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Affording Berwick

Applying for Financial Aid

Applying for Financial Aid for 2019-2020 Academic Year

Berwick Academy partners with School and Student Services (SSS) by Community Brands in our financial aid process. To begin your financial aid application, you will complete SSS’s Parents’ Financial Statement (PFS).
The PFS is a comprehensive application that will take some time to complete. You’ll need your most recent tax return (tax year 2017, filed 2018) before beginning the PFS. We also recommend that you review the wide range of materials that SSS has put together to help families with the financial aid process. They can be found here.
We will communicate our financial aid decision to you. To make our decision, we use the information from the PFS as a starting point, but also consider our school policy, practices, and available budget.

List of 8 items.

  • When to Apply for Financial Aid

    Families who anticipate needing financial aid at any time during their child’s tenure at Berwick should apply for financial aid at the time of admission. It is not possible for Berwick to consider requests for financial aid after admission decisions. Students who apply for financial aid may be in a more competitive situation for admission.
  • Need-Based Financial Aid

    Financial aid grants are based solely upon the family’s need as determined by the Financial Aid Committee; the Financial Aid Committee uses SSS’s estimated family contribution (EFC) as a starting point. When determining the family’s contribution, the Financial Aid Committee considers gross taxable and untaxable income, assets, liabilities, family size, and the number of students in tuition-charging schools.
  • Separated, Divorced, or Never-Married Parents

    Berwick believes that each natural parent has a responsibility to pay for the education of their child(ren). In the event that a student’s parents are separated, divorced, or never married, Berwick requires that each parent complete a PFS. The Financial Aid Committee does not feel bound by the assertion, if it is made, that one parent disclaims responsibility for educational expenses. Please note: Parents can be assured that all financial information received from one parent will not be shared with the other.
  • Other Children

    Berwick’s Financial Aid Committee, in addition to SSS, does take into account other children in tuition-charging schools, including college. Berwick expects that a family with children attending other tuition-charging schools will also apply for financial assistance at those schools; the Financial Aid Committee believes that in general, no consideration of financial assistance should be given to students when parents will be paying the full tuition for siblings at other institutions.
  • Parents who have no contact with their children

    In instances where one parent is the sole provider and receives no other financial support, it is expected that a third party provide written documentation to that fact.
  • Lifestyle Choices

    Berwick Academy’s financial aid program does take certain lifestyle choices into account before offering tuition assistance (i.e. second homes, boats, luxury cars, country club memberships, vacations, parental higher education, etc.). The Financial Aid Committee is unable to provide financial assistance in order to subsidize lifestyle choices. The Financial Aid Committee may contact you for more detailed information to ensure a complete understanding of your family’s financial situation.
  • Parents who do not work

    The Financial Aid Committee respects the value of having a parent at home full-time with infants, toddlers, and the elderly or infirmed. In a case where all other children are in school, it is expected that the non-working parent become employed to be considered for financial assistance. If not, the Financial Aid Committee will impute an appropriate salary in its considerations.
  • Retirement and College Accounts

    Our process acknowledges a family’s need to save for these needs within reason, but excessive assets may impact the Financial Aid Committee’s decision to award assistance.

Frequently Asked Questions

List of 10 frequently asked questions.

  • What fees, after tuition, can I expect to pay?

    Tuition does not include transportation costs, books, or backpack supplies (which can vary by grade level), course supplies, laptops (for students in grades 7-12), after-school care, and private music or dance lessons.
  • How do we hold my child’s place after admission?

    A tuition deposit of 10% of net-tuition for all families (full pay and financial aid families). Tuition deposits and signed enrollment contracts are required to hold your child's space.
  • What options are there for payment of tuition?

    • One Payment: 100% of net tuition must be paid by July 31st. Under this plan, the tuition refund plan insurance premium will be paid by the school on your behalf.
    • Two Payments: Two payments are required – 65% of the net tuition by July 31st and the remaining 35% by November 30th.
    • Ten-Payment Plan: Berwick partners with FACTS Management Company to offer ten monthly payment installments.
  • Should I apply for financial aid?

    If you do not believe you can afford the cost of a Berwick education, then yes, please apply for assistance. Last year over 40% of our student body received financial aid.
  • How does the financial aid application process work?

    Those interested in applying for financial aid should notify the Admission Office and check the appropriate box on the application. Applications for financial aid students should be submitted on-line (www.solutionsbysss.com) as early as possible, but not before November 1st. In order to be considered for the first round of decisions, all paper work must be completed no later than December 15 for returning students and January 15 for new students.
  • What is used to determine if I will I qualify for aid?

    Based on your PFS (Parent Financial Statement), the School and Student Service for Financial Aid (SSS) will estimate how much you should be able to contribute toward your child's education. SSS uses a standard calculation which takes into account your income and expenses, assets and liabilities, and family size. Berwick Academy uses this estimate as a guide along with your tax returns to determine your award. Please be aware that each school uses this figure differently based on their budget and their specific enrollment needs.
  • What if we have special circumstances that we feel the financial aid committee should take into consideration?

    Any additional information that you would like us to consider should be noted in the comment section on your PFS.
  • Does Berwick Academy give academic, artistic, or athletic scholarships?

    No. All financial aid awarded is based on a family’s demonstrated financial need.
  • What if my 2018 tax return is not available by the deadline?

    Berwick Academy will be using the prior-prior year taxes. Your initial award will be calculated based upon your 2017 taxes. You are required to submit your 2018 taxes and all pertinent schedules by April 30, 2019. All initial awards are subject to change pending 2018 tax verification.
  • If I accept the award, what will my future awards look like?

    You must submit a new PFS, tax return, and all pertinent schedules and forms each year. If your income has not changed significantly, your award will be comparable each year. However, it is expected that families will be responsible for annual tuition increases.

Berwick Academy

Berwick Academy, situated on an 80-acre campus just over one hour north of Boston, serves 600 students, Pre-Kindergarten through grade 12, from Massachusetts, New Hampshire, and Maine. Deeply committed to its mission of promoting virtue and useful knowledge, Berwick Academy empowers students to be creative and bold. Berwick strives to graduate alumni who shape their own learning, take risks, ask thoughtful questions, and come to understand and celebrate their authentic selves. Founded in 1791 and rooted in a tradition of college preparation, our culture of innovation prepares students for a complex and dynamic world.