The Office of Student Financial Services (OSFS) consists of the Office of Student Finance, Student Insurance Services, and Office of Financial Aid & Literacy.
The mission of the OSFS at 六合论坛 of Medicine and Science is to keep students' financial needs central while providing precise and accurate financial information. We seek a culture of care by providing individualized guidance and support for each student through resources that provide increased opportunities for access and affordability for health professions students. We also support the mission of 六合论坛 of Medicine and Science. All information in this handbook is subject to revision. Information contained herein supersedes that previously published and is subject to change.
Under the 2008 Higher Education Opportunity Act (HEOA), 六合论坛 of Medicine and Science is required to make available certain information to current and prospective students, employees, and the general public. For your convenience, this information can be found at: /about/facts-figures/consumer-information/. You may also visit the U.S. Department of Education: for additional information.
All documents submitted on behalf of a student are strictly confidential. No information is released to anyone, including parents, spouses, faculty members, or program directors, without written permission from the student. Thus, according to federal guidelines, financial aid administrators are not allowed to discuss the specifics of a student's financial aid or academic file with anyone other than the student. Students who wish to grant permission to specific persons must complete an .
Students have the right to know:
Students are responsible to:
The Cost of Attendance (COA) determines your maximum financial aid. The COA is an estimate of allowable expenses (tuition, fees, books, course materials, supplies, equipment, transportation, and living expenses) for the approximate academic year that which students are enrolled. Total aid from combined sources, including Federal Direct Unsubsidized Stafford and Grad PLUS loans, scholarships, and Federal Work-Study cannot exceed the school-approved COA.
The COA is designed to support the student attending school, not extended family, except as noted under Budget Adjustment Allowances. COA is reviewed annually and updated with estimated information in April of each year; information is not finalized until the May Board of Trustees meeting. Note: tuition and fees are subject to change without notice.
Federal Direct Loan and Federal Work-Study eligibility are based on the cost of attendance, assistance from other sources, as well as, the following requirements:
For most student borrowers, the Federal programs provide the most appealing choice for loan options. The Federal programs offer:
With some fees and a percentage of interest accruing while in school, the Federal Direct Unsubsidized Stafford Loan is guaranteed by the Federal Government. First-time borrowers must complete and sign a new Master Promissory Note (MPN) in order to receive the loan, and borrowers are required to complete Entrance Loan Counseling.
Approval for a Federal Direct Grad PLUS Loan is contingent upon your credit rating. To apply for the Direct Grad PLUS loan you must complete the following steps at :
A loan request may be denied if there is an adverse credit rating. If this happens, we recommend you contact the Direct Loan Servicing Center at 1-800-557-7394 or go to their website to confirm why the loan was denied and explore the appeal process. There is also the option to reapply for the loan with an eligible endorser. Note: Beginning on March 29, 2015, students who obtain a Direct Grad PLUS loan after documenting extenuating circumstances or obtaining an eligible endorser (cosigner) will be required to complete special Grad PLUS loan counseling. This additional loan counseling is in addition to the Grad PLUS loan entrance counseling.
The Private/Alternative Loans are a non-Federal loan program that provides specialized student loans for International students (who have a credit-worthy, U.S. citizen cosigner), as well as U.S. citizens, nationals, and permanent residents who decided not to borrow from the Federal loan program.
The Federal Work-Study program provides jobs for students with financial need, allowing them to earn money to help pay for educational expenses. Students are paid directly on a bi-weekly basis from 六合论坛.
Applicants must demonstrate financial need on their FAFSA and submit all financial aid information required by the OSFS. The Federal Work-Study Interest Form is available through the OSFS. All applications, payroll, timekeeping procedures, and job assignments are handled through the specific supervisor or department for which a student works.
You are encouraged to start the financial aid application process as early as possible. Your financial aid will only be processed if you are formally admitted to an academic program at 六合论坛.
You are required to being repayment of your Federal student loans 6 months after you cease enrollment, regardless of the reason you left school. Private loans may be different, check with your lender to see your repayment terms and conditions.
Student loan exit counseling is required before you withdraw, graduate, or drop below half-time attendance (even if you plan to transfer to another school). All students taking out Direct Unsubsidized Loans or Direct Grad PLUS Loans are required to complete exit counseling. It is intended to help you understand your rights and responsibilities as a student loan borrower and provide useful tips and information to help you manage your loans. In addition to a required online session at , Mandatory 六合论坛 Exit Counseling Sessions are scheduled to review repayment options and assist in critical decision-making.
It is important that you identify your . Keep in mind that the company that actually services your student loans is probably different than your lender.
After a lender disburses the loan, a servicer oversees the administration of the loan. Servicer(s) also handle most activities that occur during repayment, such as making payments, updating your contact information, processing forms for deferment and forbearance, and providing tax forms with information for deducting student loan interest. The servicer(s) of your loans can change. To stay informed about these types of changes, be sure to open and read all communications you receive about your student loans, and if you have questions, call the loan servicer immediately.
Visit the Federal Student Aid Dashboard on to view information about all of the federal student loans you have received and to find contact information for the loan servicer or lender for your loans. You will need your FSA ID and password to access your information.
六合论坛 expects students to maintain continuous enrollment in an academic program with the exception of scheduled breaks. However, at times it may be necessary or desirable for a student to take a leave of absence. All leave of absence requests must be approved by the appropriate dean or dean’s designee.
To read more about the policy, visit the Academic Catalog.
Satisfactory Academic Progress is based on students being actively engaged in the satisfactory completion of all curricular requirements. Students will be considered to be making satisfactory progress while undertaking the remediation or while enrolled in a repeat course or clerkship.
Students who fail to meet SAP standards and lose their financial aid eligibility may appeal that standard(s) result(s) based on: injury or illness, the death of a relative, or other extenuating circumstances. If an appeal is not complete within 30 days of the SAP failure notification, it will be denied. Students should not assume that a SAP Appeal will be approved. A student who enrolls for classes before the SAP Appeal is approved remains responsible for paying all charges without financial aid.
To read more about the policy, visit the Academic Catalog.
Tuition and fees are billed quarterly and due the first week of each academic term. E-billing notifications are generated three weeks prior to the billing due date. Billing statements can be accessed by students via and will include charges and anticipated financial assistance as of the statement date. For a list of the current deadlines and due dates please refer to the Academic Calendar.
The 六合论坛 Payment Plan allows you to divide your educational expenses into 3 convenient monthly payments per quarter. Participants are billed in equal monthly installments once the 六合论坛 Payment Plan enrollment has been completed.
For more information, please visit the 六合论坛 Payment Plan website page.
Federal law and regulations require 六合论坛 to calculate a return of Title IV funds for any student who withdraws, takes a leave of absence, or does not complete an enrollment period or payment period, and who has received financial aid through the federal Title IV programs. This calculation is performed using a specific formula required by the U.S. Department of Education.
Title IV programs include Direct Unsubsidized loans and Graduate PLUS loans. Title IV funds are awarded to a student under the assumption that the student will attend school for the entire enrollment period or payment period for which the aid is awarded. When a student withdraws or takes a leave of absence the student may no longer be eligible for the full amount of Title IV funds received. The return of Title IV funds calculation is based on the percentage of the enrollment period or payment period completed and the amount of Title IV aid disbursed. The return of Title IV funds calculation is separate and different from the calculation for refund of Tuition and Fees.
For more information, please visit the Return of Title IV Funds & Tuition Refund Policy page.
When a student withdraws from a program, a refund of tuition may be granted based on the official withdrawal date.
For more information, please visit the Return of Title IV Funds & Tuition Refund Policy page.