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Educational Expenses and Financial Aid

Tuition and Special Fees

The tuition charge for the 2014–2015 academic year is $23,000 for a student enrolled in eight courses in the M.Div., M.A.R., or S.T.M. degree programs. Students who are enrolled in these degree programs for fewer than eight courses at Yale Divinity School will be charged at the rate of $2,875 per course. Nondegree students are charged $2,875 per course. Ph.D. students who are accepted as nondegree researchers will be billed $1,500 per term.

It is expected that students in the M.Div. program will pay tuition for twenty-four courses in order to receive their degree; students in the M.A.R. program will pay tuition for sixteen courses to receive their degree; students in the S.T.M. program will pay tuition for eight courses to receive their degree. Except in cases of students who are in a joint-degree program, or whose credits have been accepted for transfer, each student must pay at least the full tuition for a degree regardless of the number of terms in which the student is enrolled. Students who transfer credit toward a degree and students who are on the expanded plan will be charged according to the number of credits taken during each term. Students will be charged for all work taken in YDS or the University that is used toward fulfilling the requirements for a degree.

Also, the University expects all students enrolled at least half-time to have adequate hospital insurance coverage. As a result, it automatically enrolls such students in Yale Health Hospitalization/Specialty Coverage. The annual cost for such coverage is $2,102 for a single student (see Health Services, in the chapter Yale University Resources and Services). Students with adequate outside coverage may waive Yale Health Hospitalization/Specialty Coverage.

In addition to the health fee, each student is assessed a $200 activities fee. M.A.R. and M.Div. students are charged a board fee of $1,000 to use as a declining balance per year for purchasing food in the Divinity School refectory. The declining balance charge for students enrolled half-time or less (those taking two courses or less per term) is $260 per term.

Internship Fee

A student who chooses to do a full-time intern year under the auspices of the Office of Supervised Ministries and who receives academic credit for a portion of that work will be charged tuition at the per-course charge for the degree program. If the student elects not to receive academic credit for the intern year, there will be a $125 fee billed in one installment.

Special Fees

Orientation Fee

For M.Div. and M.A.R. degree students entering YDS for the first time, there is a $175 orientation fee. In the case of S.T.M. and nondegree students, the fee is assessed only to those who attend orientation. Spouses and partners attending orientation pay a $35 fee.

Change of Degree Fee

There will be a $75 fee imposed on students who change their degree program.

Graduation Fee

Graduating students are assessed a $175 graduation fee whether or not they attend graduation.

Tuition Rebate and Refund Policy

On the basis of the federal regulations governing the return of federal student aid (Title IV) funds for withdrawn students, the rebate and refund of tuition is subject to the following policy.

  • 1. For purposes of determining the refund of federal student aid funds, any student who withdraws from the Divinity School for any reason during the first 60 percent of the term will be subject to a pro rata schedule that will be used to determine the amount of Title IV funds a student has earned at the time of withdrawal. A student who withdraws after the 60 percent point has earned 100 percent of the Title IV funds. In 2014–2015, the last days for refunding federal student aid funds will be November 1, 2014, in the fall term and March 26, 2015, in the spring term.
  • 2. For purposes of determining the refund of institutional aid funds and for students who have not received financial aid:
  • a. 100 percent of tuition will be rebated for withdrawals that occur on or before the end of the first 10 percent of the term (September 6, 2014, in the fall term and January 21, 2015, in the spring term).
  • b. A rebate of one-half (50 percent) of tuition will be granted for withdrawals that occur after the first 10 percent but on or before the last day of the first quarter of the term (September 23, 2014, in the fall term and February 5, 2015, in the spring term).
  • c. A rebate of one-quarter (25 percent) of tuition will be granted for withdrawals that occur after the first quarter of a term but on or before the day of midterm (October 21, 2014, in the fall term and March 1, 2015, in the spring term).
  • d. Students who withdraw for any reason after midterm will not receive a rebate of any portion of tuition.
  • 3. The death of a student shall cancel charges for tuition as of the date of death, and the bursar will adjust the tuition on a pro rata basis.
  • 4. If the student has received student loans or other forms of financial aid, funds will be returned in the order prescribed by federal regulations; namely, first to Federal Direct Unsubsidized Loans, if any; then to Federal Perkins Loans; Federal Direct Graduate PLUS Loans; next to any other federal, state, private, or institutional scholarships and loans; and, finally, any remaining balance to the student.
  • 5. Recipients of federal and/or institutional loans who withdraw are required to have an exit interview before leaving Yale. Students leaving Yale receive instructions on completing this process from Yale Student Financial Services.

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Financial Aid Policies

The goal of the financial aid program at YDS is to enable students enrolled in its degree programs to manage and meet their institutional and living expenses without diverting undue energy or attention from their educational responsibilities. Most financial aid is awarded on the basis of demonstrated financial need—the difference between the cost of attending YDS and the personal or non-YDS resources available to the student during that academic year.

In order to determine financial need, YDS requires students to submit a YDS Financial Aid Application and a Free Application for Federal Student Aid (FAFSA). Within the parameters of need and its own resources, the School takes into consideration merit and diversity in making its awards. The financial aid award will normally contain a YDS scholarship, the offer of a William D. Ford Federal Stafford Direct Unsubsidized Loan and, when necessary, the Federal Perkins Loan, and the expectation of earnings from a student job. Ten to fifteen hours of work per week are recommended during the academic year. The application deadline for financial aid is March 1 for entering students and April 1 for continuing students.

Financial aid recipients need to apply for financial aid each academic year. Unless an applicant’s financial circumstances have improved significantly, an applicant may count on the same standard of support in subsequent years. If during the academic year a student’s tuition charge changes, the student’s scholarship will be changed by the same proportion as the tuition change.

Whenever a financial aid student receives additional resources unaccounted for in the award letter, the Financial Aid Office will use those resources to eliminate any unmet need and then reduce educational indebtedness before considering the reduction of a YDS scholarship.

The same policies involving financial aid for citizens of the United States apply to international students. However, because international students without a permanent resident designation are not eligible for federal loans, they need to submit the YDS Financial Aid Application and the International Student Certification of Finances 2014–15 with supporting documentation.

Satisfactory Academic Progress (SAP)

In order for a student to continue to receive financial aid, he or she must maintain Satisfactory Academic Progress (SAP). The parameters of SAP are discussed under Academic Deficiencies, in the chapter Standards and Requirements.

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Housing Expenses

Yale University’s Graduate and Professional School Housing Office operates the three apartment buildings located on Divinity School property, with priority given to YDS students. These buildings contain eighty-four units total, consisting of one-bedroom, junior one-bedroom, and two-bedroom apartments. Two-bedroom units may be shared or assigned to residents with dependent children. While most rooms are unfurnished, there are a limited number of furnished apartments.

Each apartment has a living room, kitchenette (refrigerator and stove included), and bathroom. Furnished apartments generally come with a double/full-size bed, bureau, end tables with lamps, a love seat and chair, coffee table, and kitchen table with chairs. All students are expected to supply their own linens, flatware, dishes, cooking utensils, pillows, blankets, and other housekeeping equipment. Each building has coin-operated laundry facilities in the basement.

Rental fees are charged monthly to students’ accounts and include heat, hot water, electricity, and wireless Ethernet. Parking is also provided to students possessing proof of vehicle ownership. In the 2014–2015 academic year, the monthly rates for unfurnished apartments are: $900 for a junior one-bedroom, $1,050 for a one-bedroom, $1,200 for a two-bedroom, and $600 per person for a shared two-bedroom apartment. The furnished rates are: $1,050 for a junior one-bedroom, $1,200 for a one-bedroom, $1,300 for a two-bedroom, and $650 per person for a shared two-bedroom apartment. Housing licenses for incoming students run from August 1 to May 31 and are filled on a first-come, first-served basis. Contracts for renewing students are twelve months, beginning June 1 and expiring May 31. Rental fees for summer housing are not covered in students’ financial aid packages for the academic year.

Additional housing for YDS students is available in units adjacent to the Divinity School in the Prospect Hill area. These apartments are also managed by University Graduate Housing. Requests for housing must be made online at www.yale.edu/gradhousing. Students receive notification of available housing, based on their application criteria, via e-mail. See University Housing Services, in the chapter Yale University Resources and Services.

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On-Campus Dining

Breakfast and lunch, priced à la carte, are served Monday through Friday in the Divinity School refectory. All full-time M.Div. and M.A.R. students are automatically billed $1,000 per year for food to be purchased in the refectory on a “declining balance” basis. Students enrolled half-time or less are billed $520 per year for declining balance food purchases. S.T.M. students, nondegree students, and visiting fellows wishing to participate in the declining balance program may do so by contacting the registrar.

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Total Expenses

For a single student attending YDS during the 2014–2015 academic year, the total expenses are estimated to be:

Tuition

$23,000

Health, Student Activity Fees

3,477

*

Rent & Food

11,236

Books & Supplies

1,100

Living expenses

4,961

Total expenses

$43,774

*Includes $1,000 declining balance for refectory purchases for full-time students.

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Sources of Support

Merit Scholarships

The Admissions Committee designates several merit scholarships each year. There is no separate application for merit scholarships. The Admissions Committee each year designates the top three applicants to the M.Div. and the M.A.R. programs as Marquand Scholars. The criteria used in making these selections include exceptional academic achievement, demonstrated leadership ability, and spiritual maturity. Marquand Scholars will receive full tuition and a $5,000 living allowance.

The William Sloane Coffin Scholars, recommended by the Admissions Committee, are selected among incoming applicants who demonstrate some of the attributes of William Coffin’s prophetic leadership, his passion for social justice, and his critical theological interpretations of the contemporary social and political scene. William Sloane Coffin Scholars receive a full-tuition scholarship and a living allowance; the award is renewable.

The St. Luke’s Scholarship is a merit scholarship for an entering Episcopal M.Div. student with exceptional academics and demonstrated leadership ability. The scholarship provides full tuition and a $5,000 living allowance and is renewable.

Institute of Sacred Music students receive full-tuition scholarships and may compete for ISM merit awards.

For more information, visit http://divinity.yale.edu.

Need-Based Scholarships

All YDS scholarship awards are administered through the Financial Aid Office. A scholarship award is a gift without any expectation of repayment and is renewable. Named scholarship funds provide an important portion of the YDS scholarship budget but are not administered separately from this budget and do not require a separate application.

The scholarship awarded a student has a direct relationship to the amount of tuition billed on the student’s account. If the tuition decreases or increases, the scholarship will be decreased or increased by the same proportion. If the student decides to enroll for only three courses rather than four courses in the fall term, the tuition charge is reduced by one-fourth, and that student’s scholarship is reduced by one-fourth. Students should consult with the Financial Aid Office first to be sure that all adjustments were made before a refund is taken from their account.

Veterans Benefits

For information about eligibility and application for educational benefits for veterans, visit the United States Department of Veterans Affairs Web site at www.gibill.va.gov. To have your enrollment certified to the Veterans Administration, contact the Divinity School registrar.

Loans

YDS utilizes the William D. Ford Federal Stafford Direct Loan Program (unsubsidized) and the Federal Perkins Loan Program. A student must be enrolled at least half-time in a degree program and have demonstrated financial need to be eligible to receive federal funds.

Employment

Each student receiving financial aid is expected to contribute to her/his expenses by earning $4,000 during the academic year. By working ten to fifteen hours per week on campus or off campus, it will not be difficult to earn that amount. The resources of the University’s Student Employment Office are available to all YDS students (www.yalestudentjobs.org).

Likewise, students may be eligible to receive federal Work-Study funds to help secure jobs on campus or with nonprofit agencies off campus. These funds are applied for at the Financial Aid Office after a student has obtained a job.

Students in YDS occasionally have the opportunity to serve as a teaching fellow in courses in Yale College. Such opportunities normally arise only when the student has an unusually strong background in the subject of the course. The associate dean of academic affairs must approve all plans to serve as a teaching fellow before negotiations are concluded with the department offering the course and before the course actually begins to meet.

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Student Accounts and Bills

Student accounts, billing, and related services are administered through the Office of Student Financial Services, which is located at 246 Church Street. The telephone number is 203.432.2700, or visit www.yale.edu/sfs/contactus.

Bills

Yale University’s official means of communicating monthly financial account statements is through the University’s Internet-based system for electronic billing and payment, Yale University eBill-ePay. Yale does not mail paper bills.

Student account statements are prepared and made available twelve times a year at the beginning of each month. Payment is due in full by 4 p.m. Eastern Time on the first business day of the following month. E-mail notifications that the account statement is available on the University eBill-ePay Web site (www.yale.edu/sis/ebep) are sent to all students at their official Yale e-mail addresses and to all student-designated authorized payers. It is imperative that all students monitor their Yale e-mail accounts on an ongoing basis.

Bills for tuition, room, and board are available to the student during the first week of July, due and payable by August 1 for the fall term; and during the first week of November, due and payable by December 1 for the spring term. The Office of Student Financial Services will impose late fees of $125 per month (up to a total of $375 per term) if any part of the term bill, less Yale-administered loans and scholarships that have been applied for on a timely basis, is not paid when due. Nonpayment of bills and failure to complete and submit financial aid application packages on a timely basis may result in the student’s involuntary withdrawal from the University.

No degrees will be conferred and no transcripts will be furnished until all bills due the University are paid in full. In addition, transcripts will not be furnished to any student or former student who is in default on the payment of a student loan.

The University may withhold registration and certain University privileges from students who have not paid their term bills or made satisfactory payment arrangements by the day of registration. To avoid delay at registration, students must ensure that payments reach Student Financial Services by the due dates.

Charge for Rejected Payments

A processing charge of $25 will be assessed for payments rejected for any reason by the bank on which they were drawn. In addition, the following penalties may apply if a payment is rejected:

  • 1. If the payment was for a term bill, a $125 late fee will be charged for the period the bill was unpaid.
  • 2. If the payment was for a term bill to permit registration, the student’s registration may be revoked.
  • 3. If the payment was given to settle an unpaid balance in order to receive a diploma, the University may refer the account to an attorney for collection.

Yale University eBill-ePay

There are a variety of options offered for making payments. Yale University eBill-ePay is the preferred means for payment of bills. It can be found at www.yale.edu/sis/ebep. Electronic payments are easy and convenient—no checks to write, no stamps, no envelopes, no hassle. Payments are immediately posted to the student’s account. There is no charge to use this service. Bank information is password-protected and secure, and there is a printable confirmation receipt. Payments can be made twenty-four hours a day, seven days a week, up to 4 p.m. Eastern Time on the due date to avoid late fees. (The eBill-ePay system will not be available when the system is undergoing upgrade, maintenance, or repair.) Students can authorize up to three authorized payers to make payments electronically from their own computers to the student’s account using Yale’s system.

Use of the student’s own bank payment service is not authorized by the University because it has no direct link to the student’s Yale account. Payments made through such services arrive without proper account identification and always require manual processing that results in delayed crediting of the student’s account, late fees, and anxiety. Students should use Yale eBill-ePay to pay online. For those who choose to pay by check, remittance advice with mailing instructions is available on the Web site.

Yale Payment Plan

The Yale Payment Plan (YPP) is a payment service that allows students and their families to pay tuition, room, and board in ten equal monthly installments throughout the year based on individual family budget requirements. It is administered by the University’s Office of Student Financial Services. The cost to enroll in the YPP is $100 per contract. The deadline for enrollment is June 20. For additional information, please contact Student Financial Services at 203.432.2700 and select “Press 1” from the Main Menu. The enrollment link can be found online in the Yale Payment Plan section of the Student Accounts Web site: www.yale.edu/sfas/financial/accounts.html#payment.

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