Financial Aid FAQ’s


  1. How do I apply for additional loans outside from Federal Loans?
  1. Joyce works with Sallie Mae, College Ave, and Edly. To apply for a private student loan, go to: FastChoice Private Loans 


  1. How do I complete Entrance Counseling for my Federal Direct Loan? 
  1. Loan counseling is a required online tool to help you understand your rights and responsibilities as a Direct Loan borrower. To complete the entrance counseling requirement:
    1. Go to: Complete Entrance Counseling on the Student Aid Website. 
    2. Log in with your FSA I.D.
    3. Progress through until you complete all sections.
    4. You should plan 20-30 minutes to complete.


  1. How do I complete the Master Promissory Note (MPN) for my Federal Direct Loan? 
  1. The MPN is an agreement to repay your Direct Loans along with accrued interest and fees. It also explains the terms and conditions of your loans. To complete the MPN:
    1. Go to: Complete a Master Promissory Note (MPN) on the Student Aid Website. 
    2. Select the type of Direct Loan MPN that corresponds to your student status (undergraduate or graduate/professional) and log in with your FSA ID.
    3. Progress through until you complete all sections.
    4. You should plan 20-30 minutes to complete.


  1.  How does my parent apply for a Direct PLUS Loan?
  1. Parents of a Dependent student can apply for a Parent Plus Loan to help cover the cost of their child’s education by going to Parent Plus Loan Application.  
    1. Here is a weblink with some of the most asked questions about the Parent Plus Loan: Parent Plus FAQ's 


  1. How do I contact my Financial Aid Advisor?
  1. The Financial Aid office is open Monday – Friday from 8:00am – 5:00pm. On campus, you can find the Financial Aid Office on the first floor by checking in with the front desk reception. Students are encouraged to submit a support request for urgent questions. This will allow our team to research the question and get back to you quickly. Support requests may be emailed to: or through You may also call (385) 297-8935 to speak with a Financial Aid Advisor.


  1. How soon do I need to file the FAFSA? 
  1. The sooner you fill out the FAFSA, the better. The FAFSA opens every year on October 1st and the application is free. Financial Aid uses the information from the FAFSA to determine what aid you qualify for. 


  1. Should I complete the FAFSA if I think my family makes too much money?
  1. Even if your household income is too high for you to qualify for federal grants or work-study funds, the FAFSA is also used to determine federal student loan eligibility. There's no harm in applying, and on average, it only takes 23 minutes to fill out the FAFSA.


  1. For what school year should I apply for Financial Aid?
  1. Attending between July 1, 2022, and June 30, 2023 = 2022-23 FAFSA
  2. Attending between July 1, 2023, and June 30, 2024 = 2023-24 FAFSA
  3. Attending between July 1, 2024, and June 30, 2025 = 2025-26 FAFSA (avail Oct 1st, 2023)



  1. Do I have to reapply for financial aid every year?
  1. Yes! Students are required to apply for financial aid every year. If your financial circumstances change, your aid may change. After your first year you will receive a “Renewal Application” which contains preprinted information from the previous year’s FAFSA. Note that your eligibility for financial aid may change each year if your household size or finances have changed. 


  1. What happens to my Financial Aid if my schedule changes?
  1. Schedule changes may have a negative impact on your financial aid eligibility and may leave you with a balance or result in you having to pay back unearned aid. If you plan to make any schedule changes, please contact Financial Aid before dropping the class to discuss how the schedule change will affect your financial aid now and in the future. Students that are scheduled to take 5 credits or less are no longer Federal Loan eligible. Financial Aid will evaluate your schedule and contact you to review any Financial Aid changes. If you have questions or need support, you can email: or through You may also call (385) 297-8935 to speak with a Financial Aid Advisor.


  1. What is cost of attendance and why can't I exceed that?
  1. Cost of attendance (COA) is a college's total estimated expenses for one year including tuition, room and board, books, supplies, transportation, loan fees, and miscellaneous expenses. You cannot take out loans or accept scholarships beyond your cost of attendance. Both federal and private loans will be certified by your school, and you will not be approved for any amount above the cost of attendance, minus any financial aid you've already received.


  1. How do I contact the Student Accounts Department?
  1. You can reach Student Accounts at, (801) 816-8675, or in-person at the Student Account office on campus.


Q.   How can I make my tuition payments?

  1. Joyce offers the following payment options:
  • Credit card Payments - Log into your Student Portal Hosted on Azure Cloud (  under the “My Finance” section to view and resolve payment(s).
  • Credit and debit card payment - visit to submit an online payment with a debit card. 
  • Over the phone by calling (801) 816-8675
  • In-person at the Student Accounts office on campus.


Q.   Can someone make a payment on my behalf?

  1. Yes! Anyone can make payments for you online at, over the phone by calling (801) 816-8675, or in-person at the Student Accounts office on campus. 


  1. When is my tuition due?
  1. Your tuition is due on the first day of each semester unless you have a separate payment arrangement set up for the semester. If you would like to request a payment plan, please contact Student Accounts by emailing, calling (801) 816-8675, or visiting the Student Accounts office on campus.


  1. How do I view my payment plan?
  1. Your payment plan can be viewed within your Student Portal Hosted on Azure Cloud ( by clicking on My Finances > Account Information > Payment Schedule. All scheduled payments, even those scheduled outside of the current semester, will be listed. 



  1. What happens if I can’t make my payment?
  1. Please contact the Student Accounts department by emailing,  calling (801) 816-8675, or visiting the Student Accounts office on campus as soon as possible to avoid late fee penalties and/or registration holds.


  1. My employer offers Tuition Assistance. What do I need to provide to them?
  1. Each employer may ask for something specific. Typically, they require a copy of your Unofficial Transcripts and Ledger Card. Unofficial Transcripts can be found in your Student Portal by clicking on Student Academics > Unofficial Transcript. For a copy of your Ledger Card or any other needed document(s), please email


  1. Are there other resources available to help me pay for my tuition?
  1. Joyce encourages all students to review and apply for internal and external scholarships. Please see the Joyce Scholarships & Grants page on the website for a list of common websites. You may also contact your Financial Aid advisor for a list of external scholarships by emailing, through or call (385) 297-8935 to speak with a Financial Aid Advisor.


  1. When can I expect a refund from my financial aid?
  1. Based on the Department of Education guidelines, Joyce University has no more than 14 days to issue refunds from the date the funds are posted to your account. By default, a check will be mailed directly to your address on file. If you opted for direct deposit, the transfer may take 24-48 hours, depending on your banking institution.


  1. When can I expect my excess funds from my private loan?
  1. If a disbursement creates a credit balance on your student account, the institution hopes to get you your stipend as soon as possible. However, all charges must be posted to your account and your account must have a credit balance for the Student Accounts department to generate that stipend. This usually occurs within the first 30 days. 


  1. How do I set up direct deposit for refunds?
  1. You need to complete The Direct Deposit Form or email to request for form be emailed to you.