Financial Aid

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FINANCIAL AID FAQS

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:

CLICK HERE TO WATCH

How do I create an FSA ID in order to file for the free application for federal student aid (FAFSA)?

The FSA ID is a username and password for completing federal financial aid documents. Both you (if a dependent student under 24 years of age) and your parent need an FSA ID to sign the Free Application for Federal Student Aid (FAFSA). If you are an independent student (age 24 or older or married), you and your spouse, if applicable, will need an FSA ID. Thus, you and anyone contributing information to the FAFSA (like a parent or spouse) will need an FSA ID and must apply for it prior to filing the FAFSA as it will take about 3-5 business days for approval. If you do not already have an FSA ID, you can create one here.

Do you have special or unusual circumstances requiring the Financial Aid Director’s Professional Judgment (PJ)?

If you and your/family feel you have special or unusual circumstances which may or may not include those outlined below, please contact the Financial Aid Director by phone (978-478-3422) or email ([email protected]). Specific and timely documentation will be required from you to allow the Financial Aid Director time to review your situation and make a determination for an adjustment to your financial aid offer, if applicable.

 

SPECIAL CIRCUMSTANCES are summarized but are not limited to the following:

  • loss of employment
  • changes in income
  • excessive medical or dental bills (already paid)
  • divorce or death of parent/spouse after the FAFSA was filed

 

UNUSUAL CIRCUMSTANCES are unique or unusual situations specific to a particular student. They are summarized, but are not limited to, the following:

  • abuse
  • abandonment by parent(s)
  • asylum
  • incarcerated parents

 

UNACCOMPANIED HOMELESS YOUTH DETERMINATION

If an applicant believes he or she is homeless or at risk of being homeless but is unable to answer “yes” to any of the FAFSA questions regarding homelessness AND cannot provide documentation for such, the Financial Aid Director has the authority to make a homeless youth determination based upon a documented interview with the applicant and appropriate documentation, if necessary.

Please contact the Financial Aid Director by phone ((978-478-3422) or email ([email protected]) for an interview to discuss your situation. The Financial Aid Director’s Determination of Student Homelessness form will need to be completed.

 

PROVISIONAL INDEPENDENT STATUS:

If the student indicates provisional independent status on his/her FAFSA, the Financial Aid Director may request specific documentation as proof as to the reason the student thinks he or she is independent.

The Financial Aid Director will reach out to dependent students who do not provide parental data on the FAFSA regardless of the reason.

The Financial Aid Director does not have to approve every request if there is not sufficient documentation to support the approval.

 

Institutional procedures when special or unusual situations are presented

Based upon HEA 479A(c) [20 USC 1087TT(c)(2)(B)], GEN-22-15, and upon receiving the accepted student’s FAFSA/ISIR, the Financial Aid Director will:

Notify the student after receiving the Institutional Student Information Record (ISIR) of the institution’s process, requirements, and timeline for a professional judgment (PJ) determination/adjustment that will result in a review of the student’s request for a dependency override within a reasonable time frame after the student completes the FAFSA,

  • Provide the student with a final determination of the student’s dependency status and Title IV aid offer as soon as practicable after all requested documentation is received,
  • Retain all documents related to the dependency override, including documented interviews, for at least three years after the student’s last enrollment, and shall abide by all other Title IV recordkeeping requirements; and
  • Presume that any student who has obtained a dependency override for any preceding award year at an institution of higher education to be independent for each subsequent award year at the same institution unless the student informs the institution that circumstances have changed, or the institution has specific conflicting information about the student’s independence.

Documentation: Under HEA 479A(a)(2) [20 USC 1087TT(a)(2)], documentation must substantiate the special or unusual circumstances of an individual student and may include, but is not limited to:

  • A documented interview between the student and the Financial Aid Director
  • A Parent’s Disavowal of Support Form should be completed by a parent, if possible,
  • Submission of a court order or official federal or state documentation that the student or the student’s parents or legal guardians are incarcerated in any federal or state penal institution,
  • A documented phone call or a written statement, which confirms the specific unusual circumstances with:
    • A child welfare agency authorized by a state or county,
    • A tribal welfare authority or agency,
    • An independent living case worker, such as a case worker who supports current and former foster youth with the transition to adulthood, or
    • A public or private agency, facility, or program servicing the victims of abuse, neglect, assault, or violence, which may include domestic violence,
  • A documented phone call or a written statement from an attorney, a guardian ad litem*, or a court-appointed special advocate, a pastor, guidance counselor or any other person serving in a similar capacity which confirms the specific unusual circumstances and documents the person’s relationship to the student;
  • A documented phone call or written statement from a TRIO or Gaining Early Awareness and Readiness for Undergraduate Programs (GEAR-UP) representative, which confirms the specific unusual circumstances and documents the representative’s relationship to the student,
  • Documents, such as utility bills or health insurance documentation, that demonstrate a separation from parents or legal guardians,
  • In the absence of documentation described here, other documentation the Financial Aid Director determines is adequate to confirm the unusual circumstances; or
  • Supplementary information, as necessary, about the financial status or personal circumstances of eligible applicants as it relates to the special or unusual circumstances.

If the dependency override is approved, the school will carry that decision forward to future award years without collecting documentation unless the student reaches out to the school and indicates their circumstances have changed.

 

The Financial Aid Director will make the appropriate corrections on the student’s FAFSA/ISIR using the FAFSA Partner Portal.

If a student pursues provisional independent student status and is not determined to be an independent student by the Financial Aid Director’s determination, the student will only be eligible for a Direct Unsubsidized Loan. However, the student will still have the opportunity to subsequently update the FAFSA with parental data.

*A guardian ad litem is a lawyer, a volunteer or a mental health professional who determines the child’s needs, then works to ensure their best interests are upheld in court.

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

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?

School Lender List

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!

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.

 

*Booksestimated 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

HAVERHILL CAMPUS UNDERGRADUATE FEES FOR 2023-2024

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 CAMPUS GRADUATE FEES FOR 2023-2024

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:

 

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

 

*College Cafeteria available: Breakfast: $5.00, Lunch: $6.00, Dinner: $7.00

*Crestwood Kentucky has an additional $800 fee for the first semester.

 

 

 

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.