
| ____________________ Our COURSES & MAJORS at a Glance |
| ____________________ IMPORTANT FEATURES |

| Attend an Ivy League or other great school if you can afford it! However, SAINT JAMES may be a good Number 2 choice to meet your needs. To deliver a world-class online education, WE TRY HARDER! |

HOWEVER, SAINT JAMES OFFERS AN UNCOMMON SPECIAL ADVANTAGE FOR CASH-STRAPPED ADULT LEARNERS!
leaving school. The National Center for Education Statistics at the US Department of Education conducts a National Postsecondary Student Aid Study (NPSAS). Their most recently-available study (2007-2008) surveyed a total of 114,000 undergraduate students, along with 14,000 graduate students and finds that 25% of these graduates borrowed $30,526 or a higher amount. Fully 10% indebted themselves to $44,668 or more.
DIRE FOR GRADUATE-LEVEL STUDENTS:
3. It is $52,000 for those graduating with a doctoral degree such as a PhD. 4. And, for those with a professional degree, the total owed when entering post-graduate live averages $79,836. 5. 25% of masters graduates borrow in excess of $43,000 6. 25% of doctoral (PhD or similar) degree graduates borrow over $75,000 7. 25% borrow more than $75,712 for a doctoral degree 8. And, 25% of professional degree graduates leave school owing some $118,500.
9. 10% of those earning a masters degree leave owing roughly $60,000 10. 10% leave having borrowed over $123,000 for a masters degree 11. 10% of doctoral degree grads borrow $123,650 12. 10% of for a professional degree walk out of college having borrowed over $159,000.
GRADUATE WITH NO STUDENT LOANS! With our 0% interest tuition loan program, students requiring this assistance make a small initial payment upon enrolling and make manageable interest-free tuition payments while studying here. These are paid in full by graduation and our students leave with their diplomas owing nothing. They are free to resume their professional lives with a totally clean slate, in terms of student loan debt: they have none! |



