Financial Aid Resources

Payment Options

Payment Options - Juniata College has partnered with Tuition Management Systems, a monthly payment plan provider. Families may choose to divide payments into even monthly installments (10 for new students, 12 for continuing) for easier budgeting. The plan requires an annual enrollment fee of $65, but assesses no interest or finance charges. Payment begins in July for new students, or May for continuing students.

Juniata College offers several methods of payment. Click here for details.

Federal Loans

Student Lending Code of Conduct

The William D. Ford Federal Direct Loan Program

There are two types of Direct Loans for students: subsidized and unsubsidized. Subsidized loans are need-based and the interest that accrues on the loan is paid by the federal government during periods of enrollment. Interest also accrues on the unsubsidized Direct Loans. However, interest payments must be made or the interest will be capitalized (added to the loan amount). New borrowers must complete an electronic Master Promissory Note and the online Entrance Counseling in order to receive the loan funds. The following instructions will help you through the process.

STUDENTS: (Federal Direct Loan) Students' Obligation To Repay

  1. Go to https://studentloans.gov and create an account.
  2. Complete the Entrance Counseling before completing the Direct Loan MPN. (Freshmen or first-time borrowers only.)
  3. Complete the Master Promissory Note, making sure to choose Juniata College.

PARENTS: (Federal PLUS Loan)

A parent may borrow up to the difference between the student's cost of attendance and the aid he or she may receive on an annual basis. Borrowers have up to 10 years to repay the loan and the principal payments can be deferred while the student is enrolled. If a parent is denied the PLUS loan for credit reasons, the student becomes eligible for an additional unsubsidized Direct Loan. The additional amount is based on year in college. Application instructions are below.

  1. Go to https://studentloans.gov/ and create an account.
  2. Complete the PLUS application request, indicating how much you want to borrow for the academic year.
  3. Complete the PLUS Master Promissory Note, making sure to choose Juniata College.

Alternative Loans

Alternative loans are educational loans offered through a private lender. In most cases, the student is the borrower; however, a credit-worthy cosigner is required for approval. Payments are usually deferred until after graduation or enrollment drops below half-time status. A student may borrow up to the difference between the cost of education and the aid he or she receives for the academic year.  There are a few lenders who are also offering alternative loans to parents.  Based on the credit score, the interest rate may be lower than the Federal PLUS Loan.  Please review our list of alternative lenders at elmselect.com.

Private College 529 Plan

The Private College 529 Plan allows you to prepay for tuition today and use it later at Juniata College.

State/Federal Resources

  • Selective Service System - Register online. All men in the United States between the ages of 18 and 25 must register in order to be eligible for Federal student aid and other government benefits and programs.
  • Federal Student Aid Information
  • Federal Tax Credits and Deductions on Student Financial Aid - The Internal Revenue Service launched a new Web section highlighting various tax credits, deductions and savings plans designed to help parents and students pay for college. The new "Tax Benefits for Education section" on IRS.gov provides an overview of all education deductions and credits. The "one-stop" location for higher education information includes a special section highlighting 529 plans, exclusions from income, taxability of scholarships and fellowships.
  • Pennsylvania Student Aid Information - Information on loan and grant programs offered by the Pennsylvania Higher Education Assistance Agency (PHEAA), including the State Work Study Program.
  • AES Success - Monitor and manage your loan and grant applications, plan for college and search for financial aid ... all in one convenient location.
  • FinAid - Answers to your questions regarding loans, grants, applications and other financial aid-related topics.
  • Fastweb - Search for scholarships and get tips on financial aid, careers and other topics.
  • UPromise - Learn how just about everything you do can earn more money for college.
  • Pittsburgh Promise - Scholarship opportunities for students who attend the Pittsburgh Public School system.
  • PHEAA - Search Pennsylvania Higher Education Assistance Agency Loan and Grant information.
  • A great education can help you achieve your dreams. To learn how you can make your college dream a reality visit college.gov, sponsored by the U.S. Department of Education. College.gov was designed by students for students and features students who overcame challenges including financial barriers. College.gov is also on Facebook.
  • Hope Scholarship/Lifetime Learning Information - Information on federal tax credit for students and their families. There is also a new section of the Internal Revenue Service (IRS) web site which highlights various tax breaks and 529 plan changes designed to help parents and students pay for college.

Scholarship Programs For Local Regional Employees and Families

  • D.C. Goodman Scholarship Program - You may be eligible if you have a parent who works at D.C. Goodman.  Please contact the Office of Student Financial Planning.
  • Fiore Scholarship Program - You may be eligible if you have a parent who works at Fiore.  Please complete the application and submit with admission application.
  • Kish Bank Scholarship Program - You may be eligible if you have a parent who works at Kish Bank.  Please contact the Office of Student Financial Planning.
  • Mead/Westvaco Scholarship Program - You may be eligible if you have a parent who works at Mead/Westvaco.  Please complete the application and submit with admission application.

Information Links

  • AES Success - Create an account to monitor your PA state grant and loans serviced through AES.
  • State Work Study Program - A PHEAA sponsored program to provide students with an opportunity to gain work experience while earning funds to pay for college.
  • Federal Student Aid Information
  • Fastweb - Search for scholarships and get tips on financial aid, careers, etc.
  • Finaid.org - Find answers to your financial aid questions about loans, grants, applications, and more.
  • Hope Scholarship / Lifetime Learning Information - Information on federal tax credit for students and their families.  There is also a new section of the Internal Revenue Service (IRS) web site which highlights various tax breaks and 529 plan changes designed to help parents and students pay for college.
  • PHEAA - Search Pennsylvania Higher Education Assistance Agency Loan and Grant information.
  • Payment Options - Juniata College has partnered with Tuition Management Systems, a monthly payment plan provider.  TMS helps families manage the cost of education.
  • Scholarship Scams - Never pay for scholarship information. For more information read attached article, "Beware of Scholarship Hucksters," posted Sunday, January 28, 2007.
  • Scholarships.com is a leading scholarship search site complete with success stories from scholarship winners. 
  • $$$ College students and graduates can learn to manage money, student loans, credit cards and your over-all budget at youcandealwithit.com.
  • A great education can help you achieve your dreams.  To learn how you can make your college dream a reality visit college.gov, sponsored by the U.S. Department of EducationCollege.gov was designed by students for students and features students who overcame challenges including financial barriers.  College.gov is also on Facebook.