Understanding Financial Aid
At 利记sbo, we want to see you realize your educational goals. That's why we encourage all Utica students to apply for financial aid.
Quality you can afford.
More than 95% of 利记sbo students receive a form of financial aid through the institution. 更重要的是, 奖学金, 奖助金, 贷款, and part-time student employment reduce the out-of-pocket costs for most of the families we serve, often by more than half the cost of tuition. So a quality, private education at Utica is more affordable than you think.
Affordability Fast Facts:
- In 2016, Utica reduced its tuition price by 42%
- Utica offers more than 300 奖学金 and awards
- 95% of Utica students receive financial aid from the University
- Typical aid package reduces tuition cost by 50% 或更多的
Aid Options include:
University 奖学金 are awarded to full-time freshmen upon admission to Utica on the basis of academic achievement.
捐赠奖学金 have been established by alumni, friends of 利记sbo, and organizations for the purpose of permanently providing support to deserving and/or outstanding students.
Grants and prizes are awarded to deserving students on an annual basis. A full list of 奖助金 and awards are available below.
Requiring re-payment, including low-interest federal 贷款, several options exist for 利记sbo students to borrow funds needed to cover higher education expenses such as tuition, 食宿, 书, 和更多的. When you apply for financial aid at Utica, 贷款 may make up part of your financial aid offer.
For complete information about federal student 贷款, visit the 联邦学生资助 web site.
Additional Loan Options
家长(PLUS)贷款
A 家长(PLUS)贷款 is a federal loan that is available to parents of dependent, undergraduate students. The PLUS loan is taken out for both the Fall and Spring semester and is in the parent’s name.
If you would like to apply for a Parent PLUS Loan, please visit www.studentaid.政府 to complete an application. 请注意, only one application may be submitted and changes cannot be made to an application after its submission. If you would like to make changes to the 家长(PLUS)贷款, please contact your Student Financial Services Counselor.
A credit check is required for a Parent (PLUS) loan. You will receive notification of approval shortly after you submit the application. If the 家长(PLUS)贷款 is not approved, the parent can
- appeal the decision with the Direct Loan Program Center, or
- obtain a creditworthy endorser (by completing an addendum online at www.studentaid.政府, or
- the student can choose to take out an additional Federal Unsubsidized Loan up to $ 4,000 for the academic year.
毕业生(PLUS)贷款
A 毕业生(PLUS)贷款 is a federal loan that is available to graduate students. The 毕业生(PLUS)贷款 is taken out for the entire academic year (Summer/Fall/Spring, if applicable).
If you would like to apply for a 毕业生(PLUS)贷款, please visit www.studentaid.政府 to complete an application. 请注意, only one application may be submitted and changes cannot be made to an application after its submission. If you would like to make changes to the 毕业生(PLUS)贷款, please contact your Student Financial Services Counselor.
A credit check is required for a Grad (PLUS) loan. You will receive notification of approval shortly after you submit the application. If the 毕业生(PLUS)贷款 is not approved, you have the option to appeal this decision with the Direct Loan Program Center or obtain a credit worthy endorser. If you chose the endorser option, they will need to complete an addendum online at www.studentaid.政府.
Private/Alternative Education Loan
An Alternative Education Loan is an education loan in the student’s name. It is not a guaranteed federal loan and must go through an approval process that usually requires a creditworthy co-signer. We encourage you to research various private 贷款. New York State provides a useful private loan comparison tool at www.尤蒂卡.edu/loan-compare.
Once you have decided on a loan product you should apply directly through the lender. Borrowers will be required to submit several time-sensitive disclosures back to lenders as part of the loan process. It is important to carefully read all of the communication sent to you electronically or by mail from Utica College and your alternative loan lender. 比如(PLUS)贷款, the Private/Alternative Education Loan is taken out for the Fall and Spring semesters.
An Income Share Agreement, 或ISA, provides an alternative funding option to supplement student's financial aid and federal 贷款. ISAs provide funding for certified tuition and fees in exchange for a student's promise to pay a fixed percentage of his or her future income for 5 years following graduation.
步资金 provides ISA funding options to students enrolled in eligible programs at Utica. With an ISA from 步资金, you do not need a cosigner or current income, as they look at where you’re going (未来的收入), not where you’ve been. +, all Stride students automatically become a member of the Stride 社区, giving you access to career support (e.g., monthly content, exam prep, interview guidance) and a broader community of peers who can support you as you begin your professional journey.
If interested in learning more and getting a quote, you can visit them at:
合格标准
- Within 2 years of graduation
- Bachelor’s or Master’s candidate
- US Citizen or Permanent Resident
- 3.0+ GPA / Satisfactory Academic Progress
- Inclusive credit policy screening for specific adverse credit incidents
- No cosigner required (ever!)
- 没有FICO截止
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