Financial Aid

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Endicott College will make every effort to ensure that a quality education is available to all qualified students, regardless of income level. Financial Aid officers are available to help students and their families on an individual basis with all Financial Aid and financial planning issues.

Financial assistance is available for eligible students through both Endicott and federal and state programs. These programs allow students to use gift and self-help funds to pay for their education. Approximately 84% of Endicott’s students receive some form of financial aid. The average student indebtedness upon graduation is $16,136, from federal and institutional sources. Individual student debt may be higher if private loan sources are utilized.

To qualify for financial aid, a student must be a United States citizen or eligible non-citizen, be enrolled in an approved program, and be in good academic standing. Most of the aid programs require that a student demonstrate financial need. The family contribution is determined by submitting the Free Application for Federal Student Aid (FAFSA). Financial need is defined as the difference between the cost of education and the amount the student’s family can be expected to contribute.

Every applicant’s financial situation is evaluated carefully so that each financial aid award will accommodate a student’s particular needs. All students must reapply for financial aid each year and must maintain satisfactory academic progress to remain eligible.

Each year the College establishes grants that help deserving students augment government and private financial assistance.

Frances Alexander Scholarship
This scholarship was established to recognize a resident student from the North Shore area, majoring in Education, who best exemplifies high ideals and dedication to children. Established by Frances Alexander, former Trustee of Endicott College.

Alumni Council Scholarship
This scholarship was established through the generosity of the Endicott College Alumni Council to be awarded annually to a family member of an alumna/us.

Appleseed’s Scholarship
Established in 2005, this scholarship will be awarded to an academically strong third or fourth year student who is majoring in Business with a career interest in retail management.

William B. Ardiff Scholarship
Awarded annually to a returning student who demonstrates a strong commitment to academics, leadership, and the community. Established in memory of William B. Ardiff, Trustee of Endicott College from 1979 through 1986.

Jennifer Atkinson Memorial Scholarship
This scholarship, created in memory of Jennifer Atkinson, is awarded annually to a returning student who demonstrates a desire to use his or her talents to enhance the lives of others. Students from all areas of the College are eligible to apply. Established by Joyce and Lynwood Krischke, Trustee of Endicott College.

Bierkoe Scholarship
This scholarship will be awarded to a student of Christian faith (preferably Lutheran) based on financial need. Established by the Foundation of Evangelical Lutheran Church in America in memory of George and Eleanor Tupper Bierkoe.

Edith Browning Bliss ‘42 Endowed Scholarship
Created to honor Edie for all that she did for the College and for the students that she helped for so many years. Awarded to a student majoring in Hospitality Management who exemplifies the same warm traits of Edie and who demonstrates high academic standards and high financial need.

J. David Broudo Scholarship
Awarded each fall to incoming, first-year art and design students as a gift from the former Dean of the Division of Art and Design. Visual and Performing Arts faculty select recipients; criteria include artistic talent as evidenced in a portfolio presentation, letters of recommendation, extracurricular activities, and test scores. Students should bring to campus a high school portfolio of original art for review, when they arrive in the fall semester.

A. Joseph Callahan, Jr. Scholarship
Established in memory of A. Joseph Callahan, Jr. Chairman of the Board of Trustees of Endicott College from 1986 to 2007. His strong belief in the importance of an Endicott education created a strong voice for students. The great success of Endicott between 1990 and 2008 was his legacy. This scholarship will be awarded annually to a student from the North Shore.

Frances Genneco Callahan Scholarship
Awarded annualy to a deserving student who exemplifies a strong commitment to helping others. Established by Frances Genneco Callahan, wife of Endicott College Trustee and Chair Emeritus, A. Joseph Callahan, Jr.

Judith and Charles Clayman Scholarship
Awarded annually to benefit a deserving student majoring in Physical Education or Sport Management. Established by Dr. Charles and Judith Clayman.

Coard Urban College Scholarship
Full scholarships covering tuition, room, board, and fees less any state and federal grants for selected students graduating with an Associate degree from the Urban College of Boston, Massachusetts. The recipient must be in good academic standing and have financial need.

Barbara Sloan ‘51 Constable Scholarship
Awarded annually to a junior or senior who has a high financial need and has demonstrated high academic standards. Established by Bob and Bobbie Sloan ‘51 Constable.

Bourke Corcoran Memorial Scholarship
Awarded annually to an Endicott student with financial need who is recognized as exemplifying the spirit of friendship, loyalty, and concern for others. Established in 1998 by the Corcoran family in memory of their son, Bourke, who was to have been a member of the Class of 2002.

Barbara Decker Memorial Scholarship
Established in memory of Barbara Decker who served Endicott faithfully for many years, lastly in her role as Registrar. This scholarship is awarded to an individual of high character who is making outstanding contributions to the College and the community.

Alan Dunphy Memorial Scholarship
Established in memory of Alan Dunphy, a dedicated professor who taught at Endicott, for the purpose of recognizing an outstanding student who is majoring in Interior Design.

Electric Insurance Community Service Scholarship
Established to recognize a student’s outstanding contribution to his or her community through volunteer work. The recipient must participate in an ongoing community service project during the academic year.

Endicott College Community Service Scholarship
This is a competitive scholarship program for returning students who have demonstrated a special commitment to community service projects. Recipients will be required to participate in a community service project during the next academic year.

Endicott Family Grant
If two students from the same immediate family are enrolled full time in the day division, a 10% reduction in tuition will be awarded. This reduction will be credited 5% to each account. If additional family members enroll, the third member will be awarded a 10% reduction of tuition.

Endicott Grants
Awarded on a funds-available basis to students who have demonstrated financial need.

Endicott Health Sciences Scholarship
Awarded to full-time students majoring in Nursing. Renewal of this scholarship is guaranteed if a GPA of 2.5 is maintained. Changes in residency status (resident to commuter and vice versa) will effect the amount of the award.

Karen Beck Felton ‘61 Scholarship
The funds generated by this endowed scholarship will benefit a student who maintains a high level of academic standards with a demonstrated level of high financial need.

Founders’ Scholarship
Awarded annually to a student from the North Shore area. The scholarship was made available through the generosity of Dr. George Bierkoe and Dr. Eleanor Tupper, co-founders of the College.

General Magnaplate and Candida ‘72 and Edmund Aversenti Scholarship
Established to assist students in the Keys to Degrees program for single parents, and is awarded to a deserving student with demonstrated financial need and strong academic merit.

Holland and Knight Scholarship
Established by the Holland and Knight Charitable Foundation to benefit a student participating in Endicott’s Keys to Degrees single parent program.

Honors Program Scholarships
Scholarships in the amount of $2,500 are awarded annually to members of the Honors Program. Selection is based on academic achievement, community leadership, an essay, and faculty recommendations.

Class of ‘52 Internship Scholarship
Awarded annually to a senior doing a semester-long internship to help defray travel costs.

Koster Insurance Scholarship
Awarded annually to benefit a student in Endicott College’s Keys to Degrees program for single parents. Established by Teresa Koster.

Joyce Whitehaun Krischke Memorial Scholarship
Established in memory of Joyce Whitehaun Krischke, wife of Lynwood Krischke, Trustee of Endicott College. Awarded annually to a student who has conquered adversity because of personal or family circumstances. The recipient must exhibit Joyce’s tremendous ideals and values.

Hannah Lane MH ‘20 and Priscilla Deacy MH ‘42 Donahue Scholarship
Awarded annually to a second-year Nursing student who excels academically. Preference will be given to a student from the city of Malden, Massachusetts. Established by Priscilla Deacy Donahue MH ‘42 and the Malden Hospital School of Nursing in memory of Hannah Lane.

Jane Lang Memorial Scholarship
Established in memory of Jane Lang, a caring and dedicated tutor in the Academic Support Program. This scholarship will be awarded to a returning student in the Academic Support Program who demonstrates superior effort and improvement.

Debra Laganas ‘74 Memorial Scholarship
Awarded annually, this scholarship is given on the basis of professional potential. The Laganas Scholarship is given in memory of Debra Laganas (Class of ‘74) and was created by her family, classmates and friends.

Shannon Leahy Memorial Scholarship
This scholarship is awarded to a returning Endicott student studying either Retail or Business and is based on academic achievement. Established by Appleseeds, Inc. of Beverly in memory of Shannon Leahy.

Linda Johnson LeMieux ‘58 Scholarship
The funds generated by this endowed scholarship will benefit a student who maintains a high level of academic standards with a demonstrated level of high financial need.

Bishop Makris Scholarship
Established by the Bishop’s Wish charitable endeavor of the St. George Greek Orthodox Monastary to benefit a student participating in Endicott’s Keys to Degrees single parent program.

Malden Hospital School of Nursing Alumni Scholarship
Established by the Malden Hospital School of Nursing Alumni Association to be awarded to students with exemplary academic standing majoring in Nursing.

Dr. Ernest Mannino International Scholarship
Established by the College to honor the founder and first director of the Office of Overseas Schools, U.S. Department of State, Washington, D.C. The scholarship is given to encourage students who seek international experience and study as part of their career goals.

Ann Hart Miller ‘56 Scholarship
This scholarship is awarded to a student with demonstrated financial need, who is recognized for his or her strong academic merit and who is majoring in Communication.

Sara O’Meara/Childhelp USA Intern Scholarship
Endicott College has established a one-semester tuition scholarship for a fourth-year student interested in working with children of abuse and neglect as part of his or her internship. Established to honor alumna Sara O’Meara ‘54, co-founder of Childhelp USA.

Dolores Ouellette Scholarship
The recipient of this scholarship must demonstrate a balanced commitment to scholarship, nursing practice, and the community. Established by the Endicott Board of Trustees in honor of the founding chairperson of the Nursing program, Dolores Ouellette.

Linda ‘65 and Richard Plummer Scholarship
This scholarship will be awarded to financially assist, on alternating years, one traditional undergraduate and one student participating in Keys to Degrees, Endicott’s program for single parents. The deserving student will demonstrate strong academic merit and financial need.

Helen Young Post ‘52 Scholarship
Awarded annually to third- or fourth-year students majoring in Business with an emphasis in Entrepreneurship. Recipients must demonstrate scholastic achievement, community effort, and social responsibility. The scholarship was made available through the generosity of Helen Young Post, an alumna of Endicott College.

John Jeffrey Post Scholarship
Awarded annually to one or more youth members of The Community Church of Vero Beach, Florida. Recipients are selected by The Community Church Scholarship Committee. The award will consist of financial aid for one year matching the scholarship award of The Community Church Scholarship Committee.

Presidential Academic Scholarship
Awarded annually to full-time Bachelor degree candidates, the scholarships are determined on the basis of merit. Rank in class, GPA, extracurricular activities, and achievements on the SAT determine eligibility. Renewal of this grant is guaranteed for four years if a cumulative minimum 3.0 GPA is maintained. Changes in residency status (resident to commuter and vice versa) will effect the amount of the award.

John M. Ryan Memorial Scholarship
Awarded annually to a student participating in the Keys to Degrees program for single parents. Established by the Nellie Mae Educational Foundation.

Niels Erik and Elizabeth Olga Scholer, RN, BSN Endowed Scholarship
The Niels Erik and Elizabeth Olga Scholer Scholarship was created by Dr. Anne Marie Scholer in honor and memory of a father and husband. The scholarship will be awarded to a student who is a loyal, contributing member of the Endicott College community and who is the first in his or her family to go to college.

Jean Shanning ‘61 Smock and Martin V. Smock Scholarship
This scholarship will be awarded annually to a student who is a member of the College Crew Team and has high academic standards.

Jack and Judy Shields Scholarship
Through the generosity of Jack and Judy Shields, this scholarship is awarded to an undergraduate student with demonstrated financial need and strong academic merit.

Anna Moyer Steidel and G. Theodore Steidel Scholarship
This scholarship is awarded to returning students with leadership qualities and a strong academic record. Established in memory of the parents of Nancy Steidel Desnoyers ‘50.

Tupper Family Scholarship
Awarded annually to a returning student. It is named for and funded by Tupper Family Association of America, Inc. The recipient is selected based upon his or her tremendous academic achievements and involvement in the activities on campus.

Tupper Single Parent Program Endowed Scholarship
Established by the Pierre and Margaret Heftler Foundation to be awarded to a student participating in the Keys to Degrees program for single parents.

Wylie Family Scholarship
Awarded annually to a student who overcomes adversity and challenge. The recipient will demonstrate need and a commitment to improving conditions that hinder or stop others from learning.

Yawkey Foundation Scholarship
Established by the Trustees of Yawkey Foundation II to help provide tuition support for financially needy students enrolled in the Keys to Degrees program for single parents.

Thomas A. Yawkey Scholarship
Awarded annually on the basis of academic excellence. Recipients must be graduates of a New England high school. The scholarship is open to students in all majors. Established through the generosity of Mr. and Mrs. Joseph LaCour.

James G. Zafris, Jr. Endowed Chair Scholarship
Awarded to students majoring in Business, with the recipients to be selected by the Zafris Endowed Chair Committee. One half-tuition scholarship will be offered to an incoming student, renewable based on the recipient maintaining a minimum GPA of 3.0, and one scholarship to a current student.

Federal Pell Grants
Non-repayable funds made available to students through the federal government. The individual awards for the 2008-2009 academic year range from $400 to $4,731, depending upon the student’s financial need. These funds are used as the foundation of a student’s financial aid package and all applicants for aid at Endicott must apply for a Pell Grant.

Federal Supplemental Educational Opportunity Grants (FSEOG)
These grants are also based upon financial need and are awarded by the Endicott College Financial Aid Office. Priority is given to Pell Grant recipients.

Academic Competitiveness Grant (ACG)
These grants provide up to $750 for the first year of undergraduate study and up to $1,300 for the second year of undergraduate study to full-time students who are eligible for a Federal Pell grant and who have successfully completed a rigorous high school program, as determined by the state or local education agency and recognized by the Department of Education.  Recipients of an ACG grant must maintain a cumulative GPA of 3.0 to qualify for the grant as sophomores.

National SMART Grant
These grants provide up to $4,000 for each of the third and fourth years of undergraduate study to students who are eligible for the Federal Pell Grant and who are majoring in physical, life or computer sciences, mathematics, technology, engineering or in a foreign language determined to be critical to national security.  Recipients must maintain a cumulative GPA of 3.0 in their major field.

Federal Work-Study Program
Provides eligible students with the opportunity for employment. A student applies for positions offered both on and off campus. The amount of a Work-Study award is determined by the Endicott College Financial Aid Office and does not appear as a credit on a student’s bill. Placement is not guaranteed.

Federal Perkins Loans
Long-term, low interest (5%) federal loans awarded and administered by Endicott. The average award for the 2008-2009 academic year will be $1,000. This loan must be repaid, but there are no interest or principal repayments on a Federal Perkins Loan for borrowers until nine months after a borrower ceases to be at least a half-time student. Upon taking this loan, a student is advised of his or her rights and responsibilities regarding payment.

Federal Subsidized Stafford Loan
Provides federally insured funds of as much as $3,500 annually for the first year, up to $4,500 for second-year students, and up to $5,500 for third- and fourth-year students. These loans are based upon financial need and are borrowed through the student’s local bank. For new borrowers, the interest rate is fixed at 6%. Repayment begins six months after a borrower ceases to be at least a half-time student.

Federal Unsubsidized Stafford Loan
A loan program with terms and conditions very similar to Federal Stafford Loan is available to students regardless of need. Under this program, interest is the responsibility of the student while in attendance and for deferral periods.

Federal Parent Loans for Undergraduate Students (PLUS Loans)
Loan funds are available to credit-worthy parents of dependent students. This program is sponsored by the federal government and administered by local banks. These loans are not based upon financial need and parents may borrow up to the cost of attendance minus financial aid annually for each dependent student enrolled in an undergraduate school. The interest rate is fixed at 8.5% and repayment for new PLUS loans generally begins after the student is no longer enrolled..

State Financial Aid Programs
A state scholarship or grant is available from a number of state programs. Connecticut, Maine, Massachusetts, New Hampshire, Pennsylvania, Rhode Island, and Vermont awarded funds that were used at Endicott. Eligible Massachusetts residents received grants of up to $2,400 for their educational expenses.

Private Loan Programs
Endicott College participates in many private loan programs. The Financial Aid Office assists parents in applying for these private loans. For more information, please go to www.endicott.edu/financialaid, then select Apply for a Loan from the menu.

Endicott No-Interest Loan
Endicott College offers a no-interest loan program to a limited number of students who may not qualify for other need-based grant programs. Repayment begins six months following completion of the student’s studies at Endicott.

Payment Plans
Endicott College participates in an interest-free tuition payment plan to help make payment for college more convenient. Tuition Pay by Sallie Mae offers an opportunity to make interest-free monthly tuition payments to pay all or a portion of your education expense balance. There is no credit review and only a small application fee to enroll. Please contact the Financial Aid Office for additional information.

ROTC

Army
Applicants compete for four-year, three-year, or two-year full tuition scholarships. ROTC scholarships include books and fees, as well as a monthly stipend, ranging from $300 to $500. For additional information, call 978-232-2264.

Air Force
Applicants compete for In-College Scholarships for up to $15,000 and can also compete for an upgrade to 80-100% of total tuition. Nursing majors are eligible for Express Scholarships that are given out in the second semester of freshman year. The amounts of the Express Scholarships are $7,500 per semester. ROTC Air Force Scholarships include mandatory fees and $450 each semester for books as well as a monthly stipend ranging from $300 to $500 per month. For additional information, call (617) 253-4475.

Over and above Army and Air Force ROTC’s contribution, Endicott makes a commitment to assist participants with additional funding not to exceed the direct cost of attendance. Endicott’s potential contribution, therefore, could include 1) $5,000 awarded to ROTC participants receiving scholarships, and 2) up to an additional $6,000 for students enrolled in the School of Nursing. Financial Aid awards will be adjusted once the Financial Aid Office has received notification of acceptance into the ROTC program.

To apply for any Endicott, federal, or state funds, students must follow the instructions below. Be sure to pay close attention to all deadlines.

1. In order to apply for financial aid, please visit Endicott’s website: www.endicott.edu/financialaid for detailed information on Endicott’s application process.
2. Complete and forward an Endicott College Financial Aid Application. This form is available from the Office of Financial Aid or on Endicott’s website: www.endicott.edu/financialaid.
3. Complete the Free Application for Federal Student Aid (FAFSA). Endicott College’s FAFSA code is 002148.
   • You should complete the FAFSA on the Web or Renewal FAFSA on the Web for the 2008-2009 year. You will be required to use your PIN number to access the form and apply. If you need to apply for a PIN, please use the http://www.fafsa.ed.gov/ website.
4. Your application may be selected for a process called Verification. If you are selected for Verification, our office will notify you and you will be required to submit your 2007 Federal Tax Return and W-2s, your parent(s) 2007 Federal Tax Return and W-2s if you are dependent, and the completed Verification Worksheet. Additional information may be required depending on each student’s individual situation.
5. Mail the Endicott College Financial Aid Application, and other requested forms to:

Endicott College
Financial Aid Office
376 Hale Street
Beverly, MA 01915

It is essential that applicants for financial assistance fill out required forms correctly and apply on time. Students whose applications are incomplete or late may lose some forms of aid. Students must reapply for aid each year.

If you have any questions or would like additional information on the programs, please contact Endicott’s Financial Aid Office.