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Financial Aid: Financing Your Education

This page is designed to assist in the financial planning of your education at Fitchburg State College.

The worksheets below are designed to assist you in calculating the amount you may have to pay. Bills are mailed twice annually. Fall bills are mailed in July and due in early August and spring bills are mailed in December and due in early January. Costs provided in the worksheets are estimated. Actual room and board costs vary, depending on meal plan selection and housing assignment.

Calculation Worksheets: Select the link based on your residency status and if you will be a commuter or living on campus. The information contained in the worksheets is designed to provide you with an estimate of your bill.

You must have Excel on your computer to use these worksheets.

• Commuter MA Resident (MS Excel)
• Commuter New England Regional (MS Excel)
• Commuter Out-of-State Resident (MS Excel)
• On Campus MA Resident (MS Excel)
• On Campus New England Regional (MS Excel)
• On Campus Out-of-State Resident (MS Excel)

Alternative Financing Options:

In addition to need-based financial aid there are several programs you may want to consider to supplement your financial aid award or assist you if you do not qualify for need-based assistance.

• Federal Direct Plus Loan Program- Provides loans to qualified parents of dependent students. Parents may borrow up to the cost of attendance minus financial aid. The interest rate is fixed at 7.9 percent. Repayment begins 60 days after disbursement. Click the above link and select Plus Loan from the drop down menu to view a sample repayment schedule.
• MEFA Loan Programs - IMPORTANT: MEFA has not yet released information on their 2008-2009 loan products. Low-cost financing options that allow creditworthy families to borrow up to the total cost of attendance minus financial aid. There are a number of loan options available, so you are able to choose the best loan for you. Either the parent or the student, with a qualified co-signer, may be the borrower.
• Alternative Student Loans - Offered by various lenders, these provide students with a low interest alternative loan option, if they choose to borrow beyond the limits set by the Federal Direct Loan Program. Contact the Financial Aid Office for more information, or view our loan chart by clicking here.
• Payment Plan - Offered through Tuition Management Systems (TMS), this interest-free plan divides your payments into four or five equal monthly installments per semester for a $60.00 enrollment fee. Contact TMS or the Fitchburg State Student Accounts Office for additional information.