Understanding Cal Maritime Tuition Costs and Financial Aid

Planning for college expenses is a crucial part of the application process. Understanding the costs associated with California State University Maritime Academy (Cal Maritime) and the available financial aid options is the first step in managing these expenses. This article provides a comprehensive overview of Cal Maritime's tuition, fees, and financial aid resources to help prospective students and their families make informed decisions.

Cost of Attendance: Understanding the Sticker Price

The "Cost of Attendance" represents the total amount of money the average student has to pay to attend Cal Maritime without any financial aid. Think of it as the school's sticker price.

For the academic year, the in-state tuition and fees are $9,944, while out-of-state tuition and fees are $22,544. In addition to tuition fees and other systemwide fees, students enrolled in a degree program at Cal Maritime pay the following fees: Housing, Food Service, Health Services, Health Facility, Parking, Associated Student Body, Instructionally Related Activity, Campus Document, Recreation, Medical Insurance A & B and specific course and laboratory fees determined by courses taken. In addition, there may be other fees charged by third parties for licenses and exams that are requirements of degree programs.

It's important to note that tuition and fees listed in published schedules or student accounts may need to be increased when public funding is inadequate. Therefore, the California State University (CSU) reserves the right, even after initial payments are made, to increase or modify any listed tuition or fees. All listed fees, other than mandatory systemwide tuition, are subject to change without notice, until the date when instruction for a particular semester or quarter has begun. All CSU-listed tuition and fees should be regarded as estimates that are subject to change upon approval by the Board of Trustees, the chancellor or the presidents, as appropriate.

Additional Expenses

Beyond tuition and fees, students should also budget for other costs, including:

Read also: Navigating Mass Maritime

Books and Supplies: $1,032 per year. Your costs may vary depending on the courses you are taking each semester.
Personal Expenses: $7,382 per year. These estimated expenses are based on reasonable but modest costs including transportation, clothing, recreation and living expenses.
Transportation: Details not available.
Medical Insurance: Medical Insurance is a requirement for all students enrolled in a degree program at Cal Maritime. All students meeting the enrollment eligibility requirements are charged for Medical Insurance A & B. Students who have private medical insurance with sufficient coverage to meet the minimum requirements established by Cal Maritime may complete a medical insurance fee waiver online to request a waiver for Part A. Medical Insurance B cannot be waived. Visit the Student Health Center page for more information. If the Medical Insurance A fee waiver is approved, a credit to the student’s account will be made. Students who withdraw from Cal Maritime by the policy’s deadline and who have not used the Cal Maritime policy prior to withdrawal will also receive a credit for this fee.

Cost Comparison

Compared with the national average cost of in-state tuition of $12,436, California State University--Maritime Academy is cheaper. For students coming from out of state, the tuition is cheaper than the national average cost of out-of-state tuition of $29,815.

As you’re comparing costs of different institutions, also consider the total cost and the net price. The total cost is the sticker price, plus the cost of food and housing, books and supplies, and transportation and personal expenses.

Financial Aid: Grants, Scholarships, and Loans

Financial aid can include grants, loans, scholarships and work-study jobs. Financial aid packages vary depending on your financial need. Most colleges determine financial need based on your FAFSA. Financial aid is crucial for many students to afford college. It can come in the form of grants, scholarships (which don't need to be repaid), loans (which must be repaid), and work-study programs.

Grants and Scholarships

Grants and scholarships are highly desirable as they don't require repayment. While the exact percentage of students receiving financial aid at Cal Maritime is not available, the average aid package awarded is $10,621.

It’s important to know how much grant aid people tend to receive. So how much grant money do students at California Maritime Academy tend to receive? Altogether, this is mixed news - at California Maritime Academy, FEWER students get aid, but the ones who do get MORE than average. If you qualify for aid, this can work out well, since you'll get a sizable award.

Read also: CSU Maritime Academy

To figure out how strong California Maritime Academy’s own financial aid program is, we’ll look at how they award their own (non-federal) financial aid dollars. Some schools may claim to offer large amounts of aid to prospective students without advertising that much of this money may come in the form of student loans - money that you have to pay back. The amount of money that students actually get is just as important (if not more important) than the percent of students who get grants. Right away, it seems like California Maritime Academy offers more institutional aid than other schools. On the other hand, this can also mean that the school just costs more than the typical school of its type.

Student Loans

Aside from grants, the other major way to pay for college is with student loans. The more student loan money you borrow, the more debt you’ll end up with after graduation. Ideally, you want to minimize your student debt as much as possible. It’s generally a bad sign if a school has many students taking out a lot of loans. First, let’s talk about how many students at California Maritime Academy actually have to take out any student loans at all. It’s very common for college grads in the US to graduate with some debt, but high percentages of students taking on loans at a particular school is a big red flag. High numbers of students with loans is a red flag, and California Maritime Academy is above average.

At California Maritime Academy, 60% of all students take out federal loans. At California Maritime Academy, the average annual federal loan amount is $5758. Other loans, or private loans, are the last resource students turn to when paying for college. At California Maritime Academy, 3% of students take out private loans. Just as important as the percentage of students with private loans is the average loan amount. The average private loan amount at California Maritime Academy is $15720. The percentage of students getting federal loans is greater than those getting private loans, which is a good sign.

Loan Fees

Loan fees are a component of the estimated cost of attendance. Federal Direct Subsidized and Unsubsidized Loans have an origination fee of approximately 1.057%.

Financial Aid Application Process

Most students will submit the Free Application for Federal Student Aid, or FAFSA. The FAFSA is crucial for determining eligibility for federal, state, and institutional aid.

Read also: Alumni of Mass Maritime

Application Due: Not available. The last day to apply for financial aid or turn in related paperwork.
Priority Application Due: Not available. Applications received prior to this date will be given the strongest consideration. Still apply for financial aid if you don’t make this due date.
Notification Date: Not available. When students receive a letter with the amount and types of aid the college is offering.
Response Due: Not available. The deadline for students to respond to the college’s aid offer.

Tuition Guarantee Plans

Tuition at time of first enrollment guaranteed only to students making advance payment.

Net Price: What You'll Actually Pay

The Net Price is the total cost of attending Cal Maritime minus any grants and scholarships you receive. The net price you pay for a particular college is specific to you because it’s based on your personal circumstances and the college’s financial aid policies. Use the college’s Net Price calculator for the most accurate estimate of your net price.

The average net price for federal loan recipients is $19,615.

Net Price Calculator

Most schools have an updated Net Price calculator available.

Expected Family Contribution (EFC)

The US government has come up with a standardized way to calculate how much a typical family can afford to pay without help. As an example, a family that brings home $80,000 in income before taxes, with no assets and no other children in college, has an EFC of around $7,000. Colleges use this number as a guideline to decide how much aid to give you, but it's just a guideline. So we're going to calculate your EFC and compare it to California Maritime Academy's Net Price. If the Net Price is higher than the EFC, the school will cost more than you can typically afford.

This tool will calculate your Expected Family Contribution, or EFC. In order to calculate this amount, we need just 4 pieces of information from you. According to the information you’ve entered above, your Expected Family Contribution should be about $. This is the amount that the federal government thinks you can afford to pay for school. Please note this tool is only an approximation, and your personal situation may cause your EFC to vary.

Payment Options and Policies

The CSU makes every effort to keep student costs to a minimum.

Payment Methods

Fees must be submitted to the Cashier’s Office using one of the approved payment methods listed under Payment Options by the fee due date. After the due date, students with outstanding balances are subject to cancellation of their enrollment. The student may re-enroll when registration re-opens for the semester, subject to class availability. A late registration and late payment fee will be assessed.

E-Check: There is no additional charge to use this payment option. carefully on the checkout page to prevent a dishonored payment. you will be charged a $25.00 administrative fee for the returned payment.
Credit Card/Debit Card: Payments must be processed online. A convenience fee is assessed by the third party vendor who processes credit/debit card payments.
Check, Credit Card, or Cash: Pay online from any computer/device with internet access. Credit cards are only accepted for online payments.

Installment Payment Plan

An approved Installment Payment Plan may be submitted with the required deposit and administrative fee each semester by the published due date. If a student on an Installment Payment Plan misses a scheduled payment, the student is subject to a late payment fee and will be subject to cancellation of enrollment.

Deferred Payment

Payment for the amount of fees equal to the anticipated financial aid for the semester may be deferred. To be eligible, a student must apply for financial aid and complete all paperwork (applications, promissory notes, tax records, pre-loan counseling, fee waiver forms, third party sponsor authorizations, etc.), clear all holds, and be enrolled in the units necessary to qualify for the aid award prior to the fee due date. A student requesting deferred payment on the basis of anticipated financial aid but who is not certified by the Financial Aid office by the fee due date may have his/her enrollment canceled. Upon completion of Financial Aid certification, the student may re-enroll, subject to class availability, when registration re-opens for the semester. A late registration and late payment fee will be assessed.

Consequences of Non-Payment

Payments returned by the bank for any reason are subject to an administrative fee. A returned payment will be considered the same as no payment. Students and prospective students who register for courses offered by the university are obligated for the payment of fees associated with registration for those courses. The institution may withhold permission to register or to receive official transcripts of grades or other services offered by the institution from anyone owing fees or another debt to the institution. The institution may not withhold an official transcript of grades by the institution from anyone owing fees or another debt to the institution (see Title 1.6C.7 (commencing with Section 1788.90) Part 4 of Division 3 of the Civil Code). If a person believes he or she does not owe all or part of an asserted unpaid obligation, that person may contact the Accounting Office. The Accounting Office will review all pertinent information provided by the person and available to the campus and will advise the person of its conclusions.

If a student or former student leaves Cal Maritime with unpaid fees or fines that remain due, those amounts will automatically convert to a student loan on the last day of the semester that the student last attended.

Parent PINs

If you would like a parent or other responsible party to receive notices, you can setup a login for them on the “Your Account” page under “Parent PINs”.

Fee Adjustments

Tuition and fees listed in published schedules or student accounts may need to be increased when public funding is inadequate. Therefore, CSU reserves the right, even after initial payments are made, to increase or modify any listed tuition or fees. All listed fees, other than mandatory systemwide tuition, are subject to change without notice, until the date when instruction for a particular semester or quarter has begun. All CSU-listed tuition and fees should be regarded as estimates that are subject to change upon approval by the Board of Trustees, the chancellor or the Presidents, as appropriate.

Refunds

Students who find it necessary to cancel their registration or to withdraw from all classes after enrolling for any academic term are required to follow the University’s official withdrawal procedures. Failure to follow formal University procedures may result in an obligation to pay fees as well as the assignment of failing grades in all courses and the need to apply for readmission before being permitted to enroll in another academic term. Students who receive financial aid funds must consult with the Financial Aid Office prior to withdrawing from the university regarding any required return or repayment of grant or loan assistance received for that academic term or payment period.

Regulations governing the refund of mandatory fees, including nonresident tuition and tuition assistance for students enrolling at the CSU are included in Section 41802 of Title 5, California Code of Regulations. For purposes of the refund policy, mandatory fees are defined as those systemwide and campus fees that are required to be paid in order to enroll in state-supported academic programs at the California State University Maritime Academy.

Full Refund

In order to receive a full refund of tuition and mandatory fees, including nonresident tuition, less an administrative charge established by the university, a student must cancel registration or drop all courses prior to the first day of instruction for the term.

Pro-Rata Refund

The pro-rata refund is determined on the basis of the data of the student’s withdrawal and the length of the academic period. Example: The first day of instruction for the fall semester is August 27, the final day of the exam period is December 14, and there are no breaks longer than 4 days. the length of the academic period is 110 days. The sixty percent point in the term is day 66 which falls on October 31. No student who withdraws after October 31 is entitled to a refund.

Financial Aid and Refunds

Financial aid students who wish to cancel their registration or withdraw from all classes after receiving financial adi funds must contact the Office of Financial Aid. Withdrawal from the University during an academic erm or a payment period, may require students to return and/or repay the amount of grant or loan assistance received.

Exceptions and Petitions

Students who are not entitled to a refund as described above may petition the university for a refund demonstration exceptional circumstances. When a student withdraws, the student may no longer be eligible for the full amount of tuition assistance funds originally awarded. In compliance with the Department of Defense policy, California State University Maritime Academy will return any unearned tuition assistance funds on a prorate basis through at least the 60% portion of the the period for which the funds were provided. Tuition assistance funds are earned proportionally during an enrollment period, with unearned funds returned based upon when a student stops attending.

Students who are not entitled to a refund as listed under the Title V that provides for late request for refund may submit a Petition for Waiver of Financial Regulations for exceptional circumstances. The Registration Appeals Committee wil review and make a recommendation to authorize a refund if the Committee determines that the fees and tuition were not earned by the University. Students requesting a refund for late application due to unforeseeable circumstances must submit a completed Petition for Waiver of Financial Regulations with writtend supporting documentation to the Registration Appeals Committee to determine the merits of each specific case.

Course Fee Refunds

All course fee refunds require the student to officially drop the course either through PeopleSoft Online Services or the Office of the Registrar. Any fees owed to Cal Maritime and any returns to financial aid will first be deducted from the credit balance.

Cruise Refunds

Full refund is issued for those students who formally drop the class prior to the published 1st day of the academic term. Refunds are made only for students who did not attend cruise and who formally dropped the course prior to the published TSGB Cruise Begins.

Parking Permit Refunds

Parking on campus is by permit only. Requests for refunds must be submitted in the same semester as the permit was issued. Refunds are prorated from the start of the semester to the date the permit is returned based on the schedule provided by The CSU Chancellor’s Office Parking Fee and Refund Schedule.

Housing and Food Service Refunds

Housing and Food service refunds are processed according to the terms of the Housing License Agreement. After the 60% point of the semester, no refunds are made. Students desiring to live off-campus must submit a petition for off-campus housing to the Director of Housing and Residence Life for approval by the published due date.

Meal Plans

All resident Cadet meal plan accounts are now a “Declining Cash Balance (DCB)” account program. A DCB will function like a debit card and can be used to purchase individual food items sold in The Marketplace, and wherever food is sold on campus. All resident students meal plan accounts are now based on Swipes and FLEX cash. Swipes will give you access to all-you-care-to-eat dining at The Marketplace, and provide an option for Meal Exchanges at the Bistro and Morrow Cove. The Bistro, Morrow Cove, and vending machines.

Residency for Tuition Purposes

University requirements for establishing residency for tuition purposes are independent from those of other types of residency, such as for tax purposes, or other state or institutional residency. These regulations were promulgated not to determine whether a student is a resident or non-resident of California, but rather to determine whether a student should pay University fees on an in-state or out-of- state basis. A resident for tuition purposes is someone who meets the requirements set forth in the Uniform Student Residency Requirements. These laws governing residency for tuition purposes at the California State University are California Education Code sections 68000-68085, 68120-68133, and 89705-89707.5, and California Code of Regulations, Title 5, Subchapter 5, Article 4, sections 41900- 41916.

Each campus’ Admissions Office is responsible for determining the residency status of all new and returning students based on the Application for Admission, Residency Questionnaire, Reclassification Request Form, and, as necessary, other evidence furnished by the student. A student seeking to pay in-state tuition at a California State University (CSU) as a first-time freshman, transfer, or as a post-baccalaureate/graduate student must have an eligible immigration status to establish residency (see Immigration Information), meet physical presence by the Residence Determination Date, and demonstrate intent to indefinitely remain in the State of California for more than one year immediately preceding the Residence Determination Date.

Physical Presence

The student or parent/guardian must be physically present in California for more than one year immediately preceding the Residence Determination Date in which enrollment is contemplated.

Intent

California law stipulates the burden of proof rests with the student, and merely living in California for a year does not support a claim for residency for tuition purposes. The student, or in some cases a parent or legal guardian, must demonstrate intent to remain indefinitely in the state for more than one year immediately preceding the Residence Determination Date (RDD) and sever all residential ties with the former state or country of residence. If the student is under the age of 19, the student’s residence status is derived from that of the parent or legal guardian unless an exception applies. Documents must include the student’s name, the student’s California address, and a date at least one year and one day prior or on the RDD for the term. For students under the age of 19, documents must be in the parent or legal guardian’s name unless an exception applies.

Alan Pattee Scholarships

Section 68120 - Surviving spouse or child of a deceased California resident who was employed by a public agency, or was a contractor or an employee of a contractor or an employee of a contractor, performing service for a public agency, and was killed in the performance of his/her principal duties of active law enforcement or fire suppression and prevention duties (referred to as Alan Pattee Scholarships).

September 11th Memorial Scholarship Program

Section 68121 - A qualifying student enrolled in an undergraduate program who is the surviving dependent of any individual killed in the September 11, 2001 terrorist attacks on the World Trade Center in New York City, the Pentagon building in Washington, D.C., or the crash of United Airlines Flight 93 in southwestern Pennsylvania, if the student meets the financial need requirements set forth in Section 69432.7 for the Cal Grant A Program and either the surviving dependent or the individual killed in the attacks was a resident of California on September 11, 2001.

Student Debt vs. Annual Income after Graduation

The more you save for your child before college, the less they will have to pay back after college. A good rule of thumb is to keep total debt less than your child's expected annual income. That way they should be able to afford to repay their loans in 10 years or less.

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