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You have access to a personalized Financial Aid Portal where you can locate your financial aid offer, aid requirements, and important messages about your aid eligibility. Please use the credentials you received upon acceptance to login to and ensure that you can access your financial aid portal. 

Eventually, you will no longer receive paper correspondence from the Office of Financial Aid Services and will only be notified via email to check AMOS when updates to your aid eligibility occur or action is required. 

Don’t finalize your college decision without finalizing your financial aid! You received a financial aid offer from �����紫ý based on the information currently known to the Office of Financial Aid Services. If you have any requests for missing items on your account, then your financial aid eligibility is “estimated” until all outstanding requests are submitted and reviewed. You can check on your missing items in your under “Documents & Messages.” Anything outstanding will have a status of “Not Received,” “Incomplete,” or “Not Signed.” Please take action so we can finalize your offer! 

As you explore the contents of your financial aid offer, please reach out to your Admissions Counselor or the Office of Financial Aid Services with questions that you have about your aid eligibility, net cost, and any change of financial circumstances your family may be experiencing. This step helps you see what your bottom line will look like, financially, if you were to attend �����紫ý. It’s also smart to compare �����紫ý’s offer to the offers you’ve received from your other schools of interest. 

Our goal is to make sure that you feel confident in understanding your financial aid information as you make an important decision and investment in your education. As you review your financial aid offer, here are some of the things that you should be thinking about:

• Are the types of resources that I am receiving merit-based, need-based, or both?
• Are the types of resources I am receiving “gift aid” (grants and scholarships that don’t need to be paid back) or “self-help aid” (loans and work-study)?
• What are the eligibility requirements that I need to meet in order to receive financial aid?
• Do I have to reapply for aid annually? How could my aid change from year to year?
• What is the Cost of Attendance? What will be billed to me directly by the University? What costs might I pay for out-of-pocket?
• What would my Net Cost look like without utilizing loans? What would I owe if I utilize loans?
• Will I need to use loans to bridge the gap between the Cost of Attendance and my Financial Aid Offer? What types of loan options are available?
• Do I expect to receive any external resources?
• Do I have any savings I plan to contribute?
• Is there a payment plan available?

We strongly encourage you to think about your education as not just a one-year commitment, but rather as a multi-year commitment from the day you step on campus until you graduate with your degree. 

As you think about your Financial Aid Offer and Net Cost, we encourage you to start thinking about the options that are available to help you bridge the gap between the cost of attendance and your financial aid resources. 

�����紫ý bills each semester (fall bills are released in July; spring bills are released in December). In addition to paying out-right or for a portion of the semester bill online, via check, or credit card (credit card payments are assessed a 2.95% fee on the transaction amount), the following options are available:

• Fall Monthly Payment Plan (starts on June 1)
  • �����紫ý offers an interest-free five-month payment plan in fall and spring with a $35 enrollment fee per semester.
• Payment from an Educational Savings Plan
  • This includes a 529 plan. You can also use these funds to cover the $500 enrollment deposit!
• Federal Parent PLUS Loan
  • For eligible parents of dependent undergraduate FAFSA filers.
• Private Alternative Loan 
  • Additional financing options to help cover the remaining direct and indirect costs after all other options are considered/exhausted. 
• Outside Scholarships
  • Continuously look for scholarships starting at $500 and up. Every amount counts and these are funds that never have to be repaid.
• Direct Payments from Savings Account
• VA Benefits
• �����紫ý Student Employment Program
  • All students may earn additional funds through on-campus jobs. Maximum earning caps do not apply. 

The Office of Financial Aid Services is here to help guide you through the financial experience at �����紫ý. Our financial aid advisors are available to assist with any questions you have, whether you wish to connect via email (finaid@moravian.edu), phone (610-861-1330), or face-to-face finaid@moravian.edu to set up an appointment or stop by our office in Colonial Hall).  You are encouraged to meet one-on-one with a financial aid advisor to thoroughly review your fnancial aid offer, calculate your total net cost, talk about payment and financing options, and discuss any special circumstances that you may be experiencing that aren’t represented on the FAFSA.

At the end of the day, you need to choose a school that is the best fit for you—academically, socially, and financially. Be sure to chat with your counselors from the Offices of Admission and Financial Aid Services to learn about the return on investment that a �����紫ý education can have for you and your future. 

To accept your offer of admission to �����紫ý, entering first-year students must pay the matriculation fee (“deposit”) by May 1. By submitting your deposit, you are accepting the gift aid (grants and scholarships), as well as any student employment offered to you. Accepting your offer of admission and financial aid does not obligate you to borrow student loans—you have the right to reduce or decline any offer of student loans. 

Cost of Attendance is an estimate of what a typical student pays to attend college for one academic year before any financial aid is applied. In addition to direct costs like tuition and fees, it also factors in indirect costs like basic living expenses. The U.S. Department of Education requires all colleges to provide a COA so families can compare costs.

Important: Remember that the COA includes estimated indirect costs along with current direct costs. Therefore, the COA is not the amount you will ultimately be billed. That’s OK! All schools should be doing the same thing so you and your family can compare apples to apples and not apples to oranges.

Net Cost is the remaining balance after all gift aid (grants and scholarships) has been deducted from the cost of attendance. Ultimately, net cost is the amount of money you need to cover via federal or private loans, educational savings plan funds, outside scholarships, employment earnings, or other savings.

Net Price is your estimated bill—the total remaining amount to be paid directly to �����紫ý after all financial aid (grants, scholarships, and loans) have been applied to your direct costs. Net price does not include any indirect cost estimates.