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Financial Aid at St. Paul's

41% of St. Paul’s students receive financial assistance. Assistance is made in the form of grants, not loans, and does not need to be paid back.

 

50% of grants go to families whose annual income exceeds $130,000.

 

St. Paul’s was founded in 1849 to provide deserving children with an outstanding education that would otherwise be unavailable to them. Our commitment to providing financial support is rooted in this tradition, as well as in our belief that a community works best when it includes the widest possible range of talents and attributes, including socio-economic, cultural, and racial diversity.

No family should be deterred from applying based on finances. Our substantial financial assistance budget comes entirely from many generous alumni, parents, and friends who share the School’s dedication to establishing the strongest student body possible, and to enhancing the educational experience of all our students. With more than $3.6 million awarded annually, 41 % of St. Paul’s students receive some kind of financial support from the school

We award tuition assistance to many middle-income families and to families with relatively high incomes and more than one child in school. Applying for tuition assistance has no impact on a student’s application for admission.

How to Apply for Financial Aid

Families can go to solutionsbysss.com to electronically submit the Parents' Financial Statement (PFS) and upload their documents to SSS. Click on the prompt to begin your PFS. You will be given a password that will allow you to return to your PFS at a later date before submitting it. 

Be sure to submit all of your financial aid documents by the appropriate deadline so that awards are not delayed or forfeited as a result of a late application and/or a lack of funds:

By December 13:

New and Returning Financial Aid Families

  • Submit your PFS to SSS.
  • Upload copy of your latest 2019 pay stub to SSS.
  • Upload the St. Paul’s Waiver Request and Verification in SSS under Additional Documents. 
     

New Families ONLY: Upload a copy of your 2018 federal tax return and all associated schedules to SSS.

By February 7:

New and Returning Financial Aid Families

  • Upload 2019 W2s and 1099s to SSS.

By May 1:

  • Upload your 2019 federal tax return including all associated schedules to SSS.  

St. Paul’s School reserves the right to request additional financial information from the family applying for aid at any time.

Contact SSS with any questions by calling 800-344-8328 (Monday through Friday, 9:00 AM to 8:00 PM EST; Saturday, 9:00 AM to 4:00 PM EST).

What Happens Next?

Once the PFS has been submitted, St. Paul’s School's Financial Aid Committee will review each file. The School bases preliminary awards on the information provided on the PFS and the RFC. The subsequent submission of the family's Federal Income Tax Return will provide additional information that may cause the School to adjust awards as needed.

In the matter of separated or divorced parents, the School feels great sympathy for those involved, but we will consider the assets of both parents, if living, as well as the assets of the stepparent. We expect appropriate forms to be filed by all parties. The School cannot be bound by the assertion that a parent or stepparent has disclaimed responsibility for educational expenses. If the custodial parent has remarried, we will also consider the assets of the stepparent, always bearing in mind the obligations of that stepparent to his or her own natural children.

Families of current St. Paul's students who are already receiving financial aid or who are applying to receive financial aid for the first time and who file a completed PFS and associated supporting documents by the deadline will receive financial aid notification letters in early 2020. Your deposit is due at the time you submit your enrollment contract.

Families of new applicants will receive notification of their financial aid decision when they receive their admissions decision.

All financial information provided by families is held in confidence in the Financial Aid Office and by the Financial Aid Committee. At the time of enrollment, the St. Paul’s School's Business Office will be notified of the financial aid award for proper billing as long as the appropriate paperwork, as outlined, has been submitted.

For families new to St. Paul’s School, the School operates under a need-blind admissions policy and is committed to providing access to qualified students, regardless of their financial situation. Therefore, the Admissions Committees do not know which applicants are applying for financial aid when they review admissions files. The financial need or knowledge that a student applied for assistance is not a component in making an admissions decision. Once applicants are accepted, the Financial Aid Committee determines a financial aid award for those newly accepted students who have applied for aid. The amount of the financial aid award is based on each family's proven financial need using the methodology established by the School and SSS as a guide, along with additional information requested by the Financial Aid Committee. Because of limited financial aid resources, all families who qualify for financial aid may not receive financial aid. Thus, there are three possible outcomes for a newly accepted student: (1) a student may be accepted and offered a financial aid award that meets his/her need; (2) a student may be accepted but may be offered a financial aid award that does not fully meet his/her need; or (3) a student may be accepted but told that an award cannot be offered at the time the enrollment contract is issued. In the event that funds become available, St. Paul's will contact these families.

Helpful Hints

  • The St. Paul’s School SSS code is 6892.
  • The SSS helpline is 800-344-8328.
  • The non-refundable processing fee is $51 for online PFS submission (paid by credit card).
  • Please meet all deadlines so that awards are not delayed or forfeited because of a late application and/or a lack of funds.
  • You only have to complete one PFS even if you have several children applying for aid at St. Paul’s School and/or other SSS by NAIS subscriber schools.
  • You can apply for all of the students in your family with no limit on the number of schools to which they are applying on the single online PFS submission. All schools must be SSS by NAIS subscriber schools.
  • When filling out the PFS, use good-faith estimates for items when you may not know the exact amounts.
  • Do not leave any items blank. If an item does not apply to you, enter a zero (0). Your PFS will not be processed until all information is complete.
  • Do not wait to complete your tax return to complete your PFS. Use your latest 2019 pay stub for wage and tax withholding information to estimate both income and taxes. Use your 2018 tax return to estimate your itemized deductions. We reserve the right to recalculate your award if, on receipt and review of your 2019 tax return, your income, taxes, or itemized deductions are significantly different from what was originally reported.
  • Some items require a brief explanation. Please use the space proved for this. Missing explanations may delay or alter your child’s award.
  • Any additional information or special circumstances the family would like to make known can be sent to Rachel Bauder, Director of Financial Aid, at rbauder@stpaulsmd.org or 443-632-1030

FAQs

Will applying for financial aid have an effect on the admissions decision for my child?
What does SSS do?
How is the family contribution calculated?
Do I have to reapply each year for financial aid?
What kind of financial aid can my family expect in the following years?
If my family is paying full tuition, could we receive financial aid in subsequent years?
Are students ever asked to take jobs at St. Paul's School to help pay for their education?
Does the financial aid award cover other costs beyond tuition?
If only one parent works outside of the home, will my child be considered for financial aid?
If one or both parents decide to attend graduate school, how will that decision affect the financial aid award? 
If I am single, divorced, or no longer living with my child’s other parent, what information is required to determine an award? 
If I am living with someone who is not my child’s biological parent or I am remarried, how will the Financial Aid Committee review my child’s file? 
If my child lives with his guardians, what information will the Financial Aid Committee require? 
If we cannot pay the family contribution noted in the award letter, is there an appeals process? 
Is there a financial aid waiting list? 
Whom should I contact if I still have questions regarding the financial aid process?

Will applying for financial aid have an effect on the admissions decision for my child? 
No. The Admissions Committee is not aware of who is applying for financial aid, and the financial aid decisions are made after a student has been accepted.

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What does SSS do? 
SSS uses a methodology to compute a family's ability to pay for educational expenses for all children. Most independent schools in the area use SSS.

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How is the family contribution calculated? 
The family contribution is determined through a methodology developed by SSS. This methodology takes into consideration gross taxable and non-taxable income, itemized deductions, assets, liabilities, family size, and the number of students in tuition-charging schools. After accounting for required tax obligations and allowances for basic necessities, at a very modest standard of living, a portion of the family’s remaining resources are considered available for education on a sliding scale. It is assumed that higher incomes will have more discretionary financial resources available for education.

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Do I have to reapply each year for financial aid? 
Yes. Each student's need is recalculated annually. Therefore, parents are required to submit the PFS along with the other required documentation each year by the published deadlines.

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What kind of financial aid can my family expect in the following years? 
Assuming that your family’s financial status does not change dramatically, funding will generally be renewed at previous levels. You must reapply for financial aid every year.

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If my family is paying full tuition, could we receive financial aid in subsequent years?
We expect that families who begin by paying full tuition to the School will continue to do so unless unforeseen circumstances make that impossible. We advise families not to go to extraordinary lengths to pay full tuition their first year in the hope of receiving tuition assistance the next year. However, if your financial situation has changed significantly since you joined the School, you should apply for aid and include a detailed explanation of the change.

 

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Are students ever asked to take jobs at St. Paul’s School to help pay for their education? 
No. To preserve the identity of the students receiving financial aid, St. Paul’s School does not use a work-study program. However, we do expect students in Grades 11 and 12 to contribute $500 to their education by obtaining seasonal or summer jobs.

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Does the financial aid award cover other costs beyond tuition? 
St. Paul’s attempts to minimize extra fees beyond tuition. The financial aid award is intended to provide families resources to afford the St. Paul’s tuition. For unique requirements, such as purchasing a laptop for study in the Upper School, families receive aid at the same percentage of tuition aid received to purchase the laptop.

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If only one parent works outside of the home, will my child be considered for financial aid? 
Although St. Paul’s recognizes that families have the freedom and the responsibility to make choices regarding their financial situation, if only one parent works outside the home, the Financial Aid Committee will add to the income of the family. An exception to this policy might occur if the parent at home is caring for a pre school-aged child, a child with a disability, a seriously ill child, parent, or grandparent, or if there are other special circumstances. Please make this known to the Financial Aid Committee, in writing, when applying for aid.

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If one or both parents decide to attend graduate school, how will that decision affect the financial aid award? 
The Financial Aid Committee would expect that the parent enrolled in graduate school will continue to earn income and has arranged to fund his/her education without depending heavily on family resources. If a parent chooses to attend school full time and is thus unemployed, the Financial Aid Committee will add to the income of the family.

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If I am single, divorced, or no longer living with my child’s other parent, what information is required to determine an award? 
The Financial Aid Committee expects that all parents will contribute financially to their child’s tuition. Each household is expected to submit a completed PFS and all other required documentation for St. Paul’s to gain a realistic picture of family resources. If the non-custodial parent refuses to comply, the Financial Aid Committee will determine whether or not the family will be eligible for an award. If the custodial parent has not heard from the non-custodial parent for a period of time, to be determined by the Financial Aid Committee, forms may not be required. However, a letter of verification from a third party (minister, attorney, social worker, etc.) will be required. The Financial Aid Committee may request a copy of the divorce decree, but it may choose not to abide by it. Each situation is unique and will be handled on an individual basis.

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If I am living with someone who is not my child’s biological parent or I am remarried, how will the Financial Aid Committee review my child’s file? 
In such situations, St. Paul’s requires financial information from all adults living in the household and/or involved in the applicant’s life.

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If my child lives with his guardians, what information will the Financial Aid Committee require? 
Children who are living with guardians will be reviewed on an individual basis. However, if the parents are still living and are claiming their child on their tax return, the parents and guardians must complete and submit the PFS to SSS. If other family members have custody, they must also complete and submit the PFS to SSS. The Financial Aid Committee will also need copies of proof of custody.

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If we cannot pay the family contribution noted in the award letter, is there an appeals process? 
Yes. Please notify the Financial Aid Office of your request for an appeal and submit all written documentation that you feel may provide the Financial Aid Committee with additional insight into your financial picture. More than likely, you will be asked to set up an appointment to discuss in detail your particular situation and the circumstances for your appeal.

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Is there a financial aid waiting list? 
No.

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Whom should I contact if I still have questions regarding the financial aid process? 
Rachel Bauder, Director of Financial Aid, at rbauder@stpaulsmd.org or 443-632-1030

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Links and Forms

St. Paul’s School
11152 Falls Road 
P.O. Box 8100 
Brooklandville, Maryland 21022
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