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Financial Policies
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Bursar General Policies
Bills and Payments
Billing statements and other related information are mailed on or around June 15 (for fall semester) and the last week of November (for spring semester). Revised billing statements are mailed in mid-August. All other revised statements are given to the student directly at the college (mid-October and mid-February), and it is the student's responsibility to forward the bill to the person(s) responsible for his/her financial affairs. Payments are due on July 15 for the fall semester and December 31 for the spring semester. Bills not paid in full will be considered late, and a fee of $200 will be assessed.
Billing statements and other related information for the Institute of Music Education students are mailed to the student's home address by the end of May/early June (for summer semester), early August (for fall semester), and the first week of December (for spring semester). Revised statements are mailed to the students in early September. All other revised statements are given to the student directly at school or mailed upon request. Payments are due by the week before each program begins. Bills not paid in full will be considered late, and a fee of $200 will be assessed.
For an account to be considered paid/covered in full, the Conservatory must receive payment by check, money order, cash, wire transfer and/or have expected funding (e.g., TuitionPay monthly payment plan, approved student loans, approved parent loans, a scholarship notice, documented federal or state aid and/or proof of expected payment from a 529 Prepaid Tuition Plan). The Bursar's office does not take credit or debit card payments. Payment can be made in any combination of the above, and all arrangements must be completed by the above dates.
Administrative Withdrawal Policy Current Balances
Any student who has not paid or does not expect to have sufficient funding scheduled to cover his or her outstanding account balance prior to the first day of classes may be subject to the Administrative Withdrawal Policy and academic withdrawal. The student may complete and sign a student promissory note at the Bursar's office in order to start classes. To complete this promissory note, the Bursar will require the student to demonstrate a financial plan that will cover the entire outstanding balance.
Examples of acceptable financial sources include:
- Any combination of approved student loans
- Approved parent loans
- A private scholarship notice
- A TuitionPay monthly payment plan contract
- Documented federal or state aid
- Proof of expected payment from a 529 PrePaid Tuition Plan
Please note: If the school has not received the results of the student's Free Application for Federal Student Aid (FAFSA) prior to the completion of the promissory note, the estimated federal financial aid cannot be used to complete the promissory note.
If the student is not able to demonstrate a viable financial plan and/or no student promissory note has been signed, he or she will be administratively withdrawn (i.e., the student will not be allowed to attend classes, rehearsals, auditions or participate in any other Conservatory activities). In addition, he/she will not be allowed to move into Conservatory housing or use a meal plan.
When a student signs a promissory note, that student has the first 10 class days to fulfill the financial plan outlined in the promissory note. A student who presents a viable financial plan can sign a promissory note until the end of the ninth day of class.
However, all promissory notes must be fulfilled by the end of the 10th day of class. If the requirements outlined in the promissory note are not met by the end of the 10th day of classes, the student will be administratively and academically withdrawn from classes, housing, the meal plan and all other Conservatory activities, including auditions and rehearsals. If a student is in Conservatory housing and/or on a meal plan, he/she will have to vacate the room and can no longer use the meal plan. The student must vacate his/her room by the third day after the 10th day of classes. The Dean of Academic's office will be notified of any student who signs or does not sign a promissory note. The Dean will notify all students who may be administratively and academically withdrawn. A late payment fee of $200 will be assessed to any student account that has a balance due after the published due date.
Outstanding Balances from Prior Semester
A student with an outstanding balance from a prior semester is subject to the administrative Withdrawal Policy if this prior semester balance is not paid in full before the first day of the new semester. He or she will be administratively and academically withdrawn from classes, housing, the meal plan and all other Conservatory activities, including auditions and rehearsals.
Outstanding Balances during the Semester
If expected funding from loans and/or TuitionPay monthly payments are in default or cancelled on a student's account during the semester, the student may be administratively and academically withdrawn from classes, housing, the meal plan and all other Boston Conservatory activities, including auditions and rehearsals. It has been and remains the policy of the Conservatory to withhold all diplomas, degrees, official transcripts, and other official recognition of work done at the Conservatory from students with any outstanding debts to the Conservatory. This policy includes, but is not limited to, amounts owed in satisfaction of tuition, loan agreements, fees and charges, as well as monies owed for occupancy of Conservatory residences and food service. No student with an outstanding balance, including library fines, will be allowed to participate in commencement. No student may withdraw from the Conservatory in good standing or graduate from the Conservatory unless all current obligations to the Conservatory are paid in full. Any student who does not fulfill the financial commitments to which they agreed may be subject to the Administrative Withdrawal Policy.
Bursar Refund Policy
Withdrawal from Enrollment
A student withdrawing from The Boston Conservatory must do so in writing to the Registrar. In the event of withdrawal, leave of absence or dismissal, charges will be determined based on the number of class days the student has attended. The confirmed last date of class attendance or housing occupancy will be considered the official last date of attendance.
Refunds are calculated for the fall and spring semesters using the following schedule:
Termination Date: Refund
- Before the first day of classes: 100%
- Within 10 class days: 80%
- Within 15 class days: 60%
- Within 20 class days: 40%
- Within 25 class days: 20%
- After 25 class days: None
Refunds are calculated for the Institute for Music Education (Summer) by the following schedule:
Termination Date: Refund
- Before the first day of classes: 100%
- Within 3 class days: 80%
- Within 4 class days: 60%
- Within 5 class days: 40%
- Within 6 class days: 20%
- After 6 class days: None
Any additional charges related to courses exceeding the maximum credit load (please refer to your individual advising manual) will be refunded according to the above refund schedule.
The application fee and deposits (for tuition, room and board) are not refundable. No fees (e.g., general student, student activity, health service, gym and medical insurance) are refunded after the start of classes. The refund policy as stated above applies to tuition, room and board charges only.
Refund for Conservatory Housing and Meal Plans
The refund policy described above also pertain to room and board charges for a student who is withdrawing from the Conservatory. Students who withdraw from Conservatory housing and/or meal plans, but are not withdrawing from the Conservatory, are not eligible for a room and board refund. In addition, students who are removed from the residence halls for disciplinary reasons are not eligible for a room and board refund.
Tuition Refund Appeal Process
The Tuition Refund Appeal Committee will review an appeal received no later than 120 days from the date on which the student withdraws from the course(s). Any appeal must be submitted in writing to the Bursar and include supporting documentation (e.g., copies of registration forms, drop/add forms, medical documentation, military activation papers). Since the information concerning procedures, dates for drop/add and/or course withdrawal are widely publicized, the Tuition Refund Appeal Committee will not consider an appeal that is not filed in compliance with these guidelines.
An appeal will be considered for the following reasons:
- Death of the student or death in the student's immediate family (parent, sibling, offspring, spouse, domestic partner or guardian).
- Voluntary or involuntary medical withdrawal.
- A medical emergency in the student's immediate family (parent, sibling, offspring, spouse, domestic partner or guardian).
- Military activation.
- Special circumstances as deemed appropriate by the Committee.
This appeal process pertains to tuition charges only. Fees are non-refundable, and room and board charges are refunded according to the refund policy, publicized in both the Student Handbook and on the website. A tuition refund appeal for any student who has financial aid is subject to guidelines and/or restrictions set forth by federal/state agencies. The Committee may decide that the credit balance, which results from a refund of tuition, will remain on the student's account and be applied against future charges when he/she returns to the Conservatory.
The Committee will issue its decision within four weeks of receipt of all necessary documentation. The Committee's decision is final.
Refund of Credit Balances
1.Credit balances from Federal Title IV funds (Pell Grants, SEO Grants, Subsidized and Unsubsidized loans, PLUS and Grad PLUS loans): When Federal Title IV funding is received and posted to the student's account and creates a credit balance, refunds will be issued automatically to the student approximately 7–14 days after the 10th class day. All refunds are issued to the student unless one of the following situations apply:
- The student instructs the Financial Aid or Bursar's office in writing to issue the refund to another party.
- The Title IV authorization form, completed by the student at the beginning of each year, specifies the credit balance should remain on the student account.
- If there is a Parent Plus loan, the refund is issued to the parent. The parent may instruct the Financial Aid or Bursar's Office in writing to issue the refund to another party, leave on the account or return to the lender.
Pell eligible students who are expecting a Title IV refund will receive a book stipend no later than seven days after the beginning of the semester. A Title IV Refund is made up entirely of federal funds (Pell, SEOG, Subsidized Loan, Unsubsidized Loan and PLUS Loan).
Checks should be ready for pickup or mailing no later than 14 days after the funds are posted to the student's account. Checks not picked up by the student within 21 days of processing will be mailed. If the student or parent cannot be located, the funds must be returned to the appropriate Title IV program.
2.Credit balances from all other funds (cash payments, scholarships, grants, PrepaidTuition 529 Plans, TuitionPay monthly payments): Refunds from credit balances from all other funds will be issued to the student upon request in writing, via email, by telephone or by visiting the Bursar's Office. Refund checks can be issued 7–14 days after the 10th day of class. In order to allow sufficient time for the refund process, the Conservatory requires 14 business days from the receipt of the refund request to the issuance of the refund check.
Credit balances from withdrawal or leave of absence of a student: A credit balance created from a refund issued to a student who is withdrawing or taking a leave of absence from The Boston Conservatory will be processed and mailed to the student once the Registrar's Office has officially changed the student's status and the Financial Aid Office has completed any necessary adjustments. If a student has federal aid, the school has 14 days from the date the Financial Aid Office does a Title IV refund calculation to process and make available for pickup/mail a refund check.
Acknowledgment of Responsibility for Collection Expenses
Before the beginning of each academic year for which a student is enrolled at The Boston Conservatory, the student is required to sign the Conservatory's Acknowledgement of Responsibility for Collection Expenses form. The signed form certifies his or her agreement to pay any and all collection expenses, including attorneys' fees, incurred by the Conservatory relating to amounts owed by the student to the Conservatory. Students are liable for any and all costs and expenses, including attorneys' fees, incurred by the Conservatory in connection with any and all collection or attempted collection of monies due and owing the Conservatory.
Financial Aid Information
The Boston Conservatory Financial Aid Office administers a variety of assistance programs to help students finance their education when their own and their families' resources are inadequate for that purpose. It is a fundamental principle of financial aid that the students must first depend on their own resources and those of their family before asking the Conservatory for assistance. Scholarship and financial aid resources may be awarded individually or in combination, depending on the applicant's need and qualifications. While the Conservatory is unable to meet the financial needs of all who apply, every effort is made to distribute funds as equitably as possible so that the greatest number may benefit.
Entering students are considered for Boston Conservatory Scholarships based on performance at the time of audition. If a student does not receive a scholarship at the time of entrance, he or she may apply for one as a returning student. Returning students may also apply for an increase in an existing scholarship.
To become eligible for need-based aid, students are required to file the FAFSA. The deadline to submit the FAFSA for entering students is March 1. The deadline for returning students is May 1. The Boston Conservatory's federal code number for the FAFSA form is 002129.
Music Education Program
New and returning students entering The Boston Conservatory Music Education Program are eligible to receive funding under institutional and federal aid programs. Music Education students receive their own institutional scholarships and grants, separate from the rest of the Conservatory. See Forms of Financial Aid (below) for more information. Because this program requires summer enrollment, Federal Subsidized and Unsubsidized Loan eligibility may run out before the end of the academic year. In that situation, there are other loans that students may apply for, such as the Federal Grad PLUS Loan and private educational loans. These loans require credit checks. Students entering this program are encouraged to contact the Financial Aid Office to discuss the portion of their aid that can be used during summer sessions and how it will affect the school year to follow.
Forms of Financial Aid
The following types of aid are available individually or in combination and must be applied for each year.
Federal Pell Grants
Pell Grants are offered by the federal Government to undergraduate students. Only the neediest of students are eligible for Pell Grants. Eligibility is determined by the FAFSA. Amounts range from $329 to $5,550 per year.
Federal Supplemental Education Opportunity Grants
The SEOG is partially funded by the federal government. These grants are available only to a limited number of applicants and first preference is given to those who are also eligible for the Pell Grant. SEOG eligibility and award amount is determined by the results of the FAFSA.
Federal Work-Study
Federal Work-Study (FWS) is a program of part-time employment funded partially by the federal Government. Students are allotted a certain amount of FWS and earn their allotment in a variety of jobs on and off campus. Wages are paid directly to the student on a biweekly basis. FWS eligibility is determined by the FAFSA. Funds are limited, so not every student who wishes for FWS may receive it.
Conservatory Scholarships
Performance-based merit scholarships are available to students who demonstrate the highest artistic skills. These scholarships are renewable and are described below.
Music Education Scholarships
(Music Education students only)
The Music Education Scholarships are merit based and are determined by the Music Education Admissions Committee from a review of all application materials and the interview/audition. They are awarded per credit.
Music Education Tuition Assistance Grants
(music education students only) TAGs are awarded in the amount of $335 per credit for students who are enrolled in another Conservatory program when they apply to the Music Ed Program OR who have completed a Conservatory program within 2 years of applying for the Music Ed Program. All other students are awarded $135 per credit.
Federal Direct Subsidized Loans
(undergraduates & graduates) This need-based loan program requires the completion of the FAFSA. If the applicant is eligible, the federal government pays the interest on the loan while the student is enrolled at least half-time. This need-based loan program requires the completion of the FAFSA. If the applicant is eligible, the federal government pays the interest on the loan while the student is enrolled at least half-time. The interest rate on Subsidized Stafford Loans disbursed after July 1, 2009 is fixed at 5.6%. The interest rate for loans disbursed after July 1, 2010 is fixed at 4.5%
Maximum borrowing limits are as follows:
|Annual Limit
|Aggregate Limit
Stafford Loans in lesser amounts are available for less than full-time students.
Federal Direct Unsubsidized Loans
(undergraduates & graduates) Applicants who are not eligible for Subsidized Stafford Loans may apply for Unsubsidized Stafford loans. These loans are available in the same amounts described above (minus any Subsidized Stafford Loan), but interest starts to accrue right away. The student can defer paying the interest, but it will accrue and be added to the principal. The application procedure is the same as for The Subsidized Stafford Loan.
Independent students and dependent students whose parents have been denied the Federal PLUS Loan may obtain Unsubsidized Stafford Loans in the following amounts (minus any Subsidized Stafford Loan):
|Annual Limit
|Aggregate Limit
Starting after July 1, 2008 all undergraduate students (who fill out the FAFSA) may receive $2000 in an Unsubsidized Stafford Loan in addition to their other Subsidized or Unsubsidized Stafford Loan eligibility.
Federal Direct Parent PLUS Loans
Parents* of dependent undergraduates may apply for a PLUS Loan for any amount up to the full cost of attendance, less any financial aid (loans, grants, scholarships, work study, etc.). The FAFSA is required for the PLUS Loan. A credit check will be made by the lender before the loan is granted. Repayment begins as soon as the loan is completely disbursed. For most PLUS loans, this means 60 days after the second disbursement of the loan; however, it is now possible to defer making PLUS Loan payments until after the student leaves school. Borrowers must request the deferment when they fill out the application. Parents who do not make their payments and do not make deferment arrangements will be denied any subsequent PLUS Loans.
*Only biological or legally adopted parents are eligible for the PLUS Loan. Stepparents are eligible only if they are married to the biological parent at the time they apply for the PLUS Loan and if their income information is included on the FAFSA. Grandparents or legal guardians are not eligible for the Parent PLUS Loan unless they have legally adopted the student.
Federal Direct GradPLUS Loans
The same rules and regulations apply for this loan as for the Parent PLUS Loan. The only difference is that the borrower is a graduate student and not a parent of an undergraduate student.
Conservatory Poirier Loans
This loan program results from a generous bequest from the estate of the late Alfred Poirier, a patron and sponsor of the arts. A limited number of loans are available to seniors who are U.S. citizens with need. The maximum amount that can be borrowed is $7,500 per year or $3,750 per semester. The interest rate is 6.0% and the loan has a 120-day grace period. Eligibility for The Poirier Loan is determined by the Financial Aid Office.
Deferred Payment
Students and parents desiring to pay educational expenses in monthly installments for the fall and spring semesters may make arrangements with the following agency:
TuitionPay Plan
(800) 635-0120
Arrangements for the deferred payment plan listed above should be made by June each year. The Boston Conservatory does not offer deferred payment arrangements or installment payment programs other than those listed above. Please see the Bursar General Policy section for more information on the payment plan.
Financial Aid Policies
Title IV Code of Conduct
The Boston Conservatory seeks to ensure transparency in the administration of its student financial aid program and to avoid the harm that may arise from actual, potential or perceived conflicts of interest. In addition, the Higher Education Opportunity Act sets conditions for educational institutions to participate in Title IV programs and requires the development of and compliance with a code of conduct prohibiting conflicts of interest for its financial aid personnel [HEOA § 487(a)(25)]. To fulfill these institutional goals and to comply with federal law [HEOA § 487(e)], The Boston Conservatory has adopted the following code of conduct:
All Officers, employees and agents of The Boston Conservatory who have responsibilities with respect to student educational loans must comply with this code of conduct.
1.Ban on revenue-sharing arrangement with any lender. Neither The Boston Conservatory as an institution nor any individual officer, employee or agent shall enter into any revenue-sharing arrangements with any lender.
2.Ban on receiving gifts from a lender, guaranty agency or loan servicer. No officer, employee or agent, or any of their family members, shall solicit or accept any gift from a lender, guarantor or servicer of education loans. For purposes of this prohibition, the term "gift" means any gratuity, favor, discount, entertainment, hospitality, loan, or other item having a monetary value of more than a minimal amount.
3.Ban on contracting arrangements. No officer, employee or agent shall accept from any lender or affiliate of any lender any fee, payment, or other financial benefit (including the opportunity to purchase stock) as compensation for any type of consulting arrangement or other contract to provide services to a lender or on behalf of a lender relating to education loans.
4.Ban that prohibits steering borrowers to particular lenders or delaying loan certifications. The Boston Conservatory shall not assign through award packaging or other methods any first-time borrower's loan to a particular lender; or refuse to certify or delay certification of any loan based on the borrower's selection of a particular lender or guaranty agency.
5.Ban on offers of funds for private loans. The Boston Conservatory shall not request or accept from any lender an offer of funds for private loans, including funds for an opportunity pool loan, to students in exchange for providing concessions or promises to the lender for a specific number of Title IV loans made, insured or guaranteed a specified loan volume, or a preferred lender arrangement. An "opportunity pool loan" is defined as a private education loan made by a lender to a student that involves a payment by the institution to the lender for extending credit to the student.
6.Ban on staffing assistance. The Boston Conservatory shall not request or accept from any lender any assistance with call center staffing or financial aid office staffing.
Ban on advisory board compensation. No one employed in the financial aid office or that has any responsibilities with respect to education loans or other student financial aid shall derive any material benefit from serving on an advisory board, commission, or group established by a lender, guarantor or group of lenders or guarantors. However, such individuals may be reimbursed for reasonable expenses incurred in serving on such advisory board, commission, or group.
Withdrawal from Enrollment
A student withdrawing from the Conservatory must do so in writing to the Registrar. In the event of withdrawal, leave of absence or dismissal, charges will be determined based on the number of class days the student has attended. The date the written notice is received will be considered the official last date of attendance.
Students are reminded that the refund policy on withdrawals, as stated in the Bursar's Information section, is the official one, regardless of any payment arrangements.
Withdrawal and Institutional Financial Aid
Institutional financial aid is refunded using the same schedule as tuition refunds (see Bursar's Information). For example, a student who leaves the school within 10 class days is charged 20 percent of his or her tuition and would be allowed to keep 20 percent of his or her institutional aid (Conservatory Scholarship, Tuition Assistance Grant, etc.).
Withdrawal and Federal Financial Aid
Students who receive federal financial aid have their refunds calculated in another way. The Financial Aid Office recalculates students' eligibility for federal funds when they withdraw, are dismissed or take a leave of absence before completing 60 percent of the semester.
The recalculation determines how much federal aid a student has "earned" by dividing how many calendar days the student has attended class by the number of calendar days in the semester (excluding scheduled breaks of five days or more). This is based on the date of the official withdrawal received by the Registrar's Office. If no such official withdrawal exists, then the Financial Aid Office can use the 50 percent mark of the semester.
If the student has completed at least 60 percent of the semester, then he or she is said to have "earned" 100 percent of his or her federal financial aid and none of it need be returned to the federal Government.
Any "unearned" aid must be returned to the federal Government in the following order (each fund is fully refunded before moving to the next fund):
1.Federal Unsubsidized Loan
2.Federal Subsidized Loan
3.PLUS Loan (Grad or Parent Loan)
4.Pell Grant
5.Supplemental Educational Opportunity Grant
If the student has received a refund before withdrawing from school, then the student may be required to repay some or all of those funds. Any funds remaining after these restorations have been made will be refunded to the student within 30 days of the student's withdrawal.
Satisfactory Academic Progress
Federal Satisfactory Academic Progress
To be eligible for federal financial aid at The Boston Conservatory, a student must maintain satisfactory academic progress. Students are evaluated for academic progress every semester. The federal government requires that students be evaluated both quantitatively and qualitatively. The quantitative evaluation is determined by counting the number of credits earned versus those attempted. Students must earn at least 67 percent of the credits they attempt cumulatively and by semester.
For example, if over the course of his college career, a student has taken 50 credits but fails or withdraws from several classes and earns only 25 credits, that student has earned 50 percent of all the credits he has attempted and will be placed on Financial Aid Warning. The same is true if the student takes 12 credits in one semester and earns only six of them. The student will have earned only 50 percent of his semester credits and will be placed on Financial Aid Warning.
Another element of the quantitative evaluation is the maximum time frame. At The Boston Conservatory, students must finish within the maximum time frame of 150 percent of the published length of their program. If a student goes over the 150 percent mark, then he or she is no longer eligible for financial aid. For example, a student in the BFA Musical Theater Program must earn 133 credits to graduate. One hundred and fifty percent of 133 is equal to 199.5 credits. A musical theater undergrad may only attempt 199.5 credits in order to earn the 133 credits he or she needs. If he or she has not earned 133 credits after attempting 199.5, then he or she is no longer eligible for federal financial aid. Please check the credit load for your individual program to determine the 150 percent mark.
The qualitative evaluation is determined by the cumulative and semester grade point average (GPA). Freshmen must maintain a cumulative and semester GPA of at least 1.7. Other undergraduate students must maintain a cumulative and semester GPA of 2.0 (C), and graduate students must maintain a cumulative and semester GPA of 2.7 (B-). At the conclusion of each semester, the grade point average (GPA) and credit hour load of each student are reviewed. Letter grades of A through D are considered credits earned. The following are considered credits not earned:
F: Failing grade
NC: No credit grade or audit
NG: No grade turned in by instructor
W: Withdrawal
I: Incomplete
Students who receive an Incomplete for a class have five weeks from the start of the next semester to earn a grade in that class. Grades that remain Incomplete after five weeks will be replaced with an F. Satisfactory Academic Progress will be recalculated after the five-week period has passed, and any student who has not completed the minimum requirements of his or her program of study will go on either financial aid probation or financial aid suspension.
Transfer credits are considered to be earned, but will not be included in the GPA calculation.
Attendance during the summer will be considered in both the quantitative and qualitative evaluations of satisfactory academic progress.
Financial Aid Warning
Students who fail to complete the minimum requirements of the programs of study in any of the categories previously described are placed on Financial Aid Warning for the following semester. Students are eligible for financial aid while on probation. During the probationary semester, freshmen must earn a cumulative semester GPA of 1.7; other undergraduate students must earn a cumulative and semester GPA of at least 2.0; and graduate students must earn a cumulative and semester GPA of at least 3.0 and earn at least 67 percent of all the credits they have attempted.
Students who fail to complete the minimum requirements of the probationary semester will be placed on Federal Financial Aid Suspension.
Federal Financial Aid Suspension Appeal Process
Students who have been placed on Federal Financial Aid Suspension have the right to appeal this suspension in writing within two weeks of the notification. The appeal should include:
1.Why the student failed to make Satisfactory Academic Progress (SAP).
2.What has changed that will allow the student to make SAP at the next evaluation.
3.An academic plan that will ensure that the student makes SAP standards by a specific point in time.
Circumstances that will be considered include illness, injury, death in the family or other special circumstances.
If a student's appeal is approved, the student will go on Federal Financial Aid Probation and the aid will be reinstated for one semester. At the end of that semester the student's cumulative and semester GPA and the number of credits earned will be re-evaluated. If the student is not at the required level, he or she will be placed on Federal Financial Aid Suspension again.
Sometimes students need more than one semester to recover academically after being put on financial aid suspension. If a student has not made the required cumulative or semester GPA or has not earned 67 percent of his or her credits and goes on suspension again, then the student may appeal again. Appeals in this circumstance will only be considered if the student is successfully following an academic plan.
If a student withdraws from The Boston Conservatory after being put on financial aid suspension and then returns, he or she is still considered to be on financial aid suspension. The student will need to appeal the financial aid suspension before any financial aid will be allowed.
Students in default on payment of Boston Conservatory charges or Conservatory loans will be denied release of academic transcripts from the Conservatory. Those students who are in default on federal loans may not receive federal aid from other institutions until the default has been resolved.
Conservatory Scholarship
Awards are based primarily on an appraisal of the student's ability as demonstrated in the audition. The student's academic standing and the needs of the institution also play a role in awarding Conservatory Scholarships. Music Education students do not receive Conservatory Scholarships. Their program has its own scholarships and grants. Scholarships are divided by semester and credited directly to the student's account.
Scholarships are awarded with the understanding that the recipient will be available for performance activities as might be required by the Conservatory. It is understood that some of these activities, such as musical theater and opera orchestras, accompanying, chamber ensembles, dance and theater performance, etc., may be in addition to curricular requirements.
In order to receive a scholarship, a student must be full time. Twelve credits is full time for undergraduates getting a bachelor's degree. Students in other programs should check Academic Policies for their individual program's full-time enrollment. Students who register for full time and drop to below full time before the add/drop date will lose their scholarships. Students who register for full time and drop to below full time after the add/drop date but before the last day of tuition refunds will have their scholarship prorated by the appropriate percentage.
Scholarship Renewal
To be eligible for scholarship renewal, the recipient must have:
- Successfully earned enough credits to equal full-time enrollment.
- Satisfactorily participated in all assigned ensembles as determined by the Directors and the Division Chairs.
- Achieved a grade of no lower than 3.0 (B) in the major subject areas defined by each Division.
- Achieved a cumulative grade point average of at least 2.7 (B-).
Scholarship Probation
Failure to meet these requirements will result in scholarship probation for the next semester. During probation the student will receive his or her scholarship. If after the end of the probationary semester, the student has not met the requirements, the scholarship will be suspended.
Scholarship Suspension Appeal Process
Students may appeal their lost scholarship by writing to the Director of Financial Aid within two weeks of receiving written notification of their loss of scholarship. The student must provide legitimate reasons for not meeting the scholarship requirements. If the scholarship committee approves the appeal, the student will have one semester to meet the scholarship requirements.
Students who have lost their scholarships may be able to earn them back if they meet all the requirements and apply in writing to the Director of Financial Aid. If their applications are successful, then they will receive the scholarships for the following semester.
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Niacin comes in a variety of forms, ranging from fast-acting forms to those that are longer acting. Some forms of niacin, especially in high doses — 1,000 milligrams or more — do cause temporary flushing of the skin.
The flushing can make your skin redden and possibly feel warm to the touch. While annoying, this flushing isn't harmful. If you have flushing, talk to your doctor about taking an aspirin shortly before you take your niacin. Aspirin can counteract this flushing effect. Also, avoiding hot drinks and alcohol can decrease flushing. Versions of niacin with reduced flushing effects also are available by prescription.
Other possible side effects include:
However, your doctor may be able to find the right dose and form of niacin that minimizes side effects. Also, taking niacin with food may help prevent side effects. Remember, don't take niacin — even in the over-the-counter form — without discussing it with your doctor first. Niacin can cause side effects when taken in high doses.
It depends. Niacin has been shown to increase HDL in otherwise healthy people who have normal LDL levels, so your doctor might suggest you take niacin, even if your LDL is relatively normal and you're healthy.
However, don't start taking niacin to raise your HDL without talking to your doctor. Niacin must usually be given at high doses to raise your HDL cholesterol, and the use of high-dose niacin needs to be monitored by your doctor to make sure it doesn't cause any harmful side effects.
Lifestyle changes are also helpful in boosting HDL. These include:
If you try steps like this and your HDL is still too low, your doctor may suggest you take niacin.
Niacin is usually given along with statins or other medications to people who have high LDL levels and low HDL. Check with your doctor before taking niacin with another medication to avoid any dangerous drug interactions. However, in general, niacin seems to work even better when used in combination with statins, drugs used to lower your LDL cholesterol. In fact, when used with some statins, niacin can increase your HDL level by 50 percent or more, as well as reduce LDL levels more than when statins alone are used.
Possibly. Supplements sold over-the-counter (OTC) are not regulated like prescription medications. The ingredients, formulations and effect of over-the-counter niacin can vary widely. Again, it's necessary to work with your doctor if you are considering taking niacin to avoid harmful side effects. Don't start taking over-the-counter niacin supplements without talking to your doctor first.
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subset: commoncrawl


text:
Gerard O'Neill was the editor of the Boston Globe's Spotlight Team, one of the nation's top investigative reporting units. He started at the Globe in 1966, and has won a Pulitzer Prize, the Hancock award, the Loeb award, and many others. He is the co-author of The Underboss: The Rise and Fall of a Mafia Family and Black Mass. Black Mass won the MWA's 2000 Edgar Award for Best Fact Crime.
This biography was last updated on 12/19/2010.
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Finding Aid for the R.M. Ballantyne Papers, 1876-1893
Finding Aid for the R.M. Ballantyne Papers, 1876-1893
Collection number: 321UCLA Library, Department of Special Collections
Manuscripts Division
Los Angeles, CA
- Processed by:
- Manuscripts Division staff
- Encoded by:
- Caroline Cubé
- Online finding aid edited by:
Restrictions on Use and Reproduction
Provenance/Source of Acquisition
Container List
[Correspondence, v.d.]
Letters, n.d.
Letter to Reverend J.C. Westley. Harrow, May 5, 1883.
[Manuscripts, v.d.]
Hunted & Harried. Nisbet, 1892.
Dusty diamonds..., 1893.
The garrett and the garden: or, low life high up. n.p., 1886.
The walrus hunters..., 1893.
Posthaste..., 1879.
Under the waves..., 1876.


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Micah Richards
City 2-2 Liverpool
Guinness International Champions Cup
30 July 2014
|Minutes played
|Successful tackles
|Passes completed
|Apps (sub)
|Yellow cards
|Red cards
Height (ft)
Date of birth
24 June 1988
Weight (st)
Place of birth
International caps / goals`
12 / 1
Micah Richards joined City from Oldham Athletic as a 14-year-old and has since progressed through the Club's successful Academy.
Made his first-team debut as a substitute in the 1-0 defeat at Highbury in October 2005, and he came close to scoring after being pushed forward as City sought an equaliser.
Called into the starting XI for the 3-2 win over Charlton as a right-back and made a great impression in an unfamiliar position. Followed that up by scoring in stoppage time in the very next match, a 5th round cup tie at Villa Park. He capped that by jumping into the City fans to celebrate, then swore live on national television when asked to describe how scoring in the last minute to level a cup tie actually felt!
Other fine performances followed as Micah remained in the City senior side until the end of the season.
Micah took the City No.2 shirt during the close season and made his England Under-21 debut against Moldova in August 2006, but even better was to come when he made his full England bow in a 1-1 draw with Holland in Amsterdam, winning rave reviews in the process. Just prior to this Micah had displayed his penchant for the dramatic goal once again, slamming in a last minute equaliser at Goodison Park.
He continued to impress for City and gained three more England caps, but sadly 2006/07 came to an early close for Micah when a shin complaint that he had struggled with for some time needed surgery.
Back to full fitness for pre-season, Micah began 2007/08 in superb form and took the man-of-the-match award in the 1-0 win over United in August. He also set up Frank Lampard's goal against Germany for England at Wembley, but his international stock rose even higher when he scored his first goal for England with a typically powerful header against Israel.
Micah ran Stephen Gerrard close as the FA's England Player of the Year, as voted for by the fans, and in February 2008 he inked in a new five-and-a-half year contract with City. A setback came just afterwards when he was ruled out for around six weeks after requiring surgery on a knee cartilage problem.
Micah's versatility was much in evidence as 2008/09 progressed, he played in both full-back positions and in central defence as injuries and suspensions hit the squad hard. Nedum Onuoha's excellent form in central defence and Pablo Zabaleta's impressive showing as a midfielder eventually saw Micah cement a place at right back. After a long wait he added to his goal tally for City with the winner against Sunderland in March, his first for the Blues since the Everton strike in September 2006.
Micah started half of City's Premier League games in 2009-10, scoring twice into the bargain, but finished the season on the bench with Pablo Zabaleta being preferred at right-back by Roberto Mancini.
You can't keep a good man down though, and Micah climbed back to the top of the pecking order with 23 Premier League starts in City's title-winning campaign in 2011/12.
A regular assist-maker in that campaign, Richards is considered one of the team's elder statesmen, despite his modest years.
A frustrating injury-hit season followed the highs of the previous year in 2012/13 but now he's back to full fitness in 2013/14, Micah will be hoping to cement his place back in the first XI and reclaim a spot in the England set-up in time for World Cup 2014.
Micah Richards Gallery
Micah Richards - Reaction to his new deal
Micah talks about how thrilled he his signing a new contract at the Club, the right-back is now looking to smash appearence records.
Micah Richards - At home with Micah Richards
Micah sifts through his fridge and freezer, revealing the food he tends to eat and is caught out with a takeaway pizza, however he claims it is not his.
Micah Richards - Show us your shirts
After every game you see players exchanging tops, ever wondered what they do with the shirts they have recieved? Micah shows us whose tops he has and where he stores them.


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Rumors of a potential acquisition swirl around this week's South by Southwest festival in Austin, Texas.
Filmed at the Dropio launch party, this blogger sure got bouncy.
Mashable has a new site for social networking codes. It's called Mashcodes, and it's a heck of a lot better than most of the other code sites.
According to Mashable, some users are seeing a new Twitter Web page that features an all-new design meant to look more like Facebook.
Up to 50 Facebookers can now collaborate on one single photo album -- from a wedding, vacation, or other event -- with a new feature called "Shared Albums."
This delightful ad for Peaceful Belly farm's Freaks of the Garden sale uses twerking and Blackstreet's "No Diggity" to promote GMO-free, organic produce.
Partnering with a facial recognition company, the dating site reportedly wants to help you get over your ex by finding you a duplicate (for a mere $5,000.)
BAE Systems unveils fascinating new concept aircraft that transform, self-heal, can 3D-print UAVs, and have concentrated laser beams to disable enemy missiles.
Scripps spelling bee co-winners Sriram Hathwar and Ansun Sujoe go head-to-head spelling tech slang terms from Urban Dictionary they will never use in a sentence.
The company promises to get rid of a glitch that brings up the "black or white screen of death."


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Jacksonville Daily Progress
Funeral services for Betty Sue Casper of Jacksonville are scheduled for 10 a.m. on Fri., June 7, in the Chapel of Autry Funeral Home with Steve Edwards of Central Baptist Church officiating. Visitation will be Thursday evening from 5-7 p.m.
Betty Sue Casper was born in Bishop, Texas on Aug. 31, 1924, to the late Harvey Allen Kirkland and Gusta Lula Kirkland. Betty went to be with her Lord Tues., June 4, 2013 in Jacksonville. Betty Casper was a member of Central Baptist Church and a member of Mary Martha Sunday School Class. She worked as a bookkeeper for Fox Photo in Houston for a number of years. After retirement, she and her husband moved to Jacksonville in 1984.
Betty Casper is preceded in death by her husband Charles "Chuck" Casper; son, Kenneth Whitehead; stepfather , Sam Berry; sisters, Kathryn Gribble and Mary Kirkland.
Survivors include brothers and sisters-in-law, Lois Davis of Jacksonville, Bill and Betty Snyder of Tyler, Avery and Charlene Casper of Tyler, LaJoy Casper of Tyler, Nell Wood of Big Sandy, and Ann Green of Pasadena. Nieces and nephews, Dwight and Valerie Patrick, children Tom and Allison, Ron Snyder and wife Vickie, Deborah Martin and husband Keith, Diane Gilbert and husband Rod, Paula Lunsford, Terri Case, Toni Casper, Sandy Hartley and husband Steve, Kelly Casper, Jimmie Casper, Jeff Casper, Gary Casper and wife Sarah, Connie McIntyre and husband Bobbie, Nina Casper, Noel Casper; numerous great nieces and nephews; and a host of friends. Special friends and caregivers are Gene and Chris Fincher, Tina Fincher and Linda Jones.
Pallbearers will be Chad Devillier, Darold Dickerson, David Rodriguez, Tom Patrick, Ronnie Snyder, and Keith Martin.
Our sincere gratitude and thanks to the special care and love, plus attention shown by the staff of Senior Care Center. She loved each one in a special way. She enjoyed playing cards and chicken foot with her friends. Our thanks to Heart to Heart Hospice for being there.


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End the death penalty -- Yes on 34. No on 35 saves our sexworkers. GMO food gets a label when you vote Yes on 37
Yes, the state should raise income taxes on the wealthy. Yes, some of that money should go to education. But this is not the optimal way to go about it.
Because nobody but Munger and her pals vetted the measure, it's got problems. For starters, it's not a tax increase on the rich — it's a tax increase for just about everybody. If you make more than $7,300 a year, your state income tax would go up. Granted, not by much: The sliding scale starts at 0.4 percent (about $30 a year for the very low end of the scale, and the wealthiest will pay much more) but still: the tax burden in this state (with its high sales-tax rates) falls disproportionately on the poor and middle class, and Munger's measure should have exempted all but the top earners. And it's got a popular, but troubling distribution scheme — between 60 and 85 percent of the estimated $10 billion a year in new revenue will go to K-12 education. The schools need the money — but so do cities and counties who pay for public health, affordably housing, public safety and a lot of other priorities.
But the question facing the voters isn't whether Munger is a self-serving brat who went her own way on this, or whether there are flaws in the measure. It's whether the state ought to raise taxes to pay for education. With all the duly noted reservations, the answer to that question has to be yes.
Again, an imperfect law, sponsored by an imperfect billionaire that seeks to solve a problem better addressed in the state Legislature. In this case, though, the Legislature's tried to address it, but the recalcitrant Republicans haven't let it happen.
Prop. 39 would change a loophole in the state's tax code that helps multistate businesses to avoid state taxes. In essence, the current law lets companies choose whether to base their state tax liability on in-state sales or a combination of sales, employment, and property. Companies with a lot of out-of-state employees are able to reap huge tax breaks — if anything the current law encourages outsourcing.
Prop. 39, sponsored and bankrolled by hedge-fund billionaire Thomas Steyer, would mandate that all companies use the single in-state sales factor. The new revenue to California: $1 billion a year. It's more fair, it creates the right incentives to keep jobs and equipment in the state, and it cuts a hole in the deficit.
This referendum challenged the California Senate districts that were created early this year by the Citizen Redistricting Commission, an independent body that voters created as an alternative to the previous practice of letting politicians draw their own legislative districts after the decennial census. Those new districts aren't perfect — indeed, San Francisco was placed in a single Senate district instead of the pair we had — but the process that created them was widely lauded as "open, transparent, and nonpartisan," as the California Supreme Court ruled in rejecting a challenge to the districts. That ruling has caused the proponents of this measure — the side urging a "no" vote, which would invalidate the districts and let a judicial panel redraw them, whereas a "yes" vote upholds the existing districts — to drop their campaign and accept the commission's results. Vote yes.
All those expensive "no on 37" ads paid for by Monsanto/Syngenta/Bayer are the advertising cud that the Major newspapers profit from.
This is why alternative media like the Guardian and other small papers that have endorsed Prop 37 are becoming more meaningful. Reading the Chronicle is just habit, fewer and fewer meaningful stories, sports, sports, sports, TV stars and acres of tripe.
I urge all readers that want to be informed about this issue to go to Youtube and look up "The Genetic Roulette Movie",
then select the full length version and watch it.
You had a good analysis of Prop. 38, until the end. You neglected to mention that Prop. 30 was retroactive to the start of this year so that schools get the money they need to avoid more drastic cuts halfway through the school year. Monies from Prop. 38 would not alleviate the problem this year because they would not be available until next year. As a result, we would be using the money to repair the damage caused by the shortened school year, laid-off teachers and slashed programs.
In addition, Prop.38 functions as spoiler that drains support away from Prop. 30 and could cause both to fail, thereby leaving the upper-class residents of this state continuing to escape paying their fair share to keep California the beautiful place it is to live. There are many other problems caused by Prop. 38 that are too numerous to mention in this short space. For these reasons and more, the best vote is NO on Prop. 38 and YES on Prop. 30!
Once again ,thank you for publishing your endorsements,it really helps me in deciding which way to vote.I vote against all your recommendations .
Lucky your vote doesn't actually count for much.
Nick, alas- What a discerning, open-minded fellow you are!
If you vote against the Guardian, you will also be voting against the Chronicle on many measures.
If you vote against the Guardian, you will also be voting against the Chronicle on many measures.
How very thoughtful of you! The Republican party needs more free thinkers like yourself.
If both 30 and 38 pass, only the one that receives more votes goes into effect. So by encouraging people to vote for both, you're actually hurting Prop. 30. If 30 fails, $6 billion in already-earmarked funding disappears from the budget, and everyone suffers. If 38 fails, well, it doesn't affect anything.
I find it hard to believe you didn't know that only one of the two measures could actually win.
I agree, I felt that all your state proposition endorsements were well thought out and correct except this one. And whether you endorsed 38 or not, I was hoping you would draw attention to this relationship with Prop 30.
Yeah, what on earth. Endorsing both is like ... not reading the ballot.
MONSANTO'S 'deceptive' bullshit ads were broadcast during both 49ers and Raiders games yesterday. We just don't have the resources to counter their mega-million dollar disinformation campaign.
You will become what you eat - so will your children.
I don't know. If I had 2 strikes agains me, I wouldn't even jaywalk
Thank you for taking a stance to say Yes on 37.
SFBG: SO GLAD you are a good resource in these perilous times of swirling bullshit and venality. Snakes have more ethics. I thank you for sifting thru the dust to cast your best guess as to what each prop means, and your recommendation. I'm about to open my absentee ballot. It helps a bit not to just hold my nose and vote, blindly, but actually get a sense of what's being proposed. All these propositions should be run by the average 5th-grade class, to see if any of it makes sense.
I agree with the SFBG endorsements except for one and that is the GMO labeling proposition, Number 37.
As a species, we are going to start running out of food, especially as global warming really kicks in. We need to encourage Big Ag to continue to experiment with GMO food to allow us to grow food in drought areas, areas with high saline in the soil, etc. The only alternative is mass starvation.
Now in the Bay Area we will probably see nothing more than a few extra dollars added to our weekly food bill, but the consequences for people already living on the edge are huge.
I too am concerned with the effect climate change will have on our food supply. However, there are too many risks associated with GM foods that have been found in animals (increased allergies, modifications to liver, digestive issues, reproductive issues) for us to not at least *know when we're eating it*.
The "GMO will end starvation" idea has come up lots of times before. Though Big Ag spins the idea that GMOs will help starvation, there isn't any evidence of that to date. In fact, there's evidence it's actually leading to more food shortages than there were before due to GM seeds not being able to grow in conditions like they had been advertised or nutrient values being lower than expected.
John Robbins sums this up nicely in this article: http://www.huffingtonpost.com/john-robbins/gmo-food_b_914968.html
We have more potential at ending hunger by understanding the root causes of hunger, not by trying to inject more Vitamin A in rice. The world currently has more food than it needs. And we already have methods to grow food in a variety of conditions without GMOs.
And I'm confused about the notion of rising food prices occurring. More than 60 countries are already doing labeling. The technology and infrastructure to label in all levels of the food supply already exists. Even American companies provide this technology. Have there been any models that show that food in California will actually rise? If so, I'd like to see them. If not, I'm not sure how this speculation about rising food prices is helping.
food. Is that quote accurate?
An excerpt from the huffpo article quotes George Monbiot on the bogus dynamic behind this GMO crop rationalization:
"The world has a surplus of food, but still people go hungry. They go hungry because they cannot afford to buy it. They cannot afford to buy it because the sources of wealth and the means of production have been captured and in some cases monopolized by landowners and corporations. The purpose of the biotech industry is to capture and monopolize the sources of wealth and the means of production ..."
Damn right. We hear the same arguments every time some law is proposed that will put a crimp in the ability of agribusiness to make a buck off selling us crap to put in our bodies.
I think there is an error on the page describing Prop 38. The vote says "Yes" but you clearly mean that the proposition shouldn't be supported.
30 and 38 are mutually exclusive! It says so right there in the voter guide issued by the state. Whichever gets more votes goes into effect and the other does not. The whole reason I came to check your endorsements was to try to research more about which one would help schools most.
Shoddy reporting on that one, though I do appreciate your endorsements generally.
Some commenters on this chatboard have implied that it's stupid to vote for both 30 and 38 since only the one that gets the most votes (and gets 50%+1 support) will be enacted.
Personally I'd never vote for regressive sales taxes so it was easy to Vote No on 30, but Vote Yes for 38 that raises most of its money from the very wealthy. Plus Prop 38 helps pay down state debt which means less money paid to the 1%ers for interest payments, and more money will be paid for important government programs and services.
But here's a column from someone who voted for both propositions that makes sense too. If you want one of the measures to pass, there's no harm in voting for both.
Yes on 37!
The big money food industry is bombarding us with ads against it, but we should be able to know what we are eating!
READ THE JUSTIFICATION. THEY CLEARLY MEAN NO NO NO on 38!!!!!!!!!!
FIX IT! (please!)
I'm going to skip Prop. 40. I can't wrap my mind around it. The *proponents* were *against* it, but now they are not against it?
Here's Prop 40 in a nutshell.
-Republicans sponsored the initiative to change redistricting to a "citizen commission."
-It passed. But the map they got turned out not to their liking.
-So they put an initiative on the ballot to overturn the map that the citizen commission wrote. Within that initiative, it had language saying you could put up the maps for popular vote. A yes vote would approve, a no vote would reject. So that's what the Republicans did.
-But now I think they realize they're not going to get a better map no matter what.
My son, David Kuzia, was arrested for having 1 "cigarette" of marijuana in his possession. He is in the Santa Barbara County Jail. I found out he was taken out of Prop 36 and will most likely end up in jail or prison, thereby adding to the overcrowding of both.
My son was arrested for having 1 "cigarette" of marijuana in his possession. He is now in the Santa Barbara county jail. I just found out he was taken off Prop 36, but never told. He will most likely stay in jail or go to prison, thereby adding to the over population of both. Talk about over kill. Mark Mansfield, his probation officer and the Prop 36 contact, never even bothered to tell him.
My son was arrested for having 1 "cigarette" of marijuana in his possession. He is now in the Santa Barbara county jail. I just found out he was taken off Prop 36, but never told. He will most likely stay in jail or go to prison, thereby adding to the over population of both. Talk about over kill. Mark Mansfield, his probation officer and the Prop 36 contact, never even bothered to tell him.
Related articles
End the death penalty -- Yes on 34. Rizzo and Selby for D5 supervisor. Yes (sigh) on B ... complete endorsements for national, state, and San Francisco races
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U.S. News Rankings
|Ranking score and category
Concordia University is a private institution that was founded in 1972. It has a total undergraduate enrollment of 1,738, its setting is urban, and the campus size is 70 acres. It utilizes a semester-based academic calendar. Concordia University's ranking in the 2014 edition of Best Colleges is Regional Universities (West), 63. Its tuition and fees are $29,630 (2013-14).
|School mission and unique qualities (as provided by the school):
Mission Statement: Concordia University Irvine, guided by the Great Commission of Christ Jesus and the Lutheran Confessions, empowers students through the liberal arts and professional studies for lives of learning, service, and leadership. This mission is pursued through focus on seven educational targets: Systematic Inquiry, Clear Communication, Health and Well-Being, Sociocultural Responsiveness, Aesthetic Responsiveness, Christian Literacy and Life, and Servant Leadership. In accomplishing this mission, Concordia seeks to produce graduates who are wise, honorable, and cultivated citizens.
General Information
|School type
|private, coed college
|Year founded
|Religious affiliation
|Lutheran Church-Missouri Synod
|Academic calendar
|2012 Endowment
When applying to Concordia University, it's important to note the application deadline is rolling, and the early action deadline is December 1. Scores for either the ACT or SAT test are due August 1. The application fee at Concordia University is $50. It is selective, with an acceptance rate of 69.5 percent.
For more information about the tests, essays, interviews, and admissions process, visit the Applying to College knowledge center.
|Fall 2012 acceptance rate
|Application deadline
|SAT/ACT scores must be received by
|August 1
Academic Life
The student-faculty ratio at Concordia University is 18:1, and the school has 57.8 percent of its classes with fewer than 20 students. The most popular majors at Concordia University include: Business Administration and Management, General; Liberal Arts and Sciences/Liberal Studies; Registered Nursing/Registered Nurse; Art/Art Studies, General; and Communication, General. The average freshman retention rate, an indicator of student satisfaction, is 74.8 percent.
|Class sizes
|Student-faculty ratio
|4-year graduation rate
|Five most popular majors for 2012 graduates
Student Life
Concordia University has a total undergraduate enrollment of 1,738, with a gender distribution of 37.8 percent male students and 62.2 percent female students. At this school, 48.3 percent of the students live in college-owned, -operated, or -affiliated housing and 51.7 percent of students live off campus. Concordia University is part of the NAIA athletic conference.
|Total enrollment
|Student gender distribution
|Undergraduate men who are members of a fraternity
|Undergraduate women who are members of a sorority
|Collegiate athletic association
Campus Info & Services
Concordia University offers a number of student services including nonremedial tutoring, health service, and health insurance. Concordia University also offers campus safety and security services like 24-hour foot and vehicle patrols, late night transport/escort service, lighted pathways/sidewalks, student patrols, and controlled dormitory access (key, security card, etc). Of the students at Concordia University, 80 percent have cars on campus. Alcohol is permitted for students of legal age at Concordia University.
|Students who have cars on campus
|Health insurance offered
More About Campus Info & Services
Paying for School
At Concordia University, 70.4 percent of full-time undergraduates receive some kind of need-based financial aid and the average need-based scholarship or grant award is $14,255.
Paying for college doesn't have to be difficult or devastating. Go to the Paying for College knowledge center to get advice on raising cash and reducing costs.
|Tuition and fees
|$29,630 (2013-14)
|Room and board
|$9,050 (2013-14)
|Financial aid statistics
* Overview details based on 2012 data


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This magnificent 11 year-young estate is truly a property where residents can find luxurious country living in picturesque Weston. The 1.25+ acres of its private lush landscape provides the perfect scenic backdrop for this shingle-style home while the spacious, comfortable and luxurious interior offers the most spectacular array of beautifully-designed rooms.
The home's classic exterior architectural details and premier materials provide a fitting introduction to its interior with over 12,000 square feet of beautifully decorated living space that one would commonly admire in a design magazine. The 22 x 18 square foot eat-in kitchen and the neighboring 20 x 16 square foot family room incorporate a central hub where families will frequently unite. The exquisite chef's kitchen supplies premier ingredients to create delicious meals and offers dual seating accommodations with a breakfast bar at the center island and a lovely dining nook. The spacious two-story family room flaunts a cathedral ceiling and a floor-to-ceiling stone fireplace to warm the space during those cool New England evenings. The 25 x 16 square foot fireplaced living room and 15 x 16 square foot dining room provide beautiful settings for formal entertaining and a 29 x 15 square foot media room is presented for more relaxed gatherings. This level also offers a 15 x 14 square foot home office/library and an 18 x 14 square foot bedroom suite for guests or residents who prefer single-floor living.
The second floor hosts a magnificent 19 x 18 square foot fireplaced master suite with a deluxe bath equipped with a double vanity, hot tub/spa and sauna and four additional liberally-sized bedrooms at 18 x 14, 18 x 11, 16 x 16 and 19 x 19 square feet.
The finished lower level was crafted to fulfill residents recreational and leisure interests with a 21 x 15 square foot playroom/gym, a 32 x 16 square foot game room and a wine cellar.
Virtually every facet of this custom-built masterpiece was highly regarded in its initial blueprint, from its private and substantial acreage abutting conservation land to its impressive exterior foundation, right down to its sophisticated and inviting interior that indulges a lifestyle of sophistication and comfort. This property has the credentials that many potential homebuyers would request for their own custom build with the advantage that the labor and efforts have already concluded and the only task remaining is unpacking......and yes, enjoying the surroundings.
Location: 7 Nottingham Ln.
Price: $2,995,000
Rooms: 14
Bedrooms: 6
Baths: 4 full, 2 half
Living Area: 12,590 sq. ft.
Lot Size: 55,755 sq. ft. (1.28 acres)
Listing Agent: Rosemary McCready, Coldwell Banker Residential Brokerage-Weston, 781-223-0253
If you are a Realtor or a home owner selling a home and want to be featured in an upcoming Home of the Week, please email Michele Taranto at firstname.lastname@example.com.


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Richard Finger, Subscriber
I expose the folly in boardrooms and capital markets.
There is a glut of natural gas. Everybody knows that. There's so much of the latest multi stage hydraulic fracturing going on from New York State to Texas and all places in between, prices will be low forever. But just as a full watering hole can deplete quickly the current gas storage glut can recede. In fact it already has been and at an alarmingly brisk pace and there may be a confluence of other events which could hasten the process. Consider this. The weekly EIA natural gas storage numbers reported each Thursday came in with a 28 billion cubic feet (bcf) injection. The inventory increase last year at this time was 67 bcf while the five year average accretion was 74 bcf. So true that one week does not a trend make. But this makes eleven straight weeks that have experienced below average storage injections. After Thursday's numbers were released inventories stood at 3.163 Trillion Cubic Feet or 19.2% above last year but only 17.5% above the five year average. A seemingly decent cushion until you consider as recently as May 10 stockpiles were 48.4% and 49.9% ahead of the previous year and the five year averages respectively. So the question becomes, why are rates of gas injection dropping so precipitously unless the shale plays are actually unable to produce the necessary incremental volumes.
A Little History And Some Facts
Natural Gas production in the US was declining steadily until 2005 into what many perceived as an irreversible trend with an implication of persistent shortages. Enter the knight in shining armor; horizontal resource drilling. Daily gas production increased from 51 bcfd in 2005 to an average of 66.2 bcfd (billion cubic feet per day) in 2011. Some months have even spiked above 70 bcfd. The natural gas rig count peaked at 1,600 in the summer of 2008. No coincidence gas prices topped out concurrently the first few days in July at $13.28 per mcf. So in six plus years while gas drillers were able to increase daily supply by 30% demand has increased only half that amount. The result has been a spot gas price that bottomed on April 17, 2012 at $1.89 per mcf (thousand cubic feet). But the pendulum is now trending in the other direction as power suppliers and the transportation industry begin to capitalize on the low price of natural gas.
The EIA (US Energy Information Association) has prognosticated a 2012 daily production average of 68.98 bcfd and consumption of 69.91 bcfd. Methinks those production numbers extravagantly optimistic and yet the agency continues to publicly adhere to them. Firstly, actual output over the last two months has already slipped to a bit under 64 bcfd. Next, the natural gas rig count collapsed to 486, a thirteen year low, on June 22 and had made only minimal recovery to 518 rigs as of last week. Lastly, numerous major gas producers such as COP and CHK have shut in parts of their dry gas production and are switching their drilling programs away from dry gas to natural gas liquids and oil. Conversely, consumption may exceed EIA projections. Here's why. Hotter than usual temperatures across much of the country especially in the population heavy northeast is causing excess energy demand. Another thought provoking data point from the EIA last week reported that for the first time in history natural gas fired power plants generated more electricity than coal fired plants. That's quite a milestone. Each now comprise 32% of U.S. power generation. Gas is cleaner and at current prices is a cost effective coal alternative. Adding to short term supply pressures, four nuclear power plants are down, all effecting east coast residents. Though still in early stages numerous fortune 500 companies such as Fed Ex and UPS are transitioning to natural gas powered trucks. A national fueling system is near completion with locations along the major interstate arteries.
Drilling Economics
The earliest horizontal resource drilling was done by Mitchell Energy (now part of DVN) in 2005 in the Barnett Shale which is in and around Fort Worth, Texas. Horizontal fracturing into shale has become much more sophisticated since those early days, with enhanced recovery of gas in place, although at much greater cost per well. An average 20 stage horizontal dry gas well in the South Texas Eagle Ford Shale or the East Texas/North Louisiana Haynesville play may cost $8.5 to $12 million. It will be drilled to vertical depths of 8,000 to 12,000 feet below surface. I have examined production data for over 50 wells that have been operating for 9 months to over a year and a half. Now let's do some arithmetic. Let's assume an average well cost of $10 million with an estimated ultimate recovery (EUR) of 6 bcf. At $2.00 per mcf gross expected revenues are $12 million and at $3.00 mcf revenues are $18 million and so on. Don't forget about the expense side of the ledger. There is the mineral owner royalty payment which is often ¼ or 25% which comes right off the top. There are state severance taxes which vary from state to state but in Texas are 7.5%. There are ad valorem taxes of about 2% as well. Operating expenses will average $120,000 to $160,000 per well per year. Then the gas must be "cleaned" to make it conform to pipeline specifications. The highly toxic H2S (hydrogen sulfide) and CO2 (carbon dioxide) are removed along with excess water to get the gas below 7 ppm (parts per million). Only then is it ready to go into a KMP or EPD main high pressure sales pipeline. Estimated price tag for this gas prep is at least $.25 per mcf. Then after some number of years the well pressure will fall below certain levels and a compressor will need to be installed. If gas prices are low (like now) and the well's gas production has declined to a small fraction of its original flow rates, the calculation is made as to which is more economic; install the compressor or shut in the production all together. The latter is the decision reached by hundreds of producers across the country. You are welcome to check my calculations but you lose a whole lot of money at $2.00 gas, lose some money at $3.00 gas, and make less than a 5% return at $4.00 gas. And all this assumes you can make an average of 6 bcf per well. The debate on this issue is becoming quite spirited. Recent data now suggest that many of these deep multistage horizontal wells are declining at greater than anticipated rates of 80% to as much as 90% in the first year. This was the case for almost all the well data that I inspected. So this means if production began at 5mmcf (million cubic feet) per day that by the end of year one that number may be reduced to 500 mcf to 750 mcf per day. The equally consequential part of this dispute is how long does this production last. The certain answer is that nobody knows for sure. The technology is so new that there aren't any deep (below 10,000 feet) multistage horizontals that have been on production for 10 years or even 5 years. But if, and it is if, the "tail" in these shale wells fizzles out and the well becomes uneconomic after 8 or even 12 years instead of the projected 25 year life then the entire economics of the shale boom must be revisited.
i've got to agree with nickgrealy. there are hundreds of wells that have been drilled but not yet hooked up to pipelines. why sell your gas into storage when you can store it in your own field and wait for prices to turn up? furthermore, all the big dry gas plays like the haynesville and fayetteville have virtually no rigs drilling right now. but those rigs will be easily brought back in as soon as the price makes it economic to do so. that break-even in the haynesville is probably around $6. what's more, as good as the shale plays are, there's oodles more gas to be had in the ultra deep, shallow waters of the GOM that McMoran Exploration is exploring. massive reserves that won't decline nearly as fast as the shales.
You forgot to mention new natural gas vehicles and membrane technology that uses natural gas. This is a permanent fixed user rate that will slowly escalate.
Finally, someone who understands what is going on. Have no doubts, the lemmings who brainlessly spout that we have 100 years of free natural gas will continue to say we have 100 years of free natural gas until, as you say, we are looking at $8 BTU gas or temporary spikes to $12 BTU gas. Then the lemmings will disappear and the mantra will be that we do not have unlimited natural gas and to extract the limited amount of natural gas that we have will be expensive – just what you are saying
Natural gas(fossil methane) and biomethane are both the same thing, methane, CH4. Same stuff, CH4. Fossil methane and biomethane can be mixed together in any proportion with no loss of performance in any application.
Biomethane can be produced by anaerobic digestion from any type of organic waste at all, including landfills and sewage. The process is low tech, easy to set up and use, safe, non-toxic, efficient and exothermic. The waste by products of methane production by anaerobic production are clean water and compost—both valuable commidities in themselves. We need to treat sewage and tap landfills anyway.
Why would anyone invest in drilling for fossil methane at $8 when biomethane can be produced for only slightly over 1/4 the cost?
Is there somebody, anybody who can make bio CH4 at $2/mcf? Is this process scalable?
Richard, A great article reflecting sensible exploitation policies in N America, and I look from across the pond in England and hope that we in Europe will adjust our energy policies accordingly. Right now England and Germany are using coal to generate more than 40% of our electricity requirements, because the local gas price is stuck high… When we can leverage the shale supplies, we will be in a better position, both with affordable power and reduced carbon emissions. Welcome anyway to the world of affordable energy, and congratulations on becoming a net exporter. Best regards, RM
to demonstrate where natural gas prices are going – Alaska is actively promoting thier natural gas reserves with the promise that they can provide natural gas between $8 BTU and $12 BTU. Alaska must think natural gas prices are headed north.
The real issue is the production costs of natural gas from shale reserves. The natural gas industry overstated natural gas reserves and vastly understated the cost of extractingn natural gas in order to obtain loans. Another housing bubble. Unfortuneately, although we now know that the 100 years of natural gas reserves was vastly overstated, we are still in he dark as to the cost of extracting natural gas. Obviously the cost of extraction is above the present $3 BTU but how much more? My guess is that Alaska has it right. Shale gas extraction will be economical at about $8 BTU
Can you provide a link to some current info on the natgas Alaska is promoting at $8 – $12? Futures contracts price natgas under $5 all the way out to 2019. Seems like utilities, mfrs, etc., would just start bidding up those prices.
Thank you for the great post, Richard. Two comments and a question . . .
The low cost of gas is bringing manufacturing back to America, and that takes time to work itself out but will boost demand.
Cheniere just got funding for its liquifying export facility, which will send lots of supply abroad.
Isn't it also true that new gas wells have the ability to let up the liquids and simply keep the gas in the ground, and that that can easily be switched at will to let the gas come up when the price is right?
Thanks again.


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I found this on a discount cosmetic site, believe cause it was being discontinued as I haven't found it anywhere bar eBay. Such a shame, I've tried hundreds of other foundations, which I think this one can slide if you lean or wipe your face, I always have the best finish with this and my skin doesn't feel all sticky like with other foundations. I would recommend it to anyone, and will be searching the web trying to find a good retailer who sells it.
I found this foundation very cakey and it rubbed off easily.
I bought this foundation after seeing all the fantastic reviews. I wish I hadn't! I am thoroughly disappointed in this foundation, I bought in 51 the lightest shade and the shade was fine for my colouring. However, it is cakey and made my combination skin look flaky.
Also the smell of this foundation is awful, it really bothered me.
I suggest Bourjois Healthy Mix Foundation, smells great and feels lovely.
I have used it a couple more times and it is not all bad, the feel is nice but the smell still bothers me, it smells very strong.
However, the look of it is great and it covers redness really well. It does not last all day for me however and will need a touch up.
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Ingredients:Cyclopentasiloxane,Dimethicone,Dimethicone Crosspolymer,Silica,Phenyl Trimethicone,Cyclohexasiloxane,Aluminum starch octenylsuccinate,Methyl methacrylate crosspolymer,Tribehenin,C30-45 alkyl methicon,Lauryl PCA,C30-45 Olefin,Tocopheryl Acetate,Aluminum hydroxide,Stearic Acid,Triethoxycaprylylsilane,Parfum, Mica ,CI 77891,CI 7749,CI 7749,CI 77007
I wish there isn't dimethicone. :(
This is HG worthy for me. I have been on the long hunt for a good foundation that has lasting power, doesn't look caky, and suites my yellow toned skin. Im NC30 and bought 83 based on reviews. I had to buy this off amazon because I live in the US and this brand isn't available here. When I received this I immediately thought "this is so dark!" and much to my surprise, it goes on way lighter than what it looks like. In fact, it matches me perfectly! It's very yellow, so if you have more pink or neutral tones, im not sure if this will work for you. The lasting power is magnificent! and glides on so effortlessly. It makes my skin looked airbrushed.I actually like the little brush it comes with. The packaging is small, which I also like for traveling purposes. I just hope that this isn't discontinued because FINALLY I found a foundation I love for cheap!
it stays on a really long time which is super important :D
I have tried so many "whipped cream" or mousse type foundations from No. 7 to Revlon's version. I also know that there is an Etude, Skinfood, Too faced, and Tony Moly version. But after looking at many reviews Boujoir's version is supposed to be the best because it has great oil control and is a mineral product (apparently natural). I have to agree, this is amazing! I am sad that this product is being discontinued but I purchased this online through Amazon for about $10 which usually retails around $25+ (On asos for USA). My skin is really oily and acne prone. My skintone has yellow undertones and I would say my face is about NC20-25 and the color 83 is a perfect match! I have to say this consistency is not mask-like such as the Revlon Colorstay Whipped Creme Foundation, it is really airy and light to the touch like the No. 7 Intelligent Balance Mousse Foundation but wayyy better at blending and oil control. The finish is completely matte, no shine what so ever, like a powder finish! Coverage is light to medium (buildable) but you need a concealer for blemishes and under-eye dark circles. I love this foundation because it lasts all day and oil control is 4-5 hours with powder for me. It doesnt look like youre wearing makeup at all!! A little product goes a long way and I love that the product comes with a small buffing brush that is perfect for applying this foundation. The brush is amazing and doesnt shed :D
Mousse cream consistency
Matte finish but natural looking
Yellow undertones
Oil control of about 4-5 hours
Not transfer resistant (can tend to have indentations if youre wearing glasses)
Might be discontinued? Hard to find....
Light coverage (can be buildable to medium)
Not good for flash photos due to the minerals in the foundation
I wouldnt repurchase again since it is being discontinued.
I have acne prone+oily skin, most foundations I find are not friendly to this combination. Bourjois' Mousse Foundation, however, is. It's amazing if you're looking for medium coverage (some redness or discolouration from acne say) but if you're having a severe flare-up or deep-pitted scars you might need to add a good concealer to your regiment. Oil wise, I can wear this all day without the fear that at the end of 4-5 hours my face will be shiny-gross. It is pretty affordable, very easy to use and a good size for travel. One container can last about 3 months for me; a little goes a long way with this one.
Usage note: I use a coverFX acne primer for acne prone skin before applying foundation, PUR minerals balancing powder to set, and, because of my uber active oil glands, Urban Decay De-slick spray.
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EDIT : 1/11/2013 : This has broke me out terribly. Never had this problem before , used to be my "go-to" foundation for covering up my spots. After finishing my previous one , bought another one and it has given me some of those painful spots . I very rarely get them and on top of that , some really annoying itching . Maybe it was an old batch but Im discontinuing using.
I am a big fan of Bourjois. Luckily it's easily available in the UK , so Im never short of a supply of foundation or lippy.
This has to be my most re-purchased foundation. Im quite fickle when it comes to sticking to one brand and one foundation, I do like to experiment. But I will always return to this or have a supply of this handy.
It covers imperfections beautifully. Spots, redness , even dark circles - instead of concealer. It has an unusual smell ( my bf has asked me a few times what that smell is ) but it doesnt linger or I cannot smell it myself after a few minutes.
I have to say , with me having rather dry skin , this can be a bit tricky in using the mousse. Sometimes it does leave visible patches where your skin it's at it's driest. But that is rare.
I love the ease of the application , with the mini kabuki brush that comes with the foundation pot.
Definitely a keeper!
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I've never used mineral nor mousse foundation, but I must say I'm impressed.
I couldn't decide weather to buy 82 or 83, but ended up buying 82.
It gives a medium, buildable, matte coverage. I have oily/combo skin, and since my dry parts after applying the foundation show off, I wouldn't advise those with dry skin to use.
Pro: The final apperance was a nice, silky skin (except those patchy parts). No blemishes or minor scarings are visible.
Con: When you look closer, you can see the foundation, like when you apply a powder foundation to non-moisturized skin (I did use a moisturizer each time before applying!). I didn't like the color, and ended up buying the shade 83, too. i would't buy an extra one (when I don't like how a foundation looks on me, I end hateing the product whatsoever), but since it's being discontinued, the price was in half.
Now I'm mixing them and am fully satisfied - the color match is much better.
For ref. I'm nc25-30.
The package contains 18ml , and compared to HM serum, gives a more pricey product. And I think those two won't last me more than 2 months with everyday use.
I have the HM serum, used about 1.5 months, every day, and it looks almost new, I've spend 2mm of product! What I don't like about the serum, and do like about the mousse, is the "longlivety" of the foundation on the skin. Both need to be re-blotted after few hours, but mm looks less shiny. The serum is def. for those of normal/dry skin.
I removed 2 lippies. Why? It looks horrid after 4 hours. Right now it is cold (-1 degrees Celsius ) and the foundation makes my skin look flaky (dry spots, acne and similar blemishes) and vanishes from other parts of my oily skin (those clean areas).
The foundation would be the best foundation in the world if it looked the same after 4 hours as it looked the moment it was applied - my skin was ever so flawless. No blemishes, no visible pores, no nothing. Just baby skin. But with the day passing, ... Sad.
Caution: definitely NOT for DRY skin since it makes dry parts VISIBLE.
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Countdown to Sochi!
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July 30, 2014
GRAND JUNCTION, Colo. (KKCO) -- With week four of the high school football season approaching, Jim Davis from The Team 1340 joined us to talk about this weekend's match-ups on the sideline showcase.
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Prep15 m
Cook45 m
Ready In2 h 15 m
"A favorite from my childhood. I love this recipe! Very tasty, easy, and it turns out great every time."
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Adjust Servings
Original recipe yields 1 8-inch pie
- Preheat oven to 375 degrees F (190 degrees C).
- Place 1 cup of sugar into a saucepan, and mix in the rhubarb; add butter, and bring to a boil over medium-high heat. Cook, stirring often, until the rhubarb is tender, about 10 minutes. Stir in the strawberries, and set aside. Let cool to lukewarm. Beat the eggs in a bowl until frothy, and mix into the rhubarb mixture.
- Unroll the pie crusts, and line an 8-inch pie dish with a crust; pour the filling into the bottom crust. Place the second crust on top of the pie, and press the edges together. Crimp edge with a fork to seal. Cut 4 1-inch slits in the top of the crust with a sharp knife. Pour milk into a small bowl, and brush top crust with milk; sprinkle pie with 3 more tablespoons of sugar.
- Bake the pie in the preheated oven until the crust is golden and the filling is set, 45 minutes to 1 hour. Allow pie to cool before cutting. Refrigerate leftovers.
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Reviews (4)Rate This Recipe
I believe this recipe is inaccurate. I've never made this type of pie, so I followed the recipe exactly. First the ingredients call for 9" crust, but directions say 8" - I used 8". The recipe states 1/2 cup butter - this turned out to be too much! You use just as much butter as strawberries. Needless to say, it did not turn out right. It cooked fine, looked beautiful on the outside, but very little taste on the inside. I also used fresh rhubarb, cut up, and 10 minutes was too long to cook it for.
Easy recipe. Just watch your cook time - more ripe equals less stove cook time for your Rhubarb. Flavor was great.
This recipe is far too sweet. I had to add the juice of a full lemon, lemon rind, and an extra cup of rhubarb to temper the sugar. I also used frozen rhubarb and it only took about 2 minutes to get soft. I appreciate the basic ingredients list (I made my own pie crust though), but there's a lot of tweaks necessary.
Similar Recipes
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Amount Per Serving (6 total)
- Calories
- 669 cal
- 33%
- Fat
- 38.7 g
- 60%
- Carbs
- 76.3 g
- 25%
- Protein
- 6.7 g
- 13%
- Cholesterol
- 111 mg
- 37%
- Sodium
- 473 mg
- 19%
Based on a 2,000 calorie diet
previous recipe:
Crumb-Topped Strawberry Rhubarb Pie
next recipe:
Summer Strawberry Rhubarb Pie


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Smokers beware! Big changes are likely coming to Cherry Hill, New Jersey, and it could cost you big money. The Mayor is proposing a new ordinance that would ban smoking and chew tobacco throughout much of the township. Southern New Jersey has a significantly higher rate of new cases of lung cancer, compared to northern New Jersey. So Cherry Hill Mayor Chuck Cahn wants to do something about it, to help protect the next generation. And he's getting a lot of support from parents.Joseph Cassell's four-year-old twin daughters are budding athletes who love being outdoors. So he brought them to DeCou Park in Cherry Hill. The family doesn't actually live in the township, but they may be coming here more often. "Oh, absolutely!" Cassell told Fox 29.That's because of the proposed ordinance, which is on the verge of becoming law. It will ban smoking on all property owned by Cherry Hill Township. That includes playgrounds, parks, ball fields, and libraries. "A smoke-free zone where there's no fear of any second-hand smoke, I very much buy this idea," Cassell said."This is a significant policy change, one that carries real enforcement power," Mayor Cahn explained. Before now, Cherry Hill only had a resolution against smoking in public places, but smokers faced no actual fines. If the ordinance does take effect, a first offense could cost $100 to $150 dollars. And it only gets more expensive after that. "My hope is that Cherry Hill will set an example for other organizations and other towns and our neighboring communities," Mayor Cahn added.Supporters of the ordinance want to curb second-hand smoke, but they also want to change mind-sets for the next generation. "If you ask kids today they do not remember being able to smoke in a restaurant," Kim Burns of Tobacco-Free for a Healthy New Jersey told Fox 29. "And that's our hope with passing the policies in the park, that there will be a day that they didn't know that people could actually smoke in parks."Cherry Hill Township Council is scheduled to take a final vote on the ordinance later this month. All of the council members indicated they support the measure. It would become law in December, and the fines would kick in starting in January.
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