STUDENT FINANCIAL AID EXPLAINED - Wwwapi.ohsu.edu
OHSU REGISTRAR AND FINANCIAL AID STUDENT FINANCIAL AID EXPLAINED Financial Aid Information for Oregon Health & Science University 2018 – 2019 Registrar and Financial Aid Office Mackenzie Hall Room 1120 3181 S.W. Sam Jackson Park Road, L-109 Portland, OR 97239-3098 Phone: 503 494-7800 Fax: 503 494-4629 finaid@ohsu.edu www.ohsu.edu/finaid FAFSA Federal School Code: 004883 1
TABLE OF CONTENTS General Information Introduction .4 About Financial Aid at OHSU .4 Helpful Contacts .4 Application Procedures Required Forms and Filing Process .5 Parental Information for Health Professions Funding .5 Awarding Process Cost of Attendance and Determining Eligibility .6 Verification .6 Determining Awards .7 Receiving Your Award .8 Your OHSU Student Account .8 Tuition Payment .9 Enrollment.9 Reporting Additional Resources .10 Tax Credits .11 Policies Withdrawals .11 Refunds .11 Return of Title IV Funds .11 Consortium Agreements .13 D.M.D. Satisfactory Academic Progress Policy .13 M.D. Satisfactory Academic Progress Policy .14 Physician Assistant Satisfactory Academic Progress Policy .16 School of Public Health, Graduate Medicine, Graduate Dental, Graduate Nursing and Dietetic Intern Satisfactory Academic Progress Policy .18 Radiation Therapy Satisfactory Academic Progress Policy .20 Other Undergraduate Nursing Satisfactory Academic Progress Policy .21 Right to Inquiry and Appeal .23 Residency Classification Policy.23 Types of Financial Aid Scholarships/Outside Funding .24 Stipend Payments & Tuition and Fee Waivers .24 Military Service .24 National Health Service Corps Scholarships .24 Federal Pell Grant . .25 Federal Supplemental Educational Opportunity Grant .25 Oregon Opportunity Grant .25 Federal Work Study .25 General Student Loan Information .26 Federal Perkins Loan .26 Federal Direct Stafford Loans .29 Federal Direct PLUS Loans .32 2
Types of Financial Aid ( continued) Federal Nursing Student Loans .34 Nurse Faculty Loan Program .36 Health Professions Student Loans .38 Primary Care Loans .40 Institutional Loans .41 Private Alternative Loans .42 Short Term Loans .42 Entrance Loan Counseling .43 Exit Loan Counseling .43 Repaying Student Loans Developing a Strategy .43 Education Debt Counseling and Financial Management .43 How Much to Borrow .43 Federal Repayment Options .44 Federal Loan Consolidation .47 Deferment .47 Forbearance .47 Consequences of Default .47 Student Rights Family Educational Rights and Privacy Act (FERPA) .48 Additional Sources of Student Consumer Information .49 3
GENERAL INFORMATION Introduction Oregon Health & Science University (OHSU) recognizes that students and their families may have difficulty financing postsecondary education. To ensure that all qualified students have an opportunity to attend OHSU, the university provides financial assistance through the Financial Aid Office. This guide has been developed to explain financial aid at OHSU and to acquaint you with the terms and conditions of assistance. We hope that it will answer many of your questions regarding the process of applying and receiving financial aid. Please call the Financial Aid Office if you have further questions about any of our policies. About Financial Aid at OHSU The student financial aid program at OHSU is designed to assist students in meeting their educational costs. The Financial Aid Office thoroughly reviews your application for aid, and the best possible assistance is offered to help cover the costs of attending. There are four general types of financial aid: scholarships, grants, loans and employment. The types of aid you will be awarded will depend on many things, including your program of study, financial need and available aid. You must be formally admitted into a financial aid approved degree or certificate program at OHSU before your application for financial aid will be reviewed. We therefore suggest that you apply for financial aid AND admissions at the same time in order to meet certain financial aid deadlines. Once we are notified of your admission to the university we will begin to review your financial aid application. Waiting until you have been admitted to the university to apply for financial aid may adversely affect your financial aid award. Please see the Application Procedure Section for more information. Also, we will utilize several methods to contact you regarding your financial aid, including contacting you via email. Therefore, please make sure to check your OHSU assigned email address and to update us on your other email addresses. We look forward to working with you during your time at OHSU. Our goal is to make the financial aid process as smooth as possible for you. Please contact our office with any questions you may have. Helpful Contacts and Information Registrar and Financial Aid Office www.ohsu.edu/finaid/ 503 494-7800 Office of Academic & Student Affairs www.ohsu.edu/student-services/ 503 494-7878 Office of Student Access and Completion https://oregonstudentaid.gov/ 800 452-8807 U.S. Department of Education Direct Loan Servicing https://studentaid.ed.gov/sa/ 800 848-0979 4
APPLICATION PROCEDURES Required Forms and Filing Process The Free Application for Federal Student Aid (FAFSA) will be used to help determine your eligibility for all federal, state and university financial aid programs. When completing the FAFSA, please enter "Oregon Health & Science University, Portland, OR" in the section that requires you to indicate which colleges are to receive the FAFSA information. Our Federal School Code is 004883. Options for filing the FAFSA include the renewal application and electronic application. You will use your FSA ID to complete the application. If you need assistance with the FSA ID go to: www.studentaid.gov/fsaid The FAFSA must be submitted after October 1, 2017 for 2018-2019. Once the U.S. Department of Education has processed your FAFSA, you will receive either an electronic or a paper Student Aid Report (SAR). Please review the SAR carefully. Follow the instructions on your SAR if you need to make any changes to the information you reported on your FAFSA. The Financial Aid Office will receive the information directly from the Department of Education electronically. The OHSU preferential filing date for undergraduate students by which the FAFSA must be received by the Federal Processor is February 1 for 2018-2019. Applications received after February 1 will be processed, but funding may not be available in some financial aid programs. Because filing after the February 1 deadline can adversely affect your award package, we strongly suggest that you file your FAFSA as soon as possible after October 1, 2017. There is no priority filing date for graduate level students. The FAFSA process will allow applicants to download the 2016 tax information from the IRS. This is recommended whenever possible to help ensure accuracy You must reapply for federal financial aid each year. Reminder notices will be emailed to continuing students in September/October. Parental Information for Department of Health and Human Services Funding Students wanting to apply for Department of Health and Human Services (DHHS) funding (loan and scholarship) must include parental data on the FAFSA even though they meet the criteria of being an independent student.* This is a federal program requirement. Providing parental information to determine eligibility for DHHS funding will not affect eligibility for other types of funds for independent students. If OHSU receives DHHS funding in Health Professions (HP) and/or the Scholarship for Disadvantaged Students (SDS), an email will be sent to potentially eligible students in September or early October regarding how to apply for the funding and a deadline date. The application will be available during that time at the OHSU financial aid website (www.ohsu.edu/finaid). Students are encouraged to complete the DHHS application. If you choose not to provide parental information, the Financial Aid Office will consider your DHHS application incomplete and will not consider you for DHHS funding. *The SDS and the Primary Care Loan (PCL) have exceptions to the rule regarding if parental information is required. If such funding is available, the information regarding exceptions would be included in the notification regarding applying for the funding. 5
AWARDING PROCESS Cost of Attendance and Determining Eligibility The cost of attendance includes estimated instructional and estimated non-instructional costs. Estimated instructional costs are tuition, fees, books, equipment and supplies. The tuition and fees for each program are listed in the OHSU Academic Year Fee Book. Once approved by the OHSU Board, the fee book can be found at www.ohsu.edu/registrar. Estimated non-instructional costs include housing, utilities, food, transportation, clothing and other personal expenses. The OHSU Academic Year Fee Book, estimates for books and supplies, and estimates for noninstructional costs can be obtained by contacting the Registrar and Financial Aid Office. The Financial Aid Office will develop standard budgets that take into account both instructional and noninstructional costs. Your personal budget may differ from the one we have compiled. We use a general standard budget, which assures that all students are evaluated as consistently as possible. If you will incur child day care expenses during the period of time that you are in school, please go to: financialaid/upload/APCCPS Childcare Provider Statement-1819.pdf obtain the Child Care Provider Statement. The Financial Aid Office may be able to increase your standard budget by the amount of your child day care expenses. Eligibility of additional funding to cover child day care expenses will be determined by the Financial Aid Office on a case by case basis. Additionally, the Financial Aid Office has developed maximum amounts that can be added into an individual student’s budget to cover child day care expenses. Specifically, we will consider your request for additional funding based upon the costs you incur up to the following maximums: Infant to Three Years: 1527 monthly Three to Six Years: 1158 monthly Six to 12 years-Before and After School Program: 350 monthly Based on the information you submitted on the FAFSA, an Expected Family Contribution (EFC) is determined. Many components are used when determining the EFC including income, taxes paid, size of the household, assets and other factors. The EFC is then subtracted from the cost of attendance to determine eligibility for need-based assistance. The Federal Government offers the Financial Aid Office very little flexibility in altering a student’s need. However, it is recognized that certain situations are beyond a person’s control and those situations may affect a student’s ability to contribute toward his/her education. Examples of special circumstances are required medical/dental expenses (not covered by insurance), involuntary loss of employment, car repairs that are required to make the car operational (does not include regular maintenance issues), with a few exceptions a one-time purchase of one computer (not to exceed 2000). If you have one of these circumstances, please contact our office at 503 494-7800. If you feel you have other special circumstance, a letter with supporting documentation may be submitted to the Financial Aid Office for review. Please note that ceasing employment in order to return to school is not considered a special circumstance. Verification The U.S. Department of Education and OHSU selects applications for a process called Verification. If your application is selected for Verification, the Financial Aid Office is required to verify certain information that you provided on your FAFSA. The Financial Aid Office will notify you if you have been selected for Verification. You will be asked to submit additional documentation that must be 6
submitted before the file is reviewed. In addition, the Financial Aid Office may ask for additional documentation to clarify your situation. When asked to submit additional documents, please do so in a timely manner. Students selected for Verification will not be awarded financial aid until all requested documentation has been submitted. If there are corrections that need to be made to your FAFSA, the Financial Aid Office will make those corrections for you electronically. If your application is selected for Verification after you have been initially awarded, any financial aid previously awarded will be on hold until the necessary documents are received from you, the verification process is complete, and any necessary revisions are made to your award. You will be notified if any changes are made to your award. Determining Awards After your eligibility has been determined, OHSU will award the best possible funds depending upon your financial need. Once you are awarded, you will be sent an email regarding the award notification. You will then access the award information by going to the Student Information System at https://sisweb.ohsu.edu/ The award will outline the sources and amounts of funding for which they qualify and additional steps that must be completed in order to receive the funding. When awarding aid, OHSU must follow all federal and state laws and regulations. Your financial aid funding depends upon the information you and your family provide, the number of eligible applicants, and the total funds available. For example, there are not enough grant funds available to meet every student’s eligibility. Therefore, we are obligated by federal law to offer these funds to students who have the greatest financial need. Policies have been developed to ensure that students with similar levels of eligibility will receive similar awards, and usually this intent is achieved. There will be times, however, when awards will differ because of circumstances beyond the control of the Financial Aid Office. Such circumstances might include applications submitted with inaccurate data, lack of parental information on the application, or undergraduate applications received after February 1. Some of the general criteria for being considered for funding are listed below: Be a U.S. citizen or eligible noncitizen. Have a high school diploma or GED or have started a Title IV eligible program prior to July 1, 2012. Enroll in an eligible program as a regular student seeking a degree or certificate. Be registered with Selective Service if required (in general, if you are a male age 18 through 25). Meet satisfactory academic progress standards set by your school. Certify that you are not in default on a federal loan or owe money on a federal grant. Certify that you will use federal student aid only for educational purposes. Certify that you were not convicted for a drug offense that occurred while you were enrolled in school and receiving federal student aid. 7
Ramifications of Drug-Related Offenses for new and continuing students: A student who has been convicted of any offense under any Federal or State law involving the possession or sale of a controlled substance shall not be eligible to receive any federal Title IV grant, loan or work funds during the period beginning on the date of such conviction and ending after the interval specified in the following table: If convicted of an offense involving: The possession of a controlled substance: Ineligibility period is: st 1 year from date of conviction nd 2 years from the date of conviction rd Indefinite 1 offense 2 offense 3 offense The sale of a controlled substance: st Ineligibility period is: 1 offense 2 years from date of conviction 2nd offense Indefinite Students denied eligibility for an indefinite period can regain eligibility after completing any of the following options: 1. Successfully completing a rehabilitation program, which includes passing two unannounced drug tests from such a program; 2. Having the conviction reversed, set aside, or removed from the student’s record so that few than two convictions for sale or three convictions for possession remain on the record; or 3. Successfully completing two unannounced drug tests which are part of a rehab program (the student does not need to complete the rest of the program). Receiving Your Award To receive the aid, you must have accepted your award online through the Student Information System (https://sisweb.ohsu.edu/), completed any required entrance counseling and promissory notes (if necessary, the information on how to complete them would be available on the Student Information System), be registered for the appropriate number of credits, and not have any holds. Also, for alternative and PLUS loans, your loan must be approved by the lender. In addition, for alternative loans, we must have received the funding from your lender. If the alternative loan is in the form of a check and it requires your signature, you will be contacted to sign the check so it can be applied to your account. This may add time to receiving your aid. If all these requirements are met, the earliest funds could be available is the Thursday before the term begins based on the academic calendar for your program/year (with noted exceptions). The disbursement dates for your program are listed on the Student Information System. You can also find the entire financial aid disbursement calendar at www.ohsu.edu/finaid, select ‘Financial Aid Information’ from the top menu, then select ‘Disbursement Calendar’. Your OHSU Student Account You can check your student account to review charges on your account and also aid applied to your account. To check your student account, go to https://sisweb.ohsu.edu/ and follow the instructions to log in. 8
Refunds Any aid disbursed to your student account is first applied to outstanding charges before determining if there is a refund. Refunds for excess financial aid are in either the form of a refund check or direct deposit. If you would like to sign up for direct deposit, you may print the form off at ct-Dep-Authorization.pdf The form and any necessary paperwork should be submitted to the OHSU Cashier’s Office at the Portland Campus (see additional information on the form). Refund Checks: The checks are mailed directly to you. As mail time can very, we recommend signing up for direct deposit. Tuition Payment If the release of financial aid funds is delayed, or some other circumstances have occurred which prevent you from paying your tuition, a deferred tuition plan is available. For more information, contact OHSU Bursar’s Office at 503 494-1196. Enrollment The enrollment level required to receive the financial aid award is listed on your award for each term of the financial aid year (Full Time, ¾ Time, ½ Time, or ½ Time). Listed below are the credits required for that enrollment level. Enrollment Status/Code Undergraduate Graduate/Professional Full Time . .12 or more credits .9 or more credits ¾ Time 9 to 11 credits .7 to 8 credits ½ Time . . 6 to 8 credits 5 to 6 credits ½ Time . . 1 to 5 credits . 1 to 4 credits Not Enrolled . .0 credits . .0 credits If your enrollment will differ from what is listed on the award, you will need to complete and submit an enrollment plan update form. The form is available at our office or at the following website financialaid/upload/ENROLO Enrollment Update.pdf Your financial aid award will then be revised based on the enrollment level that you reported. You will be notified via email when the revision is completed. Please be aware, certain financial aid programs are available to students who are attending on a part-time basis, but funding is more limited. Please see the information listed below regarding enrollment requirements for some basic aid types. Types of Aid* Pell Grant** Supplemental Educational Opportunity Grant (SEOG) Oregon Opportunity Grant (OOG) Work Study Subsidized Stafford Loan Unsubsidized Stafford Loan Undergraduate Enrolled full time, ½ or ¾ time Yes Graduate Enrolled full time, ½, or ¾ time N/A Yes N/A Yes N/A Yes Yes Yes Yes N/A Yes 9
PLUS Parent Loan Graduate PLUS Loan Yes N/A N/A Yes Scholarship for Disadvantaged Students (SDS) Requires full time enrollment Requires full time enrollment Health Profession Loan (HP) Nursing Loan Requires full time enrollment Yes Requires full time enrollment Yes * The amount of aid available at less than full time could be lowered based on the fund requirements as well as your lower cost of attendance. **The only federal student aid program available at less than ½ time enrollment is the Pell Grant Program. However, there are limitations on which Pell Grant recipients could receive the grant at less than ½ time. If you are enrolled in more than the minimum number of credits required for the enrollment status (but are still in that enrollment level) and your program charges by the credit, you can request that your cost of attendance be increased to reflect your actual tuition cost. This is likely to result in additional loan eligibility. Such requests can first be submitted to the Financial Aid Office at least one week prior to the term beginning. All such requests must be submitted before the last term of the financial aid year has concluded or when you stop attending at least ½ time, whichever comes first. If pursuing an eligible study abroad for academic credits that are required for your OHSU program, those credits may be considered for enrollment at the home institution for purposes of financial aid. Please contact our office as additional information would be needed to determine if the credits could be included. Reporting Additional Resources Federal regulations require you to report to our office if you will receive any additional resources for Summer 2018 through Spring 2019. This includes, but is not limited to: Graduate Research Assistantships Stipends Departmental Tuition/Fee Payments Employee Tuition Benefits Traineeships Private Scholarships Military Awards WICHE funding National Health Service Corps Vocational Rehabilitation AmeriCorps State (not Federal) VA educational benefits Exclude sources of aid that are awarded by the OHSU Financial Aid Office such as Pell Grants, Perkins Loans, Stafford Loans, Health Profession Loans, etc. If you will receive any additional resources, please go to http://www.ohsu.edu/finaid-forms to print out the Reporting Additional Resources form under the 2018-19 Financial Aid Forms section to report those resources to our office. If you are not receiving any additional resources, you do not need to submit this form. If your eligibility has already been met, then the addition of other resources requires OHSU to make an adjustment in the financial aid you have been awarded. This adjustment will involve the reduction of loan funds whenever possible. If, on the other hand, your eligibility has not been met, a change in your OHSU award may not be necessary. 10
Tax Credits There are certain tax benefits in place for tuition paid and for student loan interest payments. For current information on these tax laws, contact an accountant or go to Internal Revenue Service website www.irs.gov. POLICIES Withdrawals If you decide to leave the university, for any reason, including official leaves of absence, you are required to complete a Withdrawal or Approved Leave of Absence form, have it approved by the academic program, and submit it to the Registrar and Financial Aid Office. This form is available in the Registrar and Financial Aid Office or on our website at http://www.ohsu.edu/registrar. If you have borrowed a student loan, you will be required to complete an exit interview online. Exit interview notifications are sent from the Financial Aid Office. For any questions, you can contact the office at 503 494-7800. If you withdraw during a quarter in which you are receiving financial aid, you may be required to repay a portion of the assistance you received in accordance with federal regulations. See Return of Title IV Funds below for more information. Refunds Students who withdraw from courses after a term has begun will have tuition charges assessed according to the University Refund Policy* as defined below. Financial aid recipients also will be subject to the Return of Title IV Funds calculation. Refunds of tuition and/or fees may be granted to students in accordance with the following University Refund Policy for 2018-19. The employee tuition benefit program is nonrefundable. No refunds are issued for fees after the 100% refund date. Notification of program withdrawal or cancellation must be in writing and addressed to the designated university officer. An appeals process is available to students who believe that their circumstances warrant exceptions to the published policy. The following is the anticipated OHSU Refund Schedule for 2018-19. Starting from the day on which classes begin for the term, by calendar days: Refund before the
About Financial Aid at OHSU The student financial aid program at OHSU is designed to assist students in meeting their educational costs. The Financial Aid Office thoroughly reviews your application for aid, and the best possible assistance is offered to help cover the costs of attending. There are four general types of financial aid:
Operational Training Financial Aid Step Action 1. Click on the FINANCIAL AID option from the menu or click on the REVIEW & ACCEPT FINANCIAL AID hyperlink in the Financial Aid box. Step Action In the GIFT AID section, you will see aid that cannot be modified by a student. Gift Aid includes: Scholarships, Tuition Assistance, Grants, etc.
Foreign aid has various different forms; economic aid, social aid and "other aid" components are the main ones. Economic aid is a form of physical capital, aid to both infrastructure and the production stage, social aid refers to aid in form of human capital whereas other aid components entail food and emergency aid (Akramova 2012, 119-120).
Please keep this with your financial aid records for future reference helpful tools Financial Aid Student Access (NetPartner) NetPartner is the student financial aid portal. View financial aid awards, accept or decline awards, view documents that are missing/received for financial aid, view loan history, etc. Students access NetPartner by
Welcome to the Adler University's Financial Aid and Student Accounts Handbook! This handbook contains information about the financial aid process and should be the first source consulted with any questions about financial aid. The Office of Financial Aid reserves the right to update or change the policies and
Many of our financial aid processes have moved to virtual or online formats. Students can submit nearly all financial aid forms online via their Financial Aid Dashboard and con-nect with Financial Aid Advisors via phone, chat, email, or in-person. With Tri- 24/7, we are also available after hours, on week-ends, and even holi-days!
regarding the process of applying and receiving financial aid. Please call the OHSU Registrar and Financial Aid Office if you have further questions about any of our policies. About Financial Aid at OHSU The student financial aid program at OHSU is designed to assist students in meeting their educational costs.
FINANCIAL . AID BULLETIN . 2021-2022 . Helping make college affordable for everyone . FINANCIAL AID OFFICE FINANCIAL AID OFFICE FINANCIAL AID OFFICE . 619-388-3501 . Office A-270 . cityaid@sdccd.edu 619-388-2817 619. Office I4 -107 . mesaaid@sdccd.edu -388 7864 Office K 312 miraaid@sdccd.edu
Coronavirus disease 2019 (COVID-19) Situation Report – 94 HIGHLIGHTS The Global Outbreak Alert and Response Network (GOARN) has launched a GOARN COVID-19 Knowledge hub. The hub is designed as a central repository of quality public health information, guidance, tools and webinars which can be accessed freely at any point.
