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Financial Aid
The Office of Financial Aid is located on the 1st floor of the Graduate Center, 80 Nott Terrace, Schenectady, NY 12308. It provides financial aid services to the students of Union Graduate College. Questions concerning eligibility for state, federal and supplemental loan programs should be directed to:
Nikki Gallucci
(518) 631-9836
The Office of Graduate Admissions and Registration of Union Graduate College has a Student Accounts Assistant who will process loan disbursements.
Federal Direct Stafford Loan Program (subsidized and unsubsidized)
Matriculated full-time or part-time graduate students who are United States citizens or permanent residents and are taking at least one course per term during the academic year may be eligible for a Federal Direct Stafford Loan. Interest rates are fixed at 6.8% on loans borrowed after July 1, 2006. Loans borrowed before July 1, 2006 are subject to a variable interest rate for the life of the loan.
Students interested in acquiring a federal Direct Stafford Loan should download the following forms (Links available on the MyUGC Portal. If you do not have access to the portal, the financial aid office can provide you with a checklist and forms):
For the 2010-2011 Academic Year- Summer 2010, Fall 2010, Winter 2011, Spring 2011
**Please note: if you have already completed a Stafford Loan Entrance Counseling session once for Union Graduate College you do not have to complete again for subsequent years.
You may also opt to contact the Financial Aid Office to request a packet of the above materials be emailed to you or sent to your home address.
Federal GradPLUS Loan Program
- Student must be a fully matriculated student in a degree-granting program and must also be enrolled in at least half-time status.
- Student must borrow maximum Stafford Direct loans first before applying for a GradPLUS loan.
- Student must be credit-worthy and will be subjected to a credit check when applying for a GradPLUS loan.
Alternative/Private Education Loans
Various types of alternative/private education loans are also available through the Union Graduate College Financial Aid Office, including loans for non-matriculated students, those who have exceeded Stafford loan maximums, as well as loans for international students who have a co-signer who is a US citizen or permanent resident. Loan approval is based on a review of credit worthiness and ability to repay. Loans are funded through private lenders and financial institutions. Please contact the Financial Aid Office for more information.
New York State Tuition Assistance Program (TAP)
This is a grant program for New York State residents who are full-time graduate students (enrolled for at least three courses per term) that currently provides awards ranging up to $550 per year. Eligibility is based on New York State net taxable income. Apply online at www.hesc.com >
Other Financial Aid Resources
There are over 2,000 Scholarship web sites on the Internet. Use "search" terms such as "scholarship", "financial aid", etc… Here is a small sample to get you started:
Other Informational Resources
The Office of Graduate Admissions and Registration of Union Graduate College has a Student Accounts Assistant who will process loan disbursements- see contact information for Lynne Connelly below-
Financial Aid Contact Information:
Nikki Gallucci
Director of Financial Aid
80 Nott Terrace
Schenectady, NY 12308
Tel: 518-631-9836
Fax: 518-631-9901
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Lynne Connelly
Student Account Assistant
80 Nott Terrace
Schenectady, NY 12308
Tel: 518-631-9833
Fax: 518-631-9901
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We recognize that funding graduate education can seem like a daunting hurdle to overcome. I work closely with every student to structure a plan that may include federal and state financial aid options as well as scholarship to make the degree possible. Since each student’s financial situation is different it is important that I offer as much information as possible so that student can in turn make well-informed decisions for the present as well as the future.
Nikki Gallucci
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Full, part time and accelerated Graduate Masters Degree Study Programs.
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