Financial Aid
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FINANCIAL AID FAQS
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What type of state aid is available?
What is a FASFA and how do I fill one out?
Here is a great student guide on the FAFSA:
How do I create an FSA ID in order to file for the free application for federal student aid (FAFSA)?
The FSA ID ― a username and password ― has replaced the Federal Student Aid PIN and must be used to log in to certain U.S. Department of Education websites. Your FSA ID confirms your identity when you access your financial aid information and electronically sign Federal Student Aid documents. If you do not already have an FSA ID, you can create one here.
Are you a Veteran?
At Northpoint Bible College, our mission is to teach and train you for excellent Pentecostal ministry. Part of this preparation involves being able to make sound financial decisions, starting with paying for college. Here are some resources for veterans that can help you along the way.
Under S2248 PL 115-407 Section 103, Northpoint Bible College will not impose a late fee, denial of access to facilities, or other penalty against a veteran or eligible dependent due to a late payment of tuition and/or fees from the VA up to the certified benefits amount. Any portion of the student bill not covered by VA benefits is still expected to be settled by the due date.
Links to required forms, federal, state, and institutional
Links
Entrance Counseling
Exit Counseling
Direct Loan Master Promissory Note
Exit Counseling for Massachusetts No Interest Loan
Forms
Addendum to Financial Aid Offer
Appeal for Reinstatement of Financial Aid Eligibility
Authorization to Release Financial Aid Information
Disability Certification
Discount Request Form
Employment Application
Federal Financial Aid Checklist Direct Loans Revised Feb 2022
Request for Special Circumstances Adjustments
Minimal Income Statement-Independent Student 2022-2023
Parent Special Circumstances Review Form
Homeless Youth Verification Form
Self Certification Form
Student Estimated Year Income Statement
Verification Forms
If you received a notice from the Financial Aid Office stating your file was selected for review in a process called verification, then you are in the right place. Verification is a special review of your FAFSA. To complete verification, we need specific forms from you. You should have received a letter or email from the Financial Aid Office requesting that you complete a specific verification worksheet (V1, V4, V5). Each worksheet is designed to verify certain elements on your FAFSA.
V1 Worksheet – Dependent Students
Verification Independent Student
Statement of Identity and Educational Purpose – Notary
IRS Form 4506-T
Where do I go for entrance and exit counseling?
- For Federal entrance counseling, visit this website.
- For Federal exit counseling, visit this website.
- As a Massachusetts resident who borrowed private loan funds from the State of Massachusetts, please complete Exit Counseling by following the steps below:
1. Go to http://www.ecsi.net
2. Enter the school code: 4F
3. Enter your social security number
4. Enter the 5-digit PIN from ECSI which should have been emailed to you
5. Click on “Manage your school loan account” and proceed to Exit Counseling
6. Contact ECSI at 1-888-549-3274 for assistance if needed
Under S2248 PL 115-407 Section 103, Northpoint Bible College will not impose a late fee, denial of access to facilities, or other penalty against a veteran or eligible dependent due to a late payment of tuition and/or fees from the VA up to the certified benefits amount. Any portion of the student bill not covered by VA benefits is still expected to be settled by the due date.
WHAT IS THE FINANCIAL AID CODE OF CONDUCT?
The following Code of Conduct is published in accordance with the statutory requirements of The Higher Education Opportunity Act (HEOA) of 2008 Section 487 (e) and applies to the officers, employees, and agents of Northpoint Bible College.
- Northpoint Bible College personnel will not enter into a revenue sharing arrangement with any lender.
- Northpoint Bible College personnel and/or their families will not receive “gifts” from any lender, guaranty agency or organization which services educational loans. A “gift” is considered any gratuity, favor, discount, entertainment, hospitality, loan, or other item having monetary value of more that $10.
- Northpoint Bible College personnel will not, for any first time borrower, assign, through the award packaging or any other method, the borrower’s loan to a particular lender, neither refuse to certify nor delay the certification of any loan based upon the borrower’s selection of lender.
- Northpoint Bible College personnel will not request or accept staffing assistance from any lender.
- Northpoint Bible College personnel will not accept any fee, payment or other financial benefit from any lender or affiliate as compensation for any type of consulting arrangement or contract to provide services to or on behalf of a lender relating to educational loans.
- Northpoint Bible College personnel will not request or accept any offer of funds from any lender to be used for private loans, including funds for an “opportunity pool loan”* to students in exchange for providing concessions or promises to the lender for a specified loan volume, specific number of the Title IV loans made, insured, or guaranteed, or for a preferred lender arrangement.
*Private education loan made by a lender to a student or the student’s family which involves a payment by the college to the lender for extending credit to the student.
What type of federal aid is available?
Pell Grant
This is awarded to eligible students based on need, and grants do not have to be repaid.
Supplemental Educational Opportunity Grant
This is awarded to the most needy students, and does not have to be repaid. These funds are limited, so an early FAFSA filing is necessary to receive this award.
Federal Direct Loan
This loan is obtained from the U.S. government’s Direct Loan program at low interest rates and consists of subsidized (the government pays the interest for you while you are in school) and unsubsidized (you pay interest while in school or allow it to accrue, that is, interest will be added to the principal amount and you will end up paying interest on interest) loans. Repayment of principal and interest begins six months after you graduate, withdraw, or drop below half-time status. Loans may not exceed your cost of attendance.
Federal Parent Loan (PLUS Loan)
This loan is issued by the U.S. government’s Direct Loan program to the parents of dependent undergraduate students who qualify. Repayment of principal and interest begins sixty days after the final disbursement.
Federal Work Study
This provides funds which student earns through an on-campus or community service job. Funds for this are limited so an early FAFSA filing is necessary.
Who should apply for financial aid?
In short, everyone. Each family’s circumstances are different and you will not know if you qualify for federal or state aid unless you complete the FAFSA. Your FAFSA can be completed online at http://fafsa.gov.
What scholarships are available?
Northpoint Bible College and the Assemblies of God offer a variety of scholarships and discounts. Click here for information and links to applications. Please note, the application deadlines are September 15th for the fall semester and January 15th for the spring semester.
DOES NORTHPOINT OFFER SCHOLARSHIPS?
Northpoint offers a variety of scholarships and financial assistance. Visit our Financial Information page for more information.
HOW CAN I OBTAIN PRIVATE LOANS?
Additional Lender List:
- Pickett & Hatcher Educational Fund
- Pickett & Hatcher Educational Fund is a private, nonprofit, noncommercial foundation helping college students through private student loans since 1938.
Private Lender Disclosures
- Citizens Bank
- Discover
- SoFi
- Sallie Mae
- Sparrow
- On Sparrow, you can search and compare real, personalized private student loan offers from over 17+ lenders through a simple, three-minute application. Sparrow provides a suite of analytical tools that make loan comparison easy, digestible, and visual. Using Sparrow is free and does not impact your credit score.
How can my parent apply for a parent loan?
Financial Literacy
Financial Literacy
Please follow the links below if you want some helpful tips on managing your finances. It may seem overwhelming at times, but there are a large number of resources that can help you! Additionally, if you would like to chat with us in the Financial Aid Office, we would be happy to walk you through some tips and point you in the right direction. Please send us an email, and we will respond as soon as possible!
- Practical Money Skills – a valuable website with a breadth of practical financial advice. Easy to follow.
- Mapping Your Future – more practical advice, along with available counseling.
- Mint – a budgeting and planning resource, great for 21st century.
- My Money.gov – simple advice about managing your resources.
- Citizens Bank Loan Advice – tips and information regarding student loans.
- Nerd Scholar – resources about financial aid and student loans.
- Simple Dollar – a debt payoff calculator, making a plan is important!
- Center for Leadership and Stewardship Excellence – equipping pastors and churches for financial freedom
- Nelnet – get financially fit
- Consumer Finance – offers clear, impartial answers to hundreds of financial questions
- Military One Source – offers free services and resources so you can prepare for a secure future
- US Department of Education – designed to help counselors and mentors assist postsecondary students in developing the skills necessary to make informed financial decisions
- SallieMae – financial literacy materials
Cost of Attendance Components
Northpoint Bible College’s Cost of Attendance Components
The Cost of Attendance (COA) is the estimated cost of attending Northpoint Bible College and consists of direct or actual costs (billed by the college) and indirect costs or allowances (not billed directly by the college but still a part of educational expenses i.e. textbooks and supplies).
The Cost of Attendance (COA) consists of the following:
*Charges for one academic year of tuition and fees
*Tuition – charges are assessed based upon the number of actual credits in the student’s course load
*Fees– charges are assessed for other services provided by the college such as technology, library, a security and identification (ID) card, student activity, yearbook, or new student orientation fee. Miscellaneous fees include vehicle registration, class audits, music lessons, and a usage fee for a refrigerator or air conditioner, if applicable.
*Housing-includes dormitory charges for on-campus students or an estimate for living expenses (rent and utilities) for off-campus students.
*Food -includes the cost of a meal plan and/or an estimate of the costs of food prepared or purchased off-campus to allow for 21 meals per week.
*Transportation– includes vehicle parking on-campus, travel costs to and from home/work/library, etc.
*Books– estimated costs for books, course materials, supplies and equipment (computer)
*Personal Expenses for laundry, recreation, personal hygiene, etc.
Health Insurance – includes purchase of the institution’s health insurance unless student has his/her own insurance and provides a photocopy of proof of insurance
Other expenses related to attendance such as dependent care, disability, loan fees, etc.
Sample Cost of attendance for Full time commuter
Sample Cost of attendance for on-campus Undergraduate
Sample Cost of attendance for on-campus Graduate
Sample Cost of attendance for on-campus 1 year certificate
GENERAL INFORMATION
- 2022-2023 Tuition & Fees
- 2022-2023 Online Tuition & Fees
- 2022-2023 Graduate Tuition & Fees
- 2022 Cohort Pricing
HAVERHILL CAMPUS UNDERGRADUATE FEES FOR 2022-2023
| Full-Time | Fall | Spring |
|---|---|---|
| Tuition ($425 per credit hour) | $6,375 (15 hour example) | $6,375 (15 hour example) |
| Housing/Dormitory (based double occupancy)* | $3,483 | $3,483 |
| Meal Plan A** | $2,418 | $2,418 |
| Fees | $801 | $595 |
| $13,077 | $12,871 |
*Campus housing is available to full-time students. Private room and part-time housing subject to approval by the Student Life Office. Married apartments are $425 or $550, or $650, or $1,000 per month based on availability. Apartments are limited.
**The meal plan is required if you are full-time and on campus. If you live off-campus or are taking under 12 credit hours, you are not required to purchase a meal plan.
Refundable Deposits
The room deposit (for on campus students) is $105, and the mailbox key deposit is $14. These can both get refunded at the end of your time at Northpoint if you meet the requirements.
Miscellaneous Fees
These only apply to some.
| Fee | Cost |
|---|---|
| Single Occupancy Room, additional fee | $804/semester |
| Refrigerator or A/C | $84/semester |
| Vehicle Registration | $63 on campus $40 off campus |
| Directed Research | $137/course |
| Audit Fee | $157/class |
| Music Lesson Fee | $419 |
| Online Learning Fee | $113/course |
Health Insurance
The Commonwealth of Massachusetts requires that all students who are enrolled at least 3/4 time and attending a college or university located in Massachusetts, have adequate health insurance coverage. Please contact your health insurance provider for more information.
Northpoint Bible College does provide medical insurance for an annual fee. The student is not required to purchase insurance through Northpoint, but must find a medical insurance provider that will meet the Massachusetts requirements.” The cost for the 2022-2023 academic year is yet to be determined.
Northpoint Credit Policies
- Fifty percent of semester charges are due at registration. Financial aid can be applied toward the down payment. The semester balance can be made in monthly installments or by equal payments of the remaining balance on October 15 and December 1 for the Fall semester. Spring semester payments dates are March 1 and April 15.
- Special billing charges and arrangements pertain to married students, please contact Northpoint Student Billing Office: [email protected] or (978) 478-34026.
HAVERHILL UNDERGRADUATE ONLINE TUITION & FEES FOR 2022-2023
| Full-Time | Fall | Spring |
|---|---|---|
| Tuition ($425 per credit hour) | $6,375 (15 hour example) | $6,375 (15 hour example) |
| Fees | $482 | $482 |
| $6,857 | $6,857 |
| Fee | Cost |
|---|---|
| Online Learning Fee | $113/course |
Northpoint Credit Policies
- Fifty percent of semester charges are due at registration. Financial aid can be applied toward the down payment. The semester balance can be made in monthly installments or by equal payments of the remaining balance on October 15 and December 1 for the Fall semester. Spring semester payments dates are March 1 and April 15.
- Special billing charges and arrangements pertain to married students, please contact Northpoint Student Billing Office: [email protected] or (978) 478-34026.
HAVERHILL CAMPUS GRADUATE FEES FOR 2022-2023
| Full-Time | Fall | Spring |
|---|---|---|
| Tuition ($492 per credit hour) | $5,904 (12hour example) | $5,904 (12 hour example) |
| Housing/Dormitory (based double occupancy)* | $3,483 | $3,483 |
| Meal Plan**: See below if on campus | ||
| Fees | $579 | $482 |
| $9,966 | $9,869 |
*Campus housing is available to full-time students. Private room and part-time housing subject to approval by the Student Life Office. Married apartments are $425-$850 per month and based on availability. Apartments are limited.
**The meal plan is required if you are full-time and on campus. If you live off-campus or are taking under 12 credit hours, you are not required to purchase a meal plan. Meal Plan A: 19 meals per week (or 200 meals per semester), Meal Plan B: 14 meals per week (or 165 meals per semester)
Refundable Deposits
The room deposit (for on campus students) is $101, and the mailbox key deposit is $13. These can both get refunded at the end of your time at Northpoint if you meet the requirements.
Miscellaneous Fees
These only apply to some.
| Fee | Cost |
|---|---|
| Single Occupancy Room, additional fee | $804/semester |
| Refrigerator or A/C | $84/semester |
| Vehicle Registration | $63 on campus $40 off campus |
Health Insurance
The Commonwealth of Massachusetts requires that all students who are enrolled at least 3/4 time and attending a college or university located in Massachusetts, have adequate health insurance coverage. Please contact your health insurance provider for more information.
Northpoint Bible College does provide medical insurance for an annual fee. The student is not required to purchase insurance through Northpoint, but must find a medical insurance provider that will meet the Massachusetts requirements.” The cost for the 2022-2023 academic year is yet to be determined.
Northpoint Credit Policies
- Fifty percent of semester charges are due at registration. Financial aid can be applied toward the down payment. The semester balance can be made in monthly installments or by equal payments of the remaining balance on October 15 and December 1 for the Fall semester. Spring semester payments dates are March 1 and April 15.
- Special billing charges and arrangements pertain to married students, please contact Northpoint Student Billing Office:
- Email: [email protected]
- Phone: (978) 478-3424.
Cohort Pricing
| Full-Time | Fall | Spring | Summer | ||||
|---|---|---|---|---|---|---|---|
| Tuition ($750 per class) | $1,500 | $1,500 | $1,500 | ||||
| Housing | $40/Night | $40/Night | $40/Night | ||||
|
Academy Dorm
|
$425/Month | $425/Month |
$425/Month
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