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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 Reeserve 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://www.cwru.edu/CWRU/ADMIN/finaid/finaid.htm". Information regarding application procedures, eligibility criteria, financial aid definitions, University scholarships and grants, student employment, and the Tuition Stabilization Plan is currently available. The CWRU Financial Aid home page has direct links to other financial aid Web pages which 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.
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).
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 and the Profile Form to the processing centers 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. The Profile Form is optional.
The analysis of the application documents considers the family's annual income and accumulated assets, with allowances for family size, the number of 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 in many instances 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:
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.
The Free Application For Federal Student Aid and the Profile Form of the College Scholarship Service, 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. 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 417
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 and provide a Financial Aid Transcript from each college or university previously attended (whether or not aid was received at that institution).
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.
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 417
10900 Euclid Avenue
Cleveland, Ohio 44106-7049
Note: It is a requirement of the Federal government that no Federal funds may be disbursed until the Financial Aid Office has conducted "verification" of certain items in the student's application and received the student's acceptance of the financial aid award. All students but incoming freshmen will be required to complete a verification form and submit prior year Federal Income Tax Returns before a financial aid award is made. Verification forms are mailed by the Office of University Financial Aid upon receipt of the student's processed Federal application (FAFSA). It is in the student's interest to respond to the verification request as promptly as possible.
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 417
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 William D. Ford Federal Direct Loan or 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.
First-year students or first-time financial aid applicants must submit:
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 their department, must submit to the Office of Financial Aid:
All applicants for financial aid must submit:
All financial aid applicants must submit the following documents:
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.
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:
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 half-time to qualify for Federal educational loans.
All financial aid applicants must submit:
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.
(Follow the application procedures indicated above, unless otherwise indicated.)
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.
Four 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.
Five 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 $15,000 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 $12,500 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 1998 is $18,400.) 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 1998 is $13,800.) 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 1998 is $9,200.) 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 1998 is $11,500.)
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.
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 $9,200 for students entering in 1998.
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.
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.
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.
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.
Several $1000 competitively awarded scholarships are offered to freshmen who intend to major in accountancy. They are renewable for four years of study if high achievement is maintained.
Two or more scholarships are awarded annually to seniors in the Integrated Graduate Studies programs in economics and the social and behavioral sciences.
Several scholarships are offered by the Office of Collegiate Affairs to juniors and seniors interested in social welfare, city planning, and community responsibility.
Scholarships of up to $1,000 a year for freshmen and sophomores and up to $2,000 for juniors and seniors are offered to selected minority students who receive industrial sponsorship.
(Follow the application procedures outlined above, unless otherwise indicated.)
Grants-in-aid comprise non-repayable gift assistance which vary according to the amount of unmet financial need but which may not exceed tuition.
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.
The Federal Pell Grant program is a Federal grant program through which a student can receive a maximum of $3,000 (for 1998-99). 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 which 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 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.
All 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 1998-99 the amount is $924.
The State of Ohio has established the Ohio Academic Scholarship Program, through which 1,000 scholarships of $2,000 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.
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 Student Aid Commission for further details.
The states of Delaware, Maryland, 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.
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 $150 tax free stipend 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.
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.
Grants are awarded to students in varying amounts, as determined by financial need and academic merit.
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.
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.
The University may receive funding to award one or more scholarships per year to students with exceptionally great financial need. The scholarship will pay up to full tuition and fees and other reasonable educational costs. Eligible students are identified by the University Office of Financial Aid on the basis of their aid application showing zero resources. Complete financial information on the applicant's parents must be provided. Recipients must agree to perform general practice Dentistry for a minimum period of five years following graduation, exclusive of any periods of residency in General or Pediatric Dentistry.
The University may receive funding to award a limited amount of gift assistance to students from a disadvantaged background who have exceptionally high financial need.
The ADA provides competitive scholarships to second year Dental students. Selection criteria include: U.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.
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.
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.
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: Ohio Supplemental Loan, 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.
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.
The Office of Research Administration has access to a terminal-based data system (SPIN) which can provide information on a variety of additional public and private sources for financial assistance.
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.
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., M. Acct., and M.S.M. in information systems 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.
The Weatherhead School awards a limited number of scholarships each year to entering full-time M.B.A., M.Acct., and M.S.M. 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.
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.
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.
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.
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:
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.
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.
Perkins Loans enable students to borrow up to $30,000 through graduate school. 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.
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.
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.
A university loan is a low-interest long-term loan provided to a student to assist with educational expenses. Repayment is made over a five-year period after graduation or over a five-year period after the student ceases enrollment on at least a half-time basis. Interest is 8 percent.
Forty-eight loan funds have been established for undergraduate students. Loans are awarded by the Office of Financial Aid on the basis of need.
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 which 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.
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.
Case Western Reserve University participates in the Federal Stafford Loan program and in the William D. Ford Federal Direct Loan program.
A student is eligible to receive funds under only one of the programs.
The Direct Loan is awarded by the University and serviced by the Federal Department of Education. If a student does not receive a William D. Ford Direct Loan, he/she is eligible to apply for funds under the Federal Stafford Loan program which lends money through private lenders.
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.
Promissory notes for the William D. Ford Federal Direct Loan are mailed to the students by the University Office of Financial Aid. Application forms for the Federal Stafford Loan Program may be obtained from a bank or other lending institution, or, in the case of some lenders, from the University Office of Financial Aid. The appropriate forms must then be submitted to the University Office of Financial Aid. All applicants for Federal Direct or Stafford Loans must submit the following:
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 William D. Ford Direct Loans and 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. 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.
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, a CWRU Application for Financial Aid, and financial aid transcripts from previous colleges or universities attended 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.
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.
Ohio Supplemental Student Loan Program (Ohio Loans for Ohio Students)
Students, parents, or other individuals wishing to assist with educational costs for a student may borrow through this program. The student must enroll for at least two credit hours per academic year and pursue a degree or certificate program. The student must be the primary borrower or a co-signer of the loan. The borrower or co-signer must meet the established credit requirements which include a satisfactory credit history and debt/income ratio which does not exceed 40%. Loan amounts range from $1000 to the difference between the cost of attendance less other financial aid. Undergraduate students may borrow up to $45,000, and graduate students may borrow up to $90,000 (including undergraduate borrowing). Both variable and fixed rate options are available. The variable rate is adjusted quarterly and is based upon the 91-day Treasury Bill rate. The fixed rate for the 1998-99 academic year is 8.5%. A variable rate option is also available. Loan origination fees range from 4.5% - 6.5% depending upon the repayment option selected. The loans provide for up to five years of in-school deferment of payments, a six month grace period, and up to fifteen (15) years of repayment. Both standard and graduated repayment schedules are available. For additional information and application forms, contact the University Office of Financial Aid.
Several organizations offer low interest educational loans to students and/or parents. These loans are in addition to or alternatives to the William D. Ford Federal Direct Loan program or Federal Stafford Loan program. Interest rates may be fixed or variable, depending upon the loan program, and in most cases interest payments are required while the student is in school. Capitalization of interest may be possible, but this will result in a larger outstanding loan balance upon repayment. A number of college financing plans for parents involve a line of credit, and may be linked to a home mortgage plan. Among the private programs currently available are: The Educational Resources Institute Supplemental Loan Program (TERI), which also sponsors the PEP loan program for graduate and professional students; the Pennsylvania Higher Education Assistance Agency Alternative Loan Program (PA residents only); the Access Programs for various disciplines; the Law Loans Program (law students only); MBA Loans Tuition Loan Program (students enrolled in Weatherhead School of Management only) and EXCEL and Grad EXCEL sponsored by the New England Loan Marketing Association (Nellie Mae); Dental Access; Medfunds; AADS DEAL (Dental students only) as well as those of many of the larger banks. Contact the University Office of Financial Aid or lender for further information. The following loans are available only to students enrolled in specific fields.
Full-time students in health professional programs may borrow through the Health Education Assistance Loan Program (HEAL) if they borrowed prior to October 1, 1995. The amount borrowed is based upon demonstrated need, with a maximum of $20,000 per academic year and $80,000 cumulative. Eligibility will be calculated as the difference between the student's cost of education and the total resources available to the applicant, including parental, spousal, and personal income and assets, and other financial assistance which the applicant will receive or has received. The interest rate is variable, adjusted quarterly based upon the prevailing U.S. Treasury Bill rate. Repayment of both interest and principal may be deferred while the student is enrolled; however,interest will accrue and be compounded as frequently as every six months.
Application forms may be obtained from the University Office of Financial Aid.
All applicants for the Health Education Assistance Loan must submit the following:
Full-time students in health professional programs may borrow up to the amount of demonstrated financial need, through the Health Education Assistance Loan Program (HEAL) if they borrowed prior to October 1, 1995. The maximum loan amount will be calculated as the difference between the student's cost of education and the total financial resources available to the applicant, including parental, spousal, and student income and assets and other financial assistance which the applicant will receive or has received. The interest rate is variable, adjusted quarterly based upon the prevailing Treasury Bill rate. Repayment of both interest and principal may be deferred while the student is enrolled; however, interest will accrue and be compounded as frequently as every six months. Application forms may be obtained from the School of Medicine Office of Financial Aid.
A loan is available through the Ohio League for Nursing. See above for information on this program.
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:
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.
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.
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.
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.
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:
4 years @ $18,400 = $73,600
3 years @ $18,400 = $55,200
2 years @ $18,400 = $36,800
3 years @ $20,500 = $61,500
2 years @ $20,500 = $41,000
2 years @ $20,900 = $41,800
4 years @ $25,700 = $102,800
3 years @ $25,700 = $77,100
2 years @ $25,700 = $51,400
2 years @ $27,000 = $54,000
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.
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, William D Ford Federal Direct Loans (subsidized and unsubsidized), 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 gradepoint 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:
| 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 CWRU, 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.
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.
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