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
Current interest rates available HERE.
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.
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)
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.
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:
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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.
Reading Time: 2 minutes At The Hartford, a company with 200 years of expertise in property and casualty insurance, group benefits and mutual funds offering a Freshman Experience Program makes sense for everyone involved. If you ask most first-year college students, typically about 18 years old if they want a career in property insurance they might need some help
Reading Time: 1 minute The University continues to monitor the guidance from federal, state, and local officials regarding the COVID-19 outbreak. Aligned with our priority of meeting students’ educational needs while keeping faculty, students and staff safe, please note that as of Monday, March 23, 2020, all instruction offered by the University of Saint Joseph – including labs and
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Reading Time: 2 minutes When USJ students get selected for a very competitive scholarship, you know there are going to be cheers heard around campus. Our entire community is grateful to the CVS Health Foundation for granting the University a $4,000 scholarship to distribute to deserving Family Nurse Practitioner (FNP) students. The excitement and gratitude was led by faculty
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