Withdrawals and Refunds

If you are considering withdrawing from the College or a course, we encourage you to talk with  Academic Advising, Student Financial Services and Health Services (if withdrawing due to medical reasons) first. This will ensure that you are making the best decision for you and your academic future. 

Policy for Spring 2021

Similar to the spring 2020 semester, if circumstances change and a stay-at-home order is issued for Covid-19, housing and meal plan (room and board) charges will be pro-rated. Tuition and fees will not be prorated as classes will continue in a virtual format.

Emmanuel College's Withdrawal Policy

After the start of classes, fees are not refundable; tuition, room and board are refunded based on the College's policy below. To officially withdraw from the College, students must complete a Withdrawal Form, which is available in the Registrar's Office. Non-attendance does not constitute an official withdrawal.

Withdrawal Date During Semester % Refundable Tuition Room, and Board Charges % of Emmanuel Aid Awarded
Prior to start of classes 100%  0%
Week 1 75%  25%
Week 2 50%  50%
Week 3 25%  75%
After third week No refund  100%

The College's withdrawal procedures and policies apply to all students, including those taking a leave of absence. For more information on taking a leave of absence, including the full medical leave of absence policy, click here.

Course schedule changes may be made during the semester's add/drop period. After the add/drop period, students are liable for the cost of courses from which they withdraw. Student enrollment and housing status are confirmed after each semester's add/drop period before financial aid is disbursed. Student aid may be adjusted if their enrollment and/or housing status changes from the original status as provided on their Financial Aid Letter.

Tuition refund insurance is available through GradGuard to help protect your investment if the student leaves school prior to the end of the semester due to illness, injury or death. Students have the option of purchasing varying amounts of tuition insurance based on the needs of the student and family.

Participation is optional and the program is not administered by Emmanuel College. The College's withdrawal policy is applicable whether or not you enroll in the tuition insurance plan.

If you have questions regarding the plan, or would like to apply, please contact GradGuard at 888-541-4843 or visit www.gradguard.com/tuition.

We encourage students to contact Student Financial Services prior to withdrawing so they can understand the financial impact of their decision. In circumstances where the refund calculation (see below for more information) requires that Emmanuel College return unearned funds to the federal government, the student may still owe a balance to Emmanuel. 

Eligibility for Financial Aid:

When the student’s official date of withdrawal* falls between the first day of classes and the 60% point of the term, financial aid is adjusted as follows:

· Emmanuel College Grants & Scholarships: are prorated to match the withdrawal policy. For example, if you are responsible for 50% of charges, you will receive 50% of Emmanuel-funded grants and scholarships.

· Federal Financial Aid: Federal Title IV financial aid (Pell Grant, TEACH Grant, Direct Loans, Direct PLUS Loans, Supplemental Educational Opportunity Grants (FSEOG) is pro-rated based on the percentage of time enrolled at the College. For example, if you completed 30% the semester, you are eligible to receive 30% of the federal financial aid you were originally scheduled to receive.

· Other Sources of Financial Aid: State and private financial assistance is adjusted based on the requirements of the fund provider. 

· Military Tuition Assistance: For students receiving military tuition assistance, visit our Veterans Education Benefits page for more information on the financial impact of withdrawing.

*Non-attendance does not constitute a withdrawal, to officially withdraw from the College, please complete a withdrawal form.

Next Steps for Student Loan Repayment:

All student loan borrowers are required to complete exit counseling prior to withdrawing, dropping below half-time status or graduating. Exit counseling will provide you with your rights and responsibilities as a student loan borrower and prepare you for repayment. For more information please contact Student Financial Services at 617-735-9938 or via e-mail at financialservices@emmanuel.edu

      • Loans will be submitted to the National Student Loan Data System and will be accessible by guaranty agencies, lenders and schools determined to be authorized users of the data system.
      • Most loans are deferred (repayments not required) for six months after you are no longer enrolled in school at least half-time. Check with your lender for your specific deferment period – also referred to as grace period.  
    •  
      • Federal student loans have payment options developed to help students in all financial situations. Your loan servicer will handle the billing as well as work with you on repayment options. To learn more loan servicers visit https://studentaid.gov/manage-loans/repayment/servicers. Click here to learn about the different repayment options.  

    Policy for Spring 2021

    Similar to the spring 2020 semester, if circumstances change and a stay-at-home order is issued for Covid-19, housing and meal plan (room and board) charges will be pro-rated. Tuition and fees will not be prorated as classes will continue in a virtual format.

    If after paying your tuition bill you have a credit balance on your account, you can request a refund by submitting the online Refund Request Form. Should you want to receive the maximum credit you are entitled to, choose the "Receive Refund of Credit on Account” option on the Refund Request Form.

    If you borrowed a loan in excess of direct costs and are anticipating a refund for the spring 2021 semester, refunds will be available starting in late February. We recommend students budget accordingly if they plan to use their refund for living expenses.

    To verify if there is a credit balance on your account, view your account details here. If you see a negative amount due (example. -$1,000), it means that your total payments and/or financial aid exceed your charges for the semester and you now have the following options:

    • Reduce any existing loan amounts. This requires submission of the online Refund Request Form to provide instructions for processing your loan change request.
    • Keep the credit on your student account to be applied towards the next semester’s tuition bill. No further action is required if you choose this option.
    • Request a refund for the credit. This requires submission of the online Refund Request Form for to provide instructions for processing your refund. 

    For refund requests, we strongly recommend using direct deposit. Please view and update your Banking Information and Direct Deposit as necessary on EC Online Services.

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