St. John Fisher College Tuition, Billing, and Financial Aid FAQs

Tuition and Billing

How much does the Fisher Pharm.D. Online pathway cost?

You will be billed per term based on the number of credits for which you are registered. The 2020-2021 tuition rate for the Pharm.D. program is $1,098 per credit hour.

Tuition does not include costs related to travel and housing for immersions, books and supplies, and additional fees. Students can expect a moderate increase in tuition every year they are in the program. Annual tuition increases typically go into effect in May, at the beginning of the Summer term.

Are there semester fees assessed in addition to tuition?

Yes, there is a fee of $15 per credit hour that covers both the pharmacy comprehensive fee and the pharmacy program fee.

How much is the enrollment deposit, and when is it due?

There is a $500 nonrefundable enrollment deposit due once admitted.

Can I use financial aid to cover the deposit?

No, student aid cannot be used to pay the deposit.

Will I be able to view my award package before submitting the deposit?

Yes, if you have completed a Free Application for Federal Student Aid (FAFSA) for the aid year, you will be able to review your award prior to submitting your deposit on Fish ‘R’ Net > Financial Aid Menu > My Award Information.

How do I view my bill? When will I receive a bill, and when is payment due?

When you register for courses at Fisher, charges are assessed to your student account. Student bills are available online only; you will not be mailed a bill. You (and any established authorized payers) will receive an email when the semester bill has been generated. Your payment due date will be listed on the top right side of your bill, which can be viewed on Fish ‘R’ Net > Payment & Billing Information > FisherPay.

Fish ‘R’ Net

How do I establish an authorized payer?

Creating an authorized payer allows another party to have full access to your student account information. The authorized payer will receive an email notice when your student bill is generated. To set up an authorized payer, go to Fish ‘R’ Net > Payment & Billing Information > FisherPay > Authorize Payers. Once you add an authorized payer, an email will be sent with instructions on how to access the system.

What are the accepted forms of payment?

Pharm.D. students may pay online via an electronic check on Fish ‘R’ Net > FisherPay. Students may also pay via paper check, cash, money order, or wire transfer. Visit the Student Accounts website for additional information on payment options.

What if my employer is paying my tuition?

If your employer will pay your tuition charges upon completion of the semester, you may use the Payment/Reimbursement From Employer Plan (PREP) form to defer your balance. A completed PREP form must be submitted to Student Financial Services by the due date on your bill to avoid a late fee. The PREP form is available on the Student Accounts Documents and Forms website. Note: Only the portion of your bill that your employer agrees to pay will be deferred. All other amounts should be paid by the due date on your bill.

For more information, visit Employer Payments on the Student Accounts website.

Are payment plan options available for online students?

St. John Fisher College has an affiliation with Nelnet Business Solutions. Nelnet offers easy online enrollment for interest-free payment plans, which allow families to finance their balance over the course of the semester. For more information on the payment plan, visit Payment Options on the Student Accounts website.

What are the consequences if my tuition bill is not paid when classes begin?

Any student whose bill is past due may receive a late fee of $200. A hold may also be placed on your account, which will prevent you from viewing grades, obtaining transcripts, and registering for future classes.

How are credit balances handled?

  • The date the credit balance occurred on the student account, if the credit occurred after the first day of class, or
  • The first day of classes, if the credit balance occurred on or before the first day of class.

You will receive an email from Student Financial Services when a refund has been processed for you. We strongly encourage the use of direct deposit for student refunds, as it is the quickest, simplest, safest way for us to get your funds into your hands. The Student Refund Direct Deposit form can be completed electronically through Fish ‘R’ Net.

Who can I contact at St. John Fisher College for billing and payment questions?

Contact Student Financial Services at (585) 385-8042 or via email at sfs@sjfc.edu.

St. John Fisher College Student Portal/Account Setup

What is the St. John Fisher College student portal?

mySJFC is your one-stop shop for academic information, campus services, and student life. Log in once and gain access to BlackBoard, Gmail, HOOUNIT, Fish ‘R’ Net, and student life resources. View the New User information on the OIT website to access mySJFC.

When can I get access to mySJFC?

You will be able to access mySJFC once you have made your admissions deposit to the College.

What is Fish ‘R’ Net?

Fish ‘R’ Net lets you manage various academic and administrative aspects of your college account, including access to academic records, your course schedule, billing, financial aid, direct deposit setup, making payments, and more. Your user ID will be your student ID number located on the top of your acceptance letter. The password for first-time users will be your date of birth (MMDDYY).

When can I get access to Fish ‘R’ Net?

You will be able to access Fish ‘R’ Net once you have received your acceptance letter from the College.

Financial Aid at St. John Fisher College

How will my aid eligibility be determined?

Financial aid eligibility for pharmacy students is based upon the total number of transfer credits. In order to be considered a graduate student for financial aid purposes, a student must be enrolled in a post-baccalaureate or professional degree program and must have earned at least 90 credit hours. Students that transfer in 90 credits or more are considered for graduate-level aid, and those with less than 90 credits are considered for undergraduate-level aid.

Do I need to include parent information on my FAFSA?

Students that transfer in less than 90 credit hours will be considered at the undergraduate level for financial aid, and must complete the FAFSA as an undergraduate student. For all questions regarding grade level and degree program, indicate undergraduate status. Answer “NO” to the question: “At the beginning of the school year, will you be working on a master’s or doctorate program.” The FAFSA will prompt dependent students to then enter parent information, including parent signature. Contact Student Financial Services with any questions.

What federal student aid is available to pharmacy students (under 90 transfer earned credit hours)?

Students that have transferred in less than 90 credit hours will be considered for federal aid at the undergraduate level until the point that they have reached or exceeded 90 credit hours earned. Based on FAFSA information, students may be eligible to receive the Federal Pell Grant and up to $7,500 (dependent students)/$12,500 (independent students) in the Federal Direct Subsidized/Unsubsidized Student Loan program. Parents of dependent students can also apply for the Federal Direct Parent PLUS Loan.

What federal student aid is available to pharmacy students (90 or above transfer earned credit hours)?

Students may be eligible to receive up to $33,000 with the Federal Direct Unsubsidized Student Loan and apply for additional loan funds up to the cost of attendance with the Federal Direct Graduate PLUS Loan.

Are there academic requirements I must meet to receive federal student aid?

Yes, all students are required to meet Satisfactory Academic Progress (SAP) requirements to receive federal student aid. For more information, please review the Pharmacy Student Handbook.

What are the minimum number of credits required to receive federal student aid?

Federal financial aid is available to matriculated students who are taking at least six credit hours per semester. In order to be given full consideration for all types of financial aid programs available, students must file the Free Application for Federal Student Aid (FAFSA). Students should file the FAFSA at least one month prior to the beginning of the academic term for which they wish to receive financial assistance.

How do I determine full-time, part-time, or half-time enrollment in this program? Students in the pharmacy program are expected to enroll full time (a minimum of 12 credits in a semester). Students must have prior approval for less than full-time enrollment.

When will I receive my financial aid award?

Financial aid award letters will begin to be mailed in March for students that have been accepted for admission for a summer or fall semester start and have submitted a FAFSA. Financial aid award letters will begin to be mailed in September for students that have been accepted for admission for a spring semester start and have submitted a FAFSA. Award letters are mailed weekly as student admissions information is updated and FAFSAs are received. Once you’ve received and reviewed your financial aid package, contact Student Financial Services with any questions or concerns.

How do I accept my financial aid award?

To accept your award, go to Fish ‘R’ Net > Financial Aid > My Award Information > Award for Aid Year. Fish ‘R’ Net first-time users, your PIN will be your birth date: MMDDYY. You will then be prompted to complete security questions and change your PIN.

Select the Terms and Conditions tab to review and accept the financial aid terms. Once accepted, the Accept Award Offer tab will be available to decline or accept for each fund. To accept partial amounts, click Accept and type in the amount you wish to receive. Submit your decision.

Are there any additional requirements to process my financial aid?

You can view any outstanding requirements by going to Fish ‘R’ Net > Financial Aid > Eligibility > Student Requirements. Federal Direct Student loans will require new borrowers to complete Loan Entrance Counseling and a Loan Agreement (MPN) at Studentloans.gov. Sign in using your Federal Student Aid (FSA) ID.

Am I required to accept the full amount that I am offered on my award letter?

No, you do not have to accept the full amount offered. Students are encouraged to borrow only what is needed. You can choose to accept all, part, or none of your financial aid award. Contact Student Financial Services if you wish to change your award amounts.

Does my Direct Loan eligibility cover the entire cost of the program?

Students with 90 or more transfer earned credit hours will be offered the Direct Unsubsidized Loan for up to $33,000, as well as the Federal Direct Graduate PLUS Loan to cover the full cost of attendance. Eligibility will be reviewed annually when the FAFSA is completed and the Direct Graduate PLUS Loan requires credit approval.

Students with less than 90 transferred credits will be subject to undergraduate loan limits until the time that 90 credits are earned (Dependent students: up to $7,500 total in Federal Direct Subsidized/Unsubsidized Loans; independent students: up to $12,500 in Direct Unsubsidized Loans). Parents of dependent students may apply for the Federal Direct Parent PLUS Loan for remaining costs.

Independent undergraduates are not eligible for PLUS loan funding.

How soon will loans disburse to my student account?

Federal student loans will disburse no earlier than 10 days prior to the start of classes. Refunds are generated for students with credit balances on their account 14 days after classes begin. Students will be emailed when their refund is available.

Can I use loans to cover additional expenses such as living expenses, books, and supplies? What about travel and housing for immersions?

The total cost of attendance (COA) for the academic year includes tuition and mandatory fees, a living allowance, personal expenses, transportation, and books. If there is eligibility for additional loan funds based on the COA, you are able to use those resources to cover other expenses. There is no additional charge for immersions, but travel, housing, and meal expenses are covered by the student. Student Financial Services can assist with estimating these costs.

There are experiential rotations required for this program. Can I use the loan funds to cover these expenses?

The pharmacy program includes a series of clinical rotations. If you have a credit balance on your account from your student loans, those funds will be refunded to you to use for any expenses associated with your program.

Who can I contact at St. John Fisher College for financial aid questions?

If you have any questions about tuition and financial aid, please contact Student Financial Services via email at sfs@sjfc.edu or at (585) 385-8042.

Free Application for Federal Student Aid (FAFSA)

What is the FAFSA?

The Free Application for Federal Student Aid (FAFSA) is the U.S. Department of Education’s application that must be completed every school year you want to be considered for federal student aid.

Where can I find the FAFSA?

The FAFSA is available online at FAFSA.gov. The FAFSA is a free application; you will not be asked to pay at this site.

What is the St. John Fisher College FAFSA school code?

The St. John Fisher College FAFSA school code is 002821.

Do I need my parents’ tax information to complete the FAFSA?

Only applicants with less than 90 transfer earned credits and who are considered dependent by the U.S. Department of Education will be required to enter parental income information on the FAFSA. In order to be able to enter parent information, indicate undergraduate status for all questions regarding grade level and degree program. Answer “NO” to the question: “At the beginning of the school year, will you be working on a master’s or doctorate program.” The FAFSA will prompt dependent students to enter parent information, including parent signature. Contact Student Financial Services with any questions.

What is the Expected Family Contribution (EFC)?

The Expected Family Contribution (EFC) is a measurement of your family’s financial strength and is calculated according to a formula established by law. The information you report on your FAFSA is used to calculate your EFC. Your EFC is not the amount of money your family will have to pay for college nor is it the amount of federal student aid you will receive. It is a number used by your school to calculate the amount of federal student aid you are eligible to receive.

When should I complete the FAFSA?

The FAFSA is available every October 1 for the upcoming academic year. New students planning to use federal student aid should complete a FAFSA while applying for admission. Continuing students will need to submit a FAFSA each year they plan to apply for federal student aid.

StartTermFAFSA Year
Sept 2020Fall2020-2021
May 2021Summer2021-2022
Sept 2021Fall2021-2022

The Department of Education’s website, National Student Loan Data System (NSLDS) no longer exists and redirects students to studentaid.gov. NSLDS is referenced on the Financial Aid FAQs page.

Do I need to complete the FAFSA each year?

Yes. Eligibility for federal student aid does not carry over from one award year to the next. To be offered federal aid, you will need to complete the FAFSA for each award year you will attend.

What constitutes an academic year for federal student aid?

An academic year is the year for which financial aid is used to fund your education. The academic/aid year for St. John Fisher College begins with the summer semester.

Federal Direct Subsidized/Unsubsidized Loan

What is the Federal Direct Unsubsidized Loan?

The Federal Direct Unsubsidized Loan is a federal loan offered to students to help with the cost of education. The Federal Unsubsidized Loan is not based on income or financial need and begins to accrue interest once the loan is disbursed to the College.

What criteria is used to determine eligibility for federal student aid?

In order to be eligible for federal student aid, you must:

  • Be a citizen or eligible noncitizen of the United States
  • Have a valid Social Security number (SSN)
  • Have a high school diploma or a General Education Development (GED) certificate, or have completed homeschooling
  • Be registered with Selective Service if you are male (you must register between the ages of 18 and 25)
  • Be enrolled or accepted for enrollment in an eligible degree program
  • Maintain satisfactory academic progress (SAP)
  • Not owe a refund on a federal student grant or currently be in default on a federal student loan
  • Not have a conviction for the possession or sale of illegal drugs for an offense that occurred while you were receiving federal student aid

Learn more about federal student aid eligibility criteria on the Federal Student Aid website.

How do I find out if I am near my aggregate loan limit or have defaulted on a federal student loan?

Log in on the StudentAid.gov homepage to view your federal student loan borrowing history and loan servicer details. Please note that private education loans are not listed on this site. Students in default are not eligible for additional federal loans. Contact your lender for default resolution options.

How much am I eligible to borrow for each academic year with a Federal Direct Unsubsidized Loan?

Students with 90 or more earned credit hours may borrow up to $33,000 in a Federal Direct Unsubsidized Loan each aid year.

Students with less than 90 credits earned can borrow at undergraduate loan limits (up to $7,500 for dependent students, up to $12,500 for independent students) each aid year. Parents of dependent students may apply for a Federal Direct Parent PLUS Loan.

An aid year for full-time students will be two semesters (for example: fall and spring).

What is the aggregate loan limit?

The aggregate loan limit is the total lifetime amount that you may borrow in federal student loans for undergraduate and graduate study. The maximum aggregate loan limit for federal loans for students in a Doctor of Pharmacy program is $224,000. This amount includes subsidized and unsubsidized loans only. It does not include PLUS Loans, Federal Perkins Loans, or private student loans. The Federal Direct Graduate PLUS Loan program does not have an aggregate limit, nor does the Federal Direct Parent PLUS Loan.

If the total loan amount you receive over the course of your education reaches the aggregate loan limit, you are not eligible to receive additional Federal Direct Subsidized or Unsubsidized Student Loans. However, if you repay some of your loans to bring your outstanding loan debt below the aggregate loan limit, you could then borrow again, up to the amount of your remaining eligibility under the aggregate loan limit.

What is the difference between a Direct Unsubsidized Student Loan and a Direct Subsidized Student Loan?

Direct Subsidized Student Loans are available only to students considered as undergraduate (less than 90 earned transfer credit hours) by the U.S. Department of Education for federal student aid. Subsidized loans go to students with demonstrated financial need. The U.S. Department of Education pays the interest on subsidized loans while students are enrolled in their program. The Direct Unsubsidized Loan is available to undergraduate and graduate students and does not require demonstration of financial need. The Unsubsidized Loan begins accruing interest as soon as funds are disbursed. Learn more about the difference between unsubsidized and subsidized loans.

How do I apply for Federal Direct Subsidized/Unsubsidized Loan(s)?

To apply for the Federal Direct student loans, you must complete and submit the Free Application for Federal Student Aid (FAFSA). You will need to review and accept your loan amount on Fish ‘R’ Net. First-time borrowers at St. John Fisher College will also need to complete Loan Entrance Counseling and a Loan Agreement (MPN) at Studentloans.gov.

What is the current undergraduate Federal Direct Subsidized/Unsubsidized Loan interest rate?

The Federal Direct Subsidized/Unsubsidized Loan interest rate for undergraduate students is determined on an annual basis. Learn more about interest rates on the Federal Student Aid website.

What is the current Federal Direct Unsubsidized Loan interest rate for graduate/professional students?

The Federal Direct Unsubsidized Loan interest rate for graduate/professional students is determined on an annual basis. Learn more about interest rates on the Federal Student Aid website.

Are there any additional loan fees for the Federal Direct Subsidized/Unsubsidized Loan(s)?

There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted from each loan disbursement prior to the funds being applied to your account. Information on subsidized/unsubsidized loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Federal Direct Graduate PLUS Loan

What is the Federal Direct Graduate PLUS Loan?

The Federal Direct Graduate PLUS Loan is a federal loan that graduate or professional degree students can use to help pay education expenses in addition to the Direct Unsubsidized Student Loan. Learn about Direct PLUS Loans.

Do Federal Direct Graduate PLUS Loans affect my aggregate loan limit?

Only Direct Subsidized/Unsubsidized Student Loans count toward your aggregate loan limit.

What are the eligibility criteria to apply for the Federal Direct Graduate PLUS Loan?

A credit check will be conducted when applying for the Direct Graduate PLUS Loan. In addition to the federal student aid eligibility criteria, applicants cannot have an adverse credit history.

What are the credit criteria to receive the Federal Direct Graduate PLUS Loan?

One of the eligibility requirements to receive a Federal Direct Graduate PLUS Loan is that you must not have an adverse credit history. A credit check is performed to determine whether a Graduate PLUS Loan applicant meets this requirement. Learn more about Graduate PLUS Loans.

How much can I borrow from the Federal Direct Graduate PLUS Loan?

If approved for the Federal Direct Graduate PLUS Loan, you can borrow up to the cost of attendance minus any other financial aid you receive (including Direct Unsubsidized Student Loans and scholarships). St. John Fisher College will determine your eligibility. There are no set annual or aggregate limits. Learn more about the borrowing amounts of the Federal Direct Graduate PLUS Loan at St. John Fisher College.

How do I apply for the Direct Graduate PLUS Loan?

  1. Complete the FAFSA.
  2. Accept the Federal Direct Student Loan offer on Fish ‘R’ Net.
  3. FIRST TIME BORROWERS ONLY: Select Log In at Studentloans.gov. Sign In using your FSA ID. Select Complete Counseling. Select Entrance Counseling.
  4. Once you have successfully completed the Entrance Counseling, select Complete Loan Agreement (Master Promissory Note). Select PLUS MPN for Graduate/Professional Students.

More information on the Federal Direct Graduate PLUS Loan can be found on St. John Fisher College’s Financial Aid website.

When can I apply for the Federal Direct Graduate PLUS Loan?

Once your award letter is available from St. John Fisher College, you can accept the loan on Fish ‘R’ Net to apply for the Direct Graduate PLUS Loan.

What are my options if I’m denied the Federal Direct Graduate PLUS Loan?

If you are denied the Direct Graduate PLUS Loan, you may reapply with an endorser or follow the instructions on the Department of Education’s website to appeal the denial.

What is the Direct Graduate PLUS Loan current interest rate?

The Direct Graduate PLUS Loan interest rate is determined at the beginning of each academic year, and is available on the Federal Student Aid website’s Interest Rates and Fees page.

Are there any additional loan fees for the Direct Graduate PLUS Loan?

There is a loan origination fee that is a percentage of the total loan amount. The loan origination fee is deducted proportionately from each loan disbursement you receive. Information on Direct Graduate PLUS Loan origination fees can be found on the Interest Rates and Fees page of the Federal Student Aid website.

Private Student Loans

What are private student loans?

Private student loans are loans offered by private lending institutions and are not a part of the federal government’s loan program. Lenders offer private educational loans with different rates, fees, repayment terms, and approval requirements.

Are private student loans offered at St. John Fisher College?
Private loan programs are student loans available through a lending institution, and the student applies directly with the lender. They are not a part of the federal government’s loan program, nor are they offered by the College. It is recommended that a student apply with a credit-worthy co-signer. Please review all the terms and conditions of a loan. Students can use a private lender of their choice. For more information, visit our Financing Options page.

Loan Repayment

Do I have to repay my student loans while I’m in school?

New federal student loans will automatically be deferred while you are enrolled at least half time. You should be aware that although you can defer payments while you are in school, interest will still accrue on your loan(s). To defer loans toward which you are currently making payments, contact your loan servicer for information. 

When do I have to repay my loan?

After you graduate, leave school, or drop below half-time enrollment, you will have a six-month grace period before you are required to begin repayment. During this period, you’ll receive repayment information from your loan servicer and you will be notified of your first payment due date. Payments are usually due monthly. You are not required to pay while in school; however, if you choose to, there is no penalty to prepay. More information on repaying your federal student loans is available on the Federal Student Aid website.

What are the repayment plan options, and how do I select one?

The Department of Education (ED) offers multiple options for repayment. You may visit the ED website for more information on loan repayment plans.

Is there a repayment calculator or estimator that I can use?

Yes, the Federal Student Aid website has a repayment estimator.

Can I consolidate my graduate loans and my undergraduate loans?

A Direct Consolidation Loan allows you to consolidate (combine) multiple federal education loans into one loan including both graduate and undergraduate loans. Learn more about loan consolidation on the Federal Student Aid website.

Are there any loan forgiveness options available?

In certain circumstances, all or a portion of a borrower’s federal student loans may be forgiven under the federal government’s loan forgiveness program. Please review the Federal Student Aid website for more information on federal loan forgiveness, cancellation, and discharge.

Veterans Education Benefits

How do I apply for veterans education benefits?

To begin the process of applying for military education benefits for which you are eligible, visit the U.S. Department of Veterans Affairs website. Questions regarding eligibility should be directed to the VA at (888) 442-4551.

What documents are required to process veterans education benefits?

Visit Vets.gov to complete the Education Benefits Application, which generates a request for a Certificate of Eligibility (COE). The U.S. Department of Veterans Affairs will mail you the COE once you submit your application. Once received, submit a copy of the COE to St. John Fisher College Veterans Affairs Office at via email at registrar@sjfc.edu.

What is the deadline to apply for veterans education benefits?

If you are eligible to receive veterans education benefits, please contact the St. John Fisher College Veterans Affairs Office at via email at registrar@sjfc.edu. The College can assist you with the process of applying for your benefits.

Students that transfer in less than 90 earned credit hours will be required to file the FAFSA before benefits can be applied to your account.

What is the Yellow Ribbon Program (YRP)?

St. John Fisher College is a proud participant in the Yellow Ribbon Program and awards all students who meet the criteria.

The Yellow Ribbon Program allows degree-granting private colleges and universities in the United States to voluntarily enter into an agreement with the VA to fund tuition expenses that exceed the annual maximum cap for the resident tuition and fees at public institutions. Veterans who are utilizing Post-9/11 GI Bill benefits and who are entitled to 100% of their benefit may be eligible. To participate in the Yellow Ribbon program, you must be using Post-9/11 GI Bill benefits at 100% eligibility, not be on active duty, and not be a military spouse. Please note that Yellow Ribbon Program benefits cannot be combined with other St. John Fisher College tuition discounts. Eligibility in the program is automatically applied to your account. For more information, visit the Veterans Benefits website.

Am I eligible for Veterans Tuition Awards as a New York State resident?

Veterans Tuition Awards (VTA) are awards for New York State (NYS) residents who are full-time study and part-time study for eligible veterans matriculated in an approved program at an undergraduate- or graduate-degree-granting institution or in an approved vocational training program in NYS. More information on NYS Veterans Tuition Awards is available on the HESC website.

Who can I contact at St. John Fisher College for questions about using veterans education benefits?

For questions about military education benefits, visit the St. John Fisher College Veterans Affairs Office website, via email at registrar@sjfc.edu, or call (585) 385-8031.

Tax Benefits for Education

How do I qualify for a tuition tax credit?

For details on tax benefits for education, see IRS Publication 970: Tax Benefits for Higher Education, which provides detailed information. St. John Fisher College is unable to provide tax advice. We urge you to contact your tax advisor or the IRS [at (800) 829-1040 or via the IRS website] if you have any questions regarding the Hope or Lifetime Learning Tax Credits.

What is the 1098-T Form?

The 1098-T form displays the information that St. John Fisher College sent to the Internal Revenue Service. Box 1 is the amount of qualified tuition and related expenses (QTRE) you paid during the year. It is important to know that Box 1 cannot exceed the amount of qualified tuition and related expenses that were billed during the year. More information is available on the Student Accounts website.

How do I obtain my 1098-T Form?

Your Tuition Statement, Form 1098-T, may be accessed online through Fish ‘R’ Net under the Payment & Billing Information section. More information is available on the Student Accounts website.

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