It is interesting to note that almost every student at USJ receives some kind of financial aid, while the total amount of provided assistance/loans in a year is $7,271,561. For additional information about financial assistance schemes, one can head over to USJ’s financial aid page at https://www.usj.edu/admissions-financial-aid/tuition-and-financial-aid/. At USJ, the total percentage of applicants who receive the Federal Grant stands at 45%. Meanwhile, 100% of the applicants receive the Student Grant and 100% are awarded the Institution Grant, while 45% of the students get the Pell Grant. Furthermore, the average aid for the Federal Grant receivers is $6,795, and the same stands at $3,706 for State Grant awardees and $22,512 for Institution Grant recipients. As far as the Pell Grant beneficiaries are concerned, the average aid received stands at $4,458. The annual family income of a candidate is one of the key factors in determining their total eligibility for financial aid. Those with a family income below $30,000 per annum, would get an average federal aid of $24,049 in a year. The average aid amount stands at $20,829 for an annual family income between $30,001 and $48,000. This amount comes to $21,853 for those who fall under the $48,001-$75,000 family income bracket. Meanwhile, the average federal aid for students in the $75,001-$110,000 income bracket is $20,975. And, for those with a family income of more than $110,000, the amount stands at $19,889. Alternatively, the candidates can also avail of monetary benefits like student loans, apart from financial grants and scholarship schemes to pay for their studies. However, student loans attract a certain rate of interest at which the funds are borrowed. While grants and scholarship schemes do not require repayment, student loans should be repaid by the applicants within a given period. At University of Saint Joseph, the percentage of candidates who opt to avail of student loans is around 82%.