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Student Financial Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid office at SJCL will determine your eligibility based on your submission of the Federal FAFSA and SJCL Financial Aid Application.

To receive aid from the federal programs, you must

  • Demonstrate financial need for Federal Work Study only.
  • Be enrolled or accepted for enrollment as a regular student working toward the JLD degree. Students who do not have a bachelor’s degree will need to contact the financial aid office to assess their eligibility for federal loans.
  • Be a U.S. citizen or eligible non-citizen. If you have a question about your citizenship status, contact the financial aid office at SJCL at 559-323-2100 x1482, or email This email address is being protected from spambots. You need JavaScript enabled to view it..
  • Have a valid Social Security Number.
  • Register with the Selective Service if required. You can use the paper or electronic FAFSA to register, you can register at http://www.sss.gov/, or you can call 1-847-688-6888. (TTY users can call 1-847-688-2567.)
  • Maintain satisfactory academic progress once in school.
  • Certify that you are not in default on a federal student loan and do not owe money on a federal student grant.
  • Certify that you will use federal student aid only for educational purposes.

The Higher Education Act of 1965 as amended (HEA) suspends aid eligibility for students who have been convicted under federal or state law of the sale or possession of drugs, if the offense occurred during a period of enrollment for which the student was receiving federal student aid (grants, loans, and/or work-study). If you have a conviction(s) for these offenses, call the Federal Student Aid Information Center at 800-4-FED-AID (800-433-3243) or go to the FAFSA on the WebSM site, click on "Before Beginning A FAFSA" in the left column, then click on "Student Aid Eligibility Worksheet" to find out how this law applies to you.

If you have lost federal student aid eligibility due to a drug conviction, you can regain eligibility if you pass two unannounced drug tests conducted by a drug rehabilitation program that complies with criteria established by the U.S. Department of Education.

How will I know what I'm eligible for?

The information you reported on your FAFSA is used to determine your Expected Family Contribution (EFC), which is calculated by a formula established by law. The EFC is not the amount of money that your family must provide. Rather, you should think of the EFC as an index that we use to determine how much financial aid you would receive if you were to attend SJCL. You can get worksheets that show how the EFC is calculated by downloading them from the federal website at http://studentaid.ed.gov/pubs. Click on the award year appropriate to you under "EFC Formula."

Federal Work Study

亚洲免费无码中文在线&free欧美高清猪马牛&青青草手机在线免费看For Federal Work Study, the financial aid office at SJCL takes your cost of attendance and then subtracts your EFC and any need based aid you will get from other sources. The result is your remaining financial need:

Cost of Attendance
- Expected Family Contribution
- Aid From Other Sources


亚洲免费无码中文在线&free欧美高清猪马牛&青青草手机在线免费看= Remaining Financial Need

 

Unsubsidized Direct Loans and Graduate PLUS Loans

For non-need based aid (i.e. unsubsidized Direct Loans and Graduate PLUS Loans) your eligibility will be the cost of attendance minus any other financial aid. You must first apply for an Unsubsidized Direct Loan which is capped at $20,500 per year. Any remaining non-need based eligibility can then be requested in a Graduate PLUS Loan, up to the total cost of Attendance.

Cost of Attendance
- Federal Work Study (If eligible and interested)
- Aid From Other Sources
- Unsubsidized Loan Max


= Remaining Eligibility for Grad PLUS

If you're attending at least half time, your cost of attendance is the sum of:

  • SJCL average tuition and fees for a student in your category
  • The cost of living expenses
  • The cost of books, supplies, transportation, loan fees, and miscellaneous expenses

2019-2020 Cost of Attendance Budgets

Estimated Budget for 4 Year Division, 1st Year Law Student/9 months (20 units)

  Away from Parent's Home At Parent's Home (No Dependents)
Tuition and Fees $20,020 $20,020
Loan Fees $220 $220
Room and Board $15,084 $6,786
Books and Supplies (est) $1,800 $1,800
Transportation $1,278 $1,134
Misc. Expenses $3,996 $3,564
Total Budget $42,398 $33,524

 

Estimated Budget for 4 Year Division, 2nd, 3rd, or 4th Year Law Student Living Away from Parents Home (22 units)

  9 Months 12 Months
Tuition and Fees $21,970 $22,195
Loan Fees $220 $220
Room and Board $15,084 $20,112
Books and Supplies (est) $1,800 $1,800
Transportation $1,278 $1,704
Misc. Expenses $3,996 $5,328
Total Budget $44,348 $51,359

 

亚洲免费无码中文在线&free欧美高清猪马牛&青青草手机在线免费看Estimated Budget for 5 Year Division, Law Student Living Away from Parents Home (17 units)

  9 Months 12 Months
Tuition and Fees $17,095 $17,320
Loan Fees $220 $220
Room and Board $15,084 $20,112
Books and Supplies (est) $1,800 $1,800
Transportation $1,278 $1,704
Misc. Expenses $3,996 $5,328
Total Budget $39,473 $46,484

 

亚洲免费无码中文在线&free欧美高清猪马牛&青青草手机在线免费看Budgets must be adjusted to the length of your academic year, i.e., 9-month budget is for Fall and Spring semesters and 12-month is for Summer, Fall, and Spring. Whether you live with your parents or on your own is also taken into consideration.

SJCL’s Director of Financial Aid can consider special or unusual circumstances such as unusual medical expenses, transportation expenses, or unemployment and can adjust your cost of attendance or some of the information used to calculate your EFC. Other costs, such as dependent care or computer purchase may be added on a case-by-case basis, as needed. You'll have to provide the financial aid office with documentation to justify any changes. Download form to request an increase by clicking here (pdf)

What federal student loan borrowers need to know

  • You need to keep accurate records of your federal student loans.
  • Keep your copy of the signed Master Promissory Note.
  • Open, read and maintain any loan information you receive from your school or loan holder.
  • Don’t ignore your loan payments.
  • When having difficulty making your scheduled payments, contact your loan holder to discuss repayment options.

Your rights and responsibilities as a borrower

  • You must use your federal student loan for educational expenses only.
  • Your loan holder must give you details about your federal student loan before its disbursed and again when it’s time to start paying your federal student loan.
  • You must tell your loan holder any time you drop below half-time enrollment or change schools.
  • You must tell your loan holder if you change your name, address, phone number, social security number, references or driver’s license number.
  • Before you leave school, you need to tell your loan holder your permanent address, the name and address of your expected employer (if known), and the address of your nearest relative.
  • You must repay your federal student loan, plus interest, even if you did not finish your program, did not finish your program in the regular time allotted for program completion, you are unable to get a job after you finish, or if you are unhappy with or do not get the education or other services you purchased from the school.
  • Your loan holder may sell your federal student loan or use a servicer to manage your account. If the federal student loan is sold and the address where you send payments changes, you’ll be notified of the name, address and phone number of the new loan holder.
  • You are entitled to a deferment or forbearance of your federal student loan payments in certain situations. Contact your loan holder for the details.
  • You may prepay your federal student loan at any time without penalty.