Category Archives: Admissions


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  • Phone: (574) 239-8400
  • Fax: (574) 239-8323
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    Holy Cross College
    54515 State Road 933 North
    P.O. Box 308
    Notre Dame, IN 46556



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Non-Payment of Tuition

Policy for the 2016-2017 School Year

Enrollment constitutes a financial contract between the enrolled student and Holy Cross College. Tuition is due August 1, 2016 for the Fall term and January 1, 2017 for the Spring term.

If the student has a balance remaining on his/her account by the first day of class, the balance must be paid by the last day of drop/add or the student’s schedule will be dropped and they will be dismissed from the college.

Fall 2016 Payment Timeline

  • Tuition due on August 1, 2016.
  • First day of class is August 23, 2016.
  • Last day to drop/add is August 29, 2016
  • Student’s account must be paid in full by August 29, 2016

An extension may be granted for the following exceptions:

  • Student was flagged for verification and they have provided all the information that they can to Financial Aid but the verification is not finalized; or
  • Student has applied for a private loan but it has not been disbursed yet. MUST provide documentation or verification to Financial Aid that the loan is approved and being processed; or
  • Parent has applied for the Plus loan and is waiting for approval or denial; or
  • Student has applied for a payment plan through Notre Dame Federal Credit Union and is waiting for verification of the amount and approval from Holy Cross College; or
  • Student committed to attend Holy Cross College after August 1 and makes request for extension of payment arrangements.

Students must request an extension with the Bursar or the Director of Financial Aid no later than the first day of classes.  Extensions are not guaranteed and will be granted at the discretion of the VP of Administration.

Withdrawal and Return of Title IV Funds (R2T4) Policy

How a withdrawal affects financial aid

Federal regulations require Title IV financial aid funds to be awarded under the assumption that a student will attend the institution for the entire period in which federal assistance was awarded. When a student withdraws from all courses for any reason, including medical withdrawals, he/she may no longer be eligible for the full amount of Title IV funds that he/she was originally scheduled to receive. The return of funds is based upon the premise that students earn their financial aid in proportion to the amount of time in which they are enrolled. A pro-rated schedule is used to determine the amount of federal student aid funds he/she will have earned at the time of the withdrawal. Thus, a student who withdraws in the second week of classes has earned less of his/her financial aid than a student who withdraws in the seventh week. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any funds.

Federal law requires schools to calculate how much federal financial aid a student has earned if that student:

  • completely withdraws or
  • stops attending before completing the semester

Based on this calculation, Holy Cross College students who receive federal financial aid and do not complete their classes during a semester or term could be responsible for repaying a portion of the aid they received.

The following policies will help you to understand that a withdrawal potentially affects students academically as well as financially. We encourage students to read all the information below prior to making a final decision.

How the earned financial aid is calculated

Students who receive federal financial aid must “earn” the aid they receive by staying enrolled in classes. The amount of federal financial aid assistance the student earns is on a pro-rated basis. Students who withdraw or do not complete all registered classes during the semester may be required to return some of the financial aid they were awarded.

Institutions are required to determine the percentage of Title IV aid “earned” by the student and to return the unearned portion to the appropriate aid programs. The school must return the funds within 45 days of the calculation.

For example, if a student completes 30% of the payment period, they earn 30% of the aid they were originally scheduled to receive. This means that 70% of the scheduled awards remain “unearned” and must be returned to the federal government. Once 60% of the semester is completed, a student is considered to have earned all of his/her financial aid and will not be required to return any federal funds.

The following formula is used to determine the percentage of unearned aid that has to be returned to the federal government:

  • The percent earned is equal to the number of calendar days completed up to the withdrawal date, divided by the total calendar days in the payment period (less any scheduled breaks that are at least 5 days long).
  • The payment period is the entire semester.
  • The percent unearned is equal to 100% minus the percent earned.

Steps in the return of Title IV funds policy

Step 1: Student’s Title IV information

The financial aid office will determine:

  1. The total amount of Title IV aid disbursed for the semester in which the student withdrew. A student’s Title IV aid is counted as aid disbursed in the calculation if it has been applied to the student’s account on or before the date the student withdrew.
  1. The total amount of Title IV aid disbursed plus the Title IV aid that could have been disbursed for the semester in which the student withdrew.

Step 2: Percentage of Title IV aid earned

The financial aid office will calculate the percentage of Title IV aid earned as follows:

The number of calendar days completed by the student divided by the total number of calendar days in the semester in which the student withdrew. The total number of calendar days in a semester shall exclude any scheduled breaks of more than five days.

Days Attended ÷ Days in Enrollment Period = Percentage Completed

If the calculated percentage completed exceeds 60%, then the student has “earned” all the Title IV aid for the enrollment period.

Step 3: Amount of Title IV aid earned by the student

The financial aid office will calculate the amount of Title IV aid earned as follows:

The percentage of Title IV aid earned (Step 2) multiplied by the total amount of Title IV aid disbursed or that could have been disbursed for the term in which the student withdrew (Step 1-A). Total Aid Disbursed x Percentage Completed = Earned Aid

Step 4: Amount of Title IV aid to be disbursed or returned

  • If the aid already disbursed equals the earned aid, no further action is required.
  • If the aid already disbursed is greater than the earned aid, the difference must be returned to the appropriate Title IV aid program.

Total Disbursed Aid Earned Aid = Unearned Aid to be Returned

  • If the aid already disbursed is less than the earned aid, then the financial aid office will calculate a post-withdrawal disbursement.

Determination of the withdrawal date

The withdrawal date used in the return calculation of a student’s federal financial aid is determined by the registrar. If a student stops attending classes without notifying the college, the withdrawal date will be the last date of academic activity determined by Holy Cross. Additional documentation supporting the last date of academic activity may be provided by the student if they verify a later date of attendance than determined by Holy Cross.

Withdrawing prior to completing 60% of a term

Unless a student completes 60% of the term in which federal aid was disbursed, the student will be required to return all or part of the financial aid disbursed in the term. This applies to students who have officially (including medical), or unofficially withdrawn.

When a student fails to begin attendance

If a student receives financial aid, but never attends classes, the financial aid office must return all disbursed funds to the respective federal and institutional aid programs.

When a student fails to earn a passing grade in any class

If the student has not completely withdrawn but has failed to earn a passing grade in at least one class for the term, federal regulations require the school to determine whether the student established eligibility for financial aid. Eligibility is based on if the student attended at least one class or participated in any Holy Cross College academic-related activity. All disbursed funds must be returned to the respective federal and institutional aid programs if the student cannot prove that he/she began attendance.

If the student can prove to have participated in a Holy Cross class or academic-related activity past the 60% date, the student will not be required to return any disbursed financial aid. The student’s bursar account will be updated and the student will be responsible for any other charges that may have been applied to their account.

Students who are able to verify attendance beyond Holy Cross’s records may submit supporting documentation to the financial aid office. The student must submit supporting documentation within 30 days from the last date of the term. Recalculations for aid eligibility will not be performed for documentation received after that date.

Student notification of repayment

A notification letter outlining the amount returned to the federal and institutional program(s) along with the federal government’s repayment worksheet will be mailed to the student’s permanent address. Holy Cross will return funds on the student’s behalf to the appropriate federal and institutional aid program(s) and subsequently will bill the student’s account. A statement reflecting these charges will be sent to the student. The student is responsible for all charges and overpayments resulting from a Return of Title IV calculation.

Repayment to federal and institutional aid programs

Federal regulations and Institutional policy require that the following aid programs be subject to the repayment calculation if the student did not attend 60% of the term:

  • Federal Direct Loans: Unsubsidized and Subsidized
  • Federal Perkins Loans
  • Federal Direct Parent PLUS Loans
  • Federal Pell Grant
  • Federal Supplemental Educational Opportunity Grant (FSEOG)
  • TEACH Grant
  • Institutional Grants and Scholarships

Overpayment of federal grant funds

Federal regulations provide that 50% of the unearned amount of all federal grants is protected by the federal calculation. Any grant amount subject to repayment will be billed to the student’s bursar account as an overpayment. Upon receipt of payment from the student, Holy Cross will return the funds to the appropriate grant program(s).

Additional loan information to consider when withdrawing from any class

Anytime a student is enrolled less than part-time the grace period begins. The student’s grace period for loan repayments for Federal Direct Unsubsidized and Subsidized Loans will begin on the day of the withdrawal from the school. If the student is not enrolled part-time for more than 6 months, the loans will go into repayment. The student must contact the U.S. Department of Education (ED) or his/ her lender(s) to make payment arrangements. Any questions regarding a student’s grace period or repayment status should be directed to his/her lender.

School and student responsibility for return of unearned federal funds

The student and the school are both responsible for returning unearned federal financial aid to the federal government. The student will be billed for any amount due as a result of the return of federal aid funds (R2T4) calculation.

Consequences of non-repayment

If a student does not repay the grant funds that are owed to the government within 45 days, the account will be turned over to the U.S. Department of Education (ED) as an overpayment of federal funds. Students who owe an overpayment of Title IV funds are ineligible for further disbursements from federal financial aid programs at any institution until the overpayment is paid in full or payment arrangements are made with the U.S. Department of Education.

If a student does not pay funds due to Holy Cross to cover their balance, the student’s records will be placed on financial hold. This means he/she will not be permitted to register for classes or receive transcripts until the balance is paid.

School responsibilities in regard to the R2T4 policy & process
(Holy Cross College’s responsibilities in regard to the Return of Title IV funds)

  1. Providing each student with the information given in this policy;
  2. Identifying students affected by this policy and completing the Return of Title IV Funds (R2T4) calculation;
  3. Informing the student of the result of the R2T4 calculation and any balance owed to Holy Cross as a result of a required return of funds;
  4. Returning any unearned Title IV aid that is due to the Title IV programs and, if applicable, notifying the borrower’s holder of federal loan funds of the student’s withdrawal date;
  5. Notifying student and/or Plus borrower of eligibility for a Post-Withdraw Disbursement, if applicable.


Satisfactory Academic Progress Policy

Federal regulations require colleges to establish and apply reasonable standards of satisfactory academic progress (SAP) for the purpose of the receipt of financial assistance under the programs authorized by Title IV of the Higher Education Act.  Each institution must design criteria which outlines the definition of student progress towards a degree and the consequences to the student if progress is not achieved.  Holy Cross College students who wish to be considered for financial aid must maintain satisfactory progress in their selected course of study as set forth in this policy. In addition to the basic policies and procedures outlined in this document, the financial aid office follows the guidance on these issues outlined in the HEA regulations and the Federal Student Aid Handbook published on

The Holy Cross College SAP policy is applied consistently for all Holy Cross students, regardless of their receipt of federal or state aid, at the end of each payment period. Holy Cross is a semester school and offers classes during three periods of enrollment per year: fall, spring and summer. The financial aid office runs the SAP process after grades have been posted for the semester so students can be contacted with the results of the process prior to the beginning of the next semester.  In order to achieve satisfactory academic progress, a student needs to meet GPA, Timeframe, and Pace Requirements, which are explained below.

GPA Requirement

Holy Cross College requires that all students achieve a 2.0 GPA each semester and maintain at least a cumulative 2.0 GPA to meet GPA standards for SAP.

Please note that the cumulative GPA includes all developmental courses and courses dropped after the 100% refund period. Transfer hours from other institutions are excluded.  All incompletes (I’s), Withdrawals (Ws), Credit/No Credit, Pass/No Pass courses are included in GPA calculation.  However, the new grade for repeated course replaces the old grade in the GPA calculation.

Timeframe Requirement

All students must complete their degree within 150% of the credit hours required for their officially-declared degree (150% rule). The average timeframe to complete a degree at Holy Cross College is 120 credit hours, making the 150% maximum timeframe 180 “attempted” credit hours.

The credit-hour maximum will consider all Holy Cross College credit hours and transfer hours from other institutions. All Holy Cross credit hours are considered even if federal and state aid was not received during some semesters.

Pace Requirement

Students must satisfactorily complete at least 67% of their overall cumulative attempted credits or they need to successfully complete 10 credit hours each semester (whichever is higher) hours to meet the pace requirement for SAP.

The total number of attempted credit hours for each semester is multiplied by 67%, depending on the student’s cumulative credit hours attempted. This number represents the minimum number of credit hours the student must complete that semester.

Example: A new student who begins fall semester with 15 credit hours must complete a minimum of 10 credit hours that semester.

15 credit hours X .67 (67) = 10.0 credit hours. If a student is enrolled for

12 credits, he or she is not allowed to drop below 10 credits at the end of a term. If he or she does, they will be on financial aid probation.

Please note that all incompletes (I’s), Withdrawals (Ws), Credit/No Credit, Pass/No Pass courses are included in pace calculations.  To complete credit hours means to receive a grade of A, B, C, D or F. Grades of I, FA, U, and W are considered non-progress grades and may cause financial aid ineligibility. Transfer hours from other institutions are excluded.

Remedial Credit Limitation

No student may receive financial aid for more than 12 credits (four three credit hour courses) of remedial coursework taken at Holy Cross College.  Remedial courses are defined as all courses under the 100 level, except ESL courses.  Once a student has attempted 12 or more remedial credits, he /she will have only college level courses funded, assuming all other aspects of SAP are being met.

Repeating Courses

Students can only repeat completed courses one time and still have the course covered by Title IV funding.  Students wanting to improve grade point averages, or obtain a better grade for transferability, may be required to pay for those courses out of pocket.  All repeated courses do affect financial aid satisfactory academic progress calculations. A repeated course along with the original attempt must be counted as attempted credits, therefore, applies toward the 150% timeframe requirement.

 Warning and Ineligible Status

When the SAP process is ran at the end of each semester, new students who are not meeting SAP standards for the term or returning students who are not meeting SAP standards for the first time are placed in “Warning” status. Financial aid eligible students in “Warning” status will still be eligible for state and Title IV federal funding for one more term.
If a student in “Warning” status is still not meeting SAP standards at the end of the next term, he/she will then become financial aid “Ineligible” and will be ineligible for federal aid, state aid, and some institutionally-based aid.

Notifications to students regarding SAP results and decisions will be sent via US mail, email (in some cases) and information is available on students’ portal accounts in real time. Please note that students who have reached the maximum allowable credit hours will not receive a warning and will be deemed ineligible for financial aid regardless of any prior SAP status.

Appealing a SAP decision

A financial aid “Warning” is not appealable. Once a student has become financial aid “Ineligible” there are two ways this student can become eligible for financial aid again. They are:

  1. A student can appeal their financial aid status by completing an appeal form, which includes a letter explaining the circumstances responsible for his/her poor academic performance, supporting documentation of the circumstances, and a documented, measurable, plan of study to correct the poor academic performance. The appeal must also describe what has changed in the student’s life regarding the situation so the student can be successful when SAP is run again.
  1. Attend school AT THEIR OWN EXPENSE until they again meet SAP standards.

The financial aid appeal committee will review cases on an individual basis and will notify the student of their decision via mail or email within fifteen days.

If a student appeals an “Ineligible” status and is approved, he/she will then be placed on financial aid “Probation.” The student’s status and adherence to his/her academic plan will be reviewed after SAP has been run each term. The student will be eligible to receive financial aid in “Probation” status.

If the student successfully completes the semester’s academic plan by completing and passing ALL attempted credit hours but does not yet meet standard, their “Probation” status will be continued when an updated academic plan is submitted and accepted by the financial aid office.

If the student does not complete the semester’s academic plan, he/she will then become ineligible for federal and state funding AND will be unable to file another appeal to receive aid. Re-establishing eligibility can only be accomplished by attending another institution and transferring in successful credit hour completions (in the PACE situation), or paying tuition at Holy Cross College until they meet SAP standards again.  Once the student meets standard, their “Probation” status will end and they will be restored to “Satisfactory” status.

Appealable circumstances include but are not limited to: the death of a student’s family member, serious illness or injury of the student or other serious, unavoidable, DOCUMENTED, circumstances. Acceptable “supporting documentation” may include: letters from student’s clergy, high school officials or medical professionals, copies of bills or statements from medical providers, or any CREDIBLE source involved in the special circumstance.

Major/Degree Requirements

A student receiving financial aid can only officially declare one degree at a time. Students pursuing a second degree must submit a degree completion plan signed by the student as well as the academic advisor for their degree program. The plan must indicate the courses required as well as the timeframe to complete the additional degree. If the student has attempted the maximum number of semesters or if their degree completion plan will cause them to exceed that limit, they may be denied financial aid.

For students who change decide to change their academic majors, any credits or grades that do not count toward the new major will not be included in SAP calculations.


Student Ambassadors

Many are called. Few are chosen. The Student Ambassadors of Holy Cross College are those students who eat, sleep and breathe Holy Cross. From giving campus tours and calling prospective students on the phone to assisting in shadow days, our student ambassadors can answer all your questions about Holy Cross and why we say, “HC is the place to be.”

image (37)Michael Adamo

Chicago, Illinois

Class of 2018

Major(s): Business (Pre-Med Track)

Why Holy Cross? — With the student to teacher ratio being 13:1, this is the best learning environment for me, because I am able to get help from my professors and fellow students in my classes while also building relationships with them that could last a lifetime.


IMG_4467Gilberto Barba

Manzanillo, Colima, Mexico

Class of 2018

Major(s): Business

Minor(s): Gerontology; Spanish

Why Holy Cross? — I love the small community environment where I can be a part of something more than just another statistic in terms of student population.


image (30)Laura Boykins

Fort Wayne, Indiana

Class of 2017

Major(s): Liberal Studies/Pre-Law Track

Minor(s): Global Perspectives; Philosophy

Why Holy Cross? — Holy Cross has its own way of pushing me to become the best student I can be while always remaining myself.


image (31)Beau Casazza

Groveland, California

Class of 2016

Major(s): History

Minor(s): Political Studies

Why Holy Cross? — I chose Holy Cross because of its small class sizes and close knit sense of community.



image (13)Jon Clark

Kenosha, Wisconsin

Class of 2017

Major(s): Business

Minor(s): Communications; Leadership and Management

Why Holy Cross? — Holy Cross’s small environment lends itself well to someone like me and it allows me to thrive both in and out of the classroom.


image (18)Sierra Covington

Ogden, Utah

Class of 2017

Major(s): Elementary Education

Minor(s): Psychology

Why Holy Cross? — Holy Cross College is the where I was able to find myself and open my mind to a lot of new things. It is my home 1,471 miles away from home.


image (16)Stephanie DiNella

Lake Bluff, Illinois

Class of 2018

Major(s): Communications

Minor(s): Marketing; Sports Management

Why Holy Cross? — I chose Holy Cross because it is not too far from home and the small classroom size really appealed to me.



image (36)Greg Fean

Fort Wayne, Indiana

Class of 2018

Major(s): Business (Pre-Med Track)

Why Holy Cross? — I chose Holy Cross because the school’s liberal arts tradition will teach me the skills outside the classroom necessary to make a difference in the world.



image (11)Mike Franz

Baltimore, Maryland

Class of 2016

Major(s): Communications

Minor(s): Sports Management; Marketing

Why Holy Cross? — Great 1-on-1 attention from your professors in the classroom, excellent and thriving student life…. not to mention we have the best mascot in the world!


image (17)Joana Frayre-Irungaray

Chicago, Illinois

Class of 2019

Major(s): Psychology

Minor(s): Education

Why Holy Cross? — I decided to attend Holy Cross College because it was the only college that made me feel at home and part of the Hocro family!


image (22)Nick Jewell

Granger, Indiana

Class of 2016

Major(s): Business

Minor(s): Communications; Marketing

Why Holy Cross? — I chose Holy Cross because I wanted a smaller learning environment that I could grow intellectually and spiritually in.


image (12)Brendan Kearney

Glen Ellyn, Illinois

Class of 2017

Major(s): Communications

Minor(s): Sports Management

Why Holy Cross? — The tri-campus community is a great way to experience college.



image (23)Katilyn Luczak

Zionsville, Indiana

Class of 2019

Major(s): Elementary Education

Why Holy Cross? — I chose Holy Cross because of the small class sizes and the overall campus atmosphere.




image (24)Margaret Mascharka

Erie, Pennsylvania 

Class of 2018

Major(s): Early Education

Why Holy Cross? — I chose Holy Cross because I loved the close-knit family feel the minute I walked on campus. Having the tri-campus environment is also very intriguing because of all the possibilities you have available to you.



image (14)Ryan McKalip

Frankfort, Illinois

Class of 2017

Major(s): Communications; Business

Minor(s): Marketing; Leadership and Management

Why Holy Cross? — Holy Cross College offers you an opportunity for growth both in and out of the classroom.



image (32)Shelby Nelson

Mishawaka, Indiana

Class of 2016

Major(s): Business

Minor(s): Leadership & Management; Sports Management

Why Holy Cross? — Originally I chose Holy Cross to play basketball, but now that I have an understanding of a liberal arts education, I really like that aspect of it.


image (26)Patrick O’Connor

Gaylord, Michigan

Class of 2017

Major(s): Communications

Minor(s): Theology

Why Holy Cross? — Why NOT Holy Cross?!



image (7)Patrick Phelan

San Diego, California

Class of 2016

Major(s): Theology; Communications

Minor(s): Philosophy

Why Holy Cross? — There is a family-like atmosphere when you step on campus and the engaging classroom experience is unique to Holy Cross.


image (33)Sam Scheer

Fort Wayne, Indiana

Class of 2017

Major(s): Business

Minor(s): Communications; Marketing

Why Holy Cross? — Holy Cross is a well developed tight knit community where each student has an opportunity to grow and develop.


image (10)

Adam Vizard

Kalamazoo, Michigan

Class of 2016

Major(s): Business

Minor(s): Sports Management; Marketing

Why Holy Cross? — You have the ability to develop close-knit relationships with friends and professors, as well as learn diverse subject matters and practical skills to succeed in future endeavors.


image (9)Emily Wack

Noblesville, Indiana

Class of 2017

Major(s): English

Minor(s): Communications

Why Holy Cross? — Holy Cross has helped me discover my passion, given me hope, and provided me with a home away from home.


Avonni Ward (No Picture Available)

South Bend, Indiana

Class of 2018

Major(s): Psychology

Minor(s): Pre-Med/Pre-Professional Science

Why Holy Cross? — I chose Holy Cross because, here, no one goes unnoticed.


Paying For College

Payment Plans

For the upcoming 2015-2016 academic year, Holy Cross College is pleased to collaborate with Notre Dame Federal Credit Union in building a tuition payment plan. The plan will include an August 1st payment of one half the amount due for the Fall Semester (and a January 1st payment of one half the amount due for the Spring Semester) The remainder of the balance will be made in four or five payments via Notre Dame FCU. Go to for an application and more details. Please also check your Holy Cross College student e-mail for any updates.

  • Students who have a balance due after all financial aid is applied can make monthly payment arrangements through Notre Dame Federal Credit Union or another financial institution.
  • Parents may consider applying for a Federal Parent PLUS loan to assist their son or daughter with tuition, room and board or other college expenses.
  • Students may consider applying for a private/alternate student loan through a bank or other lending institution.
  • Don’t forget to search for external scholarships, especially in your local community.

Terms of Payment

All students are required to pay in full by the first day of the month that classes begin, ‘The Original Due Date’ of the fall semester is August 1; spring semester January 1. At least ½ the balance owed must be paid by the original due date. Monthly Payment plans may no longer be arranged through the Bursar’s Office. However students may still make monthly payments by contacting Notre Dame Federal Credit Union to set up a plan. A $250 Bursar’s Late Payment Fee will be charged to all student accounts that have not paid in full by the original due dates or have NOT made arrangements to pay monthly through Notre Dame Federal Credit Union. There are a range of other possible consequences that could result from failure to comply, including but not limited to: student id deactivated, student account suspension, scheduled classes can be dropped, and/or students can be referred for student judiciary action.

For the Summer Session the entire balance must be paid by the first day of class.

The Holy Cross College student account is available to access on the website portal at:

Forms of payment accepted are Visa, MasterCard, Discover, American Express, cash, an official bank check or money order and by personal check.

A student who is in debt to the college at the completion of any semester is not permitted to register for the subsequent semester, nor entitled to receive an official transcript of credits or grade report.

Make an Online Payment through the Portal

To make payment on your Account Statement follow these steps:

  1. Log on to the Holy Cross College Portal using your first initial/last name and your 9 digit student ID number.
  2. Under the “Business Office” tab, Click on “Select a Term“. Choose “Fall 2015“.
  3. Under the “Business Office” tab, Click on “Preliminary Semester Bill” tab.

Scroll down and enter the amount you want to pay in the payment box. Click the ‘Submit Pay’ button and follow the directions from PayPal.

For additional information, be sure to visit the Bursar’s Frequently Asked Questions page.

Saving For College

Planning and saving for college is the best choice that a parent can make for the future education expenses of their children. Holy Cross encourages all families to investigate carefully the many college savings opportunities available nationally, such as those listed below.

529 Plan

A 529 plan is a tax-advantaged investment plan designed to encourage saving for the future higher education expenses of a designated beneficiary (typically one’s child or grandchild). The plans are named after Section 529 of the Internal Revenue Code and are administered by private organizations and state agencies.

All withdrawals from 529 plans for qualified education expenses will remain free from federal income tax. Many states mirror the federal tax advantages for 529 plans by offering state tax-deferred growth and tax-free withdrawals for qualified higher education expenses.




The Private College 529 Plan, sponsored by nearly 300 private colleges across the country (including the Holy Cross College), is a pre-paid tuition plan. The plan allows families to purchase tuition at today’s prices that can be used at any member school with any increase in value being tax free. The plan protects families from tuition increases and 100% of contributions go toward the purchase of tuition with no fees for account owners.

Click here to learn more about the Private College 529 Plan.

State Pre-Paid Tuition Plans and State College Savings Plans

Prepaid tuition plans (sometimes called guaranteed savings plans) are currently available in 13 states and allow for the pre-purchase of tuition based on today’s rates and then paid out at the future cost when the beneficiary is in college.

Savings plans are different in that your account earnings are based upon the market performance of the investment. Savings plans may only be administered by states. To learn more about pre-paid tuition plans and college saving plans provided by your state, visit

U.S. Treasury Securities

U.S. Treasury securities are a great way to invest and save for the future. Visit for more information on different ways to invest in U.S. Treasury securities.

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The Tri-Campus Experience

Enjoy the Benefits of Notre Dame, Indiana!

As a student at Holy Cross College, you can take full advantage of all the academic and social resources at our neighboring institutions – Saint Mary’s College and the University of Notre Dame. Three campuses means triple the opportunities. Your Holy Cross Student ID card gets you into concerts at Legend’s Night Club, Fighting Irish athletic events, the Hesburgh and Cushwa-Leighton Libraries, student recreational facilities and much more. Enroll in courses through cooperative programs or join clubs to make the most out of your college experience.


Academic Opportunities

Notre Dame Co-Exchange Program

This exchange program is intended to enrich your choice of electives; full-time students who are enrolled in a degree program are permitted to take courses at this neighboring institution during the fall and spring semesters.


The Northern Indiana Consortium for Education (N.I.C.E.) consists of area institutions that have joined to share their education strengths and facilities. In addition to Holy Cross College, consortium members include Bethel College, Goshen College, Indiana University at South Bend, Ivy Tech Community College, Purdue Polytech – South Bend, and Saint Mary’s College. With approval and on a space-available basis, Holy Cross students may enroll in courses offered by other N.I.C.E. institutions that are not offered at Holy Cross College. The student wishing to enroll in a N.I.C.E. class submits the request to his/her advisor. After approval, the student obtains the form from the registrar’s office on the first class day of the semester. No additional tuition is charged to students in N.I.C.E. courses (some course fees may be assessed). Students at Holy Cross College must be enrolled full-time to participate and may take one class per semester from a N.I.C.E. institution. This program is not available during Maymester.

Social (Co-curricular) Opportunities

gw1A number of Student Clubs and Organizations at Saint Mary’s College and the University of Notre Dame are open to Holy Cross College students, including Marching Band (, Equestrian Club, Crew, ROTC, Folk Choir, Glee Club and more.

For a complete listing of student clubs and organizations, visit:
Notre Dame Student Activities Office
Notre Dame Campus Ministry
Notre Dame Club Sports
Saint Mary’s Office of Student Involvement
Saint Mary’s Campus Ministry

Living in South Bend

In addition to being part of the tri campus community, Holy Cross College’s location in the heart of the Midwest gives our students tremendous opportunities. Whether you want to chill on the beaches of Lake Michigan, take a train to Chicago to shop Michigan Avenue or take advantage South Bend’s small town charm, there is always something new and interesting to do. South Bend is home to the corporate headquarters of Honeywell, AM General and Crowe Horwath, the South Bend Cubs (Single A affiliate of the Chicago Cubs), the Studebaker National Museum and the Morris Performing Arts Center. With its own international airport, visitors find it easy to get in and out of South Bend. For more information visit

May 22, 2015; South Bend 150 kickoff party. (Photo by Matt Cashore)
May 22, 2015; South Bend 150 kickoff party. (Photo by Matt Cashore)

Leah Trattles


Phone: 574-239-8400
Leah Trattles
Admissions Counselor
Holy Cross College
54515 Indiana State Road 933 N.
P.O. Box 308
Notre Dame, IN 46556

Contact me









  • Bachelor of Arts in Psychology; Holy Cross College Class of 2014
  • Bachelor of Arts in Business; Holy Cross College Class of 2014

Holland, MI


The best thing about Holy Cross
The tri-campus community. Holy Cross students really are able to experience the best of both worlds. As a student, I enjoying being able to have lose relationships with my friends at Holy Cross as well as experience small class sizes where professors not only knew my name, but also what I am passionate about. Then, I was also able to go be a part of the larger Notre Dame and St. Mary’s communities and attend sporting events and other events.

Favorite local activities
Trivia nights, attending South Bend Cubs games, The East Race

Favorite campus activities
In any given Holy Cross class, chances are a number of athletes are present. I enjoy seeing these students in action and supporting Saint’s Sports.

Gateway News

gw6Welcome to the Gateway family!

We are all very excited to have you joining the Holy Cross and Notre Dame campuses this fall. We also know you will have a lot of questions. This page is intended to serve as a clearinghouse for the most commonly asked initial questions that we get from Gateway students. At the same time, Erin Camilleri and I know that questions will continue to come up over the summer. Please, when you do have a question, be sure to ask US the question first before asking someone else in the group or a former Gateway. Policies and procedures change from year to year. What might have worked for a previous Gateway group might be different for you. Consider us your first and primary source of information!

You can reach me via email, Twitter (@BrianStudebaker), office phone (574 239-8407), or cell (920 366-2092) (yes, texting is fine!). In the meantime, enjoy the last few days of your senior year, and have an outstanding summer!

Also visit the FAQ page on the Notre Dame Gateway website! 

Q: Who else is in Gateway 4.0?
A: You will receive an update in June.

Q: Where should I send my final high school transcripts? A: Those need to be sent to Holy Cross! Make sure to have your guidance counselor mail those to the Admissions Office, or submit them via Parchment or Naviance. We will forward these transcripts to Notre Dame prior to entering there for your sophomore year.

Q: Where can I find a timeline for the school year?
A: When you attend SOAR, you will be given a link to a booklet with a variety of information, from advising to how to pay the bill. While the information is not Gateway-specific, it is relevant to all Holy Cross students. And remember, you ARE Holy Cross students! You won’t find this link anywhere else on the website, so consider this a perk of checking this page for information!

Q: What is SOAR?

Q: What is the schedule for Orientation Weekend?
A: Here you go!

Q: Will there be any special sessions for Gateway?
A: Yes, we will have a parent meeting on Saturday and a student meeting on Monday. Times and locations TBA.

Q: How do I set up my Holy Cross email account?
A: For all the technology information you’ll ever need, go to Here are email instructions:

  1. Start at
  2. Your username is: [the first letter of your first name] + [your last name] + ‘’. For example, my email address is
  3. Your password is your entire nine-digit Student ID number.

Q: How do I set up my Notre Dame email account?
A: This page will guide you through the process: (NOTE: This might not work until your ND class gets officially registered. Give it another week or two.)

Q: Where do I go to fill out the Health form?
A: (your PIN = your student ID number) PLEASE NOTE: You cannot submit the Health form until AFTER you have registered for classes.

Q: How do I add my Social Security Number to my portal account?
A: Here is the secure link:

Q: Where can I find a listing of Notre Dame courses?

Q: How can I join the Facebook group?
A: One of last year’s Gateways, Rachel O’Grady, is quick to add new Gateways! Email her at She’s the one who also wrote the great Viewpoint in the Observer earlier this year!

I would also encourage you to “Like” the Holy Cross Class of 2020 page: While you’re not necessarily a member of that graduating class, it’s still a great way to connect with other incoming freshmen. Plus, we post quite a few updates there regarding Orientation, move-in, etc.

Q: When will I find out about my housing assignment?
A: The Housing Office will begin releasing that information in mid-July.

Q: Do I need to get a physical before school starts?
A: No, but your shot records do need to be up-to-date. It is recommended, however, if you are going to be playing a club sport.

Q: When will I find out about ND football tickets?
A: We typically anticipate ND season football tickets for students being offered online during the third week of August (15-19 August). You will receive an email on your HC account from Dr. Jordan, our Dean of Students, with detailed instructions. This page also has quite a bit of information: