Financial Aid

Graduate Financial Aid

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Receive up to $20,500 per year with a Stafford Loan!

Financial Assistance is Available

For U.S. citizens and permanent residents, the options for financial assistance include federal and private loans. We encourage you to apply for financial aid at the same time you apply to graduate school.

Federal Unsubsidized Stafford Loans

These loans are available to graduate students carrying at least six credits or more per semester. Eligibility is based on the financial aid application materials submitted to the Student Financial Services Office.

An Unsubsidized Stafford Loan is not based on need and the interest is paid by the student while in attendance.
The Student Financial Services Office determines the maximum eligibility for student loans.

Please note: the lender may deduct origination fees from the face value of the loan before the loan funds are sent to the University to pay the tuition account. Student loan borrowers must complete a Stafford Loan Master Promissory Note along with Entrance Counseling (your rights and responsibilities as a loan borrower), before the federal Stafford Loan will be processed. Information regarding the Master Promissory Note and Entrance Counseling will be provided on the financial aid award letter mailed to you.

How to Apply
Complete the Free Application for Federal Student Aid (FAFSA) online. Designate on your FAFSA that you want your application information sent to Bay Path University by including school code # 002122.

Application Deadline
The FAFSA should be completed at least three weeks prior to the start of the semester to ensure the processed application is received by Bay Path University within two weeks prior to the start of the semester.

NetPartner

Welcome to NetPartner – your personalized Financial Aid Portal. Here you will have access to view your financial aid award, accept your award, and view any documentation you are required to submit to the Student Financial Services Office. This will provide you with 24 hour availability to retrieve your financial aid information.

Here's How it Works:

You will enter your Bay Path University ID Number and create a Password to log in to NetPartner. Student Financial Services will email accepted students their Bay Path University ID number. Accepted students will also receive their Bay Path University ID number with their award letter notification. Once you are logged in, there will be several tabs to choose from:

Names and Amounts of Your Awards
Your Payment Options
Documents Required
Messages About Your Aid
Student Loan Information
History of Your Bay Path Aid
Your Disbursement Information

Each tab will provide you with the pertinent financial aid information. If you have any questions or concerns, please feel free to contact our office for assistance at 413.565.1256 or by email at sfs@baypath.edu. Our hours of operation are Monday through Friday, 8:30am – 5:00pm.

Graduate Loan Plus

Students who wish to borrow additional funding above the maximum amount under the federal Stafford loan program may borrow through the Graduate PLUS Loan program. Approval of the loan is based on the credit worthiness of the borrower. The student must be enrolled at least part-time in a graduate degree program to apply for this loan. Maximum loan eligibility is based on the cost of attendance less other financial aid including the federal Stafford loan and scholarships.

Please note: the lender may deduct origination fees from the face value of the loan before the loan funds are sent to the University to pay the tuition account. Repayment usually begins after the first disbursement of the funds are sent to the University. Students may be eligible to defer payments if at least part-time enrolled. If payments are deferred, interest may accrue on the loan until repayment begins. The repayment term is up to 10 years.

Private Loans

These loans are based on the credit worthiness of the borrower, income-to-date ration and may require a co-signer. The information in the borrower’s and co-signer’s credit report will determine the interest rates qualified for. There is usually a minimum loan amount depending on the lender's requirements. The terms and conditions vary depending on the lender’s requirements. Borrowers may be allowed to defer payment of principal and interest on the loan while the student is enrolled in school. Note that you may borrow a private loan through any program that you choose. Be sure to maximize your federal loan eligibility before applying for a more expensive private student loan. Bay Path University provides a list of private loan lenders for your consideration on ELM Select. Explore this external website for:

Easy access to lender’s websites
The ability to compare loan programs side by side
Links to other helpful websites, such as loan payment calculator to help you estimate your loan payments
Information on rates and fees for private alternative loans from lenders who have worked with our students in the past

Employer Reimbursement

Any student receiving reimbursement from his or her employer may apply with the Student Financial Services Office to defer the majority of the bill until the end of the course. To qualify for deferment, at least two weeks prior to the first scheduled class, the Student Financial Services Office must have received the following:

The Bay Path University Tuition Deferment Application completed in its entirety, or the Bay Path University Tuition Deferment Application, without the Employer Acknowledgement section, if satisfactory documentation is received by the University from the employer which validates the student’s employment, employee’s eligibility for reimbursement, and employer’s reimbursement policy.
Documentation from the employer validating the amount of tuition reimbursement benefits remaining for current benefit plan, and the date that these benefits expire.
Payment via check, cash, Visa or MasterCard or American Express of the amount not covered by tuition reimbursement at the start of each semester.

The payment for the deferred portion of the bill must be made within two weeks from the last scheduled class date. Please note: the employer reimbursement information must be updated each semester.

For further information, students should contact Student Financial Services at (413) 565-1177.

“

Bay Path was always available via e-mail, phone or in person, as well as assistance with financial aid, they always quickly answered my questions. ”

Contact Info

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Student Financial Services

Bay Path University
588 Longmeadow Street
Longmeadow, MA 01106 413.565.1256 sfs@baypath.edu

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Graduate Financial Aid

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Financial Assistance is Available

Federal Unsubsidized Stafford Loans

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