Financial Aid Checklist

Submit Your Deposits

There is no deadline to accept an offer of financial aid. However, students planning to attend St. Thomas should submit a confirming deposit to reserve a place in our incoming class. A housing deposit is also required to apply for on-campus housing.

Claim your account and submit your deposit(s)

Accept/Decline Offered Aid on Murphy Online

Students must accept or decline federal loans and/or work-study they are offered using Murphy Online. New and prospective students must claim their St. Thomas account using their assigned St. Thomas ID before they can log in to Murphy Online.

Once you have access to Murphy Online, log in using your username and password and do the following:

  1. Select "Financial Aid"
  2. Select "Award"
  3. Select "Accept/Decline Award Offer"
  4. Choose the applicable aid year from the drop-down menu (i.e. 2017-2018)
  5. Select the "Accept Award Offer" tab
  6. Accept or decline offered aid and click "Submit"
  7. Report your anticipated enrollment (enter 16 credits if you plan to be full-time)
Note: By accepting your offered aid you are not committing to enrolling at the University of St. Thomas. This is not a contract and you can make adjustments later, if needed, to your enrollment plans or the aid you have accepted/declined.

Review the 2017-2018 Notification of Award Guide

The 2017-2018 Notification of Award Guide‌ contains the full terms and conditions of your financial aid and other details including:

  • 2017-2018 Estimated Cost Information
  • Financial aid deadlines
  • Financing options for students and parents
  • Policies governing student aid

This guide is in PDF format. If you do not have Adobe's Acrobat Reader, please click here to download it for free. If you are not able to view this document on your computer, please contact the Financial Aid Office to request a paper copy.

Estimate Your Bill for the 2017-2018 Academic Year

PLEASE NOTE: The St. Thomas Board of Trustee's will meet on Feb. 8-9 to review and approve costs for the 2017-2018 academic year. The online cost estimator will reflect final costs for the 2017-2018 academic year by mid-February.

The Financial Aid Office has developed a Cost Estimator to help our students and families determine not only costs they will incur on campus, but also other living expenses. Any estimates generated by this tool will only be as accurate as the data entered by the user.

This tool assumes you will have the same costs and aid for both the fall and spring semester. If your enrollment levels or available resources will be different in either fall or spring, or if you plan to register for J-term, you should contact your counselor for a more accurate cost estimate.

Review options for paying a remaining balance

Payment Plan

Students will receive a billing statement in late August. Any charges not covered by financial aid may be paid in full at any time during the semester, but no payments are due until after classes begin. If you plan to make payments throughout each semester, please review the details of the payment arrangement available on all student accounts.

Other Financing Options

The University of St. Thomas recommends that students borrow the federal loans they are offered if they need financing to cover some of their education expenses. If additional financing is needed there are a variety of loan options available to parents and students. Please review these options and let us know if you have any questions. If you decide to apply for a Federal Parent PLUS Loan or private student loan, we recommend the parent or student complete any required application(s) in July or August to allow sufficient processing time.

Responsible Borrowing

We believe the value of a St. Thomas education is worth the investment required by our students and their families. However, we want to ensure no Tommie is borrowing more than is necessary to achieve their educational goals. We invite you to meet with your financial aid counselor to review your needs for the year and discuss a mix of payment options to discover the best option for your situation. It is often easier to just borrow a loan to cover all your expenses and say, "we'll worry about that later". However, adequate planning and taking a few small steps now could translate into meaningful savings after graduation.

Report Outside Scholarships

Students may report an outside scholarship or resource using Murphy Online. New and prospective students must claim their St. Thomas account using their assigned St. Thomas ID before they can log in to Murphy Online.

Once you have access to Murphy Online, log in using your username and password and do the following:

  1. Select "Financial Aid"
  2. Select "Award"
  3. Select "Financial Aid Award for Aid Year"
  4. Choose the applicable aid year from the drop-down menu (i.e. 2017-2018)
  5. Select the "Resources/Additional Information" tab
  6. Disclose your scholarship and click "Submit Information"

If you don't have access to Murphy Online, you may print the Outside Aid Information Form and submit it to the Financial Aid Office.

Note: Your scholarship check(s) may be mailed directly to you. Please bring any scholarship checks with you to campus and drop them off at the Financial Aid Office to be processed and paid to your student account.

Report A Special Circumstance

To provide information regarding a special circumstance which affects your ability to pay education expenses, please complete the appropriate application and submit it along with supporting documentation to the Financial Aid Office.

Acceptable reasons to file a Special Circumstance Application include:

  • Death or disability of a parent or spouse since filing the FAFSA
  • Divorce or separation of parent or student since filing the FAFSA
  • Medical, dental, or dependent care expenses not reimbursed by insurance or by an employer's pre-tax cafeteria plan
  • Unemployment
  • Loss child support and/or taxable Social Security benefits
  • Business or farm closed due to bankruptcy, foreclosure, or natural disaster
  • Private high school, junior high, or elementary tuition expenses for other family members
  • Parents' or spouse's personal college loan payments
  • Parent(s) enrolled in college in 2015 or 2016 and paying out-of-pocket college tuition

Assign Proxy Access to Parent/Guardians

If a parent or guardian will help you manage your financial aid and student account at St. Thomas you must designate them as a "proxy". By assigning your parent/guardian as a proxy, they will have view-only access to certain areas of your Murphy Online account. More importantly, this access allows our office to discuss the details of your student account with your parent/guardian when they call or email our office with specific questions.

More information and complete instructions is available at www.stthomas.edu/proxy.

Note: This policy does not apply until a student is attending courses at the University of St. Thomas. The Financial Aid Office will answer specific questions from a parent/guardian regarding a new applicant's financial aid, if appropriate, until classes begin.