FINANCIAL AID AWARD GUIDE
2015-2016
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Dear Ripon College Student, You and your family now are facing the important issue of financing your Ripon College education. Paying for your education is a collaboration among you, your family, various government agencies, and the College. This guide contains information concerning the financial aid awards that are available to Ripon students as well as information about the College’s policies regarding aid. We hope that it will answer many of your questions as you and your family work out the details of your personal financial plan. After reading through the guide, feel free to write, email or call us if you need additional information or have any questions. Sincerely, The Office of Financial Aid
The Office of Financial Aid Smith Hall
Hours:
Monday through Friday 8 a.m. to 5 p.m. (academic year) Monday through Friday 8 a.m. to 4 p.m. (summer)
TABLE OF CONTENTS General Information......................................................................1 How Your Financial Need is Determined.....................................1 Financial Aid Process at Ripon.....................................................2 Student Financial Assistance Programs.......................................3 Loan Programs...............................................................................4 Federal Direct Loans......................................................................5 Parent Loans...................................................................................6 Private Loans..................................................................................7 Student Employment.....................................................................8 Tuition Payment Plans....................................................................8 Financial Aid Renewal Process.....................................................8 Additional Information .................................................................9 Rights and Responsibilities...........................................................11 Important Dates...........................................................................12 Estimated Educational Expense Worksheet..............................13
GENERAL INFORMATION
NEED IS DETERMINED
Financial aid consists of grants, scholarships, loans and work opportunities. The funding for these financial aid programs comes from Ripon College, the federal government, the state of Wisconsin and a variety of private sources. A Ripon College financial aid award is generally a combination of the various types and sources of aid. In order to establish eligibility for financial aid at Ripon College, you must:
The student and their parent(s) or spouse, if applicable, are considered to be the primary source of financial support for post-secondary education. Financial aid is intended to supplement, not replace, family resources. The formula for determining financial need: Cost of Attendance (COA) – Expected Family Contribution (EFC) = Financial Need
• Be enrolled in a regular academic program for a minimum of 12 credit hours per semester (full-time) to receive Ripon College funded financial aid. You must be enrolled for at least six credit hours per semester (half-time) to receive certain federal and state aid.
RIPON COLLEGE COSTS, 2015-16 Tuition $36,214 Room (Double Occupancy) $4,199 Board $3,978 Activity Fee $300 Total Annual Cost $44,691
• Be a U.S. citizen or eligible noncitizen with a valid Social Security number.
*Annual indirect costs to be considered: Books and Supplies: $750 Transportation: $1,100 Personal Expenses: $500
• Be registered with the Selective Service Administration, if required.
EXPECTED FAMILY CONTRIBUTION (EFC): Derived from the information
• Not be in default or owe a refund of any federal student aid.
you listed on the FAFSA, it measures your family’s financial strength to pay for school and to determine your eligibility for financial aid.
• Make satisfactory academic progress.
FINANCIAL NEED: This is the difference between Ripon’s COA and your EFC. If there is a remaining figure, you are considered to have financial need. If there is no remaining need after your EFC has been subtracted from the COA, you still may be eligible for merit-based scholarships and/or a Federal Direct Unsubsidized Loan.
HOW YOUR FINANCIAL 1
THE FINANCIAL AID PROCESS AT RIPON
6. If your record was selected for verification, you must complete the process with the Ripon College Office of Financial Aid before your financial aid can be credited to your student account. If you have not already used the IRS data retrieval tool, please go back into your FAFSA and retrieve your data; or, if you cannot or choose not to use the tool, please submit an IRS tax transcript for student and, if applicable, parent(s). Verification documents must be submitted no later than June 15 each year. If they are not received by the deadline, your aid could be changed or canceled.
1. The Office of Financial Aid reviews the results of your application and puts together an official “Financial Aid Award Letter.” 2. The award letter will reflect all federal, state and college aid being offered to you (including scholarships, grants, loans and Federal or College Work-Study). 3. Read your award letter carefully and complete the appropriate sections. Sign and return one copy of the “Financial Aid Award Letter” to the Office of Financial Aid or “Accept/ Decline” your awards on the portal at my.ripon.edu
7. Prior to the start of each semester, financial aid will be credited to your student account and you will be sent a bill. Bills for first semester are mailed after July 1, and bills for second semester are mailed after Dec. 1. Your student account is the record of your charges (tuition, room and board, etc.) and payments made to cover these charges. Questions regarding your student account may be directed to the Business Office at 920-748-8106.
4. If you accept the federal direct loan(s) offered to you on your award letter and you are a first-time borrower, you will be required to complete and sign a promissory note (a legal obligation to repay) before the loan is disbursed. In addition, you are required to participate in loan counseling prior to receiving your loan funds. The Master Promissory Note (MPN) and entrance counseling may be completed at www. studentloans.gov. (See page 5) 5. If you are offered and accept a Federal Perkins Loan on your award letter, you must complete and sign a promissory note before the loan is disbursed. You may complete the promissory note at Registration or in the Office of Financial Aid prior to the start of classes.
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STUDENT FINANCIAL ASSISTANCE PROGRAMS
Performance/Recognition Scholarships ROTC Award Diversity Award Ripon Communication Consortium Scholarship Fine Art Scholarships (Art/Music/Theatre) Boys/Girls State Award National Latin Exam Award UCC Award William J. Woolley History Scholarship Legacy Award Alumni Award National Merit Semi-Finalist Scholarship
GRANTS — are free money and do not have to be repaid. These awards are limited to students who demonstrate financial need as determined through the financial aid application process. Federally Funded Federal Pell Grant Federal Supplemental Educational Opportunity Grant (SEOG)
Ripon College Endowed Scholarships and Awards — are made available through the generosity and support of alumni, trustees and friends of the College. Recipients are designated based upon academic achievements and other accomplishments.
State Funded (limited to WI residents) Wisconsin Grant Talent Incentive Program Grant (TIP) Institutionally Funded Ripon College Grant Evans Grant Trustee Grant Go Grant
Please note that Ripon College gift/ grant aid is available for up to 8 semesters. Wisconsin Grants are available for up to 10 semesters. Students receiving Tuition Remission and ROTC awards must file a FAFSA each year they are enrolled.
SCHOLARSHIPS — Ripon College scholarships are awarded on a competitive basis to students in recognition of high academic performance or demonstrated areas of talent. They are renewable according to the criteria stated in your scholarship notification letter from the Office of Admission. The total of your scholarships may not exceed the cost of tuition.
Private or Outside Scholarships — are considered part of your financial aid award. Please notify the Office of Financial Aid in writing of any outside scholarships, including the dollar amount of each award.
Academic Scholarships Pickard Scholarship Founders’ Scholarship Gleason Presidential Scholarship Knop Science Scholars Program Faculty Scholarship Dean’s Scholarship Honor Scholarship Transfer Scholarship
SCHOLARSHIP POLICY — Ripon College scholarships may be applied only toward the cost of tuition. Therefore, if you receive a full-tuition scholarship from another source (e.g., ROTC, any outside scholarship, tuition remission, etc.) you no longer will be eligible for the dollar amount of your Ripon College scholarship.
State Scholarships Academic Excellence Scholarship International Student Scholarship
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LOAN PROGRAMS — Loans are
ATTENTION FIRST-TIME DIRECT LOAN BORROWERS — The U.S. Department of
borrowed money that must be repaid with interest. You are not obligated to accept the loan amounts offered. Declining or reducing your requested loan amount will not affect other forms of aid.
Education requires all first-time borrowers to complete a Loan Entrance Counseling session before receiving their loan. A counseling session can be completed online at www.studentloans.gov. (See page 5)
Federal Perkins Loan — Awarded to high-need students and may range from $500 to $5,500 per academic year. No payment is due and no interest accrues as long as the student is enrolled at least half-time. Repayment begins nine months after the student ceases halftime enrollment. The interest rate during repayment is 5% for all borrowers.
Federal Direct Parent Loan (PLUS) — Parents also may borrow to pay educational expenses for dependent undergraduate students. The yearly limit of a PLUS is equal to the student’s cost of attendance (COA) minus any other financial aid received by the student. The loan currently has a fixed interest rate of 7.21% and an origination fee of 4.3%. Repayment on principal and interest begins 60 days after the loan is fully disbursed. (See page 6)
Federal Direct Loan Subsidized Loans are available to students with demonstrated financial need. Payments on principal and interest are deferred as long as the student is enrolled at least half-time. The federal government “subsidizes” the interest during these periods.
Private Educational Loans — various private lenders offer education loans. These include loans to students (with and without co-signers), as well as to parents. Interest rates, deferment options and annual/aggregate maximum loan amounts vary by lender. For more information on these resources, contact the Office of Financial Aid or visit www. ripon.edu/fastchoice. (See page 7)
Unsubsidized Loans are awarded to students not eligible for the subsidized loan. Interest accrues to the student while in school but may be deferred and capitalized prior to entering repayment.
Maximum annual loan amounts are determined by grade level and dependency status.
Dependent Undergraduate(1) First Year Second Year Third Year and Beyond
Independent Undergraduate*(1)
First Year Second Year Third Year and Beyond
Eligible Subsidized Amount
Total Limit(2) (Subsidized & Unsubsidized)
$3,500 $4,500 $5,500
$5,500 $6,500 $7,500
Eligible Subsidized Amount
Total Limit (Subsidized & Unsubsidized)
$3,500 $4,500 $5,500
$9,500 $10,500 $12,500
1. The Financial Aid Office will determine your dependent or independent status. 2. A borrower may receive up to the entire amount in unsubsidized direct loans if the borrower does not qualify for a subsidized direct loan. The total amount received from direct subsidized and unsubsidized direct loans cannot exceed the indicated annual limits. Federal regulations, terms, and rates are subject to change. *Including dependents whose parents are unable to borrow under the PLUS program. Note: Loan fees of up to 3% may be deducted from your loan proceeds prior to disbursement to the college.
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PROCESSING FEDERAL DIRECT LOANS Master Promissory Note
General Instructions for processing federal direct loans
All incoming Ripon College students, who intend to borrow a federal direct student loan must complete a Master Promissory Note (MPN).
Please be sure to ACCEPT your financial aid awards on the My.Ripon portal Information you will need:
The MPN must be completed in 30 minutes or less – there is no save option so if you fail to sign electronically within the 30 minutes, you will need to log in and redo the entire application.
1. Your Social Security number . 2. Your PIN number (same as used for the FAFSA). This will be used to sign your MPN. 3. Your driver’s license number.
After you have completed the “Entrance Loan Counseling,” return to the home page.
4. Two references with different addresses and complete contact information including name, address, telephone number and email address.
To complete the process: 1. Select “Complete Master Promissory Note” then select “Subsidized/ Unsubsidized.”
5. Do not use the back button on your browser.
Federal Direct Student Loans (FDSL)— Entrance Loan Counseling
2. Review the pre-populated fields for accuracy and make necessary corrections.
All incoming Ripon College students, who intend to borrow a federal direct student loan must complete “Entrance Loan Counseling.” This process takes about 20 minutes to complete online. You will need a copy of your financial aid award letter to assist you.
3. Select Ripon College. 4. Enter all required information, including your driver’s license and state. 5. You will need to open all sections that are displayed which indicates that you have read the information provided – this includes reviewing the actual MPN.
To complete the process: 1. Go to www.studentloans.gov and login using your PIN. • Confirm your personal information then select “Complete Counseling” from the menu.
6. Review the information and then type in your name at the bottom of the page and “click” sign.
2. You will need to select Ripon College so we receive the notification that you have completed this process.
7. You will receive an acknowledgement that you have submitted your MPN.
3. Complete all required sections and then submit. 5
Federal Direct Parent (PLUS) Loans Note to Parents: Depending on your financial circumstances, you may be able to find more favorable funding. Please contact the financial aid office at 920-748-8101 if you would like to discuss options. To apply for the PLUS, a Free Application for Federal Student Aid (FAFSA) must be on file for the student. If an application already has been submitted and the award notification has been received or the application is in process, you can continue to the next step.
To complete the MPN, return to the home page.
All parents who wish to take out this loan must apply for the PLUS and complete a Master Promissory Note (MPN).
1. Select “Complete Master Promissory Note” then select “Parent PLUS.” 2. Review the pre-populated fields for accuracy and make necessary corrections.
To apply: 1. Go to: www.studentloans.gov.
3. Select Ripon College.
2. Log in to the website using your information, including your FAFSA PIN.
4. Enter all required information, including your driver’s license number.
3. Select “Request Direct PLUS” – Loan type is “Parent PLUS.”
5. You will need to open all sections that are displayed, which indicates that you have read the information provided – this includes reviewing the actual MPN.
4. Enter all required information and select Ripon College so we receive the request. 5. Borrower information is for the parent.
6. Please indicate the amount you would like to borrow. If you have questions, contact the financial aid office.
6. Student information is your son or daughter. 7. Submit the application.
7. Review the information and then type in your name at the bottom of the page and “click” sign.
8. You will receive an immediate credit decision.
You will receive an acknowledgement that you have submitted your MPN. 6
Private/Alternative Student Loans Review the terms and conditions for each lender prior to selecting a lender to use for the loan. Below is a list of questions you may want to ask the lender prior to applying:
Loans of Last Resort To apply for a Private/Alternative Student Loan, you first must complete the Free Application for Federal Student Aid (FAFSA). If you have already applied and received your award notification or your application is in process, you can continue to the next step.
1. What is the current interest rate? 2. Is the interest rate fixed or variable? A fixed rate will stay the same for the life of the loan. A variable rate usually changes annually. When looking at a loan with a variable rate, ask your lender to which base rate your interest is tied (Prime Rate, LIBOR, 91 Day Treasury Bill).
It is strongly recommended that you exhaust your federal and/or state financial aid options prior to seeking these loans. In most cases, a co-signer will be required to obtain this type of loan. A co-signer also will increase your chances of receiving a loan with more favorable terms.
3. When do I have to start paying back my loan? 4. How long can I take to pay back the loan after I graduate? 5. What happens if I decide to pursue a master’s degree?
To apply for this loan, go to: https:// choice.fastproducts.org/FastChoice/ home/388400/2 and follow the instructions.
6. Are there loan fees? If so, what are they? 7. How are the loan fees assessed? (Some loan fees are taken out of the approved loan amount, while others have fees added to the loan balance.)
The lenders listed on the website are intended to provide you with a starting point. If you can find a lender with better terms and conditions, Ripon College will accept the application and certify it. The Financial Aid Office will continue to add lenders to the list of options based on the quality of the product.
8. What are the co-signer requirements? After you are approved for the loan, you will need to complete a “Self Certification Form” provided by the lender. The form will ask for the Cost of Attendance at Ripon, your amount of awarded financial aid from Ripon College and the difference between these numbers. This information can be found on your financial aid award letter. 7
STUDENT EMPLOYMENT PROGRAMS (FEDERAL WORK STUDY OR COLLEGE WORK STUDY)
To access the online system, go to my.ripon.edu, log in, click on the student tab and enter the financial aid section.
— is a form of financial assistance consisting of earnings from a parttime job. Employment earnings are received by monthly paycheck and are not credited directly to your student account.
Please contact the Office of Financial Aid at financialaid@ripon.edu, or call 920-748-8101 if you need assistance.
THE FINANCIAL AID RENEWAL PROCESS
Ripon College does not assign students to jobs. Detailed information on available jobs and employment procedures will be made available to students via the Ripon College website.
All financial assistance administered by the Office of Financial Aid at Ripon College is awarded on an annual basis. Most types of Ripon College funds are renewable depending upon satisfactory academic progress, demonstrated financial need, and any other resources a student may receive. A review of your eligibility must be made annually. A fully completed renewal FAFSA must be received by the federal processor no later than April 1 each year. The importance of this deadline cannot be overstated. Students who file their FAFSA after April 1 may lose eligibility for Ripon College funds as well as federal and state aid.
TUITION PAYMENT PLANS — Tuition Management Systems (TMS) provides an interest-free monthly payment option to Ripon College families. For more information, visit the TMS website at www.afford.com, or contact TMS directly at 800-722-4867 or the Ripon College Business Office at 920-748-8106.
MyRipon Portal — The MyRipon Portal (my.ripon.edu) is Ripon College’s online intranet. With your personal user ID and password, you can:
• Check the status of your financial
If your family does not complete your federal income tax return by April 1 of a given year or are filing an extension, use estimated income figures to complete the forms and submit a copy of the tax extension. You must meet the filing deadline even if your taxes are not done.
aid.
• View your financial aid award. • View a list of documents the financial aid office has received from you and a list of the documents still outstanding.
• Accept, decline or reduce your awards.
• View and download forms needed to complete your financial aid file.
• View your student account bill. • Make a payment on your account. 8
ADDITIONAL INFORMATION VERIFICATION
SATISFACTORY ACADEMIC POLICY
Each year, segments of financial aid applications are selected for review in a process called verification. This process confirms the data supplied by the applicant and/or parents on the FAFSA. If your application is selected for verification, our office will request the documents that are needed to complete the verification process.
Federal regulations require that all students receiving federal financial aid funds maintain standards of satisfactory academic progress in the pursuit of their degree. Regulations require that your entire academic history be considered, even if you have never received federal aid. The Satisfactory Academic Progress policy is outlined in the academic catalog and is also available via the MyRipon Portal.
Aid will not be posted to your account until you have submitted all requested documents and the accuracy of your information has been checked. These documents must be received by June 15 each year. If they are not received by this date, your aid may be reduced and/or cancelled. Any changes to your aid, as a result of the verification process, will be itemized in a revised award notification.
Three standards are used to measure academic progress for financial aid purposes: 1. Cumulative Grade Point Average 2. Credit Completion Rate 3. Maximum Time Frame Your progress will be monitored every semester. If at any time you do not meet the minimum satisfactory progress standards, you will be notified by the Office of Financial Aid. Continued failure to meet progress standards will result in the loss of your financial aid eligibility. You may appeal the loss of financial aid eligibility if extenuating circumstances interfered with your ability to meet satisfactory progress standards. The policy set forth by the Office of Financial Aid is separate and distinct from Ripon College’s academic progress standards, as issued by the Office of the Registrar.
WITHDRAWING FROM RIPON Withdrawing from Ripon College is a decision you should take very seriously. It is important that you visit each office on the withdrawal form when you are considering or have chosen to leave. When you withdraw from Ripon, you can lose some of your financial aid. Financial aid is earned each day you attend classes and, depending on when the withdrawal occurs, you may or may not have earned enough of your aid that would result in a balance being owed to Ripon College. Please contact the Office of Financial Aid for specifics when you have decided to withdraw from classes.
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SPECIAL CIRCUMSTANCES
off-campus programs of study. If you plan to study abroad, please contact the Office of Financial Aid to enable timely review and processing of your financial aid.
If you have had a significant change in your family’s financial circumstances, you have the right to have your financial need recalculated. These special circumstances may include, but are not limited to, loss of job, death, divorce/separation, major medical expenses and payment of tuition for elementary/secondary schools. However, an increase in need will not always result in an increase in your financial aid. Please contact the Office of Financial Aid to discuss your options.
CHANGES IN FINANCIAL AID AWARD Financial aid awards may be revised during the academic year because of changes in your family’s financial situation, changes in your enrollment or housing status, notification of outside scholarship awards, etc. A financial aid award also may be changed as a result of verification if your eligibility has changed. You will receive notice of all financial aid changes, and every new award will replace all previous awards.
OFF-CAMPUS PROGRAMS An Off-Campus Study Grant, available through Ripon College, may be applied to affiliated off-campus programs. Only federal and state financial aid is available for approved non-affiliated
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RIGHTS & RESPONSIBILITIES
You have the responsibility to:
• Provide accurate and factual
Our staff will do everything possible to assist you in obtaining financial assistance and information. Ripon College strives through its publications and other communications to provide schools, parents and students with factual information about its costs, aid opportunities, programs, practices and policies. Our office does not discriminate on the basis of race, age, color, religion, sex, disability or national origin.
information on all financial aid forms.
• Provide any additional information requested during the application process, which may include IRS tax information, verification worksheets, or other required documentation.
• Be aware of financial aid deadlines. • Notify the Financial Aid Office of any change in name, address, marital status or credit load.
You have the right to:
• Use financial aid for educational
• Seek financial aid counseling. • Receive information about how your
expenses only.
• Meet Satisfactory Academic
aid award was calculated.
Progress requirements to maintain eligibility for financial aid.
• Have your financial need reviewed
• Report any additional financial
through an appeal process if you or your family’s financial circumstances change.
aid you receive such as scholarships, outside grants or other tuition assistance.
• Know how much aid you will receive
• Repay all loans or prior over-award
each semester and when it will be disbursed or applied to your account.
of financial aid according to your truth-in-lending and promissory notes. If you are in default on a loan, you are not eligible for additional financial aid. For information on repaying your student loans, visit Student Aid on the Web (fsa.ed.gov).
• Know the terms of any work-study award offered.
• Know the interest rate, as well as the amount, method and starting dates of repayment for any loan offered.
• Access your financial aid file. • Know that the information you give
• Notify the Financial Aid Office if you are in default on an education loan or owe financial aid repayments.
to the Financial Aid Office will be treated confidentially. Information from a student’s file will not be released to anyone without a signed release from the student, except to Ripon College staff and financial aid donors.
If we obtain information which conflicts with data on your application materials, your awards could be changed or canceled. Funds obtained on the basis of false information will have to be repaid, and you will be subject to criminal prosecution.
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Important Dates and Next Steps First Semester Aug. 22 Aug. 22 Aug. 24 Aug. 25 Aug. 26 Oct. 2 Oct. 3 Oct. 3 Oct. 16 Oct. 26 Nov. 26 Nov. 27 Dec. 11 Dec. 14 Dec. 16 Dec. 18
Residence halls open for new students Matriculation Convocation, 3 p.m. Residence halls open for returning students Registration Classes begin Family Weekend begins Family Weekend concludes Homecoming Fall vacation begins, 5 p.m. Classes resume Thanksgiving Day; classes suspended Classes suspended; Commons, residence halls open Last day of classes Final examinations begin Reading day Last day of final examinations
Second Semester Jan. 17 Jan. 18 Jan. 19 March 11 March 21 April 20 May 3 May 4 May 5 May 11 May 15
Residence halls open for all students Registration Classes begin Spring vacation begins, 5 p.m. Classes resume Awards Convocation, 7 p.m. Last day of classes Reading day Final examinations begin Last day of final examinations Commencement
Accepted Student Days Choose one of two days this April: Friday, April 10, or Friday, April 17 More details to come in early spring
Key Contacts Frequently Called Telephone Numbers Admission 800-947-4766 Business Office 920-748-8106 Dean of Students 920-748-8111 Financial Aid Office 920-748-8101 Food Service 920-748-8138 Health Services 920-748-8141 Housing Office 920-748-8186 Registrar’s Office 920-748-8119
Summer Orientation Choose from one of three sessions this June: Session 1: Monday, June 22 - Tuesday, June 23 Session 2: Tuesday, June 23 - Wednesday, June 24 Session 3: Wednesday, June 24 - Thursday, June 25
Required Forms: Deposit: Due May 1, 2015 required Housing Application: Due May 1, 2015 required Health Information Form: Preferred May 1, 2015/Due Aug. 1, 2015 Educational Planning Form: Due May 1, 2015 Foreign Language Placement Survey Final High School Transcript Due July 1, 2015 12
ESTIMATED EDUCATIONAL EXPENSE WORKSHEET Use this worksheet to help determine your billing costs for the upcoming school year. The comprehensive fee for full-time students for the 2015-16 academic year is: Tuition $36,214 Activity Fee $300 Room $4,199 Board $3,978 TOTAL $44,691
CHARGES
Tuition
$___________________
+ Activity Fee
$___________________
+ Room (enter “0” if commuting)
$___________________
+ Board (enter “0” if commuting)
$___________________
= TOTAL CHARGES $___________________
CREDITS
Enrollment Deposits made to Ripon
(First-time students $100, continuing $0)
$___________________
+ Total scholarships and grants $___________________ from all sources (include tuition remission, outside gift aid, etc.)
+ Federal Perkins Loan
$___________________
+ Federal Direct Loan
$___________________
(accepted amount from Award Letter)
(a processing fee of up to 3.0% may be deducted from your loan proceeds prior to disbursement, example: $3,500 x 97.0%=$3,395)
= TOTAL CREDITS $___________________
BALANCE
TOTAL CHARGES – TOTAL CREDITS = ESTIMATED BILL (full year) /2 ESTIMATED BILL (per semester)
$___________________ $___________________ $___________________ $___________________
*Please keep in mind there are additional costs associated with attending Ripon College. Please refer to the indirect costs section in this booklet for more information.
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Office of Finanical Aid 300 West Seward Street Ripon, Wisconsin 54971 877-742-9532 Phone 920-748-8101 | Fax 920-748-8370 financialaid@ripon.edu
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