Pharmacy Financial Aid
Doctor of Pharmacy Student Financial Services
Student Financial Services helps Doctor of Pharmacy students identify sources of financial assistance to help meet the cost of the Pharmacy program.
Pharmacy Financial Aid OPTIONS
Federal Direct Loans are the principal source of financial aid available for doctoral students in the Pharmacy program. You must complete a FAFSA (Free Application for Federal Student Aid) at studentaid.gov every year to be reviewed for federal loan eligibility. University of Saint Joseph School Code: 001409
FEDERAL LOAN PROGRAMS
- Federal Direct Unsubsidized Loan
- $16,500 maximum eligibility per semester
- Complete a FAFSA to apply
- Federal Graduate PLUS Loan
Current interest rates available HERE.
ALTERNATIVE LOAN PROGRAMS
Students interested in alternate financing may apply for an Alternative Education Loan from a private lender. Eligibility for private education loans depends on the borrower’s credit score and typically requires a credit worthy co-signer to receive a favorable interest rate. For more detailed information on alternative loans, including a list of historical lender, see our Alternative Loans page.
COVERING LIVING COSTS
Students can borrow in excess of their charges to assist with educationally related expenses, such as living costs. In order to determine the total amount of aid allowed per semester, including both federal and private loans, a cost of attendance is created. This cost of attendance includes direct charges to your bill (tuition & fees), as well as estimated indirect/personal expenses that a student may incur. Students may not borrow in excess of the approved cost of attendance. Each year the cost of attendance is adjusted to reflect changes in costs and expenses. Contact Student Financial Services for more information on your personalized cost of attendance.
Borrow only what you need to cover your costs. Your federal graduate debt limit includes loans for undergraduate study. Federal Direct Student Loan Lifetime limits – Graduate/Professional $224,000 (maximum $65,500 subsidized)
EXTERNAL GRANT AND SCHOLARSHIP OPPORTUNITIES
We strongly encourage all Doctor of Pharmacy students to seek out external sources of funding, including external grants and scholarships, as these help to limit reliance on borrowing loans. Students are required to report outside scholarships to the Student Financial Services Office, as they affect a student's financial aid package.
The list below is not inclusive; it includes suggestions on where to begin your research. USJ has no control over the websites listed, and these sites may change at any time. Please read each website’s privacy and information sharing policy before providing any personal information.
- Veterans Benefits
- National Community Pharmacists Association (NCPA)
- Connecticut Pharmacists Association (CPA)
- American Foundation for Pharmaceutical Education Scholarships and Fellowships
SCHOLARSHIP SEARCH SITES
BEWARE OF SCAMS!
Scammers are taking advantage of students looking for money to assist in paying for the cost of education. Don't be fooled! Here are some tips and resources to avoid falling prey to these financial aid and scholarship scams:
- Watch out for companies that promise to save you thousands of dollars in tuition by assisting you with your financial aid forms.
- Never pay for scholarship information.
- Don't be fooled by a company that asks you for money to "hold" a scholarship.
- Learn more about protecting yourself from scholarship scams from the Federal Trade Commission (FTC) Scholarship Scams and FinAid.org Scholarship Scams.
Monday – Friday
8:30 a.m. – 5 p.m.
Wednesday (Extended Hours)
8:30 a.m. - 6 p.m.
Special arrangements can be made for appointments outside of the regular hours.
Frequently Asked Questions
Yes. Financial aid is processed one academic year at a time. You must complete a FAFSA every year you intend to borrow federal loans, and reapply for any private loans on an annual basis. However, you are only required to complete a federal Master Promissory Note and Entrance Loan Counseling once; they will remain valid throughout the program.