Apply for
Financial Aid

Student Financial Aid Eligibility

Eligibility for federal student aid is based on financial need and on several other factors. The financial aid office at SJCL will determine your eligibility based on your submission of the Federal FAFSA and SJCL Financial Aid Application.

To receive aid from the federal programs, you must

  • Demonstrate financial need for Federal Work Study only.
  • Be enrolled or accepted for enrollment as a regular student working toward the JLD degree. Students who do not have a bachelor’s degree will need to contact the financial aid office to assess their eligibility for federal loans.
  • Be a U.S. citizen or eligible non-citizen. If you have a question about your citizenship status, contact the financial aid office at SJCL at 559-323-2100 x1460, or email This email address is being protected from spambots. You need JavaScript enabled to view it..
  • Have a valid Social Security Number.
  • Register with the Selective Service if required. You can use the paper or electronic FAFSA to register, you can register at, or you can call 1-847-688-6888. (TTY users can call 1-847-688-2567.)
  • Maintain satisfactory academic progress once in school.
  • Certify that you are not in default on a federal student loan and do not owe money on a federal student grant.
  • Certify that you will use federal student aid only for educational purposes.

The Higher Education Act of 1965 as amended (HEA) suspends aid eligibility for students who have been convicted under federal or state law of the sale or possession of drugs, if the offense occurred during a period of enrollment for which the student was receiving federal student aid (grants, loans, and/or work-study). If you have a conviction(s) for these offenses, call the Federal Student Aid Information Center at 800-4-FED-AID (800-433-3243) or go to the FAFSA on the WebSM site, click on "Before Beginning A FAFSA" in the left column, then click on "Student Aid Eligibility Worksheet" to find out how this law applies to you.

If you have lost federal student aid eligibility due to a drug conviction, you can regain eligibility if you pass two unannounced drug tests conducted by a drug rehabilitation program that complies with criteria established by the U.S. Department of Education.

How will I know what I'm eligible for?

The information you reported on your FAFSA is used to determine your Expected Family Contribution (EFC), which is calculated by a formula established by law. The EFC is not the amount of money that your family must provide. Rather, you should think of the EFC as an index that we use to determine how much financial aid you would receive if you were to attend SJCL. You can get worksheets that show how the EFC is calculated by downloading them from the federal website at Click on the award year appropriate to you under "EFC Formula."

Federal Work Study

For Federal Work Study, the financial aid office at SJCL takes your cost of attendance and then subtracts your EFC and any need based aid you will get from other sources. The result is your remaining financial need:

Cost of Attendance
- Expected Family Contribution
- Aid From Other Sources

= Remaining Financial Need


Unsubsidized Direct Loans and Graduate PLUS Loans

For non-need based aid (i.e. unsubsidized Direct Loans and Graduate PLUS Loans) your eligibility will be the cost of attendance minus any other financial aid. You must first apply for an Unsubsidized Direct Loan which is capped at $20,500 per year. Any remaining non-need based eligibility can then be requested in a Graduate PLUS Loan, up to the total cost of Attendance.

Cost of Attendance
- Federal Work Study (If eligible and interested)
- Aid From Other Sources
- Unsubsidized Loan Max

= Remaining Eligibility for Grad PLUS

If you're attending at least half time, your cost of attendance is the sum of:

  • SJCL average tuition and fees for a student in your category
  • The cost of living expenses
  • The cost of books, supplies, transportation, loan fees, and miscellaneous expenses

2018-2019 Cost of Attendance Budgets

Estimated Budget for 4 Year Division, 1st Year Law Student/9 months (20 units)

  Away from Parent's Home At Parent's Home (No Dependents)
Tuition and Fees $19,500 $19,500
Loan Fees $220 $220
Room and Board $13,779 $5,418
Books and Supplies (est) $1,800 $1,800
Transportation $1,251 $1,107
Misc. Expenses $2,997 $3,258
Total Budget $39,547 $31,303


SJCL’s Director of Financial Aid can consider special or unusual circumstances such as unusual medical expenses, transportation expenses, or unemployment and can adjust your cost of attendance or some of the information used to calculate your EFC. Other costs, such as dependent care or computer purchase may be added on a case-by-case basis, as needed. You'll have to provide the financial aid office with documentation to justify any changes. Download form to request an increase by clicking here (pdf)

Apply for Financial Aid