Financial Information

All financial obligations to the University must be discharged before a student can graduate and obtain a degree. A student will not be considered to have registered in the University until all tuition and fees have been paid in full or deferred in accordance with the deferred payment plan outlined at the end of this section. Checks and money orders should be made payable to Case Western Reserve University and should show the name and social security number of the student for whom payment is made.

TUITION CHARGES

Students registered in all colleges and schools except dentistry, law, management, social work, and medicine will be charged tuition according to the following schedule for 2002-2003:

1 to 11 credit hours (credit or audit)

$938.00 per semester hour

12 or more credit hours (credit or audit) - undergraduate students, and 12 to 17 credit hours (credit or audit) - graduate students$11,250 per semester. More than 17 credit hours (credit or audit)$11,250 + $938 per semester hour in excess of 17 credit hours (graduate students only). The tuition rate for students enrolled in 18 hours of course 702 (2 semesters) will be $1,776 for 2002-2003.

Students enrolled in undergraduate courses for the summer semester will be charged at a rate, which is one-half of the previous semester’s per credit hour charge.

Registration in the fall or spring semester for more than 9 credit hours of dissertation research or more than a total 16 graduate credit hours requires special permission of the Dean of Graduate Studies. Such permission is also necessary for summer session registration in excess of 6 graduate credit hours.

Dentistry
Students registered in the School of Dentistry will be charged $30,735 for the 2002-2003 academic year, one-half of which is payable each semester. Dentistry students pay additional tuition for each summer clinic. For summer 2002, this amount is $1,750.

Medicine
The School of Medicine has implemented a fixed, four-year rate for each entering class effective with the 1997-98 academic year. The tuition rate for students entering in Fall 2002 is $35,000. Students who entered in Fall 2001 will be charged $33,735 in tuition. Students who entered in Fall 2000 will be charged $32,130 in tuition. Students who entered in fall 1999 will be charged $30,600 in tuition.

Management
Full-time students registered in the various masters programs of the Weatherhead School of Management will be charged $26,460 for the 2002-2003 academic year with a part-time rate of $1102.50 per credit hour and $12,250 for selected summer 2002 programs. Full time students enrolled for credit hours in excess of 20 during a semester will be assessed an additional $1102.50 per credit hour. Students in the Executive Master of Business Administration program are charged $31,000 for the academic year 2002-2003 and $7,250 for summer 2002. Students in the Executive Doctor of Management program will be charged $27,700 for the 2002-2003 academic year.

Law
In the School of Law, a continuing student pursuing a J.D. degree taking 10 credit hours or more will be charged $24,300 for the 2002-2003 academic year with a part time rate of $1013 per credit hour. Students entering the School of Law in Fall 2002 will be charged $25,900 for full time study (10 credit hours or more).

Mandel School
In the Mandel School of Applied Social Sciences, a student in the master’s program will be charged $10,920 for the 2002-2003 academic year with a part-time rate of $728. Full time students enrolled for credit hours in excess of 16 will be assessed an additional $728 per credit hour. Doctoral candidates will be charged $938.00 per credit hour to a maximum of $11,250 per semester for registrations of 12-17 credit hours. Students enrolled in the Mandel Center for Nonprofit Organizations will be charged $938.00 per credit hour to a maximum of $11,250 per semester for 12-17 credit hours. There are no activity fees.

SPECIAL FEES–NOT REFUNDABLE

Application Fees
Required with all applications for admission. This fee is payable at the time of filing the application. It is not refundable and no portion will be applied to tuition.

Applied Social Sciences: $25

Dentistry: $45

Graduate Studies: $25 (not required for non-degree students)

Law: $40

Management: $50

Medicine: $60

Nursing: $75 (N.D. & M.S.N.)

Health Service and Medical Insurance Fee: $437/semester

The University’s Medical Plan fee is automatically billed at the beginning of the fall semester and spring semester (spring semester coverage extends through the summer) to all students registered for one or more credit hours. The Medical Plan provides coverage for medical care not available at the University Health Service. Students registered for one or more credit hours are eligible to use the University Health Service regardless of their participation with the Medical Plan. Students who have alternate medical insurance may waive the University’s Medical Plan fee each semester by completing a waiver form, which is available at the University Health Service (216-368-2450). The deadline date for returning the completed waiver form is stated on the top of the waiver form. Remember, this fee is billed twice a year; therefore, a waiver must be completed twice a year. Completed waivers may be returned to Student Accounts Receivable in Yost Hall or to the University Health Service.

Late Registration Fee
Required of students who register after classes have begun: $25

Transcript Fee
There is a $5 fee assessed for each transcript request.

Student Activities Fee
Undergraduate: $90 per semester

Dentistry: $80 per semester

Graduate: $5 per semester

Law: $35 per semester

Nursing: $15 per semester (N.D. & M.S.N); $7.50 per semester (Ph.D.)

Medicine: $15 per semester

Co-op Fee
First time participants: $150

Subsequent placements: $75

Clinical Practice Fee
All nursing undergraduates are charged a clinical practice fee in the fall semester of each year. For the 2002-2003 academic year, the clinical practice fee is $150.

Laboratory Fee
Dentistry: $212.50 per semester

Graduation Fee
Doctor of Philosophy: $120

This fee for the doctorate includes the cost of microfilming the doctoral dissertation by University Microfilms, Ann Arbor, Michigan, which is a requirement for the degree.

In Absentia Fee
Paid by undergraduate degree candidates who are registered in an approved program at another institution: $500.

Junior Year Abroad
Undergraduates: $500.

Tuition Deposit
Mandel School of Applied Social Sciences: $100 (non-refundable)

Dentistry: $1,000 (non-refundable)

Nursing (NS, ND, NG): $200 (non-refundable)

Law: $150 spring deposit and $250 summer deposit (both non-refundable)

Management: $500 (non-refundable)

Undergraduate: $200 enrollment deposit (non-refundable)

Special Nursing Fees
Professional and personal liability insurance ($1,000,000 limit): $79-$158

FPB/NSNA insurance, N.D. students: $35 per year

OTHER EXPENSES (ESTIMATED)

Books, Supplies, and Equipment
Nursing–Level I: $1,510; Level II: $960; Levels III and IV: $880

Medicine–$1,000 year (students must also supply their own microscopes; contact School of Medicine for requirements)

Dentistry–first year: $8,895; second year: $5,100; third year: $2,395; fourth year: $2,080

Law: $980 per year

Management: $1130 for first year students; $980 for second year students

HOUSING AND MEALS (ON CAMPUS)

See "Office of Housing and Residence Life" in the Student Affairs section of this Bulletin.

PERSONAL PROPERTY INSURANCE

Students are responsible for their personal property while on campus. The University assumes no responsibility for loss of or damage to a student’s personal property, and the University insurance program does not cover such losses. Many "homeowner policies" purchased by a student’s family provide coverage for such perils as fire, water, and theft. If this coverage does not exist, the student may wish to consider the purchase of a separate policy.

POLICY FOR TUITION PAYMENT

Students enrolled in fall, spring, and summer terms for courses of full term length may arrange to pay bills for tuition and fees in two installments. At least one-half of the total bill must be paid at registration; the remainder must be paid by October 15 for the fall semester, March 15 for the spring semester, and July 15 for the summer session. Any remainder after the dates specified will be considered delinquent and will be assessed a late payment charge of 1.5% per month. Students registering as transient from another institution must pay the tuition and fees in full at the time of registration. Case Western Reserve University provides a Tuition Made E-Z Payment Plan. This ACH process will automatically debit a designated checking account on a monthly basis and apply the credits electronically to the student’s account. This process will eliminate the need for writing checks and the cost of postage. Information on this plan is available through the Office of Student Accounts Receivable at (216) 368-2226 or the Controller’s Office Website at www/cwru.edu/finadmin/controller/conthome.htm.

REFUNDS

It is the policy of Case Western Reserve University that a refund from a scholarship, a grant, a loan or other assistance will be issued only after all charges payable to the University for an entire semester have been satisfied. If the gift assistance and loans for a semester exceed the student’s charges for that semester, a refund will be issued during that semester. Since a refund cannot be processed until after the end of the late registration/drop/add period, there is a delay of approximately two weeks after the costs and aid are confirmed. Any student, who is anticipating a refund, should make provision to cover costs to be incurred prior to the issuance of the refund check. (Please note that any form of aid designated as Pending is not considered to be received until the pending designation is removed and the credit has been applied to the student’s account.)

COMPLETE WITHDRAWAL

A student who completely withdraws from a fall or spring semester must pay a percentage of the tuition charge. The percentage charged is based on the number of weeks classes have been in session at the time of withdrawal.

Week

Amount of Charge

1

0%

2-3

12%

4-5

25%

6-7

37%

8-10

50%

After 10th week

100%

There is no tuition refund after the tenth week of classes.

A student who completely withdraws from a summer session must likewise pay a percentage of the tuition charge. The amount is based on the number of weeks classes have been in session at the time of withdrawal.

Week

Amount of Charge

1

0%

2

14%

3

26%

4

39%

5-6

50%

After 6th week

100%

There is no tuition refund after the sixth week of classes.

The University will refund any tuition paid for a semester by any student in good standing who is inducted into the armed forces before the end of that semester and who does not receive credit for the work completed during that semester.

RETURN OF FEDERAL AND INSTITUTIONAL STUDENT AID FUNDS

This policy applies to students who withdraw or are dismissed and refunds for these students are determined according to the following policy:

1)

The term "Federal Student Aid Funds" refers to the Federal financial aid programs authorized under the Higher Education Act of 1965 (as amended) and includes the following programs unsubsidized FFEL Loans, subsidized FFEL Loans, unsubsidized Federal Direct Loans, subsidized Federal Direct Loans, Federal Perkins Loans, FFEL PLUS Loans, Federal Direct PLUS Loans, Federal Pell Grants, Federal Supplemental Educational Opportunity Grant.

2)

A student’s withdrawal date is the date the student began the institution’s withdrawal process by submitting a completed withdrawal form to the University Registrar. The form must be signed by representatives of all specified departments, including a representative of the Dean’s Office of the school of enrollment. Students who leave the University without official notification will be considered to have withdrawn as of the midpoint of the semester or the last date of attendance at an academically related activity as documented by the University.

3)

Refunds on tuition and room and board, if contracted with the University, will be prorated on a weekly basis based upon the University calendar up to the 60% point of the semester. There are no refunds after that time.

4)

Federal aid and institutional aid is earned in a prorated manner on a per diem basis based upon the University calendar up to the 60% point in the semester. Federal and all other aid is viewed as 100% earned after that date.

5)

In accordance with Federal regulations, when financial aid is involved, refunds are allocated in the following order:

Unsubsidized FEEL Loans, Subsidized FEEL Loans, Federal Perkins Loans, FFEL PLUS Loans, Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, other Title IV Federal assistance, other Federal sources of aid, other state, private, institutional aid, and the student.

 

6)

Any funds received in excess of the amount earned must be returned to the funding source. If the return of unearned Federal assistance causes any portion of the student’s tuition and other charges to be unpaid, the student will be billed by the University.

7)

Refunds and adjusted bills will be sent to the student’s home address following withdrawal.

PARTIAL WITHDRAWAL

A student who withdraws from a course or courses after the normal drop/add period without completely withdrawing from the university is not entitled to a tuition refund for the course or courses dropped. At the discretion of the dean of a school, a partial tuition refund may be authorized in cases in which unforeseen and unavoidable circumstances necessitate that a student withdraws from a course or courses, and the student does not wish to withdraw completely. Federal, state or institutional aid may be adjusted to reflect the adjusted tuition cost in accordance with federal, state and institutional rules, regulations and policies. These may require a minimum level of enrollment to receive any assistance from a specific program

Financial Assistance

An important consideration for nearly every student is how much higher education will cost and how much the student will be expected to provide toward that cost. Students should not assume that they will be unable to attend Case Western Reserve University for financial reasons. Each year more than half of the entering class receives financial assistance. Sources of support are many and varied. Students and parents are encouraged to investigate the financial aid opportunities at Case Western Reserve University. For undergraduate students, in addition to a comprehensive program of financial assistance based on a student’s demonstrated need, the University offers academic awards based solely on academic merit. Individual students may be eligible for the Financial Aid Program or the Academic Awards Program, or both. Scholarship and university - controlled grant support are restricted to tuition only, unless otherwise noted. An individual student may not receive gift assistance from university programs or scholarship funds in excess of full tuition.

Case Western Reserve University has established academic prizes to recognize the outstanding academic achievement of its students in the pursuit of their educational programs and objectives. These prizes are announced at honors assemblies at the conclusion of each academic year. In recognition of its commitment to scholarship and research excellence, Case Western Reserve University permits the first $500 of any academic prize received at the honors assemblies to be awarded to a student without affecting other University scholarship or grant assistance. In instances in which federal or state regulations would mandate a reduction in need-based assistance, financial aid and scholarship policy will result in a reduction of up to $500 in self-help assistance (loan and job), if possible, before any grant or scholarship assistance will be adjusted.

For graduate and professional students, in addition to extensive loan assistance and in some cases opportunities for employment, a number of schools and departments offer assistantships and/or grant and scholarship aid. Financial aid information may be found on-line at http//finaid.cwru.edu/. Information regarding application procedures, eligibility criteria, financial aid definitions, University scholarships and grants, student employment, and the Tuition Stabilization Plan is currently available. The University’s Financial Aid home page has direct links to other financial aid Web pages that provide current financial aid publications. Prospective and current students can search for external scholarships by connecting to the fastWEB free scholarship search home page. Students may direct specific questions to the University Office of Financial Aid using the "Ask the Financial Aid Counselor" link. One of the counselors will respond via the Internet.

FINANCIAL AID POLICY

A student at Case Western Reserve University may receive assistance for academic excellence, financial need, or both. Academic excellence is recognized by the Academic Awards Program and other scholarship programs of the undergraduate colleges and by various assistantships, fellowships, scholarships, and other awards of individual departments in the School of Graduate Studies and several of the professional schools. A student who wishes to apply for financial assistance based on merit should contact the admissions office of the appropriate college or school.

The term "financial aid" refers to assistance awarded to meet demonstrated financial need. The University’s policy regarding the determination of financial need and the awarding of financial aid is presented below. This policy is administered by the University Office of Financial Aid (except for the School of Medicine).

NEED-BASED AID POLICY

Case Western Reserve University assumes that a student’s family will make available from its income and assets a reasonable contribution toward the cost of attending the University. The University will assist a family to make up the difference between the family’s contribution and the cost of attendance. In its effort to employ an equitable method of evaluating requests for financial assistance, the University requires that all new undergraduate students complete the Free Application for Federal Student Aid (FAFSA) and the supplemental Financial Aid Profile Form of the College Scholarship Service, which together provide the University with an objective means of determining a reasonable educational contribution. All continuing undergraduate students are requested to submit the FAFSA to the processing center and send other documents directly to the Office of University Financial Aid for use in determining eligibility and the amount of financial aid to be awarded. Graduate and professional students are required to complete the FAFSA and submit the other documents directly to the Office of University Financial Aid.

The analysis of the application documents considers the family’s annual income and accumulated assets, with allowances for family size, the number of dependent family members attending postsecondary educational institutions, retirement needs, and other factors. A determination is also made of the amount a student may be expected reasonably to contribute toward college expenses from savings and employment. Financial need is computed by subtracting the student and parental contributions from the cost of attendance, also called student’s budget. This budget includes the actual cost of tuition and fees, an allowance for housing and meals, books and supplies, miscellaneous personal and incidental expenses, and transportation. An undergraduate student’s financial aid award consists generally of three basic types of financial assistance non-repayable gift or grant assistance, repayable loans, and student employment during the school year. A graduate or professional student’s financial aid award is primarily in the form of loan assistance, although other types of aid may be awarded. Most gift assistance is in the form of assistantships, fellowships, or scholarships. Case Western Reserve University adheres to the principle that a student’s need-based financial assistance may not exceed demonstrated financial need.

Because financial aid is initially awarded without regard to any other aid a student may receive from other sources (University or non-University), a student’s financial aid may be adjusted if additional assistance is received. It is the obligation of each financial aid recipient to report the amount, terms, and sources of other assistance not included in the University’s financial aid award. This includes any work, loan, or gift assistance not incorporated in the financial aid package. Any significant change in the family’s financial circumstances (an increase or decrease of $300 or more in income or assets) should be reported to the Office of Financial Aid. The amount of an individual’s financial aid will vary from year to year as the individual’s financial need varies. The determination of eligibility for financial aid is usually based on the prior calendar year’s income. Normally, financial aid is awarded with the expectation that it will be renewed each year upon reapplication on the basis of funds available, continued demonstrated financial need, and satisfactory academic performance and conduct. Each applicant will be considered for all programs of financial assistance for which he or she is eligible.

In most cases, students who are classified as independent are not required to provide information on their parents’ finances. For purposes of receiving financial aid, a student is considered independent who is:

1.

24 years of age or older by December 31 of the year for which aid is requested; or

2.

An orphan or ward of the court at age 18; or

3.

A veteran; or

4.

Married; or

5.

A graduate or professional student; or

6.

Not married but with legal dependents.

Even though a student is classified as independent, the Office of Financial Aid may make an objective determination of the total resources available to the student from all sources, including parents.

APPLICATION PROCEDURES

Undergraduate Students
The Free Application For Federal Student Aid (all students) and the Profile Form of the College Scholarship Service (new undergraduate students only), available at the applicant’s secondary school or from the Office of University Financial Aid, should be submitted to the Federal Processor and College Scholarship Service respectively. Return address envelopes are included in each application packet. Applications may be completed on-line at www.fafsa.ed.gov for the Free Application For Federal Student Aid and www.collegeboard.com for the Profile. Submission of these forms by February 1 is strongly recommended because it takes approximately four weeks to analyze and forward the information to the University. Case Western Reserve University’s school code for the Profile is 1105. The Federal code for the FAFSA is 003137 for all undergraduates. Case Western Reserve University also requires as part of the application for financial aid a signed photocopy of the parents’ Internal Revenue Service Form 1040, including all schedules and W-2 forms, for the latest calendar year. The student’s name, Social Security number, and the college in which the student will be enrolled should be printed clearly at the top of the form. The IRS form should be sent directly to:

University Office of Financial Aid
Case Western Reserve University
Yost Hall, Room 417A
10900 Euclid Avenue
Cleveland, Ohio 44106-7049
Fax (216) 368-5054

If the student filed a federal tax return for the previous year, a signed copy, along with all W-2 forms from employers, must be submitted to the University Office of Financial Aid. If the student did not file a tax return, a Student Statement of Income must be completed and submitted to the University Office of Financial Aid. This form is available from the University Office of Financial Aid. In addition, all sophomore, junior, and senior applicants must obtain and complete a Case Western Reserve University Financial Aid Application. This form should be returned directly to the Office of University Financial Aid.

Transfer students are evaluated for all sources of financial aid. Transfer students must submit the Free Application For Federal Student Aid, the Profile Form, and IRS forms as noted above. In addition, transfer students must complete a Case Western Reserve University Application for Financial Aid. Undergraduate students admitted to either the Integrated Graduate Studies or the Bachelor of Science/Master of Science program must include a memorandum of departmental financial support with their annual application. To maintain continued eligibility for undergraduate aid, the student must register for a 12-credit-hour, full-time undergraduate course load and meet all other requirements of undergraduate aid awards. Undergraduate financial aid eligibility including federal, state, and institutional gift assistance normally terminates after ten semesters of enrollment, regardless of degree completion.

Students selected for Verification by the Federal Processor or the Office of Financial Aid will be sent a Verification Form by the University. Applicants should respond promptly to the request for completion of the Verification Form because Federal regulations prevent the disbursement of any Federal funds until the verification process has been completed.

For more information about application procedures, request the booklet "Undergraduate Financial Aid and Scholarships" from:

University Office of Financial Aid
Case Western Reserve University
Yost Hall, Room 417A
10900 Euclid Avenue
Cleveland, Ohio 44106-7049

Graduate and Professional Students
Following is a summary of procedures for applying for need-based assistance by school. For more detailed and specific information, request the booklet "Financing Graduate and Professional Education at Case Western Reserve University" from:

University Office of Financial Aid
Case Western Reserve University
Yost Hall, Room 417A
10900 Euclid Avenue
Cleveland, Ohio 44106-7049

Students in the School of Medicine should contact the Financial Aid Office in the School of Medicine.

In most instances it is the policy of the University Office of Financial Aid to meet the first $8,500 of financial need with a Stafford Loan. All financial aid application forms are available from the admission offices of the various schools or the University Office of Financial Aid. Some schools may have specific application forms for institutional funds. Check with the Admissions Office of the graduate/professional school for information on the application procedures and forms. (Students of the School of Medicine should obtain all application forms from the School of Medicine’s Financial Aid Office.)

Each student in or applying to a dual-degree program must request and provide the University Office of Financial Aid with a memorandum detailing financial support that the student will receive from each school involved in the dual-degree program.

Mandel School of Applied Social Sciences
First-year students or first-time financial aid applicants must submit:

1.

A Free Application for Federal Student Aid (FAFSA) Federal Code E00084

2.

To the University Office of Financial Aid:

a.

A Case Western Reserve Financial Aid Application.

b.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

c.

A memorandum from the Mandel School of Applied Social Sciences specifying the amount and types of aid, if any, the student will be receiving from the School.

Continuing students must submit:

1.

A Free Application for Federal Student Aid (FAFSA) Federal Code E00084

2.

To the University Office of Financial Aid:

a.

A Case Western Reserve Application for Financial Aid.

b.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

c.

A memorandum from the Mandel School of Applied Social Sciences specifying the amount and types of aid, if any, the student will be receiving from the School.

School of Dentistry
All financial aid applicants must submit:

1.

New and continuing students: A Free Application for Federal Student Aid (FAFSA) Federal Code E00078.

2.

To the University Office of Financial Aid:

a.

A Case Western Reserve Application for Financial Aid.

b.

A signed copy of the parents’ prior year federal income tax return and W-2 forms.

c.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

d.

A financial aid transcript from any previous U.S. dental school attended (transfer students and applicants to the graduate master’s programs only).

SCHOOL OF GRADUATE STUDIES

New and continuing students must submit a Free Application for Federal Student Aid (FAFSA) Federal Codes E00680-Engineering Students; E00681-Arts & Science Students.

All applicants for financial aid, other than that awarded by the department, must submit to the Office of Financial Aid:

a.

A Case Western Reserve Application for Financial Aid.

b.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

c.

A memorandum from the student’s department or program specifying the amount and type of aid, if any, the student will be receiving from the department/program for each period of enrollment during the academic year, and the number of credit hours to be taken during each term.

School of Law
All applicants for financial aid must submit:

1.

New and continuing students: A Free Application for Federal Student Aid (FAFSA) Federal Code E00082.

2.

To the University Office of Financial Aid:

a.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

b.

A Case Western Reserve Application for Financial Aid.

c.

A memorandum from the School of Law to the University Office of Financial Aid will be submitted on behalf of each student, indicating the amount and kind of assistance, if any, the student will receive from the School of Law.

Weatherhead School of Management
All financial aid applicants must submit the following documents:

1.

New and continuing students: A Free Application for Federal Student Aid (FAFSA) Federal Code E00080

2.

To the Office of University Financial Aid:

a.

A Case Western Reserve Financial Aid Application form.

b.

A signed copy of the student’s (and, where appropriate, the student’s spouse’s) prior year federal income tax return and W-2 forms. If a tax return was not filed, a Student/Spouse Statement of Income is necessary.

c.

A memorandum from the Weatherhead School of Management specifying the amount and types of aid, if any, the student will receive from the school.

School of Medicine
All financial aid applicants must submit a Free Application for Federal Student Aid (FAFSA) Federal Code E00079 and complete the electronic Need Access application provided by the Access Group.

Other required documentation should be sent directly to the School of Medicine.

Frances Payne Bolton School of Nursing

Graduate Programs
The following procedures must be observed for all Doctor of Nursing (N.D.), M.S.N., and Ph.D. students seeking financial aid based on need

1.

All new and continuing students must submit a Free Application for Federal Student Aid (FAFSA) Federal Code E00083.

2.

Some new students may be required to submit a Financial Aid Transcript from the college or university previously attended. The transcripts are to be sent to the University Office of Financial Aid at Case Western Reserve University.

3.

All new and continuing students must submit to the University Office of Financial Aid:

a.

a Case Western Reserve Financial Aid Application;

b.

a signed or certified copy of the student’s and spouse’s (if applicable) prior year federal income tax return and W-2 forms. If a tax return was not filed, a completed Student/Spouse Statement of Income;

4.

For all students the School of Nursing must submit to the University Office of Financial Aid a Memo of Assistance indicating the number of credits the student will be taking during each period of enrollment during the academic year, and the amount and kind of assistance awarded for each term.

Mandel Center for Nonprofit Organizations
Students applying for scholarships must apply directly to the Mandel Center. One application is sufficient to apply for any scholarship available. The following procedure applies to those students who wish to borrow through the educational loan programs, in addition to any scholarship(s) received. Students must be enrolled at least halftime to qualify for Federal educational loans.

All financial aid applicants must submit

1.

New and continuing students: A Free Application for Federal Student Aid (FAFSA) Federal Code E00080

2.

To the University Office of Financial Aid

a.

a Case Western Reserve Application for Financial Aid.

b.

a signed or certified copy of the student’s and spouse’s (where applicable) prior year federal income tax return and W-2 forms; if a tax return was not filed, a completed Student/Spouse Statement of Income.

c.

a memorandum from the Mandel Center for Nonprofit Organizations specifying the amount and types of aid, if any, the student will receive from the school.

Types of Aid

Gift and Scholarship Aid

AID AVAILABLE TO UNDERGRADUATE, GRADUATE, AND PROFESSIONAL STUDENTS

Ukrainian Student Assistance Fund Scholarship
Available to students in the Case School of Engineering, the College of Arts and Sciences, the School of Graduate Studies, and each of the professional schools, this scholarship stipulates that the applicant must be a full-time student in good standing, must demonstrate financial need, and normally must have at least one parent or grandparent who was born in the Ukraine. The student must be a U.S. Citizen or Permanent Resident and must be otherwise eligible for need-based financial assistance.

UNDERGRADUATE AID RELATED TO ACADEMIC ACHIEVEMENT OR POTENTIAL, AWARDED BY CASE WESTERN RESERVE UNIVERSITY

(Follow the application procedures indicated above, unless otherwise indicated.)

Academic Awards Program
The following academic awards, honoring distinguished faculty, alumni, and benefactors of the University, are offered to qualified applicants for admission as freshmen. Transfer students are ineligible. These awards are renewable for each of the four years of undergraduate study, provided high academic achievement is maintained.

Three full-tuition Albert W. Smith Scholarships for freshmen accepted in engineering, science, or mathematics.

Two full-tuition Treuhaft Scholarships for freshmen accepted in engineering, science, or mathematics.

Up to five $3,000 Materials Science and Engineering Scholarships for entering freshmen who are interested in majoring in materials science and engineering.

Four full-tuition Andrew Squire Scholarships for freshmen accepted in the arts, humanities, natural sciences, social and behavioral sciences, management and accountancy.

Two full-tuition Adelbert Alumni Scholarships for freshmen accepted in the arts, humanities, natural sciences, social and behavioral sciences, management and accountancy.

One $16,000 Curtis Lee Smith Scholarship every four years for a freshman accepted in the arts, humanities, natural sciences, social and behavioral sciences, management and accountancy.

One $16,000 Elizabeth Walker Scholarship every four years for a freshman accepted in the arts, humanities, natural sciences, social and behavioral sciences, management and accountancy.

A Trustee’s Scholarship for freshmen entering the College of Arts and Sciences or the Case School of Engineering who rank in the top 10% of their high school graduating class and have composite SAT scores of at least 1500, or a composite ACT score of at least 35. (Value for freshmen entering in 2002 is $21,000.) The University may establish annual limits on the number of Trustee’s Scholarships to be offered.

A President’s Scholarship for freshmen entering the College of Arts and Sciences or the Case School of Engineering who rank in the top 10% of their high school graduating class and have composite SAT scores of at least 1400, or a composite ACT score of at least 33. (Value for freshmen entering in 2002 is $16,000.) The University may establish annual limits on the number of President’s Scholarships to be offered.

A Provost’s Scholarship for freshmen entering the College of Arts and Sciences or the Case School of Engineering who rank in the top 15% of their high school graduating class and have composite SAT scores of at least 1300, or a composite ACT score of at least 31. (Value for freshmen entering in 2000 is $11,000.) The University may establish annual limits on the number of Provost’s Scholarships to be offered.

Up to 16 Provost’s Special Scholarships for freshmen entering the College of Arts and Sciences or the Case School of Engineering who demonstrate superior academic performance (rank in the top 15% of high school graduating class and have composite SAT scores of at least 1,200 or composite ACT scores of at least 28), and who have encountered economic or educational obstacles that affected their college preparation. Applicants from inner city and remote rural schools, including Indian Reservations, and members of underrepresented minority groups are encouraged to apply. Students with special talents and significant extracurricular and community activities are encouraged to apply as well. (Value for freshmen entering in 2002 is $13,500.)

The dollar value of the Trustee’s, President’s, and Provost’s Scholarships each year will be the prevailing dollar value of the scholarship at year of entry at the University minus the value of any gift assistance from a state entity designed to offset the tuition difference between private and publicly assisted colleges in that state. The Ohio Student Choice Grant is an example of such a grant.

Renewal of Trustee’s, President’s, and Provost’s Scholarships
Scholarships are renewable for each year of undergraduate study provided that the student meets the renewal criteria established for the student’s class. A student may receive scholarship assistance for no more than eight (8) semesters of continuous undergraduate course work or until the student completes the number of continuous semesters of full-time undergraduate course work to receive a degree, whichever is less.

Student records are reviewed at the end of each academic year for renewal of scholarship assistance regardless of the number of semesters for which the student was enrolled during the academic year. The student must meet both a qualitative and quantitative standard for scholarship renewal.

The minimum standards for continuation are:

a)

Cumulative hours earned after matriculation at Case Western Reserve (not including AP/IB/transfer or Pre-College Scholar credit earned prior to matriculation at the University)

At end of first year

21 semester hours

At end of the second year

54 semester hours*

At end of the third year

84 semester hours*

*For students participating in an approved off-campus program (Cooperative Education, Practicum, Junior Year Abroad, or Washington Semester) an adjustment is made in the number of hours expected.

b)

A cumulative scholarship grade point average of 1.75 at the end of the first year, and a cumulative scholarship grade point average of 3.00 thereafter.**

**Scholarship Grade Point Average: No courses are eliminated from a student’s record for the purpose of calculating the "Scholarship G.P.A." The "Scholarship G.P.A." is the student’s cumulative G.P.A.; unless the student has used the Repeat Option or has earned any F grades in the freshman year that do not appear on the official transcript. If a scholarship recipient has used the Repeat Option for any course or has earned any F grades that do not appear on the official transcript, the original grades will be included in the computation of the cumulative grade average for the purpose of determining eligibility for scholarship continuation.

If a scholarship recipient’s achievement falls below the standard, or the student does not enroll at Case Western Reserve University in a semester for which the scholarship recipient would receive the scholarship, the scholarship is terminated.

Students should consult the Handbook for Undergraduate Students for complete details regarding the renewal of the scholarships.

Ohio Leadership Awards Program
Minimum of twelve awards of up to $5,000 to freshmen admitted to the undergraduate colleges. Academic and leadership qualities required. Selection is on basis of nomination by high school teacher and interview.

Cleveland Plain Dealer Scholarship Program
The Cleveland Plain Dealer Scholarship Program provides two $1,000 scholarships to incoming freshmen who intend to concentrate in business management or print journalism, and are residents of Northeast Ohio. They must have demonstrated high academic achievement in their high school record and be determined by the Office of Financial Aid to have financial need. Scholarship availability is contingent upon annual funding levels. Interested students should contact the Office of University Financial Aid.

Creative Achievement Awards Program
Three scholarships for entering freshmen who demonstrate outstanding creative ability and achievement in the arts. Each applicant is required to submit a portfolio of original work. An on-campus interview is required. The scholarship is valued at $11,000 for students entering in 2002.

Minority Scholars Program
A special program of academic preparation, career counseling, internships, and mentoring is offered for selected minority students. Program participants may qualify for special financial assistance designated for low income or disadvantaged students. To apply, a student must identify himself or herself as an underrepresented minority to the Office of Undergraduate Admission. Minorities who are underrepresented in higher education include Native Americans, African Americans, Mexican Americans, Puerto Ricans, Native Alaskans, and Native Pacific Islanders.

National Merit Scholarships
Case Western Reserve University sponsors at least 25 four-year scholarships for National Merit Scholarship Corporation finalists who have listed Case Western Reserve University as their first-choice institution. Scholarships range from $500 to $2,000 per year.

Case School of Engineering Alumni Association Scholarships
The Case School of Engineering Alumni Association provides scholarship assistance to selected juniors and seniors who have demonstrated outstanding academic achievement and participation in extracurricular activities.

Alden Undergraduate Fellowship in Systems Engineering
Several scholarships of varying amounts are offered for the junior and senior years to students in Case School of Engineering who have declared a major in systems engineering. Contact the Department for further details.

James Dysart Magee Scholarships
Two or more scholarships are awarded annually to seniors in the Integrated Graduate Studies programs in economics and the social and behavioral sciences.

Trustee’s, President’s, and Provost’s Scholarships for Upperclassmen
The President has authorized the awarding of a limited number of scholarships to upper-class students beginning in the fall 2002. Recipients will be chosen from students not previously receiving these or similar scholarships. All first, second, and third year students will be eligible for consideration during the 2002-2003 and 2003-2004 academic years provided that the student has achieved a minimum 3.75 cumulative grade point average at the University and has earned at least 30, 60, or 90 credit hours respectively at Case Western Reserve after the freshman, sophomore, or junior year of study. AP credit and Transfer Credit will not be considered. Recipients will be selected from eligible applicants who have attained a record of achievement, participation, and leadership at Case Western Reserve University that distinguishes them from their peers. Recipients will be selected by the Committee on Academic Standing. Beginning in the 2004-2005 academic year, scholarships will be available to students only upon completion of their first year at Case Western Reserve.

The following scholarships will be available beginning in the 2002-2003 academic year:

One Trustee’s Scholarship

Two President’s Scholarships

Four Provost’s Scholarships

Students may obtain an application after February 15th in the Office of Undergraduate Studies or the Office of University Financial Aid. Applicants must submit the completed application and a letter of recommendation from a faculty member by April 15th to the Office of Undergraduate Studies.

The scholarships are renewable through the fourth year of undergraduate study or completion of the undergraduate degree, whichever comes first. A student must achieve a cumulative 3.0 grade point average, full time undergraduate status, and earn at least thirty additional credit hours during each subsequent year to retain the scholarship.

UNDERGRADUATE AID BASED ON FINANCIAL NEED AND CONTINGENT UPON SATISFACTORY ACADEMIC PROGRESS, AWARDED BY CASE WESTERN RESERVE UNIVERSITY

(Follow the application procedures outlined above, unless otherwise indicated.)

Grants-in-Aid from the Schools
Grants-in-aid comprise non-repayable gift assistance which vary according to the amount of unmet financial need but which may not exceed tuition.

Federal Supplemental Educational Opportunity Grants (FSEOG)
Students with financial need may receive a Federal Supplemental Educational Opportunity Grant. The FSEOG is awarded to students with great financial need who would be unable to attend the University without this grant. Grants may range from $200 to $4,000 per year.

UNDERGRADUATE AID AWARDED OUTSIDE CASE WESTERN RESERVE UNIVERSITY

Federal Pell Grant
The Federal Pell Grant program is a Federal grant program through which a student can receive a maximum of $4,000 (for 2002-2003). The student must apply for the Federal Pell Grant by completing the Free Application for Federal Student Aid (FAFSA). Within four to six weeks of filing, the student will receive a Student Aid Report, and the Office of University Financial Aid will receive the results electronically. The amount of Federal Pell Grant the student is eligible to receive will be determined according to Federal payment tables that are updated annually. The U.S. Department of Education requires that eligibility for a Federal Pell Grant be determined before any other Federal aid can be awarded.

Ohio Instructional Grant (OIG)
Ohio residents who will be enrolled as undergraduate students at an eligible Ohio or Pennsylvania college or university may apply for an Ohio Instructional Grant. Application is made through completion of the Free Application for Federal Student Aid (FAFSA). The student will receive an Award Certificate or letter of denial by return mail, and the Office of University Financial Aid will receive a roster of eligible students.

Ohio Student Choice Grant
All full-time undergraduate students who are residents of Ohio and were not full-time students at a college or university on or prior to July 1, 1984, are eligible to receive this grant. For 2002-2003 the amount is $1038.

Ohio Academic Scholarship Program
The State of Ohio has established the Ohio Academic Scholarship Program, through which 1,000 scholarships of $2,205 each are offered each year. Each high school in the State of Ohio is guaranteed at least one Ohio Scholarship each year. The scholarships are renewable for each of four consecutive years of undergraduate or graduate study, beginning with the freshman year, provided that satisfactory academic progress toward a degree is maintained. Individual applications to the State of Ohio are submitted through the student’s high school. The high school record and composite score on the American College Test (ACT) will be used to select the winners of the scholarships. Students should see their high school guidance counselors for additional information.

War Orphans Scholarship Program
The State of Ohio provides scholarship assistance to children of veterans who were killed in action during times of war, who received a service-connected disability of at least 60 percent, or who are totally disabled. The veteran must have entered the service as a resident of Ohio. The scholarship provides a sum of money equal to the average of tuition and fees of state-assisted institutions to students who attend eligible private institutions in the state of Ohio. Students should contact the Student Assistance Office of the Ohio Board of Regents for further details.

Other State Scholarship and Grant Programs
The states of Delaware, Maryland, Michigan, Pennsylvania, Rhode Island, and Vermont have state scholarship or grant programs for residents. The recipients of these state scholarship or grant programs may use this assistance at any eligible college or university. Students should contact their high school guidance directors or the appropriate state agency for further information.

ROTC
U.S. Army and Air Force Scholarships are available on a competitive basis. The scholarships pay a portion or all of the recipient’s tuition, laboratory, textbook, and incidental fees. Recipients also receive a tax-free stipend ranging from $250 to $400 on a monthly basis during the academic year. Students compete for three or four year scholarships. Case Western Reserve University provides matching grants to assist with tuition for up to ten new students each year.

Other Grants and Scholarships
Many students receive grants or scholarships from companies, community organizations, ethnic or religious groups, or fraternal organizations. Students are encouraged to seek such outside assistance. It is a condition of receiving financial assistance from the University that the student notify the University Office of Financial Aid of all assistance received from outside the University, whether paid directly to the University or to the student.

MANDEL SCHOOL OF APPLIED SOCIAL SCIENCES

Direct Mandel SASS Grants
Grants are awarded to students in varying amounts, as determined by financial need and academic merit. These grants are renewable provided the recipient meets eligibility requirements and availability of funds.

Scholarships
Alumni Scholarships in varying amounts are awarded to one or more second-year students based on outstanding performance and financial need. Two Full Time Full Tuition Scholarships are awarded annually. Two Intensive Semester Half Tuition Scholarships are awarded annually. Three International Student Scholarships are awarded annually.

SCHOOL OF DENTISTRY

Alumni Scholarships
The School of Dentistry, with the support of the Alumni Association, awards a number of four-year partial tuition scholarships to entering students of outstanding achievement and potential.

American Dental Association (ADA) Endowment and Assistance Fund
The ADA provides competitive scholarships to second year Dental students. Selection criteria includeU.S. citizenship; demonstrated need of at least $2,500; cumulative grade point average of 3.0 on a 4.0 scale. Applications are available through the School of Dentistry. The application deadline is June 15.

American Dental Association (ADA) Endowment Fund Minority Dental Student Scholarship Program
The ADA offers scholarships for second year minority Dental students.

Selection criteria include demonstration of financial need and cumulative grade point average of 2.5 on a 4.0 scale. Applications and information are available through the School of Dentistry.

Armed Services Scholarship Program
The Army, Navy, and Air Force permit selected students to be commissioned as officers in their programs. Terms and conditions of each branch scholarship program are available from the Health Professions recruiter for the specific branch of service.

Other Financial Assistance
There are several loan programs, both public and private, which offer educational assistance to supplement Federal and university loans. Among the programs currently available for Dentistry are Dental Access, Medfunds, AADS DEAL, and Sallie Mae Signature Loan. Further information and application forms are available from the Office of University Financial Aid or the Financial Aid Advisor in the School of Dentistry.

It is suggested that applicants check with local fraternal and community organizations and with their local dental societies.

SCHOOL OF GRADUATE STUDIES

Fellowships, Traineeships, Assistantships, and Awards
The University has approximately 1,000 competitive awards for the support of full-time study in the School of Graduate Studies. These include a variety of fellowships, traineeships, and assistantships, and are assigned through most of the departments offering graduate degree programs. Most awards are granted for study beginning in the fall semester. New students are eligible for award consideration at the time they apply for admission. The general deadline for completed applications for admission with financial aid consideration is March 1 for the following semester.

Other Resources
The Office of Research Administration has access to a terminal-based data system (SPIN) that can provide information on a variety of additional public and private sources for financial assistance.

SCHOOL OF LAW

Law School Scholarships
Each year 10 full-tuition scholarships are awarded to entering students on the basis of merit. The scholarship is renewable provided the recipient maintains the requisite grade point average. Funds for these scholarships are provided from the generous support of alumni and friends of the law school. Other scholarships are awarded in varying amounts up to full-tuition, depending upon academic performance and availability of funds.

WEATHERHEAD SCHOOL OF MANAGEMENT

In addition to participating in Federal financial aid programs, the Weatherhead School of Management sponsors its own programs of financial assistance for qualified M.B.A. and M.Acct. students. The Weatherhead School programs include scholarships, grants, and loans. All requests for financial aid should be submitted no later than April 1. Because the availability of financial aid is limited, students are encouraged to apply as early as possible for such aid. Decisions concerning admission and financial aid are made independently of one another. Applying for financial aid will neither help nor hinder an applicant’s chances for admission.

To apply for any of the Weatherhead Scholarships, check the appropriate space on the application for admission. Scholarship decisions are made on a rolling basis until funds are exhausted.

Scholarships
The Weatherhead School awards a limited number of scholarships each year to entering full-time M.B.A. and M.Acct. students. Primary consideration is given to students who have demonstrated a high level of academic achievement in undergraduate studies in conjunction with outstanding scores on the GMAT. Relevant work experience is also evaluated in the award decision. Special fellowships and scholarships are awarded to full-time M.B.A. candidates who add to the diversity of the student body. The Weatherhead Alumni Association awards an annual full-tuition scholarship to an outstanding full- time M.B.A. candidate, with a minimum of two years’ work experience. The student must demonstrate outstanding academic achievement and GMAT test results. Internships, extracurricular activities, community service, and the application essay will also be considered in determining management and leadership potential.

SCHOOL OF MEDICINE

Scholarship Funds
It is the policy of the School of Medicine to use its limited scholarship funds to assist those students whose financial needs are so great that, if they were all met by loans, the burden of indebtedness would be extreme. No scholarships are granted merely because of academic excellence to students whose personal and family resources are adequate to meet the costs of a medical education. Minority group students selected for admission to the medical school are eligible to apply for aid from:

National Medical Fellowships, Inc.
110 West 32nd St.
New York, NY 10001-3205

It is desirable for eligible students (African-Americans,Mexican-Americans, mainland Puerto Ricans, and Native Americans) to initiate such applications promptly after they are accepted.

Fellowships
Many students seek opportunities to devote vacation months to intensive study of some subject in which they have become interested. Summer research fellowships are made available to students to enable them to engage in such investigations under the supervision of a faculty sponsor. The present policy is to provide, insofar as possible, a stipend of $1,200, with the requirement that the student devote a minimum of two months of full-time effort to the project. Support for the vacation research fellowship program comes from many sources.

Federal Scholarship Programs
Branches of the military service and the National Health Service Corps offer scholarship benefits to recipients including tuition, fees, and a stipend. Participants are obligated for a full year of service for each year of benefits with a minimum obligation of two years. Further information about these programs may be obtained from the local recruiting office of the armed forces or through the financial aid officer of the medical school.

FRANCES PAYNE BOLTON SCHOOL OF NURSING

Doctorate of Nursing (N.D.)
Grants-in-Aid are awarded to full-time students in the N.D. program who demonstrate financial need and maintain satisfactory academic progress. Some of these are from endowments but the majority are contributions from alumni of the School.

The Ohio League for Nursing (OLN) provides a scholarship and loan program for full-time students who are pursuing the first Nursing degree (B.S.N. or N.D.) who are residents of Cuyahoga, Geauga, Lake, Lorain, Medina, Portage, or Summit Counties in Ohio. For information write to:

Ohio League for Nursing, Greater Cleveland Area
2800 Euclid Avenue, Suite 235
Cleveland, Ohio 44115

M.S.N. and Ph.D. Students
The following grants and scholarships are available through the School of Nursing:

Professional Nurse Traineeships are Federal traineeships designed for full-time graduate students preparing for teaching, administration, or specialization in a particular field of nursing practice. Students must be enrolled full-time both fall and spring semesters to qualify. Students entering in the spring will qualify if they commit to full-time enrollment thereafter. Professional Nurse Traineeships may be used for master’s study for up to 18 months. The current level of funding pays for approximately 1 to 1 1/2 credit hours per semester.

National Research Service Awards for Individual Predoctoral Nurse Fellowships are awarded under the authority of the Public Health Service Act to nurses for predoctoral training in specified areas of nursing. These awards are made to individuals selected in national competition. Applicants must be enrolled for study leading to the Ph.D. in nursing and be sponsored by faculty of the School of Nursing.

Research and/or teaching graduate fellowships/assistantships may be available to full-time students who are Registered Nurses based on academic merit and prior relevant academic and/or work experience. A fellowship/assistantship carries a remission of tuition for 9 hours each semester plus a monthly stipend competitive with those at other major private universities in exchange for 17-1/2 hours of work a week by the student. To apply for a fellowship/assistantship, check the appropriate space on the School of Nursing’s application form.

Loan Assistance

LOANS AWARDED BY CASE WESTERN RESERVE UNIVERSITY OFFICE OF FINANCIAL AID

These loans are awarded on the basis of financial need. A loan will probably be a part of a package awarded in response to an application for financial assistance.

Federal Perkins Loan
Perkins Loans enable students to borrow up to $40,000 through graduate school (up to $20,000 as an undergraduate). Repayment begins six months after graduation or after the student ceases enrollment on at least a half-time basis. To be eligible a student must be a citizen of the United States or have a permanent resident visa, be at least a half-time student making satisfactory progress toward a degree, and establish financial need for the loan. The Federal Perkins Loan may be awarded to undergraduate students and graduate and professional students in all programs except the School of Medicine.

Health Profession Student Loans (HPSL)
Awarded to students in the School of Dentistry and School of Medicine who demonstrate financial need, HPSL is a federal loan that enables eligible students to borrow at 5 percent simple interest, with repayment made over a 10-year period. Parental information must be provided by all students wishing consideration for these funds.

Federal Nursing Loan Program
Only N.D. and M.S.N. students in the School of Nursing are being awarded the limited federal loans provided under the Nursing Student Loan Program. They may receive up to $4,000 per year, depending upon financial need and availability of funds. Interest is 5%, and repayment begins when the student completes the program or ceases to be enrolled at least half time.

University Loans
A university loan is a low-interest long-term loan provided to a student to assist with educational expenses. Repayment is made over a ten-year period after graduation or over a ten-year period after the student ceases enrollment on at least a half-time basis. Interest is 8%.

a) Undergraduate
Forty-eight loan funds have been established for undergraduate students. Loans are awarded by the Office of Financial Aid on the basis of need.

b) Graduate and Professional
The Mandel School of Applied Social Sciences has a small amount of loan money available to meet financial need after Federal loan availability has been exhausted. These loans are awarded by the University Office of Financial Aid.

A number of loan funds have been established for students in the School of Dentistry. Loans from these funds are awarded only to meet cases of exceptional need that cannot be met by other funding, and some of these funds are restricted to certain classes and categories of students.

The School of Law provides low-interest, long-term loans to students with unmet need who have exhausted all other available assistance.

The Weatherhead School of Management has loan funds for M.B.A. students who demonstrate financial need.

Loans are available to students in the School of Medicine from funds given to the School of Medicine for that purpose. The Medical Alumni Association Rotating Loan Fund, augmented each year by contributions from graduates of the school, is a major source of aid for currently enrolled students.

The Frances Payne Bolton School of Nursing has several loans funds available to assist students with exceptional financial need as determined by the Office of Financial Aid.

LOANS AWARDED BY AGENCIES OUTSIDE THE UNIVERSITY

The following loans are available to all undergraduate, graduate, and professional students who are enrolled on at least a half time basis, hold U.S. citizenship or permanent resident status, and are admitted to or enrolled in a degree-seeking program.

Subsidized Loans
Case Western Reserve University participates in the Federal Stafford Loan program. The Federal Stafford Loan program lends money through private lenders, including Case Western Reserve University, to students in certain graduate and professional schools.

Students must be enrolled half time (6 credit hours per semester) and demonstrate financial need. The variable interest rate is adjusted annually and is capped at 8.25%. The interest is subsidized (paid) by the Federal Government as long as the student remains enrolled at least half time (6 credit hours per semester). A student making satisfactory academic progress may borrow up to $2,625 for the first year of undergraduate study, up to $3500 for the second year, $5,500 for each year of subsequent undergraduate study, and $8,500 for each year of graduate study, with an aggregate maximum of $23,000 undergraduate and $65,000 undergraduate and graduate. Repayment begins six months after the student ceases to be enrolled on at least a half-time basis. No principal or interest must be paid while the student is enrolled half time or more. All students must demonstrate financial need as determined by the University Office of Financial Aid in accordance with criteria established by the Federal Government. All undergraduate students must apply for the Federal Pell Grant. Application forms for the Federal Stafford Loan Program may be obtained from a bank or other lending institution, or from the University Office of Financial Aid. The appropriate forms must then be submitted to the University Office of Financial Aid. All applicants for Stafford Loans must submit the following

1.

A Free Application for Federal Student Aid (FAFSA). New undergraduate students must complete the Profile Form of College Scholarship Service as well.

2.

To the Office of University Financial Aid:

a.

A Case Western Reserve Financial Aid Application.

b.

A signed copy of the parents’ prior year federal income tax return, including all schedules and W-2 forms (in the case of dependent students).

c.

A signed copy of the student’s prior year federal income tax return, including all schedules and W-2 forms (and where appropriate, the student’s spouse’s), or, if a tax return was not filed, a completed Student/Spouse Statement of Income.

d.

In the case of students enrolled or admitted to the Mandel School of Applied Social Sciences, School of Graduate Studies, School of Law, Weatherhead School of Management, Mandel Center for Nonprofit Organizations, or the N.D., M.S.N. or Ph.D. program of the Frances Payne Bolton School of Nursing, the Office of University Financial Aid also requires a memorandum from the school specifying the admission status, number of credit hours enrolled for each term, current academic standing, and the amount of other financial assistance, if any, being awarded. The student should allow at least 8 to 10 weeks between submission of the forms to the Office of University Financial Aid and receipt of the loan proceeds.

UNSUBSIDIZED LOANS

Unsubsidized Federal Stafford Loans require the same enrollment criteria and feature the same interest rates as their subsidized counterparts. Borrowers are responsible for paying the interest during the in-school and deferment periods. Borrowers may choose to make periodic interest payments to the lender/servicer, or opt to have the accrued interest capitalized (added on to) the principal loan amount. Borrowers who do not qualify for the maximum amount under a subsidized loan may borrow an unsubsidized loan up to the maximum allowable loan amount. The maximum allowable loan amounts for dependent students are $2,625 per year for freshmen, $3,500 per year for sophomores, $5,500 per year for juniors and seniors, and $8,500 per year for graduate students. Independent undergraduate students are eligible for an additional unsubsidized loan in the amounts of $4,000 per year for freshmen and sophomores, $5,000 per year for juniors and seniors, and $10,000 per year for graduate students. Students enrolled in the Schools of Medicine and Dentistry are eligible to borrow an additional $20,000 annually. The application process is identical to that for the subsidized loans. Undergraduate students must apply for and have eligibility determined for the Federal Pell Grant and all students must have eligibility for the subsidized loan determined before borrowing an unsubsidized loan. Promissory notes are mailed to the student by the University Office of Financial Aid. Stafford Loan applications are available from lenders and the University Office of Financial Aid.

Federal Parent Loans for Undergraduate Students (FPLUS)
Many lending institutions participate in the FPLUS program, through which a parent may borrow on behalf of a dependent undergraduate student up to the difference between the cost of education and any other financial assistance awarded. Students must be enrolled at least half time (6 credit hours per semester), be admitted to or enrolled in a degree seeking program, and be making satisfactory academic progress. Interest and repayment begin 60 days after disbursement of the loan. The interest rate is variable but cannot exceed 9 percent. There is no aggregate borrowing limit. Eligibility is not based on need, but the loan application and a Case Western Reserve Application for Financial Aid must be submitted to the Office of University Financial Aid. The loan applications may be obtained from lending institutions such as banks, credit unions, and savings and loan associations. The student should allow at least 8 to 10 weeks between submission of the forms to the Office of Financial Aid and receipt of the loan.

Federal Consolidation Loans
Borrowers with outstanding indebtedness through the William D. Ford Federal Direct Loan Program, Federal Stafford Loan, Unsubsidized Stafford Loan, Federal Supplemental Loan for Students, National Direct Student Loan, Federal Perkins Loan, or Health Professions Student Loan programs may consolidate their loans, provided the loans are not in default or if in default, the borrower must have made satisfactory repayment arrangements with the lender. Consolidation may occur during the repayment period or the grace period preceding repayment.

Limited deferments of principal are available. The variable interest rate is capped at 8.25%. Repayment terms may include graduated or income-sensitive repayment schedules. The repayment period is tied to the amount consolidated and may extend up to 30 years.

Interested borrowers should contact their lenders for additional information and referrals to participating agencies. Borrowers under the William D. Ford Federal Direct Loan program may contact the Servicing Center’s Consolidation Department or the University Office of Financial Aid.

Outside Loan Programs
Case Western Reserve University, in partnership with the Student Loan Marketing Association (Sallie Mae), offers low interest educational loans to students and/or parents. These loans are in addition to or alternatives to the Federal Stafford and PLUS Programs. Interest rates are variable, based on the Prime Rate. Interest payments may be paid during the in-school period or capitalized upon repayment. Students in the schools of medicine and law may use other loan programs and should consult their school of enrollment for additional information and application materials.

FRANCES PAYNE BOLTON SCHOOL OF NURSING

Ohio Nurse Education Assistance Loan Program (NEALP)
This program was created to assist the State of Ohio in meeting nursing shortages by providing assistance to students enrolled in approved nurse education programs and to encourage these students to remain in Ohio as they enter the nursing profession. These loans are available to students pursuing the B.S.N. and N.D. degrees.

Eligibility requirements include

1.

Ohio residency

2.

U.S. citizenship or permanent residency

3.

Acceptance or enrollment in an approved R.N. nurse education program.

4.

Demonstration of intent to practice nursing within the State of Ohio after graduation.

5.

Owe no refund nor be in default on any state or Federal educational loan or grant.

6.

Satisfactory academic record that places student in good academic standing.

NEALP loans are limited to $3,000 per year with an aggregate limit of $12,000. Financial need must be demonstrated through the filing of the Free Application for Federal Student Aid (FAFSA). Upon graduation, a student may be eligible for debt cancellation at the rate of twenty percent (20%) per year for a maximum of four years (80%) if the borrower is employed in the clinical practice of nursing within the State of Ohio.

Borrowers who complete the entire service obligation will be required to repay twenty percent (20%) of the loan plus interest. Borrowers who do not complete the service obligation must repay the entire outstanding loan balance plus interest. Applications are available from the University Office of Financial Aid. The application deadline is June 1st.

STUDENT EMPLOYMENT

Case Western Reserve University offers a variety of part-time employment opportunities to its students and recognizes that student employment is a valuable form of financial assistance as well as a practical learning experience. The University has made a commitment to utilize student employees whenever possible. To fulfill this commitment, the Office of Student Employment, a division of the Office of Financial Aid, has been established to centralize information about employment opportunities, provide standardized practices and procedures for employment, prevent discrimination, and increase the number and variety of available jobs on campus and in the community.

FEDERAL COLLEGE WORK STUDY PROGRAM

The Federal College Work Study Program is a Federally sponsored employment program designed to aid students with financial need. A Federal Work-Study award is awarded as part of the financial aid package and provides the opportunity for job placement and a maximum level of earnings. The Office of Financial Aid determines a student’s eligibility and the amount of the work award. The employer pays a portion of the student’s salary and the Federal government subsidizes the remainder. Employment opportunities are available on campus and with not-for-profit agencies in the surrounding community.

CAMPUS JOBS

This program is funded by the University through departments on campus and offers part-time employment to students. Students not demonstrating financial need but interested in securing on- campus employment may apply to the Office of Student Employment. Students not on financial aid who obtain jobs on campus on their own initiative are permitted to work provided there is no student with a financial need qualified and willing to take the job offered. All students working on campus must clear their employment with the Student Employment Office.

TUITION, ROOM, AND BOARD STABILIZATION

Case Western Reserve University offers a plan through which students and/or parents are able to protect themselves against future increases in tuition and room and board by prepaying all or a portion of the current tuition and room and board (double room and Carte Blanche meal plan) for the remaining years until graduation. There are two options within the plan:

1.

The participant may prepay the remaining years of tuition for the current degree program at the current rate. The tuition rate only in the examples below is for the 2002-2003 academic year and is subject to change:

Undergraduate

 

4 years @ $22,500 = $90,000

 

Sophomore

 

3 years @ $22,500 = $67,500

 

Junior

 

2 years @ $22,500 = $45,00

 

School of Law

 

3 years @ $25,900 = $77,000

 

2 years @ $25,900 = $51,800

 

Weatherhead School of Management (M.B.A., M. Acc.)

 

2 years @ $26,460 = $52,920

 

School of Dentistry

 

4 years @ $30,325 = $121,300

 

3 years @ $30,325 = $ 90,975

 

2 years @ $30,325 = $ 60,650

 

2.

Case Western Reserve University will lend the borrower the required amount to prepay the tuition or any portion thereof. The loan repayment schedule is based on the number of years for which tuition is stabilized, and the rate of interest is fixed for the life of the loan. The current rate is 7.50% but is subject to change.

Students who are receiving student financial aid may stabilize a portion of the tuition and fees which is equal to the current tuition and room and board charges less the grants, scholarships, and loans which the student will receive for the first year of the stabilization program, multiplied by the number of years remaining for the current degree program to be completed.

For further information about Tuition Stabilization, contact: Donald W. Chenelle, Director-Tuition Stabilization Plan, 216/368-3866 e-mail dwc2@po.cwru.edu.

SATISFACTORY ACADEMIC PROGRESS FOR FINANCIAL AID

Case Western Reserve University has established guidelines for determining whether students are making satisfactory academic progress for financial aid purposes.

Federal regulations require that in order to receive Title IV assistance, all students must maintain a standard of satisfactory academic progress, as determined by the University. Title IV assistance comprises the following:

Federal Pell Grants, Federal Supplemental Educational Opportunity Grants, Federal Perkins Loans, Federal College Work Study awards, Federal Stafford Loans (subsidized and unsubsidized), loans under the FPLUS program, and any state grants funded by the State Student Incentive Grant program.

A Case Western Reserve University undergraduate student must satisfy the minimum number of semester hours and earn the minimum cumulative grade point average listed in the table below. A half-time student must have successfully completed one half of the minimum number of semester hours with at least the minimum cumulative grade-point average in the table below:

Semester Year at the University

Cumulative Hours Completed

Grade-Point Average

1

21

1.75

2

43

2.00

3

67

2.00

4

91

2.00

5

115

2.00

6

139

2.00

(If a student has an uneven number of semesters, then the mid-point between the necessary semester hours completed for the year before and the year after will be the appropriate expectation. For example, if a student has completed five semesters and a determination is required of hours completed, then 55 would be considered satisfactory, i.e., the midpoint between 43 and 67.)

Procedure: If, after two semesters at Case Western Reserve, the student fails to meet the criteria for satisfactory academic progress, the student is placed on financial aid warning. While on Financial Aid Warning, a student may continue to receive Title IV aid for one semester. At the end of that semester, if the student is still not meeting the criteria, he or she is placed on financial aid probation. While on Financial Aid Probation, a student may not receive any Title IV aid but may be eligible for other assistance, including university grants-in-aid. If, after a semester on financial aid probation, the student still does not meet the criteria for satisfactory academic progress, the student is removed from all institutional financial aid. A student will be restored to good standing if found to be making satisfactory academic progress at the end of a semester on warning, probation, or separation. However, aid may be restored only once following financial aid separation. Students in financial aid good standing will have their satisfactory academic progress reviewed at the end of the spring semester. Students below good standing will have their status reviewed each semester.

Appeals may be made on grounds of mitigating circumstances; such appeals should be addressed to the associate director of financial aid.

For further details of financial aid policy and procedure regarding Satisfactory Academic Progress, consult the University’s Office of Financial Aid.

GRADUATE AND PROFESSIONAL STUDENTS

Since each graduate/professional school of the University differs in length of program and in method of evaluation, there is a different method of measuring Satisfactory Academic Progress for Title IV aid for each school, although the same general principles and procedures apply as indicated above. For specific information about how satisfactory academic progress is determined for an individual school or program, please consult the University Office of Financial Aid.