013 academic year.
• Subsidized loans will no longer be available for graduate students for the 2012-2013 academic year. However, loan limits remain the same.
• The up-front rebate on Direct Loans at the time of their disbursement will no longer be offered. The Origination fee remains at 1.0% for subsidized/unsubsidized loans at disbursement.
• The interest on Subsidized Direct Loans will no longer be deferred during the grace period.

Applying for Financial Aid

All students wishing to be considered for Federal Student Loans must fill out the federal application (FAFSA) (SCHOOL CODE 00138900) and the school's application as follows.  Those parents interested in a Federal Parent PLUS Loan should access the Information Sheet and Request Form here.

1. Free Application for Federal Student Aid (FAFSA) available online at the Federal Financial Aid Webpage
2. HAC Financial Aid Application (2013)
3. Parent PLUS Loan Information Sheets
4. Parent PLUS Loan Request Form

The IRS DATA RETRIEVAL TOOL

This preferred method offers FAFSA applicants, and parents of dependent applicants, the option to transfer tax return information from an IRS website directly into their FAFSA.  As long as this information remains unchanged after submission, federal verification is generally not required and HACS strongly encourages its' use. 

Signed copies of tax returns will no longer be acceptable documentation for verification.  An applicant who has not used the IRS Data Retrieval Tool to complete their FAFSA, or who has made changes to their FAFSA after its' use, will be required to obtain a Tax Transcript directly from the IRS.  Thus the IRS is the primary source of documentation per federal regulations that go into effect July 1, 2012.

Students are strongly encouraged to complete their FAFSA at least 60 days before the start of coursework.

When all forms and related documents have been received by the Holy Apostles Financial Aid Department, the information will be reviewed and the student will be notified of the decision via an award letter after registering. However, it is recommended that students contact the Financial Aid Office prior to the start of term.  

All financial aid is based on need with the exception of the Federal Unsubsidized Stafford Loan and the Federal Parent PLUS/Grad PLUS.  Mandatory Entrance Loan Counseling and signing of the electronic Master Promissory Note can be accomplished electronically at www.studentloans.gov.  The student's federnal PIN # must be used. This information and more is contained within the Award Enclosure which is mailed with the student's Award Offer. 

Private Loans (aka Alternative Loans)

These are loans that are offered by private lenders and banks to assist students in bridging the gap between college costs and traditional financial aid resources, including the Parent PLUS loan. These are not loans that are federally guaranteed.

In general, a student must have an approved credit history. Other important factors that are considered are debt load and income. A co-signer may also be required.

Terms and conditions are set by each lender and the interest rates are variable with a specified cap as opposed to federal student loans that have a lower fixed interest rate.

Private loans are available up to the cost of attendance minus all other financial aid assistance.

As HAC’s cost of attendance is considerably lower than all other private institutions, in part because we are a commuter school, we do not offer a list of preferred lenders. Although Holy Apostles College has no affiliation with any private lenders, we will consider certifying a loan from any lender that a borrower should choose to work with on a case by case basis.  For information on the PLUS loan and all types of Direct loans go to www.direct.ed.gov/parent.html.

State Financial Aid Programs for Undergraduates

​CT Capitol Grant                                  (Need-Based)

​DC, MA, ME, NH, PA, RI, VT Grants  (Need-Based)

All state grants require students to complete the Free Application for Federal Student Aid.Students should check with their state’s department of education for additional application requirements.

CT: http://www.ctohe.org/

DC: http://www.dccap.org/financial/dc_programs.shtml

MA: http://www.osfa.mass.edu/

ME: http://www.maine.gov/education/highered/FinancialAid/FinancialAid.htm

NH: http://www.nh.gov/postsecondary/financial/index.html

PA: http://www.pheaa.org/

RI: http://www.riheaa.org

VT: http://services.vsac.org/wps/wcm/connect/vsac/VSAC

Satisfactory Academic Regulations

To be eligible for financial aid, students must comply with all the Federal Financial Aid Academic Regulations noted elsewhere on this website and detailed in our online catalog.

Contact Information

For additional information regarding financial aid at Holy Apostles, students and parents may visit the Financial Aid Office or contact us by email or telephone: