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At HLS we understand the value of being able to plan and budget. This page includes several aid examples that vary based on whether or not you are married, your spouse is working, your spouse is a full-time student, and the number of children you have. These examples presume a Massachusetts tax rate and that the student will be utilizing the Harvard University Student Health Insurance Plan (HUSHP).

If your specific circumstances are not captured by one of these examples, please reach out to your Financial Aid Officer to discuss your situation.

Married without children

  • Example 1

    Student has $0 in summer earnings, spouse is working, standard Spouse Income Protection:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $0
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $8,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $30,000
    = Available Income = $3,200
    Student Contribution from Income = $2,880
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $107,000
    – Student Contribution from Income – $2,880
    – Student Contribution from Assets – $3,750
    – Parent Resources – $0
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $50,370
  • Example 2

    Student has $38,000 in summer earnings, spouse is working, standard Spouse Income Protection:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $17,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $30,000
    = Available Income = $32,200
    Student Contribution from Income = $28,980
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $107,000
    – Student Contribution from Income – $28,980
    – Student Contribution from Assets – $1,000
    – Parent Resources – $10,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $17,020
  • Example 3

    Student has $38,000 in summer earnings, spouse is not a full-time student and is not working so there is no Spouse Income Protection:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $5,700
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $23,900
    Student Contribution from Income = $21,510
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $107,000
    – Student Contribution from Income – $21,510
    – Student Contribution from Assets – $2,000
    – Parent Resources – $8,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $25,490

Married with one child

  • Example 1

    Student has $0 in summer earnings, spouse is working, standard Spouse Income Protection, but the student could submit the Adjustment form and documentation for additional approved expenses in order to protect more of the spouse’s income from the calculation:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $0
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $8,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $15,000
    = Available Income = $18,200
    Student Contribution from Income = $16,380
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $129,000
    – Student Contribution from Income – $16,380
    – Student Contribution from Assets – $5,000
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $56,620
  • Example 2

    Student has $38,000 in summer earnings, spouse is working, standard Spouse Income Protection, but the student could submit the Adjustment form and documentation for additional approved expenses in order to protect more of the spouse’s income from the calculation:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $17,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $15,000
    = Available Income = $47,200
    Student Contribution from Income = $42,480
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $129,000
    – Student Contribution from Income – $42,480
    – Student Contribution from Assets – $2,500
    – Parent Resources – $6,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $28,020
  • Example 3

    Student has $38,000 in summer earnings, spouse is not a full-time student and is not working so there is no Spouse Income Protection:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $5,700
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $23,900
    Student Contribution from Income = $21,510
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $129,000
    – Student Contribution from Income – $21,510
    – Student Contribution from Assets – $500
    – Parent Resources – $2,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $54,990
  • Example 4

    Student has $9,000 in summer earnings, spouse is not a full-time student and is not working so there is no Spouse Income Protection:

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $9,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $1,000
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $0
    Student Contribution from Income = $0 for Returning/Transfers, $2,500 for Entering
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $129,000
    – Student Contribution from Income – $0 for Returning/Transfers; $2,500 for Entering
    – Student Contribution from Assets – $60
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = Final HLS Grant Eligibility = $70,430 for All because HLS Grant is capped at the cost of Tuition

Married with two children

  • Example 1

    The following example assumes that the spouse is not a full-time student and is working in MA. The Spouse Income Protection is the standard amount, but the student could submit the Adjustment form and documentation for additional approved expenses in order to protect more of the spouse’s income from the calculation.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $0
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $8,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $15,000
    = Available Income = $18,200
    Student Contribution from Income = $16,380
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $135,000
    – Student Contribution from Income – $16,380
    – Student Contribution from Assets – $5,000
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $62,620
  • Example 2

    The following example assumes that the spouse is not a full-time student and is working in MA. The Spouse Income Protection is the standard amount, but the student could submit the Adjustment form for additional approved expenses in order to protect more of the spouse’s income from the calculation.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $50,000
    – Total Tax Allowances (Federal, State, FICA) – $17,400
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $15,000
    = Available Income = $47,200
    Student Contribution from Income = $42,480
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $135,000
    – Student Contribution from Income – $42,480
    – Student Contribution from Assets – $2,500
    – Parent Resources – $6,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $34,020
  • Example 3

    The following example assumes that the spouse is not a full-time student and the student is working in MA. There is no Spouse Income Protection since the spouse is not earning any income.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $5,700
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $23,900
    Student Contribution from Income = $21,510
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $135,000
    – Student Contribution from Income – $21,510
    – Student Contribution from Assets – $500
    – Parent Resources – $2,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $60,990
  • Example 4

    The following example assumes that the spouse is not a full-time student and the student is working in MA. There is no Spouse Income Protection since the spouse is not earning any income. The HLS Grant eligibility is capped at the cost of tuition.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $9,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $1,000
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $0
    Student Contribution from Income = $0 for Returning/Transfers, $2,500 for Entering
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $135,000
    – Student Contribution from Income – $0 for Returning/Transfers; $2,500 for Entering
    – Student Contribution from Assets – $60
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $70,430 for All because HLS Grant is capped at the cost of Tuition

Married to a full-time student with one child

  • Example 1

    The following example assumes that the spouse is a full-time student (that is NOT working full-time as well) and the student is working in MA. There is no Spouse Income Protection since HLS is not factoring in the spouse.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $5,700
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $23,900
    Student Contribution from Income = $21,510
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $110,000
    – Student Contribution from Income – $21,510
    – Student Contribution from Assets – $500
    – Parent Resources – $2,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $35,990
  • Example 2

    The following example assumes that the spouse is a full-time student (that is NOT working full-time as well) and the student is working in MA. There is no Spouse Income Protection since HLS is not factoring in the spouse.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $9,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $1,000
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $0
    Student Contribution from Income = $0 for Returning/Transfers, $2,500 for Entering
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $110,000
    – Student Contribution from Income – $0 for Returning/Transfers; $2,500 for Entering
    – Student Contribution from Assets – $60
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $58,940 for Returning/Transfers; $56,440 for Entering

Single with one child

  • Example1

    The following example assumes that the student is working in MA and that the child is living with the student full-time. There is no Spouse Income Protection since HLS is not factoring in a spouse.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $38,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $5,700
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $23,900
    Student Contribution from Income = $21,510
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $123,000
    – Student Contribution from Income – $21,510
    – Student Contribution from Assets – $500
    – Parent Resources – $2,000
    – HLS Grant Eligibility Threshold – $50,000
    = HLS Grant Eligibility = $48,990
  • Example 2

    The following example assumes that the student is working in MA and that the child is living with the student full-time. There is no Spouse Income Protection since HLS is not factoring in a spouse. The HLS Grant eligibility is capped at the cost of tuition for Returning/Transfer students.

    Formula used to Determine SC from Income 2022-2023
    Student Total Summer Gross Income $9,000
    + Spouse Total Gross Income (12 month period) + $0
    – Total Tax Allowances (Federal, State, FICA) – $1,000
    – Summer Living Allowance – $8,400
    – Total Spouse Income Protection – $0
    = Available Income = $0
    Final Student Contribution from Income = $0 for Returning/Transfers, $2,500 for Entering
    HLS Grant Eligibility Formula 2022-2023
    Student Budget $123,000
    – Student Contribution from Income – $0 for Returning/Transfers; $2,500 for Entering
    – Student Contribution from Assets – $60
    – Parent Resources – $1,000
    – HLS Grant Eligibility Threshold – $50,000
    = Final HLS Grant Eligibility = $70,430 for Returning/Transfers; $69,440 for Entering