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Hellenic College Holy Cross offers a wide range of need-based options for financial aid, as well as competitive merit-based awards. To learn more about financing your education or to request a financial aid application packet, please contact Michael Kirchmaier, Director of Financial Aid & Scholarships.
All fees are proposed and subject to change. The College reserves the right to correct typographical errors or to adjust the Cost of Attendance at any time it deems necessary. The Trustees of Hellenic College Holy Cross reserve the right to change the Tuition & Fees and to make additional charges within the College whenever such action is deemed necessary.
Estimate your cost of attendance using the Net Price Calculator.
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| Tuition | Per Academic Year | Per Semester | Additional Credits |
|---|---|---|---|
| Full time Tuition (12-18 credits) All on campus degree programs. | 21,940.00 | 10,970.00 | 950.00 |
| Single Student Housing | Per Academic Year (9 months) | Per Semester | Damage Deposit |
|---|---|---|---|
| Polemanakos - Single Room | 11,550.00 | 5,775.00 | 400.00 |
| Polemanakos - Single Apartment | 16,000.00 | 8,000.00 | 400.00 |
| Polemanakos - Shared Apartment | 10,000.00 | 5,000.00 | 400.00 |
| Married Student Housing (MSH) | Per Academic Year (10 months) | Per Month | Damage Deposit |
|---|---|---|---|
| Halki Village - 1 Bedroom | 11,976.00 | 1,197.50 | 1,197.00(C) |
| Halki Village - Town House | 18,780.00 | 1,878.00 | 1,878.00(C) |
| Dendrinos Village - 1 Bedroom | 11,605.00 | 1,160.50 | 1,160.00(C)(D) |
| Dendrinos Village - 2 Bedroom | 14,981.00 | 1,498.10 | 1,498.00(C)(D) |
| Dendrinos Village - 3 Bedroom | 18,305.00 | 1,830.50 | 1,830.00(C)(D) |
| Summer MSH rate for July & August is billed at the per month fee. |
| Board/Food Plan** | Per Academic Year (9 months) | Per Semester | |
|---|---|---|---|
| Full Food Plan | 4,642.00 | 2,321.00 | |
| Commuter Food Plan (10 meals per week) | 2,566.00 | 1,283.00 |
| Fees | Per Academic Year (9 months) | Per Semester | |
|---|---|---|---|
| Registration | 100.00 | 50.00 | (#) |
| Student Activity | 350.00 | 175.00 | |
| Access Fee - Resident (A) | 100.00 | 50.00 | (#) |
| Access Fee - Remote | 100.00 | 50.00 | |
| Access Fee - Commuter | 100.00 | 50.00 | |
| Parking Fee - Residential | 425.00 | 212.50 | (#) |
| Parking Fee - Commuter | 212.00 | 106.25 | |
| Graduation Fee | 250.00 | ||
| Psychological Testing | 550.00 | 550.00 | (B) |
| Thesis Continuation Fee | 150.00 |
| Online ThM Program | Annual Fees | Per Semester Fees | Additional Credit |
|---|---|---|---|
| Online ThM Full Time Tuition (12 credits per semester) | 12,000.00 | 6,000.00 | 500.00 |
| Registration Fee ThM | 100.00 | 50.00 | |
| Access Fee ThM | 100.00 | 50.00 | |
| Online ThM Part Time per course fee (3 credit course) | 1500.00 |
| Online MTS Program | Annual Fees | Per Semester Fees | Additional Credit |
|---|---|---|---|
| Online MTS Full Time Tuition (12 credits fall & 13.5 credits spring) | 15,000.00 | 7,500.00 | 625.00 |
| Online MTS Program Fees | Annual Fees | Per Semester Fees | |
|---|---|---|---|
| Registration Fee MTS | 100.00 | 50.00 | |
| Access Fee MTS | 100.00 | 50.00 | |
| Online MTS Part Time per course fee (3 credit course) | 1,875.00 |
| Online Non Degree Course (3 credits) | Annual Fees | Per Semester Fees | Additional Credit |
|---|---|---|---|
| Online Non Degree Course (3 credits) | 1,500.00 | 500.00 |
| Online Non Degree Course Fees | Annual Fees | Per Semester Fees | |
|---|---|---|---|
| Online Non Degree Registration Fee | 100.00 | 50.00 | |
| Online Non Degree Access Fee | 100.00 | 50.00 |
**Please note that food plans are required for rooms and apartments that don’t have kitchens!
The access fee covers your dormitory or lounge key, your required College ID, Library ID, remote access license/credentials and other miscellaneous items.
Assessed Fall semester for Religious Studies A and MDiv students only.
Based upon 10 months
Rate does not include electricity. Residents are required to open their own account with the local utility, Eversource.
MUST be paid in Fall Semester
Tuition and room and board refunds are determined by the number of weeks a student has attended class or has been in residence. If a student officially withdraws within:
There are no refunds after the fourth week of the semester. Additionally, a student who withdraws from the school and fails to do so in the prescribed manner will not be entitled to any refund.
Grant: does not have to be repaid.
For undergraduates with financial need who have not earned bachelor degree. A student can receive a Federal Pell Grant for no more than 12 semesters or the equivalent (roughly six years.)
Under the Federal Supplementary Educational Opportunity Grant (FSEOG) program, limited federal funds are available to students. Grants are awarded according to school and federal guidelines, based on financial need.
For your convenience, the HCHC Office of Financial Aid has prepared a document that allows students to quickly complete all of the forms necessary to apply for Federal Student Aid. If you would like this document to be emailed directly to you, please send us a request.
The Teacher Assistantship Program provides students with part-time positions assisting full-time faculty members. These assistantships are restricted to full-time students whose cumulative grade point average is at least a 3.00, or “B,” and who demonstrate financial need. Teacher Assistants may work as many as 40 hours per semester at a maximum rate of 5 hours per week while classes are in session. Individual faculty members in conjunction with the Office of Financial Aid will select candidates for this program. For more information, please email Human Resources at hr@hchc.edu.
The Work Study Program offers a variety of limited part-time employment opportunities on campus. Full-time students are selected based on the availability of positions. Each student participating in this program may work up to 15 hours per week when school is in session. The available work study positions for each academic year are posted on the Work Study Positions page.
Many states offer scholarships and/or loans to their residents who wish to attend schools in their state. However, some states offer scholarships to their residents to attend schools in another state. The following states offer such “portable” aid programs: Connecticut, Rhode Island, Vermont, Pennsylvania, and the District of Columbia. Students may obtain further information directly from the state agency responsible for such programs.
To receive and maintain any institutional scholarship, students must have a minimum cumulative GPA of 3.0 and remain in good academic, financial, and disciplinary standing.
Like most colleges and universities, Hellenic College Holy Cross scholarships are made possible through a combination of our limited endowment resources and the generosity of outside scholarship foundations and donors. These contributions fund the scholarships already reflected in your Financial Aid Offer Letter. In other words, your HCHC scholarship exists thanks to the support of our donors who believe in your education. To honor their generosity and sustain this tradition of support, you will be asked to write a thank-you letter, which we will forward to the donor on your behalf.
Q: I received an outside scholarship. Does this mean I get extra financial aid on top of what’s in my Financial Aid Offer Letter?
A: Not always. In many cases, outside scholarships are used to sponsor or support the school scholarship already listed in your Financial Aid Offer Letter. When that happens, the donor’s contribution funds part (or all) of the award you’ve already received, so your total financial aid package remains the same.
Q: Can I use my scholarship for other reasons?
A: No. Scholarships are restricted to tuition only, as required by the donor’s stipulations. They may not be used for other costs such as books, parking fees, housing, or personal expenses, and they cannot be converted into cash.
Q: Why is it done this way?
A: This approach ensures that donor gifts are properly recognized while allowing financial aid to be distributed fairly among all students with need. Although your total award amount does not increase, your scholarship is made possible thanks to the generosity of our donors, who are committed to supporting your education.
Q: Do I need to do anything?
A: Yes, please write a short thank-you letter to the donor that we will forward on your behalf. A sincere note of appreciation goes a long way in encouraging continued support for yourself and future students. When you receive an email from the Office of Institutional Advancement, please be sure to respond within the given timeframe.
Institutional Scholarship Eligibility and Duration Policy
To receive and maintain any institutional scholarship, students must:
Scholarship Duration Limits
Institutional scholarships are valid only for the standard published length of each program and expire at the end of that period:
Please note: Institutional scholarships are not available for students enrolled in any online or non-degree programs.
All non-Hellenic College scholarships will be applied first before any Hellenic College scholarships. Generally, outside scholarships are used to fill unmet need. If there is no remaining unmet need, the financial aid award offered may be adjusted. All outside scholarships must be reported to the Office of Financial Aid. Again, the HCHC Financial Aid & Scholarships Office will not award any scholarships to HCHC students unless the office has received the FAFSA-generated “Student Aid Report” and the HCHC “Financial Aid Offer” signed by the student and approved by the Office of Financial Aid. There will be no exceptions to this rule.
The Chrysostom Scholarship operates in conjunction with the St. John Chrysostom Oratorical Festival that takes place annually in the Greek Orthodox Archdiocese of America. Finalists in the senior and junior divisions at the parish, district, metropolis, and national levels of competition are eligible to receive a Chrysostom Scholarship to Hellenic College. This scholarship provides awards ranging from $2,500 to $30,000 per year. The award structure is outlined in the terms and conditions.
The Chrysostom Scholarship is intended to afford young men and women the opportunity to continue their education in an Orthodox Christian environment while also encouraging more parishes to participate in the Oratorical Festival.
Eligibility for the Chrysostom Scholarship does not guarantee admission to Hellenic College. Regular admission requirements must be met. Scholarships will be awarded when acceptance is offered. After admission, students must maintain a 3.0 GPA and be in compliance with the code of conduct specified in the student handbook in order for their awards to continue beyond the first year of study.
Participants in the Oratorical Festival who have placed first, second, or third in the senior or junior division are encouraged to fill out the brief form on the St. John Chrysostom Oratorical Scholarship web page. Our Admissions office will contact you soon.
Undergraduate dependent children of Hellenic College Holy Cross alumni are eligible for a 50% tuition discount (note: this does not apply to the cost of Room and Board). Students may choose this scholarship or any other merit-based or need-based scholarship offered by the school—whichever provides the greater financial benefit.
This alumni scholarship cannot be combined with other HCHC institutional scholarships and does not serve as a base for stacking additional aid.
Important Note for Seminarians: Students pursuing the holy priesthood must first accept all available vocational funding before becoming eligible for any additional institutional aid.
As with all institutional scholarships, students must:
The Office of Financial Aid and Scholarships is here to help you find as many scholarships from external sources as possible. Please reference our list of External Scholarships for additional information. This list is regularly updated.
What is the CARES Act Higher Education Emergency Relief Fund?
The Coronavirus Aid, Relief, and Economic Security (CARES) Act is legislation passed by Congress to respond to COVID-19. Included in the legislation is the Higher Education Emergency Relief Fund (HEERF), which allocates funds to institutions based on the number of students with high financial need and the institution’s total student enrollment. Of each institution’s HEERF allocation, 50% must be distributed directly to students in the form of emergency student financial aid grants to cover expenses related to the disruption of campus operations due to COVID-19.
As a condition to receiving the emergency student financial aid portion of its CARES Act funding, our school signed and returned to the Department of Education a Certification and Agreement. That certification was submitted on April 30, 2020, and our school received the Emergency Student Financial Aid Grant of $55,522 on July 16, 2020.
The CARES Act specifies that the student portion is only distributable by Hellenic College Holy Cross to students who were eligible to participate in financial aid programs under Section 484 in Title IV of the Higher Education Act of 1965. Students demonstrating the highest need based on an analysis of their federal eligibility in the 2019–2020 academic period and who were enrolled during the spring semester of that period will be considered for these funds. We are working diligently to provide this relief to our eligible students who will be notified via email once their award has been disbursed through their student account.
We have already identified 12 students who are or may be eligible to participate in the Federal student financial aid programs under Section 484 of the Higher Education Act of 1965, as amended, and thus are eligible to receive Emergency Financial Aid Grants to students under Section 18004(a)(1) of the CARES Act once details of their unexpected expenses and financial need due to the Coronavirus has been collected. As part of the awarding process we are looking at any and all emergency housing and food expenses caused by the closure of the dorms, technology expenses as we moved to online classes and any unforeseen health care or childcare expenses. If you have not already been contacted by the office of financial aid and you think you might be eligible, please contact Michael Kirchmaier as soon as possible.
UPDATE: The Higher Education Emergency Relief Fund- Student Aid was created to provide support to students who experienced a crisis that adversely affected their academic year. The intent of the fund was to support students experiencing an emergency situations that created a temporary financial hardship caused by the current pandemic. Priority was given to those students who had documented extraordinary expenses and had exhausted all other means of financial support. The funds were limited and not intended to provide ongoing relief for recurring expenses. Emergency funding was provided in the form of a one-time grant to 12 of our beloved students on the 17th of September, 2020 representing 100% of ours schools allocation of the Cares Act Student Aid Emergency Relief Fund section 18004(a)(1).
There were many factors considered when making the awards. Here are some of the awarding criteria. Unexpected medical, mental health or dental costs not covered by insurance. Temporary assistance with food insecurity. Temporary housing assistance caused by COVID-19 which included additional rent, security deposit, short-term hotel costs incurred to relocate, quarantine or isolate, for personal safety, etc. Costs of additional equipment, software or services in order to complete educational requirements via remote learning. Unplanned travel expenses to receive medical care, self-quarantine or isolate. Unplanned or additional childcare or family care costs necessary to complete classwork.
45-day UPDATE: The Higher Education Emergency Relief Fund- Student Aid was created to provide support to students who experienced a crisis that adversely affected their academic year. The intent of the fund was to support students experiencing emergency situations that created a temporary financial hardship caused by the current pandemic. Priority was given to those students who had documented extraordinary expenses and had exhausted all other means of financial support. The funds were limited and not intended to provide ongoing relief for recurring expenses. Emergency funding was provided in the form of a one-time grant to 12 of our beloved students on the 17th of September, 2020 representing 100% of ours schools allocation of the Cares Act Student Aid Emergency Relief Fund section 18004(a)(1).
As of today all Cares Act Funds have been distributed to the 12 recipients.
There were many factors considered when making the awards. Here are some of the awarding criteria. Unexpected medical, mental health, or dental costs not covered by insurance. Temporary assistance with food insecurity. Temporary housing assistance caused by COVID-19 which included additional rent, security deposit, short-term hotel costs incurred to relocate, quarantine or isolate, for personal safety, etc. Costs of additional equipment, software, or services in order to complete educational requirements via remote learning. Unplanned travel expenses to receive medical care, self-quarantine, or isolate. Unplanned or additional childcare or family care costs were necessary to complete classwork.
Disclosures:
Hellenic College Holy Cross Financial Aid Services is committed to working with students and families to provide the best possible information about available financial aid resources.
We created this guide to help you understand the components of your financial aid award, as well as the options available for financing your education.
What is the best way for you to pay for a Hellenic College Holy Cross education? The first step should include reading this guide and understanding your options. Then take a careful look at your household budget and determine what funds are available to cover educational expenses and any potential additional funds you may have.
When planning how to finance your education, it is important to plan your expenses for the entire academic year. Included in this guide is information about paying your college bill and an expense worksheet to help you estimate that amount.
HCHC’s Financial Aid department can assist you with questions you may have regarding your financial aid award and available financing options.
We look forward to working with you!
On July 4, 2025, President Donald Trump signed the H.R.1 Bill (One Big Beautiful Bill Act) into law. Significant provisions that will affect college students are slated to take effect on July 1, 2026.
Provisions Impacting Pell Grants:
Pell Lifetime Eligibility Usage (LEU):
The law states that students who receive grants or scholarships covering their entire cost of attendance (COA) would be ineligible to receive a Pell Grant, even if otherwise eligible for the program. There will be no impact to the Pell LEU for students in this situation.
Pell Grant Eligibility with a High SAI:
The law includes a provision that prevents students from receiving Pell Grants if their SAI exceeds twice the maximum Pell Grant award, with an effective date of July 1, 2026.
Foreign Income and Pell Grant Eligibility:
The law requires that foreign income be included in the income calculation for Pell Grant eligibility.
Provisions Impacting Student Loans:
Parent PLUS Loans:
The One Big Beautiful Bill Act now limits new Parent PLUS loan limits: a $20,000 per year cap per dependent student and a $65,000 aggregate limit per dependent student. Students with Federal Loan borrowing prior to 7/1/2026 (Legacy borrowers) will continue to be able to borrow up to the full Cost of Attendance for three years or until they complete their program. Note: Legacy provision benefits are terminated if student ceases enrollment.
Graduate PLUS Loans:
The One Big Beautiful Bill Act eliminates the Graduate PLUS program, with legacy provisions for current borrowers to complete their program of study. Legacy borrowers will continue to be able to borrow up to the full Cost of Attendance for three years or until they complete their program. Note: Legacy provision benefits are terminated if student ceases enrollment.
Graduate Federal Direct Unsubsidized Loan Limits:
The annual graduate loan limits are retained at $20,500. The aggregate lifetime limit is now capped at $100,000 for graduate student direct loan borrowing. Loan limits become effective on July 1, 2026, with a legacy provision for current borrowers to borrow under current limits for the remainder of their program of study.
Lifetime Borrowing Cap on All Federal Loans:
The One Big Beautiful Bill Act contains a $257,500 combined Undergraduate and Graduate borrowing cap on all federal student loans, excluding borrowed Parent PLUS loan amounts. Effective July 1, 2026, with legacy provision for current borrowers. Note: Legacy provision benefits are terminated if student ceases enrollment.
Annual Loan Limit Proration for Less-Than-Full-Time Enrollment:
Students must be enrolled full-time to borrow the maximum annual loan limit. Full-time enrollment for undergraduates is 12 credit hours minimum, and 9 hours for graduate students. Loan awards will be reviewed each term after add/drop and adjusted proportionately to enrollment intensity. Effective Fall 2026 semester with no legacy provisions.
Provisions Impacting Student Loan Repayment:
Repayment Plan Options for New Borrowers:
Borrowers with new loans made on or after July 1, 2026, can use only two plans: a new standard repayment plan with fixed monthly payments and terms ranging from 10 to 25 years, and the new Repayment Assistance Plan (RAP).
Economic Hardship and Unemployment Deferment:
The law eliminates these deferments for borrowers who received a loan on or after July 1, 2027. Such borrowers may only be eligible for discretionary forbearance for no more than 9 months during a 24-month period.
Repayment Plan Options for Current Borrowers:
Borrowers with no new loans made on or after July 1, 2026, can continue the Standard, IBR, Graduated, and Extended plans, or opt into RAP. Current borrowers enrolled in ICR, PAYE, or SAVE plans must transition by July 1, 2028.
Repayment Assistance Plan (RAP) Monthly Payment Amount:
The law requires a $10 minimum monthly payment under RAP. Payment is based on AGI and number of dependents. Income and dependents are calculated separately for married borrowers who filed taxes separately.
Income Based Repayment (IBR) Plan Changes:
The law retains the cap on monthly payments under IBR, removes the requirement to demonstrate a partial financial hardship to enroll, and retains cancellation for balances repaid under IBR at 25 years.
Students, and parents of dependent students, have the primary responsibility to pay for college. Financial aid is meant to supplement that responsibility. Eligibility begins with filing the Free Application for Federal Student Aid (FAFSA) at studentaid.gov each academic year. Key criteria include:
Need-Based Financial Aid
Awarded to students who have demonstrated financial need (SAI is less than COA). Includes federal, state and institutional grants, subsidized student loans and work-study.
Non-Need-Based Financial Aid
Awarded when your SAI is greater than the COA. Includes the Federal Direct Unsubsidized Loan.
Graduate Students on Program Fee or Continuous Enrollment
Graduate students not enrolled for credits, but who are candidates for a degree may be eligible for a Federal Direct Unsubsidized Loan if their work is classified as at least half-time (five credits per semester). Students must update enrollment status each semester with the appropriate office. Note: Annual loan limits will be subject to new proration rules for less than full-time enrollment. New borrowers as of Fall 2026 will be subject to limited lifetime loan limits.
Graduate Non-Degree Students
Graduate non-degree students enrolled at least half-time (six credits per semester) may be eligible for a Federal Direct Unsubsidized Loan under specific conditions: the student applied for admission to a graduate degree program, will be considered for admission later, and the coursework is verified as prerequisite by a Graduate Program Director. A memo from the Graduate Program Director is required each semester. Students are only eligible to receive federal loans as non-degree students once during their lifetime.
Costs for the academic year are based on estimated information. Final charges are approved by the Board of Trustees in July prior to the start of the fall term; therefore, estimates are subject to change.
All financial aid programs are subject to change due to external factors.
Federal Pell Grant
Awarded to full and part-time undergraduate students who demonstrate exceptional need and are seeking their first bachelor’s degree. Awards are limited to the equivalent of 12 full-time semesters. Final eligibility determination is required.
FSEOG (Federal Supplemental Educational Opportunity Grant)
Awarded to Federal Pell Grant eligible students. Awards range from $200 to $2,000. Students enrolled part-time may also be eligible. Not all Federal Pell Grant eligible students are awarded FSEOG due to limited funding.
Institutional Awards
Awarded in the form of grants, tuition credits and scholarships to full and part-time eligible undergraduate students seeking their first bachelor’s degree. All awards have a minimum 3.0 GPA requirement. A student may only receive one tuition credit per semester. All awards are subject to fund availability. Students must be enrolled full-time and meet Satisfactory Academic Progress standards and file the FAFSA annually.
Federal Work-Study (FWS)
A federally funded program that provides students with funding to obtain part-time employment. Students typically work 10-20 hours per week and receive a biweekly paycheck. Earnings are taxable.
William D. Ford Federal Direct Subsidized Loan
A low-interest loan funded by the federal government, available to eligible undergraduate students enrolled at least half-time who complete the FAFSA. No credit check is required. Awarded based on demonstrated need.
A current year FAFSA must be filed to apply for these federal loans. Learn more at studentaid.gov.
William D. Ford Federal Direct Unsubsidized Loan
A non-need-based, low-interest loan available to degree-seeking undergraduate and graduate students enrolled at least half-time who complete FAFSA. No credit check is required.
William D. Ford Federal Direct PLUS Loan
Direct PLUS Loans are federal loans that parents of dependent undergraduate students and Legacy Graduate student borrowers can use to help pay for education expenses. Fixed interest rate: currently 9.07%. Origination fee: 4.228%. A current year FAFSA must be filed before applying.
Graduate PLUS Loans
Effective July 1, 2026, the One Big Beautiful Bill Act eliminates the Graduate PLUS loan program for new borrowers. Legacy provisions allow current graduate students to continue borrowing Grad PLUS loans up to the full cost of attendance for three years or until they complete their program. Note: Legacy provision benefits are terminated if student ceases enrollment.
Parent PLUS Loans
The One Big Beautiful Bill Act now limits new Parent PLUS loan limits to $20,000 per year per dependent student with a $65,000 aggregate limit. Legacy Parent PLUS borrowers are allowed to borrow up to the cost of attendance minus other financial aid for three years or until the student completes their program. Note: Legacy provision benefits are terminated if student ceases enrollment.
Parent PLUS Loans are the financial responsibility of the parents, not the student. They accrue interest while the student is enrolled and have no grace period. Parents must start repaying PLUS loans as soon as the loan is fully disbursed but may request deferment while their student is enrolled at least half-time.
Private Student Loans / Alternative Loans
Educational loans offered by private lenders to provide funds for educational expenses. These are not part of the federal student loan program and generally do not feature the flexible repayment terms or borrower protections offered by federal student loans. You should always exhaust your eligibility for federal student loans before resorting to private student loans.
The Federal Direct Unsubsidized Loan
The primary source of financial aid for many graduate students. The annual loan award is based on the cost of attendance and individual eligibility, with a maximum annual limit of $20,500. The lifetime borrowing limit for graduate students is $138,500 including loans borrowed as undergraduate.
The Federal Direct Graduate PLUS Loan (Legacy Borrowers Only)
Available only to graduate students who borrowed a Federal Graduate PLUS Loan prior to 7/1/2026. Credit-worthy legacy graduate borrowers may continue to borrow up to the full Cost of Attendance for three years or until they complete their program. Note: Legacy provision benefits are terminated if student ceases enrollment.
Your award was determined in accordance with the laws, regulations, and appropriations of the U.S. Congress, the Commonwealth of Massachusetts, and Hellenic College Holy Cross. It is subject to adjustment or cancellation in the event of changes to these laws, funding, or your eligibility.
Outside Scholarships, Credits, Resources:
Financial Aid Services may adjust your award if you receive scholarships, grants, college credits or loans not currently listed on your award. Per federal regulations, your total financial aid may not exceed your total COA. In cases where total financial aid exceeds demonstrated need, adjustments are made in this order: first loans, then work-study, then grants and scholarships.
Verification:
The U.S. Department of Education and the institution select certain financial aid applications for verification. If selected, you will need to update your tax information on the FAFSA and supply documents to verify financial and family information submitted on your FAFSA.
Conflicting Information:
The U.S. Department of Education may flag your application for additional review if information reported on the FAFSA is changed after filing or appears conflicting.
Residency:
If your residency status changes during the academic year, an adjustment to your financial aid may be required.
Appeals:
You may request a review of your eligibility by completing an appeal form. Common appeal requests include changes to family income or family size due to a change in employment, divorce, or death in the family, or increased cost of attendance due to educational-related expenses.
Enrollment Status:
Financial aid awards are initially based on full-time enrollment (12 or more credits per semester) for undergraduate students and six credits for graduate students. Adjustments occur after the add/drop period each semester. Federal aid awards are prorated based on enrolled credits.
Loan Limits or Loan Default:
If you have reached your annual or lifetime aggregate loan limit or are in default on a federal loan, your loan may be cancelled or adjusted.
Satisfactory Academic Progress (SAP):
Students receiving federal financial aid must meet academic progress standards. Undergraduate students must maintain a minimum GPA of 2.0 and the necessary credit hours to ensure graduation within ten semesters. Failure to maintain these standards will place the student on financial aid warning and may result in loss of eligibility. Graduate students must maintain a 2.0 GPA to receive or keep federal loans.
Learn more about Federal Direct Loans, the MPN, and Entrance and Exit Counseling at studentaid.gov.
Federal Direct student loans are an investment in your future. A loan is a legal obligation that makes you responsible for repaying the amount you borrow with interest. Keep track of how much you are borrowing and understand the terms of your loan. Your student loan payments should be only a small percentage of your salary after you graduate — it is important not to borrow more than you need.
Master Promissory Note (MPN)
The MPN is a legal document in which you promise to repay your loan(s) and any accrued interest and fees to the U.S. Department of Education. The MPN covers both Federal Direct Subsidized and Unsubsidized Loans and is valid for 10 years. Complete an MPN at studentaid.gov.
Direct Student Loan Entrance Counseling
Required of all first-time borrowers that choose to accept a Federal Direct Loan. Entrance counseling explains the terms and conditions of your loan, how interest works, repayment options, and how to avoid delinquency and default. Complete Entrance Counseling at studentaid.gov.
Direct Loan Exit Counseling
Required each time you drop below half-time enrollment, graduate, or leave school. Covers Understanding Your Loans, Loan Servicers, Repayment Plans, Avoiding Default, Deferment, and Forbearance. Visit studentaid.gov/exit-counseling.
| Student Level | Dependent Students | Independent Students | Additional Unsubsidized (Parent PLUS Denied) |
|---|---|---|---|
| First Year (0-26 credits) | $5,500 (up to $3,500 sub.) | $9,500 (up to $3,500 sub.) | $4,000/year |
| Sophomore (27-56 credits) | $6,500 (up to $4,500 sub.) | $10,500 (up to $4,500 sub.) | $4,000/year |
| Junior/Senior (57-120 credits) | $7,500 (up to $5,500 sub.) | $12,500 (up to $5,500 sub.) | $5,000/year |
| Maximum Undergraduate | $31,000 (up to $23,000 sub.) | $57,500 (up to $23,000 sub.) | |
| Graduate Annual Limit | $20,500 (Unsubsidized) | ||
| Graduate Lifetime Max | $138,500 (incl. undergrad loans) |
Payment calculated using the Standard Repayment Plan and fixed interest rates. These repayment plan examples apply to Legacy borrowers only.
Fixed interest rate of 3.76% over 10 years.
| Total Loan Debt at Graduation | Monthly Payment | Total Amount Paid |
|---|---|---|
| $5,000 | $50 | $6,005 |
| $10,000 | $100 | $12,013 |
| $15,000 | $150 | $18,020 |
| $20,000 | $200 | $24,026 |
| $25,000 | $250 | $30,033 |
| $30,000 | $300 | $36,039 |
| $40,000 | $400 | $48,052 |
| $57,500 | $576 | $69,075 |
Fixed interest rate of 5.31% over 10 years.
| Total Loan Debt at Repayment | Monthly Payment | Total Amount Paid |
|---|---|---|
| $10,000 | $108 | $12,910 |
| $20,000 | $215 | $25,821 |
| $40,000 | $430 | $51,642 |
| $60,000 | $646 | $77,463 |
| $80,000 | $861 | $103,284 |
| $100,000 | $1,075 | $129,105 |
| $138,500 | $1,490 | $178,809 |
Fixed interest rate of 6.31% over 10 years.
| Total Loan Debt at Repayment | Monthly Payment | Total Amount Paid |
|---|---|---|
| $10,000 | $113 | $13,510 |
| $20,000 | $225 | $27,020 |
| $40,000 | $450 | $54,040 |
| $60,000 | $676 | $81,060 |
| $80,000 | $900 | $108,080 |
| $100,000 | $1,126 | $135,100 |
Contact your loan servicer to determine your eligibility for the different plans or visit studentaid.gov. Please be aware that many of these repayment plans will be sunsetting in 2028.
| Repayment Plan | Monthly Payment | Repayment Length | Eligible Borrowers |
|---|---|---|---|
| Standard* | Fixed amount | Up to 10 years | All Direct Loan borrowers |
| Graduated* | Starts low, increases every two years | Up to 10 years | All Direct Loan borrowers |
| Extended* | Fixed or graduated | Up to 25 years | Borrowers with >$30,000 in Direct Loans |
| PAYE (Pay As You Earn)** | 10% of discretionary income | Up to 20 years | New Direct Loan borrowers on/after Oct 1, 2007 |
| IBR (Income-Based)** | 10 or 15% of discretionary income | Up to 20 years | Borrowers with high debt relative to income |
| ICR (Income Contingent) | 20% of discretionary income | Up to 25 years | All Direct Loan borrowers |
| Income-Sensitive | Based on annual income | Up to 15 years | FFELP borrowers only |
* These repayment plans do not qualify for Public Service Loan Forgiveness (PSLF).
** These repayment plans qualify for PSLF.
What is Public Service Loan Forgiveness (PSLF)?
If you are employed by a U.S. federal, state, local, or tribal government or not-for-profit organization, you might be eligible for PSLF. The program forgives the remaining balance on your Direct Loans after 120 qualifying monthly payments under a qualifying repayment plan while working full-time for a qualifying employer. Learn more at studentaid.gov.
Loan Consolidation
If you have multiple federal student loans, you can consolidate them into a single Direct Consolidation Loan, simplifying repayment into one monthly payment. A Direct Consolidation Loan may also be eligible for more beneficial repayment plans than your current loans.
You have the right to:
You are responsible for:
You must notify your lender or loan servicer if you: graduate, withdraw, or drop below half-time; transfer to another school; change your name, address, or contact information; or have a change that affects your ability to repay the loan.
All tuition bills are posted in the student billing system. Students and authorized payers may view, print, and/or make online payments through the electronic payment system. The institution bills students by semester. For undergraduate students, fall semester bills are due by July 16th and December 16th for the spring semester.
To be in good standing you must meet your financial obligations by all published deadlines. Failure to do so may result in:
Financial Aid Refunds
If the amount of financial aid and other credits on your bill exceeds your charges and you do not have a previous balance, you may receive a refund. Sign up for direct deposit to ensure timely processing of any refund. You must be registered for at least six credits for your financial aid to be disbursed. Some types of financial aid require 12 or more credits.
The Federal Direct Parent PLUS Loan
A loan for creditworthy parents of dependent students. Can be used to cover all or part of the amount due to the institution.
| Contact Method | Details |
|---|---|
| In-Person / Mail | Hellenic College Holy Cross 50 Goddard Avenue, Brookline, MA 02445 mkirchmaier@hchc.edu |
| Phone | Contact your Financial Aid Office directly 617 417 5106 |
| Website | hchc.edu |
| FAFSA | studentaid.gov |
| Office | Role |
|---|---|
| Financial Aid & Scholarships | Award letters, eligibility, loans, scholarships |
| Office of the Bursar | Billing, payments, refunds |
| Registrar’s Office | Enrollment verification, transcripts |
| Dean of Students Office | Student support and resources |
| Office of the Bursar | Meal plans |
| Residential Life | On-campus housing |
| Office of the Bursar | Health insurance, medical services |