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\par }{\fs32 Master of Family Therapy
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\par }\pard \qc \li0\ri0\sl360\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs32 Graduate Degree Programs}{\fs48 
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\par }{\fs32 
\par 
\par Mercer University School of Medicine}{\fs48 
\par }{\i\fs32 Office of Student Financial Planning}{\fs48 
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\par 
\par Table of Contents
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\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 
\par 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Introduction\tab 1
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 General Information & Policies \tab 1

\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Tuition Payments\tab 2
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Refund/Return of Funds Policy\tab 3

\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 
Financial Aid Eligibility and Requirements \tab 7
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Student Budget \tab 9
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Financial Aid Process \tab 10
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Award Process \tab 13
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 
Funds Available for Graduate Students \tab 14
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Exit Interview \tab 17
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 
MUSM Office of Student Financial Planning\tab 18
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-360\li360\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Financial Aid Planning Calendar \tab 
19
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par 
\par 
\par 
\par 
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\par 
\par 
\par 
\par 
\par 
\par 
\par 
\par 
\par 
\par 
\par 
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\par 
\par }{\fs24 
\par 
\par 
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\par \sect }\sectd \margtsxn1350\sbknone\linex0\headery1260\endnhere\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 Mercer University School of Medicine\tab }{
\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}\pard\plain \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24 
\par 
\par 
\par 
\par 
\par 
\par 
\par 
\par }{\i\fs26 
\par Merc
er University School of Medicine does not discriminate on the basis of age, race, color, national and ethnic origin, sex, or handicap in the administration of education policies, admission policies, financial aid, employment, or any other college progr
am or activity. It admits qualified students to all rights, privileges, programs, and activities generally accorded or made available to students.}{\fs24 
\par \sect }\sectd \margtsxn1350\sbknone\linex0\headery1260\endnhere\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 Mercer University School of Medicine\tab }{
\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}\pard\plain \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs28 
\par 
\par 
\par 
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\par 
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\par 
\par }{\fs24 \sect }\sectd \sbknone\linex0\headery1260\endnhere\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 Mercer University School of Medicine\tab }{
\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}\pard\plain \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs28 
\par }\pard \ql \li0\ri0\widctlpar\phmrg\posx2453\posy8234\absw4320\faauto\rin0\lin0\itap0 {\fs24 
\par }\pard \qc \li0\ri0\widctlpar\phmrg\posx2453\posy8234\absw4320\faauto\rin0\lin0\itap0 {\fs26 SCHOOL OF MEDICINE}{\fs24 
\par }{\i\fs24 Office of Student Financial Planning
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs28 
\par }\pard \qc \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs28 
\par 
\par }{\fs24 
\par 
\par 
\par 1550 College Street
\par Macon, GA 31207
\par 478/301-2853}{\fs28 
\par }\pard \ql \li0\ri0\sl-232\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs28 
\par 
\par }\pard \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 {\i\fs26 
\par 
\par 
\par All information contained herein is current as of July 2004 and is subject to change as conditions dictate.}}}\pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs24 \page \sect }\sectd 
\margrsxn1080\margbsxn720\sbknone\linex0\headery1260\endnhere\titlepg\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 Mercer University School of Medicine
\tab }{\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}{\footer \pard\plain \s18\qr \li0\ri0\nowidctlpar\tqc\tx4320\tqr\tx8640\pvpg\phpg\posx5364\posy15120\absw576\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\cs19 PAGE  }}{\fldrslt {
\cs19\lang1024\langfe1024\noproof 6}}}{\cs19 
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\par }}\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\b\fs36 
\par 
\par Introduction}{\fs23 
\par }{\fs22 
\par Congratulations on your decision to pursue your graduate degree. We hope that your experience here at Mercer University School of Medicine will be enjoyable as you acquire the skills and knowledge necessary to attain your goals.
\par 
\par The primary responsibi
lity for the funding of your education lies with you and your family. However, many families today cannot contribute sufficient funds to meet the expenses of attending medical school. Student loans are available from the Department of Education and a few 
 
private lenders for those students who do not have an adverse credit history. The goal of the Office of Student Financial Planning is to assist you individually with financial planning and debt management that will enable you to graduate with the least po
ssible amount of debt.
\par 
\par All students are encouraged to be creative in financing their education. Search for those \'93free\'94 or \'93low interest funds\'94 from extended family members, corporations, religious organizations, foundations, employers, etc.
\par 
\par This bulletin is intended to help you negotiate the financial aid maze. Please use it as a resource throughout the year. The staff of the MUSM Office of Student Financial Planning is looking forward to helping you with your questions about financial plann
ing. Feel free to call us at 478/301-2853 or to stop by our office.}{\fs24 
\par 
\par  }{\b\fs36 General Information & Policies}{\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 
\b\v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\tc {\b\fs24 }{\fs24  }{\b\fs36 General Information & Policies}{\b\fs24 }}}{\fs23 
\par }{\b\fs23 
\par }{\b\i\fs28 Privacy of Information}{\fs23 
\par 
\par }{\fs22 All documents submitted on behalf of a financial aid applicant are strictly confidential. No 
copy of information is released to anyone, including faculty members or program directors, without written consent of the applicant. This institution has the right to disclose information in connection with financial aid for which a student has applied or
 has received as necessary for such purposes as determining the amount of aid or conditions that will be imposed regarding aid and enforcing the terms or conditions of the aid.}{\fs24 
\par 
\par }{\b\i\fs28 Student Rights and Responsibilities}{\b\i\fs23 
\par }{\fs23 
\par }{\fs22 The student has the right to know:
\par 
\par }\pard\plain \s15\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 1.\tab The cost of attendance.
\par 2.\tab What financial aid programs are available from federal, state, and institutional sources.
\par 3.\tab Procedures or deadlines for submitting financial aid applications.
\par 4.\tab How financial aid is distributed, how decisions about that distribution are made, the basis for those decisions.
\par 5.\tab How the student\rquote s financial need is determined.  This includes how costs for tuition and fees, room and board, travel, books and supplies, personal and miscellaneous expenses, etc. are considered in the student budget.
\par 6.\tab How the student\rquote s eligibility was determined and what resources (such as parental contribution, other financial aid, student and family assets, etc.)  are considered in the calculation of financial need.
\par 7.\tab How much of the financial need, as determined by the institution will be met.
\par 8.\tab An explanation of the various programs in the student aid package.  How and when funds will be disbursed to you.
\par 9.\tab The school\rquote s return/refund policy.
\par 10.\tab What portion of the financial aid must be repaid and what portion is grant aid.  If the aid is a loan, the student has the right to know the interest rate, the total amount to be repaid, the}{ repayment }{\fs22 
procedures, the length of time he or she will have to repay the loan, when repayment is to begin, and the cancellation or deferment provisions of the loan.
\par 11.\tab How the school determines satisfactory academic progress and what happens if progress is not satisfactory.
\par 12.\tab That all documents submitted to the Office of Student Financial Planning are confidential.
\par 13.\tab How to appeal a decision made by the Office of Student Financial Planning concerning your award.
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs22 
\par The student\rquote s responsibilities are to:
\par 
\par }\pard\plain \s15\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 1.\tab Accurately complete all documents required for financial aid and submit them properly before the deadlines.
\par 2.\tab Provide correct information. In most instances, misrepresentation of information on financial aid application forms is a violation of law and may be considered a criminal offense which could result in indictment under the U.S. Criminal Code.
\par 3.\tab Be responsible for reading and understanding all forms requiring his or her signature and for keeping copies of them.
\par 4.\tab Accept responsibility for all signed agreements.  Repay all student loans you receive.
\par 5.\tab Return all additional documentation, verification, corrections, and/or new information requested by the Office of Student Financial Planning or the agency to which the application was submitted.
\par 6.\tab Be aware of the school\rquote s refund policy and procedures.
\par 7.\tab Notif
y the Office of Student Financial Planning of any change in your enrollment or financial status (including all scholarships and grants received from outside sources.)  Changes in enrollment status and address changes must also be reported to all lenders w
ith whom you have a loan.
\par 8.\tab Participate in an entrance interview or workshop with a financial aid counselor before applying for loans from any source.  The interview will review available loans and the terms and conditions of each loan.
\par 9.\tab Attend an exit interview prior to leaving MUSM whether by graduation or withdrawal.  The exit interview session will inform the student of loans and repayment, deferment, forbearance options.
\par 10.\tab Be aware of and comply with all requirements for continuation of financial aid, including satisfactory academic progress requirements.
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs24 
\par }{\b\i\fs28 Falsification of Records}{\fs23 
\par 
\par }{\fs22 Falsification of any part of the financial aid application may result in denial, withdrawal, and/or demand for repayment of fin
ancial aid funds disbursed. Students will also be in violation of the MUSM Honor Code which will mandate an appearance before the Honor Court.
\par 
\par It should be noted that financial information submitted on the Free Application for Federal Student Aid (FAFSA) 
or the Renewal Application for Federal Student Aid (RAFSA) will be used to establish eligibility for federal student aid funds and that misrepresentation may subject the filer to sanctions under provisions of the United States Criminal Code.
\par 
\par }{\b\fs36 Payment of Tuition}{\fs24 
\par 
\par }{\fs22 Tuition payments are due in full for all graduate students on the last day of registration for each semester. When a student registers, it is understood specifically that he or she will pay in full all charges incurred at registration.
\par 
\par Financial aid awards are credited to the student\rquote 
s tuition account. Subsidized and Unsubsidized Federal Direct Loan funds are given in multiple disbursements. Direct Loans will be received electronically from the Department of Education. All other loans or scholarship
s will be credited directly to the student\rquote s account}{\fs24  }{\fs22 within five days after the student has endorsed the check in the MUSM Office of Student Financial Planning.
\par 
\par If a student has received financial aid funds in excess of tuition, the extra amount will be r
efunded to the student five working days after the last day of drop/add. Additional funds received at other times during the academic year will be refunded to the student five working days after the check has been received by the MUSM Finance/Business Off
ice unless prior arrangements have been made with that office. The MUSM Finance/Business Office will send an e-mail notice to each student when checks are ready to be picked up.}{\fs24 
\par }{\b\i\fs24 
\par }{\fs24 \sect }\sectd \margrsxn1080\margbsxn1080\sbknone\linex0\headery1260\endnhere\titlepg\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 
Mercer University School of Medicine\tab }{\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\b\fs36 Return/Refund Policy}{\fs24 
\par 
\par }{\fs22 A student who FORMALLY RESIGNS from school prior to the last day of the drop/add period for any term of enrollment will be entitled to a 100% credit of tuition and fees charged for the current term.  A student who FORMALLY RESIGNS fro
m school after this date may be entitled to a prorated credit of the tuition and fee charges if certain criteria are met as described in this policy.  The criteria for the Mercer Institutional Refund Policy are based upon federal mandates established by t
he Federal Return Policy which will take effect at all of the Mercer campuses on August 15, 2000, replacing all existing refund policies throughout the University.
\par 
\par Mercer University will maintain a fair and equitable refund policy by adherence to this Inst
itutional Refund Policy in all programs, in all schools, and on all campuses.  This policy is subject to change if there are future changes to the Federal Return Policy or other Federal, State, Accrediting Agency, or Institutional policies with which it m
ay conflict.
\par 
\par To FORMALLY RESIGN a student must drop or withdraw from all courses for the term by 1.) personally completing and returning an official Term Withdrawal form obtained from their school\rquote s Registrar\rquote s Office, or 2.) phoning their school\rquote 
s Registrar\rquote s Office and having an official Term Withdrawal form completed for them.  The completed form must be received in the registrar\rquote 
s office before the resignation process can be finalized.  Resignation calculations will be based upon the date the Term Withdrawal form is received in the registrar\rquote s office.
\par 
\par The Institutional Refund Policy states that a student is not eligible for any credit of  tuition, fees, or other institutional charges if (1) the student fails to formally resign; (2) the student 
is suspended for disciplinary reasons; (3) the student resigns when a disciplinary action or honor code violation is pending; or (4) the student withdraws from a class or classes but does not totally resign from the University.  
\par 
\par When the University has assessed charges in error, a full credit and/or refund of the charges will be made.  
\par Financial Aid awards and disbursements for students who formally resign from the University after the last day of drop/add each term will be returned to the original source of funds in accordance with the Federal Return Policy.
\par 
\par Any exception to this policy will require a written appeal by the student to the Dean or Associate Dean for their school of enrollment.
\par 
\par }{\fs24 \sect }\sectd \margrsxn1080\sbknone\linex0\headery1260\endnhere\titlepg\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 
Mercer University School of Medicine\tab }{\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}{\footer \pard\plain \s18\qr \li0\ri0\nowidctlpar\tqc\tx4320\tqr\tx8640\pvpg\phpg\posx5364\posy15120\absw576\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\field{\*\fldinst {\cs19 PAGE  }}{\fldrslt {
\cs19\lang1024\langfe1024\noproof 23}}}{\cs19 
\par }\pard \s18\ql \li0\ri0\nowidctlpar\tqc\tx4320\tqr\tx8640\faauto\rin0\lin0\itap0 {
\par }}\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs22 If a student
 ceases attendance without notifying the University, a Federal statutory provision allows the University to use the midpoint of the payment period as the withdrawal date for calculating the Federal Return Policy.  Otherwise, the University may use the stu
dent\rquote s last day of academically related activity if it can document the student\rquote s attendance.  A calculation for the Return of Federal funds will be completed within 30 days of the school\rquote 
s determination that a student has ceased attendance without proper n
otification.  Any financial aid disbursements which must be returned to their original source of funding will then become immediately due and payable by the student to the University and in some cases to the U.S. Department of Education.  }{\fs24 
\par }{\fs22 The following resignation calculation will be used to determine the prorated amount of tuition and fees to be credited to the student\rquote s account and the amount of financial aid to be returned to their source programs:
\par 
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 \tab 
The total number of calendars days* attended by the student \tab =\tab Percentage to 
\par \tab The total number of calendar days* in the term of enrollment\tab \tab be retained
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }{\fs24 \sect }\sectd \sbknone\linex0\headery1260\endnhere\titlepg\sectdefaultcl {\header \pard\plain \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 Mercer University School of Medicine
\tab }{\i\fs22 2004-2005 MFS/MFT Graduate Program Financial Aid Maze}{\fs24 
\par }}{\*\pnseclvl1\pndec\pnstart1\pnindent1440 {\pntxta .}}{\*\pnseclvl2\pnlcltr\pnstart1\pnindent1440 {\pntxta .}}{\*\pnseclvl3\pnlcrm\pnstart1\pnindent1440 {\pntxta .}}{\*\pnseclvl4\pndec\pnstart1\pnindent1440 {\pntxtb (}{\pntxta )}}{\*\pnseclvl5
\pnlcltr\pnstart1\pnindent1440 {\pntxtb (}{\pntxta )}}{\*\pnseclvl6\pnlcrm\pnstart1\pnindent1440 {\pntxtb (}{\pntxta )}}{\*\pnseclvl7\pndec\pnstart1\pnindent1440 {\pntxta .}}{\*\pnseclvl8\pnlcltr\pnstart1\pnindent1440 {\pntxta .}}{\*\pnseclvl9
\pnlcrm\pnstart1\pnindent1440 }\pard\plain \ql \li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 The total number of calendar days includes all days beginning with the first day of classes and ending with the last day of exams for the student\rquote s offici
al program of study, excluding scheduled breaks of at least five consecutive days or more.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 {\fs22 
When the percentage to be retained is equal to or greater than 60% NO tuition credit or refund of Title IV funds is required by the Mercer Institutional Refund Policy or the Federal Return Policy.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab 
\par \tab Total tuition and fees for the term of enrollment X  (100 - percentage to be retained)
\par \tab \tab  =  Total tuition and fees to be credited to the student\rquote s account
\par 
\par \tab Total amount of Title IV Financial Aid disbursed X  (100 - percentage to be retained) 
\par \tab \tab =   Total Title IV Financial Aid to be returned**
\par \tab \tab 
\par \tab \tab ** In most cases the University is required to return only the portion of Federal
\par }\pard \ql \li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 {\fs22 
Financial Aid that has been paid towards institutional charges.  Any funds refunded to the s
tudent prior to resignation could be repayable by the student to the University or the U.S. Dept of Education.   Should the University be required to return federal financial aid funds in excess of those retained for tuition and fees then the student woul
d be immediately responsible for payment back to the University for the full amount of this excess refund.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab 
\par }\pard \ql \li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 {\fs22 
Total amount to be returned to Non-Title IV funds = Total tuition and fees to be credited to the student\rquote s account less the total Title IV Financial Aid to be returned. 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par Federal Title IV financial aid funds must be returned in the following order:
\par \tab \tab 1. Loans:\tab -Federal Unsubsidized
\par \tab \tab \tab \tab -Federal Subsidized
\par \tab \tab \tab \tab -Federal Perkins
\par \tab \tab \tab \tab -Federal PLUS
\par \tab \tab 2. Grants (& Other):\tab -Federal Pell
\par \tab \tab \tab \tab \tab -FSEOG
\par \tab \tab \tab \tab \tab -Other Title IV (excluding College Work Study earnings).
\par 
\par Non-Title IV financial aid funds will be returned in the following order:
\par \tab \tab 1. Mercer Institutionally funded Loans
\par }\pard \ql \fi-1440\li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 {\fs22         \tab 
    Mercer Institutionally funded Grants/Scholarships
\par         \tab 2. Mercer Endowment funded Loans
\par         \tab     Mercer Endowment funded Grants/Scholarships
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab \tab 3. State and Other Loans
\par \tab \tab     State and Other Grants/Scholarships
\par }\pard \ql \fi-1440\li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 {\fs22         \tab 4. Student/Parent Payments}{\fs24 

\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 Sample Refund Calculations: Fall Semester, 2000
\par 
\par }\pard \ql \fi-2880\li2880\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin2880\itap0 {\fs22 First Day of Class\tab =\tab 
August 21, 2000 (Monday)
\par Last Day of Exams\tab =\tab December 8, 2000 (Friday)
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-2880\li2880\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin2880\itap0 {\fs22 Holidays\tab \tab =\tab 
Labor Day, Monday, September 4, 2000
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab \tab \tab \tab 
Thanksgiving Break, Thursday and Friday, November 23-24, 2000
\par 
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 
Number of Calendar Days between August 21 and December 10 \tab =\tab 110 days
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 Number of Scheduled Breaks lasting five 
\par }\pard \ql \fi-7200\li7200\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin7200\itap0 {\fs22 \tab \tab \tab 
consecutive calendar days or longer\tab \tab =\tab none
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-5760\li5760\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5760\itap0 {\fs22 \tab 
Total Calendar Days in this enrollment period\tab =\tab 110 days
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par Resignation Scenario #1: A graduate student formally resigns in the Registrar\rquote s Office on               Monday, September 18, 2000.
\par 
\par }\pard \ql \fi-2160\li2160\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin2160\itap0 {\fs22 Typical Charges:\tab $3,645 Graduate Tuition

\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par Financial Aid Disbursed: $5,000 Federal Subsidized Direct Loan of which $1,355 has been refunded to the student.
\par 
\par }\pard \ql \fi-1440\li1440\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin1440\itap0 {\fs22 Calculation:\tab 
Number of Calendar Days between August 21 (First Day of Class) and September 18 (the date of Formal Resignation)\tab =\tab 29 days
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 \tab Percentage of charges to be retained*=\tab 
29 days \tab =\tab .2636 or 26.4%
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab \tab \tab \tab \tab \tab 110 days
\par 
\par \tab *Note this is the same calculation used for the percentage of Title IV Aid Earned.}{\fs24 
\par \tab 
\par }\pard \ql \fi-7200\li7200\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin7200\itap0 {\fs22 Amount of Tuition earned by the Institution\tab 
=\tab $3,645 x 26.4%    =\tab $962.28
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 Amount of Tuition to be Credited to the Student\rquote 
s Account = $3,645 - $962.28 = $2,682.72
\par 
\par }\pard \ql \fi-7200\li7200\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin7200\itap0 {\fs22 Amount of Title IV funds earned by Student\tab =
\tab $5,000 x 26.4%    =\tab $1,320.00
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
Amount of Title IV fund to be Returned to the Direct Loan Program = $5,000 - $1,320 = $3,680
\par 
\par Amount of Title IV funds to be Returned by the University = $3,645 x (100-26.4%) = $2,682.72
\par 
\par Amount of Title IV funds to be Returne
d by the Student = *Since the student received a Direct Loan the student will be responsible for the repayment of the amount borrowed less the amount Returned by the University in accordance with the promissory note signed by the student.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \fi-2880\li2880\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin2880\itap0 {\fs22 Snapshot of Student Account:\tab 
Tuition\tab \tab $3,645.00
\par }\pard \ql \fi-5040\li5040\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5040\itap0 {\fs22 \tab \tab \tab \tab \tab Direct Loan
\tab \tab (5,000.00)
\par \tab \tab \tab \tab Refund to Student\tab  \tab 1,355.00
\par }\pard \ql \fi-5760\li5760\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5760\itap0 {\fs22 \tab \tab \tab \tab Account Balance
\tab        -0-\tab At time of resignation
\par }\pard \ql \fi-5040\li5040\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5040\itap0 {\fs22 \tab \tab \tab \tab Tuition Credit
\tab \tab \tab (2,682.72)
\par \tab University Refund to Direct Loan Program\tab \tab  2,682.72
\par }\pard \ql \fi-5760\li5760\ri0\widctlpar\tx-1080\tx-720\tx0\tx720\tx1440\tx2160\tx2880\tx3600\tqc\tx4320\tx5040\tqdec\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5760\itap0 {\fs22 \tab \tab \tab \tab Account Balance
\tab        -0-\tab After resignation
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par Resignation Scenario #2: A graduate student leaves school without formally resigning in or calling the Registrar\rquote s Office but the University is able to document that the student last attended class on Monday, September 18, 2000.}{\fs24 
\par 
\par }{\fs22 \tab The results would be the same as scenario #1
\par 
\par Resignation Scenario #3: A graduate student leaves school without formally resigning in or calling the Registrar\rquote s Office and the University is unable to document the student\rquote s last date of attendance.  
Therefore, the midpoint of the term is used as the withdrawal date:
\par 
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 Calculation:\tab 
Number of Calendar Days in the Term/2\tab =\tab 55 days
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab 
\par }\pard \ql \fi-5760\li5760\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5760\itap0 {\fs22 \tab Percentage of charges to be retained*=\tab 
55 days\tab =\tab .5000 or 50%
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 \tab \tab \tab \tab \tab \tab 110 days
\par 
\par \tab *Note this is the same calculation used for the percentage of Title IV Aid Earned. 
\par 
\par }\pard \ql \fi-7200\li7200\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin7200\itap0 {\fs22 Amount of Tuition earned by the Institution\tab 
=\tab $3,645 x 50%\tab =\tab $1822.50
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 Amount of Tuition to be Credited to the Student\rquote 
s Account = $3,645 - 1,822.50 = $1,822.50
\par 
\par }\pard \ql \fi-7200\li7200\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin7200\itap0 {\fs22 Amount of Title IV funds earned by Student\tab =
\tab $5,000 x 50%    =\tab $2,500.00
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
Amount of Title IV funds to be Returned to the Title IV Programs = $5,000 - $2,500 = $2,500
\par 
\par Amount of Title IV funds to be Returned by the University =$3,645 x (100-50%) = $1,822.50
\par 
\par Amount of Title IV funds to be Returned by t
he Student = *Since the student received a Direct Loan the student will be responsible for the repayment of the amount borrowed less the amount Returned by the University in accordance with the promissory note signed by the student. 
\par 
\par }\pard \ql \fi-5760\li5760\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5760\itap0 {\fs22 Snapshot of Student Account:\tab Tuition\tab 
\tab \tab \tab $3,645.00
\par \tab \tab \tab \tab Direct Loan\tab \tab \tab (5,000.00)
\par }\pard \ql \fi-5040\li5040\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5040\itap0 {\fs22 \tab \tab \tab \tab Refund to Student\tab  \tab 
1,355.00
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 \tab \tab \tab \tab Account Balance\tab        
\tab     -0-\tab At time of resignation
\par }\pard \ql \fi-5040\li5040\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin5040\itap0 {\fs22 \tab \tab \tab \tab Tuition Credit\tab \tab 
\tab (1,882.50)
\par }\pard \ql \fi-4320\li4320\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin4320\itap0 {\fs22 \tab University Refund to Direct Loan Program
\tab \tab  \tab 1,882.50
\par }\pard \ql \fi-6480\li6480\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin6480\itap0 {\fs22 \tab \tab \tab \tab Account Balance\tab        
\tab      -0-\tab After resignation
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par The major difference between Scenario #1 and Scenario#3 is the amount of the University refund to the Direct Loan program.  Assuming the student actually withdrew on September 18, 2000 then the student will pay back $860
.22 more to the Direct Loan program than if he/she had taken the time to properly withdraw.  
\par 
\par Leave of Absence
\par 
\par A student may be granted a leave of absence for a variety of reasons.  Approved Leave(s) Absence (LOA) as defined by the Department of Educatio
n does not exceed 180 days during a twelve-month period.  The 180 days may be taken at one time or may cover several LOA\rquote s during the 12-month period, for limited well-documented cases within federal guidelines.
\par 
\par  A student who takes an approved leave of absence is considered not to have withdrawn from the school.  A leave of absence is approved if:
\par }\pard \ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 {\fs22 1. \tab 
The student has made a written request for the leave(s) of absence;
\par 2. \tab The leave(s) of absence does not exceed 180 days;
\par 3. \tab The school does not charge the student for the leave(s) of absence.}{\fs24 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs24 
\par }{\fs22 If a student\rquote s leave(s) of absence is not approved or the student fails to return to the school at the end of an approved leave(s) of absence, the student is considered to have withdrawn from the school, and the refund requirements apply.

\par 
\par }\pard \ql \fi-1440\li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
These leave of absence requirements also affect a student\rquote s in-school status for the purposes of deferring Student Financial Assistance (SFA) Loans.  A student on an approved leave of absenc
e is considered to be enrolled at the school and would be eligible for an in-school deferment for his or her SFA loans.  A student who takes an unapproved leave of absence or fails to return to the school at the end of an approved leave of absence is no l
onger enrolled at the school and is not eligible for in-school deferment of his or her loans.  
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 
\par Privileges granted during a leave of absence:
\par 
\par }\pard\plain \s15\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 1.\tab The student may use the library and other learning resources.
\par 2.\tab A student on leave of absence will remain on the distribution list for any student updates, class newsletters, and other communications}{\b\i 
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\b\i\fs28 
\par Tuition Costs for Repeating Courses}{\b\i\fs23 
\par 
\par }{\fs22 If a student requires an extra semester to complete the curriculum, he or she will be charged full tuition for that semester.
\par }{\fs24 \tab \tab 
\par }{\b\fs24 }{\fs24  }{\b\fs36 Financial Aid Eligibility and Requirements}{\pard\plain \ql \li0\ri0\widctlpar
\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \b\v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\tc {\b\fs24 
\par }{\fs24  }{\b\fs36 Financial Aid Eligibility and Requirements}{\fs24 }}}\pard\plain \ql \li0\ri0\widctlpar
\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\b\fs23 
\par 
\par }{\b\i\fs28 Who is eligible for Financial Aid?}{\b\fs23 
\par }{\fs22 
\par Any student who has a satisfactory credit rating is eligible for some form o
f financial assistance. Income and assets will determine the type of financial aid that is received but will not affect whether or not a student is eligible for financial aid. If income and assets exceed the limits set to prove eligibility for need-based 
scholarship and loan programs, there are non-need-based programs for which a student may apply.
\par 
\par To qualify for financial aid programs and to maintain eligibility for these programs, an applicant must:
\par 
\par }\pard\plain \s15\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 1.\tab Be a citizen or permanent resident of the U.S.
\par 2.\tab Be accepted for admission to Mercer University School of Medicine.
\par 3.\tab Be enrolled in good standing at least half time.
\par 4.\tab Maintain satisfactory academic progress.
\par 5.\tab Have a valid Social Security number.
\par 6.\tab Not be in default on a previous student loan or owe a refund on any Title IV funds received at another institution.
\par 7.\tab Be registered with the Selective Service, if a male between 18 and 26 years of age who is not currently a member of the armed forces.}{
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\b\i\fs28 
\par Satisfactory Academic Progress}{\fs23 
\par }{\fs22 
\par A graduate student is expected to maintain satisfactory academic progress throughout his or her program. A student may repeat only one course throughout the degree program or certificate program to improve a letter grade of \'93C\'94
 or lower. A student with a letter grade of \'93D\'94 or two letter grades of \'93C\'94 will automatically be placed on academic probation and will need to appear before the Student Promotions Committee (SPC). A student with two letter grades of \'93D\'94
 or three grades of \'93C\'94 will be indefinitely excluded from his or her graduate program. A student may appeal a program exclusion to the SPC and finally to the Dean of the School of Medicine.}{\fs24 
\par }{\b\i\fs24 
\par }{\b\i\fs28 What is Financial Need?}{\fs23 
\par 
\par }\pard \qc \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\tx11520\faauto\rin0\lin0\itap0 {\fs22 A student is determined to have financial need wh
en the Expected Family Contribution (EFC), as determined by a federally-approved needs analysis, is less than the sum recognized as the school-approved budget for attendance in the graduate program at MUSM. Financial need is calculated this way:
\par Student Budget
\par }\pard \qc \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 \emdash  Expected Family Contribution
\par 
\par }\pard \qc \li0\ri0\keep\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22   Financial Need 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 \tab 
\par The student budget includes tuition, books and equipment, room and board, and living expenses. It does not include an allowance for payments on credit cards or other consumer debts.
\par 
\par The EFC is calculated by the Department of Education through its contracted central processors. The central processor uses financial information submitted by the student, spouse, and parents in a federal formula to determine the expected family contributi
on.
\par 
\par A student must prove financial need in order to be eligible for need-based aid (funds administered by the school and Federal Direct Subsidized Stafford Loans). A student may not receive need-based aid in excess of the calculated financial need.
\par 
\par A stu
dent may use non-need-based (Federal Direct Unsubsidized Stafford Loans) to replace the expected family contribution. Overall, the student may not receive financial assistance from all sources, whether need-based or non-need-based, in excess of the school
 approved budget.
\par 
\par If a student demonstrates no financial need, he or she may borrow funds from non-need-based loans for an amount not to exceed the total cost of education; i.e., the school-approved budget.}{\fs24 
\par 
\par }{\fs23 
\par }\pard \ql \li0\ri0\widctlpar\faauto\rin0\lin0\itap0 {\fs24 \page }{\b\fs36 Student Budget}{\b\fs36\super 1}{\fs24 
\par }\pard \qc \li0\ri0\sl360\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs28 2004-2005 Graduate Program Budget}{\fs24 

\par Master of Family Therapy and Master of Family Services
\par }\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 \cellx7640\pard \qc \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\i\fs28 Full-time Students}{\fs24 \cell 
}\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 \cellx7640\row 
}\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrb
\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 \cell }\pard \qc \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Year 1}{\fs23 
\par 6 hrs per Semester
\par 11 mos -- 43 wks}{\fs24 \cell Year 2}{\fs23 
\par 9 hrs per Semester
\par 11 mos -- 43 wks}{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd 
\trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 
\cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Tuition/Fees ($636 per semester hour)\cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 $11,448\cell $17,172\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Books and Equipment\cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {
\fs24 600\cell 600\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Living Expenses\cell 
\cell \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 
\cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Rent and Utilities\cell 7,810\cell 7,810\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Food\cell 4,300\cell 4,300\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Transportation\cell 1,100\cell 1,100\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd \trqc\trgaph120\trrh426\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Miscellaneous/Personal\cell 
1,320\cell 1,320\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh426\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd 
\trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 
\cellx5711\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\fs26 Annual Budget}{\fs24 \cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\fs26 $26,578}{
\fs24 \cell }{\b\fs26 $32,302}{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\clbrdrt
\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd 
\trqc\trgaph120\trrh-216\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 
\cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 \cell \cell \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd 
\trqc\trgaph120\trrh-216\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 
\cellx7640\row }\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 \cellx7640\pard \qc \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\i\fs28 Part-time Students
}{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 
\cellx7640\row }\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711
\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 \cell }\pard \qc \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 1 Class/no
\par Practicum}{\fs23 
\par 3 hrs per Semester
\par 11 mos -- 43 wks}{\fs24 \cell 1 Class with
\par Practicum}{\fs23 
\par 6 hrs per Semester
\par 11 mos -- 43 wks}{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrb\brdrs\brdrw5 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd 
\trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 
\cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Tuition/Fees ($636 per semester hour)\cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 $5,724\cell $11,448\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Books and Equipment\cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {
\fs24 300\cell 300\cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Living Expenses\cell 
\cell \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 
\cellx3782\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Rent and Utilities\cell 7,810\cell 7,810\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Food\cell 4,300\cell 4,300\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Transportation\cell 1,100\cell 1,100\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs24 Miscellaneous\cell 1,320\cell 1,320\cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782
\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\clbrdrt\brdrdash\brdrw15 
\cltxlrtb\clftsWidth3\clwWidth3902 \cellx3782\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\pard 
\ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\fs26 Annual Budget}{\fs24 \cell }\pard \qr \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\fs26 $20,554}{\fs24 \cell }{\b\fs26 $26,278}{\fs24 \cell }\pard 
\ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth3902 
\cellx3782\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx5711\clvertalt\clbrdrt\brdrdash\brdrw15 \cltxlrtb\clftsWidth3\clwWidth1929 \cellx7640\row }\trowd 
\trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 \cellx7640\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs22\super 1}{\fs22 
The new federal methodology bases all need determinations on a single student budget. 
Budget increases (detailed explanation follows) may be requested for dependent care and medical or dental expenses not covered by insurance. Other requests for budget increases will be reviewed and evaluated on a case-by-case basis.
\par }\pard \qc \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\b\fs24 Tuition is subject to change without notice.}{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd 
\trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth7760 \cellx7640\row }\pard \qc \li0\ri0\widctlpar
\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\b\i\fs28 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\b\i\fs28 
\par Adjustments to Student Budget}{\fs24 
\par }{\fs23 
\par }{\fs22 During the course of an academic year, circumstances may arise that cause a student to need financial 
assistance in excess of the standard student budget. In certain limited situations, the student budget may be expanded to include additional allowable items.
\par }{\fs24 
\par }{\b\i\fs28 Allowable Items for Budget Increases}{\fs23\ul 
\par 
\par }{\fs22 Each expense must be documented with receipts on a Budget Increase Request form and submitted to the MUSM Office of Student Financial Planning.  The following items may be used to increase the student budget:
\par 
\par }\pard\plain \s16\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 \bullet \tab Medical and dental expenses not covered by insurance,
\par \bullet \tab Dependent care and special education costs for dependents,
\par \bullet \tab Other justifiable educational and emergency expenses. }{
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs24 
\par }{\b\i\fs28 Computer Equipment Budget Increase}{\fs23 
\par 
\par }{\fs22 MUSM will increase a student\rquote s budget for an amount up to $2,500 for the one-time purchase of computer equipment.  This increase can be accessed at an
y time during enrollment at MUSM.  The budget increase will be done on a student request basis.  The student will be required to submit documentation of total costs (including all hardware, software, licenses, taxes, etc.)  for the purchase of computer eq
u
ipment to the Office of Student Financial Planning when requesting their budget increase.  These funds may be borrowed through Title IV funding or through private education loan programs.  No additional funding will be available for the maintenance or rep
air of computer equipment after the initial purchase. 
\par }{\fs24 
\par }{\b\fs36 }{\fs24  }{\b\fs36 Financial Aid Process}{\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\b\v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\tc {\b\fs24 }{\b\fs36 
\par }{\fs24  }{\b\fs36 Financial Aid Process}{\fs24 }}}\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs23 
\par 
\par }{\b\i\fs28 How to Apply for Financial Aid}{\fs23 
\par 
\par }{\fs22 When a student determines that family and outside resources will be insufficient to meet the costs of education, he or she should then apply for MUSM and federal assistance. Financial aid must be applied for each year. It is the student\rquote 
s responsibility to complete all forms accurately and to submit those forms before the appropriate deadlines.
\par 
\par The following five documents are required of each financial aid recipient:
\par 
\par \bullet   Free Application for Federal Student Aid (FAFSA) or the Renewal Application for Federal Student Aid (RAFSA) \emdash  All applicants for financial aid funds are required to complete an online FAF
SA, the need analysis questionnaire approved by the U. S. Department of Education (DOE) which measures the applicant\rquote 
s financial resources. The DOE does not make financial awards or determine the type of aid for which the student is eligible. New students 
should submit the FAFSA after their first graduate school interview. All returning students must to submit an online FAFSA by April 1 of  the first year of the award period. After the analysis is complete, the Department of Education forwards to the schoo
l an Institutional Student Information Record (ISIR), an analysis of the student and family resources (income and assets).
\par \bullet  MUSM Financial Aid Form and Packet \emdash  Every student should read and complete the MUSM Financial Aid Forms and return them to us by the requested date.
\par 
\par \bullet  Financial Aid Transcript \emdash  Transcript information will be received from the National Student Loan Database System (NSLDS). Students do not need to request them.
\par 
\par  \bullet  Verification of Income \emdash  Each student must submit a signed copy of his or her federal income tax return for the previous year.  In the event a student did not file taxes, the \'93Federal Income Tax Filing Information\'94
 form, which is a part of the MUSM Application for Financial Aid, should be signed and submitted to the MUSM Office of Student Financial Planning. 
\par 
\par \bullet  Federal Direct Stafford Subsidized Loan Application \emdash  The FDSSL is the basic portion of the financial aid package required of all medical students applying for financial aid.
\par }{\fs24 
\par }{\b\i\fs28 Student Independence}{\fs23 
\par 
\par }{\fs22 Each graduate or professional student is considered an independent applicant for federal student aid and is not required to provide parental financial information on the Free Application for Federal Student Aid (FAFSA).}{\fs24 
\par 
\par }{\b\i\fs28 Applicants}{\fs23 
\par 
\par }{\fs22 
All applicants for admission to MUSM are encouraged to complete the online Free Application for Federal Student Aid regardless of acceptance status. The applicant should indicate on the FAFSA that the information should be sent to all schools to which he 
or she is applying. If this information is available to the Office of Student Financial Planning when the applicant is accepted, loan applications can be processed and awards made quickly.}{\fs24 
\par 
\par }{\b\i\fs28 Entering Students}{\fs23 
\par 
\par }{\fs22 Financial aid application packets are mailed each Fall and Spring to applicants who have been accepted and have confirmed that acceptance with a deposit.}{\fs24 
\par 
\par }{\b\i\fs28 Returning Students}{\fs23 
\par 
\par }{\fs22 All returning students are required to submit a FAFSA or a Renewal Application online to the Department of Education  by April 1 of the first year of the relevant award period.}{\fs24 
\par 
\par }{\b\i\fs28 Transfer Students}{\fs23 
\par 
\par }{\fs22 The same application procedures apply as those required of entering students.}{\fs24 
\par 
\par 
\par }{\b\i\fs28 
\par \page Married Students}{\fs23 
\par 
\par }{\fs22 The primary responsibility for financing an education lies with the student and the family of the student. The spouse of a married student is expected to contribute toward the married student\rquote 
s educational expenses a portion of earnings after tax deductions and a standard allowance for reasonable living expenses. If the spouse is enrolled as 
a full-time student, no spousal contribution will be expected. No need-based institutional funds are available in lieu of the spouse\rquote s expected contribution.}{\fs24 
\par 
\par }{\b\i\fs28 Foreign Students}{\fs23 
\par 
\par }{\fs22 A copy of the U. S. citizenship documents or permanent resident visa (both sides of the form) is required of all foreign students before government scholarships, loans, or institutional loans may be disbursed.
\par }{\fs24 
\par }{\b\i\fs28 Student Personal Savings and Assets}{\fs23 
\par 
\par }{\fs22 A student requesting financial aid is expected to apply to the cost of education a certain portion (as calculated by the FAFSA) of all savings and assets before eligibility for institutional funds is considered.}{\fs24 
\par 
\par }{\b\i\fs28 Important Deadlines to Remember}{\fs28 
\par }{\fs23 
\par }\pard \qc \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 January}{\fs22  31
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
All returning students will receive from the Office of Student Financial Planning an application for financial aid which must be complete and returned.  Submit online FAFSA.
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 March 14}{\fs22 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
Loan request are due in the Office of Student Financial Planning on or before this date if a student needs to have additional funds by the May tuition due date.
\par 
\par }\pard \qc \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 April 30}{\fs22 
\par }\pard \ql \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
All current students must return their completed MUSM financial aid forms to the Office of Student Financial Planning on or before this date.  For current students and all entering {\*\bkmkstart BM_1_}{\*\bkmkend BM_1_}
students accepted for Fall Semester, the FAFSA must be submitted to the Department of Education online through FAFSA On the Web on or before April 1.
\par }\pard \ql \li0\ri0\keep\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \qc \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 May}{\fs22  
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 Exit interviews will be held for graduating seniors.
\par Beginning approximately May 15, the Director of MUSM Office of Student Financial Planning will begin awarding all returning students.
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 June 16}{\fs22 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
Loan requests for the Federal Direct Loan (Subsidized and Unsubsidized) are due in the Office of Student Financial Planning by this date in order to have loan funds arrive by registration for Fall Semester.
\par 
\par }\pard \qc \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\i\fs22 November 14}{\fs24 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
Loan requests are due in the Office of Student Financial Planning on or before this date if a student needs to have additional funds by the January tuition due date.}{\fs24 
\par 
\par  }{\b\fs36 Award Process}{\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\b\v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\tc {\b\fs24 }{\fs24  }{\b\fs36 Award Process}{\b\fs24 }}}{\fs23 
\par 
\par }{\b\i\fs28 Need Eligibility}{\fs23 
\par 
\par }{\fs22 After MUSM has received the results from the FAFSA need analysis, an award letter will be sent to the student. This letter will contain the student\rquote 
s individual  budget (based on the standard student budget), expected family contribution, and resulting financial need.}{\fs24 
\par 
\par }{\b\i\fs28 How Awards are Determined}{\fs23 
\par 
\par }{\fs22 In determining a student\rquote s eligibility, outside resources and the student\rquote s maximum Federal Direct Subsidized and Unsubsidized Loan eligibility are considered.}{\fs24 
\par 
\par }{\b\i\fs28 Offer of Financial Aid}{\fs23 
\par 
\par }{\fs22 An award letter will be sent to each student after his or her file has been reviewed, verified, and awards made. The award letter will include the standard student budget, the ex
pected family contribution, and, if the student is eligible, an offer of need-based funds.
\par 
\par All students who have met the April 1 FAFSA/RAFSA filing deadline will receive an award on or before July 1. Entering and transfer students who have not met the Apr
il 1 deadline due to acceptances offered late in the spring will receive an award letter shortly after the results of the FAFSA have been received in the Office of Student Financial Planning.}{\fs24 
\par 
\par }{\b\i\fs28 Appeals}{\b\fs23 
\par }{\fs23 
\par }{\fs22 
Every student has recourse through the Senior Vice President for Health Affairs and Dean of the School of Medicine to appeal decisions which cannot be resolved within the MUSM Office of Student Financial Planning. The appeal should be submitted in writing
 to the Executive Associate Dean of the School of Medicine.}{\fs24 
\par 
\par }{\b\i\fs28 Adjustment to Aid Awards}{\fs23 
\par 
\par }{\fs22 It is the student\rquote s responsibility to inform the Office of Student Financial Planning of any changes in his or her financial status during the course of the academic year
. At any time after the financial aid application has been submitted or an award made, adjustments may be made by the institution if estimated resources cease to exist or fail to materialize. For example, if a spouse becomes unemployed, disabled, or dies,
 
the applicant should submit written documentation to the Office of Student Financial Planning. Likewise, if a student receives funds which were not anticipated at the time of the application, the Office of Student Financial Planning should be notified so 
that the award may be reduced accordingly.
\par }{\fs24 
\par }{\b\i\fs28 Entrance Interview}{\fs23 
\par 
\par }{\fs22 In an effort to assure that a student is an informed borrower, MUSM and federal regulations require 
that every student participate in an entrance interview before federal funds are disbursed. The entrance interview should be considered an integral part of the student\rquote 
s financial planning. It will communicate information about each loan the student plans to borrow and cover topics relating to consolidation options, debt management, and general repayment obligations.
\par 
\par Entering students may consider this bulletin and the entrance interview session fulfillment of the entrance interview requirement.}{\fs24 
\par 
\par }{\b\i\fs28 Applying for Loans}{\fs23 
\par 
\par }{\fs22 After the award letter has been signed and returned to the Office of Student Financial Planning, the student should begin the loan application process. 
\par 
\par Direct Loans (both subsidized and unsubsidized) are awarded by the Office of Student Financ
ial Planning and promissory notes are printed by the Student Loan Office. Students are notified by the MUSM Office of Student Financial Planning when they need to come by and sign their promissory notes.
\par 
\par Each student should carefully evaluate his or her projected financial needs for the academic year and borrow accordingly, without exceeding the limits established by the standard student budget and the student\rquote 
s own financial need. As previously mentioned, each student must borrow from the Federal Direct Subsidized Stafford Loan program to meet the first $8,500 of financial need.
\par 
\par The Office of Student Financial Planning has alternative loan applications from a variety of lenders. Interest rates and terms of loans may vary from lender to lender. Students are advised to do some comparison shopping before selecting a lender.
\par 
\par After the application has been completed, it must be returned to the Office of Student Financial Planning. Processing time depends upon the lender, but is usually four to six weeks. In or
der to have loan funds available in time for registration, students should submit loan applications no later than July 1 for fall semester.
\par 
\par If a student determines later in the academic year that he or she needs additional loan funds and is eligible for t
hem, loan applications will be accepted until May 1 of the last year of the award period; i.e., 2005 for the 2004-05 award period. After that date, no loan applications will be processed until the following academic year.}{\fs24 
\par 
\par 
\par }\pard \ql \li0\ri0\sl-215\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs24  }{\b\fs36 Funds Available for Graduate Students
}{\fs23 }{\pard\plain \ql \li0\ri0\sl-215\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\b\v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\tc {\b\fs24 }{\fs24  }{\b\fs36 Funds Available for Graduate Students}{\fs23 
\par }{\b\fs24 }}}\pard\plain \ql \li0\ri0\sl-215\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 
\f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs23 
\par }\pard \ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\f29\fs28 \'21}{\fs28 \tab }{\b\i\fs28 Scholarships}{
\fs23 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\b\fs23 
\par }{\fs22 Scholarships which Require Additional Application - For the  following program, applicants must apply directly to the donor.
\par 
\par }\pard \ql \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 \tab Jaques Foundation Scholarship
\par }\pard \ql \li360\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Jaques Foundation
\par }\pard \ql \li0\ri0\keep\keepn\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 \tab c/o Nations Bank Trust Department
\par \tab P.O. Box 4007
\par \tab Macon, GA 31213}{\fs24 
\par }\pard \ql \li0\ri0\keep\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs24 \tab 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\b\f29\fs28 \'21}{\b\fs28 \tab }{\b\i\fs28 Loans}{\fs28 
\par 
\par }{\fs22 William D. Ford Federal Direct Loan Program (Subsidized and Unsubsidized Loans) - Under the 
William D. Ford Direct Loan Program, the Department of Education makes loans to students to pay the cost of attendance at post secondary schools. Mercer University receives loan funds directly from the U. S. Department of Education and disburses them to e
ligible students.
\par 
\par There are two kinds of direct loans available to MUSM students:
\par 
\par }\pard \ql \li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Direct Subsidized Loan \emdash 
  The federal government pays the interest on the loans while the student is in school and during specified periods of deferment. Students must demonstrate financial need to receive a Direct Subsidized Loan.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par }\pard \ql \li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 Direct Unsubsidized Loan \emdash 
  These loans are available to students regardless of financial need; however,  the borrower is responsible for the interest that accrues during any period.
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
\par To apply for a Direct Loan, a student must complete and submit an online Free Application for Federal Student Aid (FAFSA) or Renewal Application for Federal Student Aid (RAFSA). The Department of Education uses the information provided on the FAFSA/RAFSA 
to determine the student\rquote 
s expected family contribution (EFC), the amount the student can be expected to contribute toward college costs. The school uses the EFC to determine the total amount of financial aid the student needs, including the amount of Direc
t Subsidized Loan (need-based) funds the student is eligible to receive.
\par 
\par The interest rate for Direct Subsidized Loans and Direct Unsubsidized Loans is variable. The interest rate during any twelve-month period beginning on July 1 and ending June 30 is de
termined on June 1 immediately preceding that period. The interest rate is equal to the bond equivalent rate of 90-day Treasury Bills auctioned at the final auction held prior to that June 1 plus 2.3 percentage points during repayment or plus 1.7 percenta
ge points prior to repayment for loans which accrue interest prior to repayment.  Interest is capitalized (added to the borrower\rquote 
s unpaid principal balance) at repayment. The maximum interest rate for Direct Subsidized and Direct Unsubsidized Loans is 8.25%
. Direct Loans have an origination fee of 3% of the total amount of the loan, and a portion of that total fee is deducted from each disbursement.
\par 
\par In no case may a Direct Subsidized or Direct Unsubsidized loan amount exceed the student\rquote s estimated cost of attendance for the period of enrollment for which the loan is intended, less the student\rquote 
s estimated financial assistance for that period and, in the case of a Direct Subsidized Loan, the borrower\rquote s expected family contribution for that period.
\par }\pard \ql \li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 {\fs22 \tab 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 The annua
l loan limit for a Direct Subsidized Loan is $8,500 and the aggregate unpaid principal amount, including subsidized loan amounts borrowed under the Federal Stafford Loan Program, may not exceed $65,500, including loans for undergraduate study. The annual 
l
oan limit for a Direct Unsubsidized Loan is $18,500 less the amount of any Direct Subsidized Loan, and the total aggregate amount of Direct Unsubsidized Loans may not exceed $138,500, including any loans for undergraduate study, minus any Direct Subsidize
d Loans, subsidized or unsubsidized loan amounts borrowed under the Federal Stafford Loan Program and the Federal SLS Program loan amounts.
\par 
\par Repayment of Direct Loans begins six months after graduation or at least half-time enrollment is terminated. The bor
rower may choose from four different repayment plans. Prior to entering repayment, borrowers will be given information on all the repayment plans available under the Direct Loan Program.}{\fs24 
\par }{\fs22 A Direct Loan borrower who has no outstanding balance on any FFEL Program loan made prior to July 1, 1993 is eligible to defer repayment of Direct Loans during any period in which the borrower meets any of the following requirements:
\par 
\par }\pard\plain \s16\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 \bullet \tab The borrower is attending school at least half-time, is pursuing a course of study pursu
ant to a graduate fellowship, or is pursuing a rehabilitation training program for individuals with disabilities;
\par \bullet \tab The borrower is seeking and unable to find full-time employment (up to three years); or
\par \bullet \tab The borrower has experienced or will experience an economic hardship (up to three years).
\par }\pard\plain \ql \li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\fs22 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
If, at the time of application for a Direct Loan, a borrower has an outstanding balance on any FFEL Program loan that was made prior to July 1, 1993, the borrower is eligible for the above described 
deferments and some additional deferments available under the FFEL Program. 
\par 
\par When Direct Loans enter the repayment period, a borrower who intends to repay the loan but who has circumstances which make repayment difficult for a period of time may be grante
d a forbearance in the form of temporary cessation of payments, an extension of time for making payments, or the servicer may temporarily accept smaller payments. Interest accrues during forbearance and, if not paid, is capitalized.
\par 
\par Direct loans are originated electronically and the funds are transferred electronically which gives us the advantage of fast, accurate processing.
\par }{\fs24 
\par }{\b\i\fs28 Alternative Loan Programs}{\fs24 
\par 
\par }{\fs22 Alternative Loan Programs are loan programs designed to help with the costs of educational expenses tha
t cannot be paid through other means. A list of alternative lenders is available in the MUSM Office of Student Financial Planning.  The total amount available per year is the cost of education (the standard student budget) less all federal need-based and 
n
on-need-based loans and any other school or outside awarded financial assistance (loans and scholarships). The amount borrowed for one academic year may not exceed the approved school budget. A student is eligible to borrow from this program until his or 
her aggregate unpaid educational loan limit from all sources reaches the limit specified by the alternative lender.
\par 
\par Interest on alternative loans begins to accrue immediately. The interest rate is variable and adjusted quarterly to the bond equivalent of t
he 91-day U.S. Treasury Bill rate plus a variable percentage set by the alternative program lender. Interest, deferment, and forbearance options may be quoted by each individual program. 
\par 
\par Borrowers are charged a guaranty fee at disbursement. The guaranty fee is a percentage of the total amount of the loan. A portion of the total fee will be deducted from each loan check.
\par 
\par Repayment begins after graduation.  There is no penalty for prepayment. Borrowers have a maximum of twenty years to repay.
\par \tab 
\par These loans may be processed electronically by MUSM and the funds received by Electronic Funds Transfer.}{\fs24 
\par 
\par }{\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 \v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 
{\xe {\fs24 Exit Interview}}}{\fs24  }{\b\fs36 
\par \page Exit Interview}{\fs23 
\par 
\par }{\fs22 Every student who borrows from federal and/or institutional loan funds must participate in an exit 
interview with the MUSM Office of Student Financial Planning before graduating or withdrawing from MUSM. During this interview, the borrower confirms the total sum borrowed, the source of each loan, repayment provisions (deferment, forbearance, cancellati
on), the amount  of each loan, the date repayment begins, and the length of the repayment period.}{\fs24 
\par }{\b\i\fs24 
\par }{\b\i\fs28 Loan Deferment}{\fs23 
\par 
\par }{\fs22 While attending MUSM, the student is responsible for obtaining deferments for student loans received prior to matriculation at MUSM. Loan deferment forms should be submitted to the MUSM Registrar for completion.
\par 
\par After graduation or withdrawal from MUSM, the student is also responsible for requesting deferment and forbearance for the loans received while attending MUSM. Some of the deferment and
/or forbearance options available are for full-time student status, participation in an accredited residency program, and active duty military service. The length of the deferment or forbearance varies depending upon the loan program. Each borrower should
 carefully investigate all the deferment or forbearance options available for each loan before borrowing.}{\fs24 
\par 
\par }{\b\i\fs28 Loan Consolidation}{\fs23 
\par 
\par }{\fs22 Loan consolidation is the combining of multiple federal education loans into a single debt. The new 
consolidation loan replaces the old loans so borrowers are, in essence, refinancing their education debt. Borrowers can use consolidation to stretch the payback period from the standard ten years to thirty years. 
\par 
\par Consolidation loans can reduce monthly payments and simplify bookkeeping and check-writing chores, but extending the repayment time will increase the total amount the borrower will pay in interest.
\par 
\par Loan consolidation is available under the Federal Family Education Loan Program (FFELP), for borro
wers with outstanding loans obtained under this program, and under the William D. Ford Direct Loan Program, for borrowers who have at least one Direct Loan or are unable for some reason to obtain a consolidation loan under the FFELP program. Under the Dir
ect Consolidation program, borrowers receive their consolidation loans directly from the federal government. Both programs offer a range of parallel repayment strategies. The four basic Direct Consolidation repayment plans are:
\par 
\par }\pard\plain \s15\ql \fi-360\li360\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin360\itap0 
\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\fs22 1.\tab Standard repayment plan \emdash  Ten-year payback with level payments
\par 2.\tab Extended Repayment plans \emdash  Equal installments paid monthly for up to thirty years
\par 3.\tab Graduated repayment plans \emdash  Monthly payment amounts start low and are increased at specified intervals
\par 4.\tab Income Contingent repayment plans \emdash  The size of the monthly payment is based on the borrower\rquote s income and loan balance.
\par }\pard\plain \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 \f28\fs20\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {
\fs22 
\par Both programs charge a variable rate that is adjusted annually and tied to the three-month Treasury Bill rate with a maximum of  8.25%. }{\fs24 
\par 
\par }{\fs22 
Borrowers should exercise care in consolidating their loans. Under some consolidation programs, borrowers can lose deferment benefits or interest subsidies. Married students should be cautious about consolidating their loans together since each spouse mus
t
 agree to be liable for repaying the total amount of the consolidation loan and for repaying the loan regardless of any change in marital status. Borrowers who want to minimize the interest cost of their loans should choose repayment terms that enable the
m to pay off their loans quickly.}{\fs24 
\par 
\par }\pard \ql \li0\ri0\sl-215\slmult0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\pard\plain \ql \li0\ri0\sl-215\slmult0\widctlpar
\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 \v\f28\fs24\lang1033\langfe1033\cgrid\langnp1033\langfenp1033 {\xe {\fs24 Office of Financial Aid}
}}{\fs24  }{\b\fs36 Office of Student Financial Planning}{\b\fs23 
\par }{\b\i\fs28 
\par Services}{\b\fs23 
\par 
\par }\pard \ql \li0\ri0\widctlpar\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\fs22 
It is the responsibility of the Office of Student Financial Planning to assure that all students have easy access to information concerning eve
ry aspect of financial aid programs available, including updates in federal regulations that relate to these programs and financial planning and debt management techniques. The staff of the MUSM Office of Student Financial Planning fulfills this responsib
ility using a variety of publications and workshops. The MUSM Director of Financial Aid and the Associate Director of Financial Aid are available from 8:30 a.m. until 5:00 p.m. for financial counseling for students.
\par 
\par The staff is also responsible for originating Direct Loans for eligible students and for assisting students in the alternative loan application process.
\par 
\par We look forward to working with you.}{\fs24 
\par 
\par 
\par }{\b\i\fs28 Who\rquote s Who}{\fs23 
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\ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs22 Youvette D. Hudson, Director
\par Office of Student Financial Planning 
\par MUSM Registrar
\par }{\fs24 \cell }{\fs22 Office of Student Financial Planning
\par Main Number:  478/301-2853 
\par Private Fax:      478/301-5617
\par 
\par }{\fs24 \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth4929 
\cellx4809\clvertalt\cltxlrtb\clftsWidth3\clwWidth3980 \cellx8789\row }\trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 \clvertalt\cltxlrtb\clftsWidth3\clwWidth4929 \cellx4809
\clvertalt\cltxlrtb\clftsWidth3\clwWidth3980 \cellx8789\pard \ql \li0\ri0\widctlpar\intbl\faauto\rin0\lin0 {\fs22 Mary G. Scott, Associate Director
\par Office of Student Financial Planning 
\par 
\par }{\fs24 \cell \cell }\pard \ql \li0\ri0\widctlpar\intbl\aspalpha\aspnum\faauto\adjustright\rin0\lin0 {\fs24 \trowd \trqc\trgaph120\trrh403\trleft-120\trkeep\trftsWidth1\trpaddl120\trpaddr120\trpaddfl3\trpaddfr3 
\clvertalt\cltxlrtb\clftsWidth3\clwWidth4929 \cellx4809\clvertalt\cltxlrtb\clftsWidth3\clwWidth3980 \cellx8789\row }\pard \ql \li0\ri0\widctlpar
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{\xe {\fs24 Some Closing Thoughts}}}{\fs24  }{\b\fs36 Some Closing Thoughts}{\b\fs23 
\par \tab 
\par }{\fs22 Hopefully, this guide has solved for you some of the mystery surrounding the financial aid process. If you need more help in \'93negotiating the maze,\'94 the staff in the MUSM Office of Student Financial Planning is ready and willing to help you.
}{\fs24 
\par 
\par }\pard \ql \li0\ri0\nowidctlpar\faauto\rin0\lin0\itap0 {\fs24  }{\b\fs36 \page }\pard \ql \li0\ri0\widctlpar
\tx-1080\tx-720\tx0\tx360\tx1440\tx2160\tx2880\tx3600\tx4320\tx5040\tx5490\tx5760\tx6480\tx7200\tx7920\tx8640\tx9360\tx10080\tx10800\faauto\rin0\lin0\itap0 {\b\fs36 Financial Aid Planning Calendar}{\pard\plain \ql \li0\ri0\widctlpar
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