GIFT AID UNDERGRA DESCRIPTION PHARMD LOANS. William D. Ford Federal Direct Unsubsidized Stafford Loan a federallyfunded

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1 Financial Aid Below is a general description of financial aid and the procedures students must complete to be considered for financial aid. As programs, procedures, and regulations are subject to constant change, questions may arise. Financial aid is intended to help students finance their education when family and personal resources are not adequate to meet the total educational cost. Financial aid consists of scholarships and grants, loans, and part-time employment. The College of Pharmacy and the University make every effort within its means to help students with limited financial resources secure needed funds. Ohio State and most other colleges and universities believe students and parents share the primary responsibility for financing post-secondary education. Financial aid is available to meet the difference between the cost of attending Ohio State and the funds available from families or based on student merit. Specifically, financial need is the total estimated cost of attendance (COA) for the academic year minus the expected family contribution (EFC) which includes students contributions from assets and expected earnings and may include parental contributions. These contributions are determined through an analysis of the Free Application for Federal Student Aid (FAFSA) available online at PharmD students should direct questions to Annie Schuster, financial aid contact in the College of Pharmacy s Office of Student Affairs ( ). BSPS students should direct questions to the University s Student Services Center ( ). In addition, students should carefully read all information provided in their financial aid packet.

2 GIFT AID UNDERGRA DESCRIPTION D Federal Pell Grant* a federally-funded need-based entitlement grant Ohio Instructional Grant (OIG)* a state-funded need-based entitlement grant Federal Supplemental Educational Opportunity Grant (FSEOG)* a federally-funded need-based grant Ohio State and College of Pharmacy Scholarships need- and meritbased scholarships and grants. Eligibility is generally based on academic performance, financial need, professional interests, etc. External Scholarships scholarships and grants may be available from parent s employer, community/regional organizations, etc. Students are encouraged to explore all possibilities * Only available to undergraduate students who have not earned a Bachelor s degree. PHARMD DESCRIPTION LOANS William D. Ford Federal Direct Subsidized Stafford Loan a federallyfunded need-based loan. Interest deferred until after graduation or separation from the University William D. Ford Federal Direct Unsubsidized Stafford Loan a federallyfunded non-need-based loan (must apply for the Federal Stafford Loan first). Interest not deferred Health Professions Student Loan a need-based loan program for health professions students. To be considered for this loan, you must provide parental information regardless of dependency status. Interest is deferred until after graduation or until separation from the University Federal Perkins Loan a federally-funded need-based subsidized loan. Interest is deferred until after graduation or separation from the University William D. Ford Federal Direct Parent Loan (FDPLUS)** federally-funded loan program to be taken out by parents. Interest is not deferred William D. Ford Federal Direct PLUS Loans for Graduate and Professional Degree Students (GradPLUS) federally-funded loan program to be taken out by students. Interest is not deferred. Alternative Loans educational loans available through banks and other UNDERGRA D PHARMD lenders University Loan limited funds through Ohio State ** Only available to dependent undergraduate students. WORK DESCRIPTION UNDERGRA D PHARMD Federal Work Study Program a need-based federal program University employment Employment outside the university

3 Sources of Financial Aid Financial aid comes in three basic forms: gift aid, loans, and work. Some of the opportunities are listed under each heading below: Aid Eligibility To receive funds under any federal aid program, students must: File the Free Application for Federal Student Aid (FAFSA); Be enrolled in eligible degree-granting programs at least half-time (six credit hours - undergraduate; five credit hours - grad/professional); Be U.S. citizens, eligible non-citizens, or non-citizen nationals (natives of American Samoa or Swains Island); permanent residents of the U.S.; provide evidence that they are in the U.S. for other than temporary purposes with the intention of becoming citizens or permanent residents; Demonstrate financial need (except for FPLUS, GradPLus, and the Unsubsidized Stafford loan programs); Maintain satisfactory progress according to the standards and practices of The Ohio State University; Not be in default on any Federal Family Education Loan, Federal Direct Student Loan or Federal Perkins Loan; Not owe a refund on a federal grant; Sign a statement that all funds received through these programs will be used solely for educational or educationally-related purposes; Be registered with the Selective Service (if required by law to register) and sign a statement of compliance (proof of registration may be required at a later time). University-administered financial aid (including College of Pharmacy scholarships) is awarded on the basis of financial need and cumulative point-hour ratio in the College of Pharmacy. In addition, most financial aid programs require attendance on a full-time basis. Students who are enrolled parttime may be eligible for reduced/partial aid from some programs. Because most funds require U.S. citizenship, students who are entering the country on student visas should contact the Office of International Affairs, 300 Oxley Hall, 1712 Neil Avenue or call about financial aid sources. Renewal of Financial Aid Students must apply for financial aid every year by completing the Free Application for Federal Student Aid (FAFSA). Returning students are encouraged to file their renewal using FAFSA on the Web available at If In order to maximize the amount and type of aid students are evaluated for, students should file their FAFSA by OSU s priority deadline of February 15th each year. The amount and type(s) of aid received will very likely change from one year to the next. This change is due to changes in regulations, funding limits, and funding for federal and state financial aid programs. Year-to-year changes in student/family situations may also affect the amount and type(s) of aid.

4 Changes in Family Financial Situation If there are changes in the financial situation of families after the initial filing of the FAFSA, it is essential that students contact the Office of Student Financial Aid to be reevaluated. This includes changes due to, but not limited to: 1) Unemployment; 2) Death or disability of a family wage earner; 3) Divorce or separation; 4) Loss of non-taxable income, substantial reduction in current-year income, etc. Financial Aid Procedures NOTE: Retain copies of all important documents, including tax forms. If you are selected for a process called verification, it is important to submit all documentation by the deadline indicated. 1. Beginning in January, students may file the Free Application for Federal Student Aid (FAFSA) on-line at 2. The FAFSA is the application for the following federal programs: Federal Pell Grants Federal Supplemental Educational Opportunity Grants (FSEOG) Stafford/Ford Federal Direct Subsidized & Unsubsidized Loans Federal Perkins Loans Federal Work-Study (FWS) PLUS Loans for Graduate and Professional Degree Students Title VII and Public Health Act Programs Most need-based scholarships 3. Submit completed OSU Scholarship Application, found in the Buckeye Basics, to the Office of Student Financial Aid by March 1 for consideration of academic-only Scholarships (non-pharmacy related). 4. To be considered for Health Professions or Perkins Loans, you must provide parent information on the Free Application for Federal Student Aid (FAFSA) and file it by the priority deadline date. 5. Ohio State s Title IV school code is The Federal processor processes information on the FAFSA, then sends the FAFSA acknowledgment and a Student Aid Report (SAR) approximately four to six weeks after the FAFSA is sent to students. The Federal Processor will electronically send the FAFSA information to the schools designated by the student. 7. The Ohio Board of Regents calculates student eligibility for the OIG and then sends either an award notification letter or rejection notice to the student approximately eight weeks after FAFSA data is sent to the Ohio Board of Regents. 8. When students financial aid files are complete, the Office of Student Financial Aid reviews all of the financial aid information, calculates student need, and then sends students' financial aid award packages. NOTE: After students have been awarded financial aid, they are responsible for notifying Student Financial Aid if they receive any additional financial aid awards from any source. Student Financial Aid will make the required revisions to the students aid packages. Students should be aware that the receipt of additional aid or change in semester of enrollment may result in the reduction or elimination of aid from

5 university-administered programs.

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