A GUIDE TO FINANCING YOUR EDUCATION

A GUIDE TO FINANCING YOUR EDUCATION 2 0 0 8 / 2 0 0 9 Philadelphia College of Osteopathic M d i c i n e e F I N A N C I A L A I D O F F I C E Table of Contents Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 Financial Aid Office Staff . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Financial Aid Office Hours and Contact Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Frequently Requested Telephone Numbers and Web Sites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 Frequently Asked Q e s t i o n s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7 u What is Financial Aid? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Student E igibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 l Financial Need . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Expected Family Contribution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Cost of Attendance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 The Application Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Other Re q u i red D cumentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 o What Happens after my FAFSA has been Processed? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Student Aid Re p o rt . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Request for Missing Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Award Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Alternative D cumentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 o Government Loan Programs (FFELP Stafford Loans) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Subsidized Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Unsubsidized Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Graduate PLUS Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Repayment Pl a n s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 D f e r m e n t . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 e Forbearance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Consolidation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Campus Based Pro g r a m s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Federal Pe rkins Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Federal Wo rk Study Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 School as Lender Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Board of Trustees Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Programs Exc l u s i ve to Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Primary Care Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Loans for Di s a d va ntage Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 PCOM Alumni Association Funds . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 PCOM Alumni Association Albert D’Alonzo DO Memorial Student Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Alumni Association Traveling Fellowships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Scholarships and Grants Exc l u s i ve to Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Armed Forces Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Philadelphia College of Osteopathic Medicine Grants for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Philadelphia College of Osteopathic Scholarships for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Scholarship Programs Exc l u s i ve to Medical, Physician Assistant and Clinical Ps ychology Students . . . . . . . . . . .25 Scholarship Programs Exc l u s i ve to Medical and Physician Assistant Students . . . . . . . . . . . . . . . . . . . . . . . . . . .26 National Health Se rvice Corps Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 Scholarship Programs Exc l u s i ve to Physician Assistant Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 Pr i vate Scholarship So u rces for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 Pr i vate Loan So u rces for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37 Pr i vate Scholarship So u rces for All Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 Pr i vate Loan So u rces for All Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43 Other Financial Sources . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 Residents and Interns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 The National Health Se rvice Corps State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 Tuition Refund Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 PCOM Pending Loan Advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 Withdrawal Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .51 Philadelphia College of Osteopathic medicine Federal Financial Aid Verification Policy . . . . . . . . . . . . . . . . . . .52 Glossary of Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .55 Pr i vacy Act . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .59 In d e x. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 0 1 2 PH I L A D E L PH I A · C O L L E G E · O F · O S T E O PAT H I C · M E D I C I N E Dear Student, The Financial Aid Office of Philadelphia College of Osteopathic Medicine is pleased to provide you with the 2008-2009 PCOM Guide to Financing Your Education. PCOM offers financial assistance in the form of federal, private, and institutional loan and scholarship programs. This handbook is intended to provide an overview of the financial aid process and answers to frequently asked questions. It also contains information indicating which programs are available to graduate and to medical students. A graduate or professional degree is one of the most important investments you will make in your lifetime. For that reason, it is the goal of the Financial Aid staff to help make a PCOM education accessible. We are committed to providing you information and guidance in order to obtain the resources necessary to meet your needs. Your knowledge of aid programs is key to maintaining eligibility requirements and successfully completing the annual financial aid process. Each financial aid program has its own set of guidelines. It is advised that you to read the guide carefully. On behalf of the Financial Aid staff, I look forward to assisting you with your educational plans and wish you much success in accomplishing your academic goals. Sincerely, Nancy L. Martorano Director of Financial Aid 3 4 Financial Aid Office Staff – PCOM Director, Financial Aid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Nancy Martorano nancyma@pcom.edu Associate Director . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Bernadette Anyzek bernadettea@pcom.edu Debt Management Counselor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Carolyn Bozzo carolb@pcom.edu Financial Aid Counselor . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . D s i ree Carriker e desireec@pcom.edu Financial Aid Re p resentative . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Aisha Brooks aishabr@pcom.edu OFFICE HOURS Monday-Friday: 8:30 am - 4:30 pm and Thursday evenings* (Friday office visits are by appointment only) Telephone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 215-871-6170 (Toll Free) 866-458-9677 Fax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 215-871-6179 Web site . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . www.pcom.edu Email . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . fin_aid@pcom.edu Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Rowland Hall, Suite 203 4190 City Ave n u e Philadelphia, PA 19131-1693 Financial Aid Office Staff – Georgia Campus Student Financial Aid Coordinator . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . L a u rel Starling laurelst@pcom.edu OFFICE HOURS Monday- Wednesday: 8:00 am - 4:00 pm Thursday: 8:00 am - 6:00 pm** • Friday: 8:00 am - 2:00 pm** Telephone . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 678-225-7533 (Toll Free) 866-282-4544 Fax . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 678-225-7509 Address . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 625 Old Pe a c h t ree Road Suwanee, GA 30024 *The Philadelphia Campus has Thursday evening hours from August 14, 2008 to May 28, 2009. O h e rw i s e , t Thursday hours are 8:30 a.m. to 4:30 p.m. **The Georgia Campus Thursday and Friday hours listed are from August 2, 2008 to May 28, 2009. Otherwise, hours are 8:00 a.m. to 4:00 p.m. Monday through Friday. 5 Frequently Requested Telephone Numbers & Websites Department of Education-Hope Scholarship and Lifetime Learning Tax Credits 1-800-829-1040 http://www.irs.gov/pub/irs-pdf/p970.pdf Educational Computer Systems, Inc. (ECSI) 1-888-549-3274 www.ecsi.net Free Application for Federal Student Aid (FAFSA) General information; technical assistance 1-800-433-3243 www.fafsa.ed.gov Internal Revenue Service (IRS) 1-800-829-1040 http://www.irs.gov/individuals/students/index.html National Health Service Corps 1-800-221-9393 http://nhsc.bhpr.hrsa.gov National Student Loan Data System (NSLDS) 1-800-999-8219 www.nslds.ed.gov Philadelphia College of Osteopathic Medicine Student Financial Aid Office 215-871-6170 1-866-458-9677 (toll-free) www.pcom.edu Philadelphia College of Osteopathic Medicine Financial Aid Office (Georgia Campus) 678-225-7533, option 2 1-866-282-4544 (toll free) www.pcom.edu Student Financial Aid-Ombudsman of the Department of Higher Education 1-877-557-2575 www.ombudsman.ed.gov U. S. Dept of Ed PIN (Personal Identification Number) 1-800-801-0576 www.pin.ed.gov Credit Bureau Information: EXPERIAN 1-888-397-3742 www.experian.com EQUIFAX 1-800-685-1111 www.equifax.com TransUnion 1-800-888-4213 www.transunion.com 6 Frequently Asked Questions How do I apply for financial aid at PCOM? To apply for financial aid, you must complete the 2008-2009 Free Application for Federal Student Aid (FAFSA). If you completed the Online FAFSA last ye a r, you should have a Personal Identification Number (PIN) and should use your PIN to access and sign the pre-filled FAFSA on the Web at www.fafsa.ed.gov. What is a PI N ? A PIN is your Personal Identification Number, which serves as your identifier that allows you to access your personal information in various U.S. De p a rtment of Education systems. Because your PIN serves as your electronic signature, yo u should not give it to anyo n e . What if I don’t have a Personal Identification Number (PIN) or if I lost it? If you do not have a PIN, you may request a PIN online at www.pin.ed.gov and then complete your FAFSA on the we b upon receipt of your PIN. You may also complete the FAFSA on the web without a PIN, then print the signature page and mail it to the De p a rtment of Education. What do I have to do if this is my first time applying for financial aid? If this is your first time applying for federal financial aid, you can apply for a Pin at www.pin.ed.gov. After your PIN arrives, complete the online FAFSA at www.fafsa.ed.gov. If you do not apply for a PIN, you can print a paper signature page to sign and mail, or wait for a signature page to arrive in the mail. In a few weeks you will re c e i ve a Student Aid Report (SAR). If you need assistance in completing the FAFSA, visit the following Web site: http://studentaid.ed.gov/students/publications/completing_fafsa/idex.html. What is a Student Aid Report (SAR)? A Student Aid Re p o rt is a summary of the information you submitted on your FAFSA. You’ll re c e i ve a SAR Information Acknowledgment Re p o rt in the mail about two weeks after submitting your online FAFSA. If you provided your email address, yo u’ll re c e i ve an email with a link to your SAR on the Web within 5 days. Re v i ew your SAR comments ve ry carefully to see if there are additional documents that you have to provide in order to establish your eligibility for federal financial aid. Also re v i ew the information that you provided for correctness. What if I don’t have access to applying for aid online? A paper FAFSA is available upon request from the PCOM Financial Aid Office. FAFSA’s are generally available at public libraries, high school guidance offices, and college and university financial aid offices. Is there a deadline for completing the FAFSA? Yes, priority processing and awarding of institutional funds is given to students who file the FAFSA and submit re q u i red documents by the deadline date. This year's priority deadline for completing the FAFSA is April 1, 2008. What is PCO M ’s Federal School Code for the FAFSA? Philadelphia College of Osteopathic Medicine’s Federal School Code is 015979. It is very important that you list this code on Step Six of the FAFSA so that PCOM’s Financial Aid Office is authorized to re c e i ve your information. What other forms must I complete to apply for financial aid at PCO M ? Each ye a r, every student must complete a new PCOM Financial Aid Application. This form is mailed to all new students after being admitted to PCOM and to returning students in the winter/spring terms. You may also print this form fro m the front page of the Financial Aid Section of the PCOM web site or obtain one from the Financial Aid Office. 7 Do I need to submit a copy of my Income Tax Return? All PCOM students who are selected for verification of their FAFSA data must submit a signed copy of their 2007 tax return or statement of non-tax filer status. The central processing unit of the U.S. De p a rt ent of Education determines who is m selected for verification and indicates this on the SAR. Do I need to submit copies of my parents’ tax return? All students must submit copies of their parents’ 2007 federal tax return; or alternative documentation and a copy of the 2007 student (and spouse) federal tax return, in order to be given consideration for institutional need-based funds. These funds are gift aid that does not have to be returned. For further information regarding the application process for institutional need-based funds, please visit the Financial Aid section of the PCOM Web site. Why is parental financial information required by PCOM on my FAFSA if I am independent? Institutional need-based aid is limited. Therefore, parental data is evaluated to determine equitable distribution of institutional need-based funds. Certain federal programs specifically for medical students such as the Pr i m a ry Care Loan, also require that parental financial information be provided on the FAFSA to determine eligibility. How do I apply for a Federal Stafford Loan at PCOM? If you are applying for a Federal Stafford Loan at PCOM for the first time, you need to complete a Master Pro m i s s o ryNote from your lender. What is a Master Promissory Note? A Master Promissory Note (MPN) is a legal, binding document that you sign promising to repay your loan. The MPN opens up a line of credit for educational expenses and is good for 10 years from the date you sign it. What is PCOM’s Federal School Code for Federal Stafford Loans? PCOM’s Federal School Code for Federal Stafford Loans is 00335200. How much can I borrow in Federal Stafford Loans? Graduate students are eligible to apply for a maximum of $20,500 per academic ye a r. Medical students are eligible to apply for a maximum of $40,500 per academic year. Medical students enrolled in a medical program, which extends during a consecutive 12-month period are eligible to apply for a maximum of $47,167 per academic year. What should I know about the loans I am offered? Each loan that you borrow must be repaid once you leave school. Even if you do not complete your education, you will be expected to begin repayment after the grace period of the loan has ended. How do I apply for grants and scholarships at PCOM? To be considered for PCOM need-based grants and scholarships, students need to complete parental data on the FAFSA and provide the parents' federal tax return. If you are unable to provide parental data on your FAFSA, or if you feel that the data inappropriately represents your personal financial situation, you may submit to the Financial Aid Office, alternative documentation in the form of a detailed letter that describes your living situation and financial circumstances. You must also include a copy of your (and your spouse) 2007 federal tax return. Recommended websites for private sources of grants and scholarships are www.aacom.org for medical students and www.free-4u.com for all students. Students may also complete a national scholarship search at www.fastweb. c o m. What can I do to reduce my living expenses once I arrive on campus? Plan ahead and remain in the same apartment or situation for the duration of your time in school. Start-up costs of moving and apartment deposits are quite expensive and can cut deeply into savings and living expense funds. Consider a roommate and save hundreds of dollars each month by sharing the costs of living. Sa ve money before entering graduate school. Make a budget and stick to it. 8 What is Financial Aid? Financial aid refers to any form of monetary assistance that students use to help pay for postsecondary education. There are three basic types of financial aid available at Philadelphia College of Osteopathic Medicine: 1. Loans are borrowed money that must be repaid with interest. 2. Grants and Scholarships are “gift” aid that does not have to be repaid. 3. Federal Work-Study is part-time employment for which a student is paid. www.fastweb.com for all students. Students should also check with organizations to which they or their family are affiliated for possible scholarship opportunities. Financial Need and Expected Family Contribution (EFC) With the exception of Federal Unsubsidized Loans and Federal Graduate PLUS Loans, federal financial aid is awarded on the basis of financial need. When your FAFSA is processed, a formula is applied to the information you provided to calculate your Expected Family Contribution (EFC). The formula is established by law and is used to measure your financial strength based on your income and assets. Your EFC is used in the following equation to determine your financial need: Cost of Attendance - Expected Family Contribution = Financial Need Student Eligibility PCOM NEED-BASED GRANTS Institutional funds are awarded to students who demonstrate need based on availability of funding at the time the student applies. Complete applications received by the priority date are given consideration for maximum funding. Parental income and tax documentation is required along with FAFSA results to establish need for institutional awards. Students who feel that providing parental data inappropriately re p resents their financial situation may submit alternative documentation in the form of a detailed letter that describes their living situation and financial circumstances. They must also include a copy of their (and their spouse) 2007 federal tax return. PCOM SCHOLA R S H I P S Academic scholarship recipients are selected by the PCOM Committee on Honors and Aw a rd s . Applications are sent to eligible medical students in the spring term for awards to be applied to the upcoming school year. PRIVATE SCHOLARSHIPS AND GRANTS Students are also encouraged to apply for scholarship funds from private sources. In addition to the private sources listed in PCOM's 2008-09 Guide to Financing Your Education, suggested websites are www.aacom.org for medical students and www.free-4u.com and Cost of Attendance A student's cost of attendance, or budget, is the sum of the following: • Actual or estimated tuition and fees, plus allowances for: • Housing and food (All housing at PCOM is off-campus) • Books and Supplies • Transportation • Miscellaneous personal expenses • Loan fees 9 The Application Process 1. FREE APPLICATION FOR FEDERAL STUDENT AID (FAFSA) To apply for financial assistance at PCOM for the 2008-2009 academic ye a r, you must first complete the FAFSA. This form is used to apply for federal student financial aid, including grants, loans and work-study. • If you applied for aid last ye a r, you should have a personal identification number (PIN) and should complete a pre-filled FAFSA on the web at www.fafsa.ed.gov. • If you did not file a FAFSA last year or did not re c e i ve a PIN, you may request a PIN at www.pin.ed.gov and then complete your FAFSA on the web upon receipt of your PIN. PCOM’s Financial Aid Office will only provide paper FAFSA applications upon request. To be given consideration for institutional need-based grants you must include parental financial information on the FAFSA regardless of age, dependency or marital status, and submit to the Financial Aid Office a copy of your parents’ 2007 federal tax return. If you cannot provide your parents’ information, or if you feel that this would inappropriately represent your financial situation, then you may submit alternative documentation in the form of a detailed letter that describes your living situation and financial circumstances. You must also include a copy of your (and your spouse) 2007 federal tax return. For furt h e r information regarding the application process for institutional need-based funds, please visit the Financial Aid section of the PCOM Web site. Note: It is very important that you list Philadelphia College of Osteopathic Medicine in step six of the FAFSA, along with P CO M ’s Federal School Code, which is 015979. 2. PCOM FINANCIAL AID APPLICATION Each ye a r, eve ry student must submit a PCOM Institutional Financial Aid Application. This application collects general information that the Financial Aid Office re q u i res to determine yo u r financial aid awards. 10 3. MASTER PROMISSORY NOTE (MPN) The MPN opens up a line of credit with a lender for educational expenses during your academic career. By signing the MPN, you are agreeing to repay the loan under the terms and conditions stipulated. The MPN is good for 10 years from the date that you signed it. Other Required Documentation 1. STUDENT INCOME TAX RETURNS Students are randomly selected for verification by the De p a rtment of Education and, if selected, must submit signed copies of their 2007 income tax return to the Financial Aid Office. These include the 1040, 1040A, 1040EZ or other tax documents as required. If you are selected for verification, this will be noted on the SAR. See pages 52-54 of this handbook for detailed information on verification policy. 2. PARENT INCOME TAX RETURN All students are required to report parental income and financial information on the FAFSA and to submit signed copies of their parents’ 2007 income tax returns to the Financial Aid Office in order to be g i ven consideration for need-based institutional grants and scholarships. The information is also required to determine student eligibility for certain programs such as the federally funded Primary Care Loan Program, and Loans for Disadvantaged Students. 3. INDEPENDENT VERIFICATION FORM If you are a selected applicant, you are required to complete a 2008-2009 Independent Verification Worksheet. These forms are available in the Financial Aid Office and will be sent to you when we receive your electronic FAFSA information. 4. STATEMENT OF NON-TAX FILER Students who are selected for verification and who did not file and were not required to file a 2007 income tax return can complete a statement of non-tax filer status. This statement can be found on Part C of the 2008-09 Verification Worksheet. Parents who did not file and we re not required to file a 2007 income tax return will be sent a Statement of Non-Tax Filer Status from the Financial Aid Office when appropriate. 5. VERIFICATION OF CITIZENSHIP STATUS Eligible non-citizens and some naturalized citizens may be required to show proof of citizenship status to be eligible for state and federal financial aid. The following documentation is acceptable: • U.S. Passport • Birth Certificate • Certificate of Citizenship • Certificate of Naturalization • Permanent Resident Card or Resident Alien Card (Green Card) • Properly endorsed CBP Form I-94 or Form I-94A 6. ALTERNATIVE DOCUMENTATION Alternative documentation in the form of a detailed letter that describes your living situation and financial circumstances, and a copy of your (and your spouse) 2007 federal tax return can be submitted if you are unable to provide parental data on your FAFSA for consideration of PCOM need-based funds, or if you feel that the data inappropriately represents your personal financial situation. REQUEST FOR MISSING INFORMATION LETTER Upon electronic receipt of your FAFSA data, PCOM’s Financial Aid Office will determine if additional information is required to determine your financial aid eligibility. If your file re q u i res additional documentation, you will receive a letter indicating the items needed to complete your financial aid file. Please note that your financial aid requirements may be viewed on Banner Web Services for students. AWARD LETTER If you are a new student who has been accepted for admission to PCOM, you will receive an estimated award letter provided that you have confirmed your admission, and that the Financial Aid Office has a valid electronic SAR on file for you. The award letter will detail the type (federal and/or institutional) aid for which you are eligible. If you wish to reject or adjust the amount of any award, you are required to sign and return the award letter. If no changes are necessary, you do not need to return a copy to the Financial Aid Office, and you may retain the award letter for your records. If your award letter changes upon review of any documentation that is received, a revised award letter will be sent to you. Please note that you may view your financial aid awards on Banner Web Services for students provided that your financial aid file is complete. What Happens After My FAFSA Has Been Processed? Completing the FAFSA is the first step in the financial aid process. Once you submit the FAFSA, the central processor takes the information you submitted and calculates your expected family contribution (EFC). If your application is successfully completed, your information is sent electronically to all schools that you listed on Step Six of your FAFSA. STUDENT AID REPORTS (SAR) When your FAFSA is processed you will receive an email with a link to your Student Aid Report (SAR). If you did not provide an email address, you will receive your SAR by mail. You should review your SAR for any necessary corrections or updates. If you do not hear from the central processor within three weeks, go to www.fafsa.ed.gov and select: "Check status of a submitted FAFSA or Print Signature Page". Government Loan Programs FEDERAL FAMILY EDUCATION LOAN PROGRAM Many students find that they need assistance from the Federal Family Education Loan Pro g r a m (FFELP) to help pay for their education. The FFELP program includes the Federal Subsidized Stafford Loan (formerly known as the Guaranteed Student Loan), the Federal Unsubsidized Stafford Loan, and the Federal PLUS Loan for graduate students. 11 FEDERAL SUBSIDIZED STAFFORD LOAN The Federal Subsidized Stafford Loan is a need-based loan. Eligibility is determined by subtracting your Expected Family Contribution (EFC) and other aid from your Cost Of Attendance (COA). The maximum annual limit of a Federal Subsidized Stafford Loan for graduate and medical students is $8,500. The aggregate lifetime limit, including undergraduate borrowing, for Federal Subsidized Stafford Loan borrowers is $65,500. The Federal Subsidized St a f f o rd Loan does not accrue interest while you are enrolled at least halftime, during grace periods, or during authorized periods of deferment. If you graduate, withdraw, or drop below half-time, you are granted a six-month grace period. At the end of the grace period, interest begins to accrue at a fixed rate of 6.8%. You then begin to repay the loan on a monthly basis and have 10 years to repay a Federal Subsidized Stafford Loan. FEDERAL UNSUBSIDIZED STAFFORD LOAN The Federal Unsubsidized Stafford Loan is not a need-based loan. Eligibility for the Fe d e r a l Unsubsidized St a f f o rd Loan is determined by subtracting your total aid package including your Subsidized Stafford Loan eligibility from your Cost Of Attendance (COA). The maximum annual limit of a Fe d e r a l Unsubsidized Stafford Loan for graduate students is $12,000. The eligibility for a Federal Unsubsidized St a f f o rd Loan for medical students is $32,000. Medical students enrolled in a medical program, which extends during a consecutive 12-month period are eligible to borrow up to $38,667 in Federal Unsubsidized Stafford Loans funds. The total outstanding debt that you can have from all Federal Stafford Loans is as follows: • $138,500 as a graduate student • $224,000 as a medical student No more than $65,500 of either amount for both graduate and medical students may be in subsidized loans. The debt limit includes any Federal Stafford Loans received during undergraduate study. The interest rate on the Federal Unsubsidized Stafford Loan is the same as that of the Federal Subsidized Stafford Loan. However, interest accrues on the Federal Unsubsidized Stafford Loan while you are enrolled and during the grace period. FEDERAL PLUS LOAN FOR GRADUATE STUDENTS The Graduate PLUS Loan is an affordable, lowinterest loan for graduate and professional students. It carries a fixed interest rate of 8.5% for the life of the loan and can be used to cover up to 100 percent of your total Cost of Attendance, minus other financial aid you've been awarded. The Graduate PLUS loan can also be consolidated with your other federal loans. Like the Unsubsidized Federal Stafford Loan, the Graduate PLUS loan begins to accrue interest upon disbursement and repayment can be deferred while enrolled at least one half time and during grace period. While you are required to pass a credit check, many students with limited or no credit history can still qualify for this loan. _________________________________________ Students are entitled to a deferment on loan payments while enrolled at least half time and during grace period. You may choose to: • Make payments on your loan while enrolled in school • Defer payment of the principal and make interest payments • Defer both interest and principal If you choose not to pay the interest during these periods, it can be capitalized (added to principal loan balance), which would increase the amount you would repay. At the end of your six-month grace period, any unpaid interest on the loan is capitalized. This means that the unpaid interest is added to the principal amount, and interest accrues on the new amount. _________________________________________ 12 Repayment Plans There are three repayment plans that are available to borrowers of FFELP S tafford Loans if your first FFELP Program Loan was disbursed on or after July 1, 1993, and to FFELP Graduate PLUS loan borrowers. All the repayment plans require you to repay the loan within 10 years unless you request and qualify for the Extended Repayment Plan (see below). Aspects of these repayment plans will vary by lender. Check with the lender for complete information. • Standard Repayment Plan – This plan requires you to pay a fixed amount each month of at least $50 or the interest that has accrued. • Graduated Repayment Plan – Under this plan, your payments will be lower at first and then increase over time. • Income Sensitive Repayment Plan – This plan bases your monthly payment on your yearly income and your loan amounts. As you income rises or falls, so do your payments. No single payment may be three times greater than any other of your re q u i red payments. Each of your payments must at least equal the interest accrued on the loan between scheduled payments. • Extended Payment Plan – this is for new borrowers on or after 10/7/98 who accumulated outstanding loans totaling more than $30,000. This plan has a fixed annual or graduated repayment amount to be paid over a period not to exceed 25 years. • Economic Hardship - You are experiencing an economic hardship Please note that during the Department of Education's third negotiated rulemaking session, it was determined that the current policy used to qualify federal student loan borrowers for an economic hardship deferment, would remain in effect only through June 30, 2009, and would be replaced on July 1, 2009 with an income-based repayment plan. At the time of this writing there is on-going debate among medical associations, the Department of Education and Congress as to the adverse financial effects that the new regulations my have upon borrowers. Forbearance If you should experience unexpected temporary h a rdship for reasons that do not qualify for a deferment, speak to your lender about forbearance. At their discretion, lenders can offer temporary forbearance under such circumstances. Principal payments are postponed or reduced. Interest will continue to accrue and must be paid. Interest may be paid during the forbearance or it may be capitalized. Consolidation If you borrowed a large amount of Federal Stafford Loans or have Federal Stafford Loans from multiple lenders, you may want to consider Loan Consolidation. Loan Consolidation is a method of combining all Federal Stafford Loans and Graduate P LU S Loans into one loan and stretching out repayment for as long as 30 years to lower your monthly payments. If you are considering consolidation, it’s advisable to discuss your particular financial circumstances and borrowing history with a consolidating lender professional. Deferments Borrowers who qualify for deferment may postpone loan principal payments during periods of deferment. For borrowers with no outstanding balance on FFELP loans made before July 1, 1993, the following deferments apply: • In-School - You attend school at an eligible institution on at least a half-time basis • Unemployment - You are seeking but unable to find full-time employment • Rehabilitation Training - You are participating in a full-time rehabilitation training program • Graduate Fellowship - You are studying in a fulltime graduate fellowship program 13 Campus-Based Programs FEDERAL PERKINS LOAN The Federal Perkins Loan is a federally guaranteed l ow - i n t e re rate loan program administered by st PCOM. It is available to graduate and medical students with priority given to students who file the FAFSA before the priority deadline and demonstrate exceptional financial need as determined by the Department of Education. The interest rate on the Perkins Loan is 5% and is deferred while you are in school on at least a halftime basis. If you drop below half-time, graduate or withdraw, you are given a nine-month grace period before interest begins to accrue. At the end of the nine-month grace period, simple interest of 5% accrues on the entire balance and you are expected to begin repayment of the loan. You have up to 10 years to repay the entire balance with accrued interest. Loan amounts vary depending on annual funding levels. The aggregate lifetime limit for the Federal Perkins Loan is $40,000 for graduate and medical students (including undergraduate borrowing). For the loan to be credited to your account, you must complete an Entrance Interview and sign a Perkins Loan Master Promissory Note and Perkins Loan Award Form. FEDERAL WORK-STUDY PROGRAM (FWS) WHAT IS FEDERAL WORK-STUDY? The Federal Work-Study program provides jobs for graduate and medical students with financial need, allowing them to earn money to help pay for educational expenses. The program is administered by PCOM’s Office of Student Affairs. WHO IS ELIGIBLE FOR FWS? FWS applicants must meet the same eligibility criteria outlined in this handbook for federal assistance programs. Applicants must demonstrate financial need, complete the I-9 form at the time of hiring, complete IRS forms and submit all financial aid information required by the PCOM Financial Aid Office. 14 WHEN DO I APPLY? Applications are available at the office of Student Affairs in the Spring. Once your application has been completed and your financial aid status evaluated, you must sign a FWS Aw a rd Letter acknowledging the award. All applications, payroll, timekeeping procedures and job assignments are conducted through the Office of Student Affairs, not the specific supervisor or department for which a student works. WHAT TYPES OF JOBS ARE AVAILABLE? Jobs range from typical library and office work, to assisting in labs and participating in research. A few students are placed in doctor’s offices and patient billing services. HOW MUCH WILL I MAKE? Federal Work-Study wages are $15.00 per hour for 2008-09. The total FWS award depends on when you apply, your level of need, the amount of other aid you will receive, the availability of funds and the time requirements of the job. The amount of your FWS award is calculated as part of your overall financial aid award and therefore may reduce your need for other funds. HOW MANY HOURS CAN I WORK? The total hours may not exceed 15 per week when classes are in session or 35 hours per week during vacation periods. HOW WILL I BE PAID? A PCOM check is made payable to you on a biweekly basis. School as Lender Scholarship The PCOM KeystoneBest Federal Stafford Loan Program generates funds for the School as Lender Scholarship. The Financial Aid Committee makes awards to students in all programs depending upon need and the availability of funds. Board of Trustees Scholarship This grant was created by the Board of Trustees of Philadelphia College of Osteopathic Medicine to provide financial assistance to deserving medical and graduate students who demonstrate financial need and are in good academic standing. field or if you accept additional training in a specialized field before the loan has been repaid, you are subject to a penalty, i.e., interest on the loan accrues at a rate of 18% beginning on the date of noncompliance. If you fail to complete your medical school education, the additional penalty does not apply. The twelve-month grace period begins with your last date of attendance and you have 10 years to repay the balance plus accrued interest at 5%. LOANS FOR DISADVANTAGED STUDENTS (LDS) This program is sponsored by the Department of Health and Human Services and is administered by PCOM. LDS loans are available to medical students who submit parental information on the FAFSA and meet the definition of demonstrating exceptional financial need. Repayment of the loan may be up to 10 years and begins one year after leaving school. Deferments are available for full-time study and during medical internship or residency. PCOM ALUMNI ASSOCIATION STUDENT LOAN FUND The Alumni Association of PCOM makes a number of low - i n t e rest rate loans available to medical students. Loan applications are available to third and fourth year medical students in good academic standing who demonstrate financial need. The interest rate is 5% and repayment begins one year from graduation. If you qualify, repayment can be deferred during internship and re s i d e n c y. Applications are available in the Financial Aid Office during the spring for awards to be applied in the fall. The maximum amount is $2,000 per year, $4,000 cumulative. PCOM ALUMNI ASSOCIATION ALBERT D’ALONZO D.O. MEMORIAL STUDENT FUND The Alumni Association of Philadelphia College of Osteopathic Medicine supports a range of unique student academic activities through individual grants, awarded to DO students and DO student organizations. Students currently in their second, third or fourth years at PCOM may apply for grants ranging from $250 to $2,500 from this fund. Three deadlines are scheduled throughout the year – 15 Programs Exclusive to Medical Students PRIMARY CARE LOAN (PCL) The Primary Care Loan (PCL) is available to medical students who show exceptional financial need and who plan to enter a residency training program in family medicine, internal medicine, pediatrics, combined medicine/pediatrics, pre ventative medicine or osteopathic general practice. • Consideration is given to third- and fourth-year medical students. • To qualify, students must include their parents' financial information on the FAFSA or pre-filled FAFSA, regardless of dependency status. The only exception is if both parents are deceased. • Students must submit a copy of their (and their spouse's) federal tax return, as well as their parents' tax return. • Students must complete a Primary Care Loan interview with a financial aid counselor prior to receiving the award. The loan amount varies from year to year depending on funding levels and cannot exceed the cost of tuition plus fees. The loan does not accrue interest while you are in school or during your residency. After graduation you are granted a 12-month grace period. Interest begins to accrue at a simple rate of 5% when repayment begins, in accordance with the repayment schedule signed at your Exit Interview. You have up to 10 years to repay the loan. To extend the length of repayment, you must make a written request and have it approved by PCOM The PCL was created to encourage medical students to choose a career in primary care medicine. If you accept the PCL, but do not practice in a primary care February 15, May 1 and September 1 – and requests must be made in writing addressed to: Albert D’Alonzo D.O. Memorial Student Fund The Alumni Association of PCOM Alumni Relations and Development Office 4180 City Avenue Philadelphia, PA 19131 The proposed project must have a unique and educational academic component reflected in the p roposal letter. Proposals for convention and seminar attendance by students will only be considered if the student plays an active role; for example – presentation of a research poster or similar project. Attendance alone does not qualify for this fund. The amount of funding requested should not exceed 50% of the cost of the project and a list of estimated expenses is required. Grants are given for a specific project and are not automatically renewable. Awarded funds to students must be utilized by April 30 of the student’s senior year. No proposals will be accepted for retroactive financial assistance. All decisions of the Albert D’Alonzo D.O. Memorial Student Fund are final. Requirements 1. A proposal letter outlining the project with a list of estimated expenses. 2. A current official PCOM transcript. 3. Verification of acceptance from rotation sites. Requests for support of student organization projects should be accompanied by similar documentation. Grant recipients are expected to share their experiences or project results with the Alumni Association of PCOM and/or the PCOM community. A letter or short report is required and must be received by the Office of Alumni Relations and Development before grants will be released. ALUMNI ASSOCIATION TRAVELING FELLOWSHIPS The Alumni Association of PCOM awards traveling fellowships to recipients of the following: • National Institutes of Health Fellowship – A clinical rotation is offered to one fourth ye a r student at the National Institute of Neurological 16 and Communicative Disorders (NINCDS). The student placed at NINCDS will receive a $1,000 award from the Alumni Association of PCOM to assist with living and travel expenses associated with this rotation. • International Neurology Fellowship – A neurology rotation is available to one 4th year student in a neurological institute located in Milan, Italy. The Alumni Association of PCOM will grant an award of $2,000 to the recipient of this fellowship to assist with travel and other expenses. Students may apply for these fellowships during their third year by November 1. The fellowships will be completed during the fourth ye a r. A completed application, photo and letter of recommendation are required. Scholarships and Grants Exclusive to Medical Students ARMED FORCES SCHOLARSHIPS The Army, Navy, and Air Force offer competitive scholarships based on academic performance and recommendations. The scholarship provides a monthly stipend, tuition and fees, books and instruments. U.S. Citizens that physically qualify must enroll or be accepted for enrollment at an approved college. I n return for the scholarship, recipients are obligated to give one year of service for each year of support (minimum two years of service). Recipients will be required to spend 45 days on active duty each year while in school. For additional information contact: Army Health Care Recruitment Leon Hooten US Army Health Care Recruiting Station 2201 Route 38, East Suite 105 Cherry Hill, NJ 08002 856-414-1924 leon.hooten@usarec.army.mil Navy Officer Programs HM1 (FMF) Charlotte Wilabay Medical Officer Recruiter Navy Recruiting District Officer Programs 700 Robbins Ave., Bldg. 2-D Philadelphia, PA 19111 (215) 697-7100 x226 charlotte-wilabay@navy.mil Air Force Health Care Recruitment Technical Sergeant Joseph Sienkiewicz 25 Bala Avenue Suite 104 Bala Cynwyd, PA 19004 (610) 660-0694 joseph.sienkiewicz@us.af.mil Brenner and Marvin Comisky, Esq., co-trustees of a trust fund established in 1978 under the will of Aaron Brenner. 2. CLASS GIFT SCHOLARSHIP This grant was created by committed scholarship funds established by the Classes of 1983, 1984 and 1992 to provide financial assistance to deserving osteopathic medical students who demonstrate financial need. Philadelphia Campus Only. 3. D.O. STUDENT SCHOLARSHIP Each ye a r, students participate in a week long Phonathon, conducted by the Office of Alumni Relations & Development. PCOM alumni are contacted annually to contribute to this fund. Grants are awarded to medical students who demonstrate financial need. The amount is dependent upon alumni contributions and earned income from the endowment fund. Philadelphia Campus Only. 4. ARCHIE & CECILIA FEINSTEIN MEMORIAL SCHOLARSHIP This scholarship was established by family, colleagues, classmates and friends in memory of Archie Feinstein, DO’42 and his wife Cecilia. Dr. Feinstein was the College’s director of medical education at PCOM and assistant dean for clinical training. He was the first to expand clerk s h i p programs to affiliate institutions in order to find the best clinical rotations for students. Dr. Feinstein was also a member of the Alumni Association Board of Directors and president of the Association. The scholarship is awarded on the basis of financial need to a DO student in the second, third or fourth year at PCOM. Philadelphia Campus Only. 5. THE GEORGE H. GUEST, D.O. SCHOLARSHIP This grant was established in honor of George H. Guest, D.O., PCOM Class of 1936, by an anonymous donor in 1985. A distinguished neurologist and psychiatrist, Dr. Guest was chairperson of the PCOM Department of Psychiatry and Neurology. This grant assists deserving medical students. Philadelphia Campus Only. PCOM Grants for Medical Students PCOM's Student Aid Committee awards the following grants which are made possible through contributions made to the PCOM Foundation by sponsors who take pride in helping students meet the financial obligations of a medical education. The grants are a gift and do not have to be repaid. Awards are based on financial need and availability of funds. Recipients are selected in the spring for awards that will be applied to the upcoming academic year. A complete financial aid file is re q u i red for consideration, and parental financial data must be included on the Free Application for Federal Student Aid (FAFSA). The deadline for receipt of these documents is April 1st. No additional applications are necessary. To ensure the fund's growth to help future students, recipients are encouraged to make donations to the respective fund upon graduation and when they are financially able. It is expected that grant and scholarship recipients write a note of appreciation to the sponsor. 1. AARON & JULIA BRENNER SCHOLARSHIP This grant is offered to medical students who would otherwise be unable to continue their education. The grant was established in 1993 by Be r n a rd 17 6. ROBERT WOOD JOHNSON SCHOLARSHIP This grant was endowed by the Robert Wood Johnson Foundation to help fund the education of d e s e rving PCOM medical students. Philadelphia Campus Only. 7. THE BENJAMIN AND MARY SIDDONS MEASEY FOUNDATION SCHOLARSHIP In its support of medical education in the Philadelphia area, The Measey Foundation funds annual scholarships to second, third and fourth year medical students. Philadelphia Campus Only. 8. OFFICE DEPOT SCHOLARSHIP The company provides an annual contribution that is given to financial needy students selected by the Financial Aid Office. No application necessary. 9. ANNA & ISIDORE ROSEMAN AWARDS The Anna & Is i d o re Roseman Foundation was established to provide scholarships toward tuition, fees, books and living expenses of deserving medical students. Philadelphia Campus Only. 10. DR. THOMAS M. ROWLAND, JR. MEMORIAL SCHOLARSHIP This grant was created in memory of Dr. Thomas M. Rowland, Jr., PCOM’s fourth president. The scholarship fund was established with contributions from alumni, family and friends to help fund the education of deserving medical students. 11. MR. & MRS. MORRIS M. WAGMAN STUDENT AID FUND This grant was established in 1978 by Sheldon P. Wagman, D.O., Class of 1967, to honor his parents, Mr. and Mrs. Morris M. Wagman, while assisting medical students. Philadelphia Campus Only. 12. MINORITY MEDICAL STUDENT SCHOLARSHIP This scholarship was established with contributions f rom PCOM alumni, trustees, employees, foundations and corporations, for financial assistance to the following under-represented minority groups: African American, Native American, Puerto RicanMainlander, and Mexican-American. Recipients are first year under-represented minority students, with outstanding academic credentials who are citizens or 18 permanent residents of the United States. The amount of the scholarship is dependent upon availability of funds. PCOM Scholarships for Medical Students PCOM’s Faculty Committee on Honors and Awards a w a rds the following scholarships. These scholarships are available because of contributions made to The PCOM Foundation by sponsors who take pride in helping PCOM students meet their financial obligations. The scholarships are a gift and do not need to be repaid. However, recipients are encouraged to make donations to the respective fund upon graduation and when financially able. This ensures the fund’s growth to help future students. Recipients are selected in the spring term and the award is applied to tuition for the following fall term. A complete financial aid file is re q u i red for consideration and parental financial data must be included on the Free Application for Federal Student Aid (FAFSA), when financial need is a requirement. It is expected that scholarship recipients write a note of appreciation to the sponsor or trustee. 1. DR. ETHEL D. ALLEN MEMORIAL SCHOLARSHIP This scholarship was created by the William Penn Foundation, in memory of Ethel D. Allen, D.O., Class of 1963, who was Philadelphia’s first black councilwoman, and Pennsylvania’s highest ranking black woman as Secretary of the Commonwealth. Two $5,000 scholarships are awarded annually to first-year minority women medical students who demonstrate financial need and academic excellence with preference given to students from Philadelphia. A decision is made after the second term of the first year. Philadelphia Campus Only. No Application Required 2. ALUMNI ASSOCIATION OF PCOM SCHOLARSHIP This scholarship was established with donations to The PCOM Mission capital campaign by the Alumni Association of PCOM, graduates and friends of the College. This scholarship is awarded to second year medical students who place in the top 15% of their class, participate in Student Gove r n m e n t and/or extra-curricular activities and demonstrate financial need. A 150-word essay indicating your qualifications for the scholarship must be submitted. Applications are available in November with a deadline in December. The amount of the scholarship is dependent upon availability of funds. Application Required 3. AUXILIARY TO THE AMERICAN OSTEOPATHIC ASSOCIATION (AAOA) Each year the AAOA offers scholarships to outstanding students who are attending osteopathic colleges throughout the country. This scholarship is awarded at the end of the year to a rising third-year student. The Faculty Committee on Honors and Aw a rds re v i ews eligible candidates and makes recommendations to the AAOA Scholarship Committee. The amount of the scholarship is $5,000. Candidates must rank in the top 10% of their class, demonstrate academic and clinical achievement, a strong commitment to osteopathic philosophy with an interest in family practice and be active in extra-curricular activities. No Application Required 4. MARTHA & MICHAEL J. AVALLONE MEMORIAL SCHOLARSHIP This scholarship was established by Michael F. Avallone, Sr., D.O., Class of 1959, in memory of his parents, Martha and Michael J. Avallone. One or m o re scholarships may be awarded annually. Candidates must be second or third year medical students in good academic standing, have a totally disabled parent or have lost one or both parents, be residents of Pennsylvania and demonstrate financial need. The maximum scholarship awarded annually to any one recipient will not exceed $5,000. Philadelphia Campus Only. Application Required 5. DR. FREDERIC H. BARTH SCHOLARSHIP The Scholarship was established in memory of Dr. Barth who was elected President of the Philadelphia College of Osteopathic Medicine in June, 1956 and served until 1974 when he was appointed the first Chancellor of the Philadelphia College of Osteopathic Medicine, a position he held until his death in 1976. The fund provides one scholarship in the amount of $7,500 to a member of the second19 year DO Class, Philadelphia Campus, selected by the faculty Honors and Aw a rds Committee. Any additional income generated by the fund is distributed to financially needy DO students. No Application Required 6. BOARD OF TRUSTEES SCHOLARSHIP FOR SIBLING/SPOUSE The Board of Trustees of Philadelphia College of Osteopathic Medicine established this scholarship for those students in the D.O. program who have a sibling or spouse currently enrolled in any of PCOM’s programs. The amount of the scholarship is $1,000. No Application Required 7. THE DR. ANGUS GORDON CATHIE SCHOLARSHIP FUND TRUST This fund was established in memory of Angus Gordon Cathie, D.O., Class of 1931, professor and Chairman of the Department of Anatomy from 1944-1970, devoted physician, able teacher and diligent investigator of human anatomy and osteopathic principles and practice. The successful candidate must submit an essay, and show academic excellence and significant interest in anatomy and osteopathic manipulative medicine. Selection is made by the Angus Gordon Cathie Scholarship Committee upon recommendation of the Chairpersons of the Departments of Anatomy and Osteopathic Manipulative Medicine. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. No Application required 8. THE CLASS OF 1996 SCHOLARSHIP The Class of 1996 Scholarship was established in memory of three classmates – Michelle Andrews, David Atlas and Joseph Krobert – who passed away while enrolled at PCOM. The recipient shall demonstrate financial need and be in good academic standing by being in the upper two-fifths of the class at the end of the first year. Application required 9. RICHARD E. COLARUSSO, D.O., MEMORIAL SCHOLARSHIP This scholarship is awarded annually in memory of Richard E. Colarusso, D.O., Class of 1966, who practiced family medicine in Pittston, Pennsylvania. Candidates must be third or fourth year medical students from Lackawanna or Lu zerne County, Pennsylvania, in good academic standing with demonstrated financial need. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. No Application Required 10. MARY F. T. CONROY MEMORIAL SCHOLARSHIP This scholarship was established in memory of Mrs. Conroy by her husband James F. Conroy, DO’65 and her children Mary P. Conroy, BS and Carol E. Conroy, JD. The scholarship is awarded each year to a fourth year, female osteopathic medical student who has demonstrated financial need, and, in the judgment of the Faculty Committee on Honors and Awards, shows the greatest interest in pursuing a career in internal medicine. Preference is given to a student from the state of Rhode Island. Philadelphia Campus Only. No Application Required. 11. WILLIAM F. DAIBER, D.O., MEMORIAL SCHOLARSHIP William F. Daiber, D.O., Class of 1928 had a life long invo l vement with Philadelphia College of Osteopathic Medicine serving for many years as Professor and Chairman of the De p a rtment of Internal Medicine and Program Director of Cardiovascular Training. Dr. Daiber was honored with PCOM's most prestigious award, the O.J. Snyder Memorial Medal in January of 1973. This Scholarship is established in memory of Dr. Daiber with a gift by a childhood friend, Miss Gertrude Baker. Scholarship candidates must be a second year DO student in good academic standing with demonstrated financial need. No Application Required 12. CLIFFORD G. DORF MEMORIAL SCHOLARSHIP This scholarship was established by friends and family in memory of Clifford G. Dorf, a medical student who would have graduated with the Class of 1988. Candidates must be third or fourth year 20 medical students in good academic standing, demonstrate financial need and show exemplary leadership qualities since matriculating at PCOM. Preference is given to graduates of Lafayette College if they meet the other qualifications. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. No Application Required 13. THE LEONARD H. FINKELSTEIN, D.O., SCHOLARSHIP This scholarship was established with donations to The PCOM Mission by the late Richard M. Papa, D.O., Class of 1975 and Leonard H. Finkelstein, D.O., Class of 1959 and PCOM's sixth president, along with family and friends. The Leonard H. Finkelstein, D.O., Scholarship is awarded to a fourth year student with a demonstrated interest in the field of urology, as shown by participation in urology c o n f e rences, urologic re s e a rch and/or published writings. The amount of the scholarship is dependent upon availability of funds. All scholarship awards are applied to loan obligations carried by the student. Final selection will be made by the PCOM Faculty Committee on Honors and Awards based upon recommendations from the Department of Urology, the Urology Program Director and attending urology staff. Philadelphia Campus Only. No Application Required 14. THE JACK M. FIREMAN, D.O.’70 SCHOLARSHIP The Jack M. Fireman, D.O.’70 Scholarship was established by Dr. Fi reman in 2006. The scholarship is awarded to a second-or third-year student enrolled in the DO program, who is in good academic standing with demonstrated financial need. The student must be a resident of Rhode Island, who intends to return to Rhode Island to practice. Special consideration is to be given to students entering family practice, internal medicine or pediatrics. No Application Required 15. THE FIVE BROTHERS MEMORIAL SCHOLARSHIP The Fi ve Brothers Memorial Scholarship was established by Harry Ginsburg, D.O., Class of 1942 in memory of his five brothers: Herman; Morris; Louis; Joseph, D.O. ‘53; and Abraham, D.O. ‘53. It seeks to provide financial assistance to a second year DO student who places in the upper one-third of the class, and who demonstrates financial need. The successful candidate must be of good moral character, show humanitarian qualities and express an interest in primary care medicine. The Faculty Committee on Honors and Awards will make final selection of recipient. Philadelphia Campus Only. No Application Required 16. THE ADELE AND HERBERT GORIN SCHOLARSHIP This scholarship was established by Roy L. Gorin, DO ’72, to honor his parents. It seeks to provide financial assistance to an osteopathic medical student who is completing her/his third - year clinical clerkship and who has demonstrated a commitment to the healthcare needs of the lesbian, gay, bisexual and transgender (LGBT) community. The recipient shall demonstrate financial need and be in good academic standing by being in the upper two-fifths of her/his class. Preference will be given to a student from the Philadelphia area who is a member of the LG BT community. The Faculty Committee on Honors and Awards shall recommend the recipient with the approval of the donor and/or his designee. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required 17. LEONARD P. HARMAN, D.O., STUDENT SCHOLARSHIP This scholarship award was endowed by Leonard P. Harman, D.O., Class of 1972, a family medicine physician in Philadelphia. This scholarship is to assist a married medical student with children, who demonstrates academic promise and financial need. The amount of the scholarship is between $500$750 per academic year. Philadelphia Campus Only. No Application Required 18. RAYMOND J. HARRIS TRUST FUND Raymond J. Harris has left the income of this Trust for Christian young men who desire to obtain a p rofessional education in either medicine, law, engineering, dentistry, architecture, such men to repay by voluntary contributions, thereby increasing the fund. This annual scholarship program is administered by the Mellon Bank Center who is the designated Trustee of the fund. Applications and 21 additional information are available in the Financial Aid Office in September. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required 19. HASSMAN FAMILY SCHOLARSHIP This scholarship was established in honor of the Hassman Family: Joseph M. Hassman, DO’65, Howard A. Hassman, DO’83; Elissa F. Hassman, DO’86, David R. Hassman, DO ’91 and Michael A. Hassman, DO’94. The scholarship is awarded each year to an osteopathic medical student who has demonstrated financial need, and, in the judgment of the Faculty Committee on Honors and Awards, shows the greatest interest in pursuing a career in family medicine. Pre f e rence is given to a student fro m the state of New Jersey. Philadelphia Campus only. No Application Required 20. EDITH F. HERRIN TRUST FUND Edith F. Herrin designated her trust fund to be used as medical scholarships offering financial help to deserving, accredited students either men or women, attending accredited medical schools in Philadelphia. This annual scholarship program is administered by the Mellon Bank Center who is the designated Trustee of the fund. Applications and additional information are available in the Financial Aid Office in September. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required 21. J. SYDNEY HOFFMAN MEMORIAL SCHOLARSHIP This scholarship, established by family and friends of the late Honorable J. Sydney Hoffman with donations to The PCOM Mission, seeks to perpetuate Judge H f f m a n’s memory by award s o made to deserving second year students who exemplify the leadership traits and dedication to the osteopathic profession so valued by Judge Hoffman. Judge Hoffman, a Philadelphia Superior Court Judge, joined the PCOM College Board of Trustees in 1957 and was named its Chairman in 1972. An award will be made to a second year student who places as one of the top 5 of the class, documents financial need and demonstrates leadership qualities as shown by involvement in extracurricular activities. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. No Application Required 21. ERNEST A. JOHNSON, D.O., MEMORIAL SCHOLARSHIP This scholarship program was provided in the will of Anna C. Johnson DO, Class of 1928, in memory of her husband, Ernest A. Johnson, D.O., Class of 1925. Candidates must be medical students who demonstrate financial need and academic excellence. Preference is given to applicants who are residents of South Carolina. The amount of the scholarship is dependent upon availability of funds. Philadelphia and Georgia Campus. No Application Required 22. THE JOHN D. KEARNEY SCHOLARSHIP The John D. Kearney Scholarship was established in memory of John D. Kearney (JD), a second year student at PCOM who died in 1999 while trying to rescue a friend on a hiking trail in Arizona. JD's parents, John and Lois Ke a r n e y, and siblings, Elizabeth, Drew, and Adam, established this scholarship as a way of celebrating JD's life and recognizing the potential of others who, like JD, seek to become truly osteopathic physicians - caring, hands-on, compassionate, and accepting of humanity's failings. The recipient of the scholarship should reflect JD's excellence in scholarship, his broad interests and love of people, and his attitude toward life which was, in his words, "carpe diem". One scholarship will be awarded annually to a second, third, or fourth year student who has shown academic merit as well as an interest in extracurricular activities, irre s p e c t i ve of financial need. Special preferences will be given to graduates of Wilkes University, Wilkes Barre, Pennsylvania, w h e re JD re c e i ved his undergraduate degre e ; however the scholarship is not limited to such students. Final selection of the student is made by the PCOM Faculty Committee on Honors and Awards. Philadelphia Campus Only. No Application Required 23. RUTH AND IRVING KORNBERG INTERNAL MEDICINE MEMORIAL SCHOLARSHIP Established by Bruce Kornberg DO, ’78 in honor of his parents. The scholarship is awarded each year to a financially needy student who, in the judgement of 22 the Honors and Aw a rds Committee, shows the greatest interest in pursuing a career in internal medicine. Pre f e rence will be given to a Jew i s h student, but if no appropriate candidate of that faith applies for the scholarship, it may be given to a nonJewish student who fulfills the other criteria. Philadelphia Campus Only. No Application Required 24. JOSEPH A. LACAVERA, JR. D.O., MEMORIAL SCHOLARSHIP This scholarship was established in 2000 in memory of Joseph A. LaCavera, Jr., D.O., Class of 1944, by his wife and family. The scholarship is awarded to a medical student with an identified physical disability, i.e. mobility or orthopedic impairment, hearing impairment, or visual impairment. If a qualified student does not apply, the scholarship may be awarded to a student who has a child meeting the same physical disability criteria. Philadelphia Campus On l y. Application Required 25. THE LAMBDA OMICRON GAMMA SCHOLARSHIP The Lambda Omicron Gamma (LOG) Scholarship is presented to a second, third or fourth year DO student who best exemplifies LOG?s history and mission. T h e Caduceus Chapter of LOG was established at PCOM by Jewish DO students who we re precluded from other fraternities because of their religion. Over the years, LOG opened its doors to women and minorities who were also excluded from the other fraternities, because of race or gender. Scholarship recipient selection is based on leadership qualities within the PCOM community as well as interest in and invo l vement with the external community. The recipient may not necessarily re p resent the most visible campus leaders, but rather those students who actively support the campus and the community. Financial need may be an additional criterion. Depending on the availability of funds, more than one recipient may be chosen; the intent of the fund is to provide a minimum scholarship of $5,000 per recipient. Selection is made by the Faculty Committee on Honors and Awards. No application required 26. CLARKE, AFF, LEAGUE SCHOLARSHIP FUND Mary Clarke League has left this money in trust for the purpose of assisting deserving medical students of the Caucasian race and Christian faith. It is a memorial to her mother, Clara M. Clarke, John E. Aff, Harry M. League and Mary Clarke League, h e r s e l f. This annual scholarship program is administered by the Mellon Bank Center who is the designated Trustee of the fund. Applications and additional information are available in the Financial Aid Office in September. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required 27. SARA AND BENJAMIN LINCOW PAIN MANAGEMENT MEMORIAL FOUNDATION SCHOLARSHIP This scholarship was established with donations to The PCOM Mission by Arnold S. Lincow, D.O., Class of 1976 and his family in memory of Dr. Lincow’s parents, Benjamin and Sara Lincow. The scholarship seeks to provide financial assistance to second and third year medical students exhibiting a p rofessional commitment in the area of pain management. The student must submit a 1000 word essay on the following question: Upon graduation from PCOM, how would you treat pain, using OMT alone or incorporating one or more of the following: pharm a c o l o gy, psychology, sociology? Final selection will be made by the Faculty Committee on Honors and Awards based upon recommendations from the Lincow Scholarship Committee. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus On l y. Application Required 28. THE REUBEN B. AND ESTELLE LOEB SCHOLARSHIP The Reuben B. and Estelle S. Loeb Scholarship was established by the family of Drs. Reuben and Estelle Loeb in honor and celebration of their contributions to the practice of medicine, to learning and to their community. The late Dr. Reuben Loeb, PCOM Class of 1952, was a much-loved family physician for nearly 50 years. His wife, the late Dr. Estelle Loeb, PCOM Class of 1953, practiced psychiatry for many years. The scholarship is awarded annually to a fourth year medical student who has demonstrated excellence in performance in PCOM urban health care clinics, and a commitment to assisting low income patients in urban areas. The student must demonstrate financial need. The amount of the scholarship is dependent upon availability of funds. 23 All scholarship awards are applied to loan obligations carried by the student. The PCOM Faculty Committee on Honors and Awards will make the final scholarship selections based upon recommendations by the faculty and staff at PCOM's urban health care clinics. Philadelphia Campus Only. No Application Required 29. BERNARD F. MASTER, D.O., SCHOLARSHIP This scholarship was established as a donation to The PCOM Mission by Bernard F. Master, D.O., Class of 1966, of Columbus, Ohio. It is for medical students intending to practice primary care medicine in an urban, medically underserved area. Candidates must be completing the third year in good academic standing, demonstrate financial need, and submit an essay indicating their intention to practice primary care in an urban, medically underserved area. The amount of the scholarship is dependent upon the availability of funds. Philadelphia Campus Only. Application Required 30. RUSSELL C. MCCAUGHAN SCHOLARSHIP This scholarship, awarded by the American Osteopathic Foundation, provides one scholarship to each osteopathic college for a student who has completed the first year of training. Candidates must show outstanding capabilities and strong motivation in osteopathic philosophy. Nomination is based on need, academic performance, participation in extra curricular activities, ability to work harmoniously with fellow students and faculty and future promise as an osteopathic physician. The amount of the scholarship is $400. No Application Required 31. NICHOLAS S. NICHOLAS, D.O., MEMORIAL SCHOLARSHIP This scholarship was established in memory of Nicholas S. Nicholas, D.O., with donations to the PCOM Mission by family, friends, and alumni. "Dr. Nick" was a beloved member of PCOM’s faculty and Chairman of the De p a rtment of OMM. This scholarship honors the many contributions Dr. Nicholas made to osteopathic medicine and PCOM. Candidates must have completed three years of curriculum (two didactic and one clinical), submit an essay indicating qualifications, show high academic achievement in osteopathic manipulative medicine and excellent physician/patient communication skills and demonstrate financial need. The amount of the scholarship is dependent upon the availability of funds. Philadelphia Campus On l y. Application Required 32. PARKVIEW SCHOLARSHIP This scholarship was established by the physicians of Parkview Hospital upon the closing of the hospital in August 2003. Parkview Hospital, an osteopathic institution, was founded by PCOM alumni and faculty and trained many PCOM students, interns and residents during its 60+ years as a well respected community hospital in lower northeast Philadelphia. Parkview physicians donated their re m a i n i n g hospital dues to PCOM to establish this scholarship in support of DO students and to honor the memory of the hospital. The scholarship is awarded each year to a second, third, or fourth year DO student who was raised and attended high school in Philadelphia, Bucks, M n t g o m e ry, Chester, or o Delaware County and who demonstrates financial need and academic excellence. The amount of the scholarship is dependent upon the availability of funds. Philadelphia Campus Only. No Application Required 33. JOANNE PIERINGER, PH.D., MEMORIAL SCHOLARSHIP This scholarship is awarded each year to honor Dr. Pi e r i n g e r, an outstanding PCOM educator, re s e a rcher, and community advocate. This scholarship will be awarded to a student who e xemplifies Dr. Pi e r i n g e r’s traits, including intellectual curiosity and concern for others within and beyond the PCOM community. It will be awarded to a student who demonstrates a strong interest in scientific research. Students from any of the College’s degree programs, in any year of study, are eligible to apply. Women are given priority for this scholarship. If no applicants with appropriate scientific research qualifications apply, it will be presented to a student who has demonstrated service within the PCOM community and to underserved communities. Philadelphia Campus Only. Application Required 34. POLYPROBE SCHOLARSHIP This scholarship was established with a donation to The PCOM Mission by Polyprobe Inc. to foster advanced study in molecular medicine. Candidates must submit a 1000 word scientific paper on the following question: What is your vision of the impact that molecular medicine will have on your future medical practice? Include past and current re s e a rch experience and submit a separate bibliographical sketch detailing education and work experiences. A letter of recommendation is optional. Scholarship is available to all students in good academic standing. Final selection will be made by the Faculty Committee on Honors and Awards based upon recommendations from the Polyprobe Scholarship Committee. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required 35. JAY ROSAN, D.O., PHILADELPHIA FUTURES SCHOLARSHIP This scholarship was established with a donation to The PCOM Mission by Jay R. Rosan, D.O., Class of 1971, to benefit inner city disadvantaged students attending medical school. Philadelphia Futures is an organization that seeks sponsors for Philadelphia public high school students, encouraging them to obtain college degrees through mentoring and financial support. Preference for scholarships is given to Philadelphia Futures graduates. If eligible applicants do not include Philadelphia Fu t u re s graduates, then consideration for scholarships will be given to inner city Philadelphia residents of African American or Hispanic background. Final selection is made by the Faculty Committee on Honors and Awards upon the recommendation of Dr. Jay Rosan. Philadelphia Campus Only. No Application Required 36. RUGBY SCHOLARSHIP The PCOM Rugby Scholarship is awarded each year to an active member of the Rugby team in good academic standing with demonstrated financial need. Should there be no appropriate nominee, the Honors and Awards Committee may award the scholarship to a student-athlete(s) who plays for a PCOM sports team and meets the academic and financial need criteria. Philadelphia Campus Only. No Application Required 24 37. DR. CORINNE SANTERIAN MEMORIAL SCHOLARSHIP IN PEDIATRICS Corinne Santerian, D.O., Class of 1987, passed away in April, 2001 at the age of 40. Her family has established this scholarship in her honor. The scholarship will be given to a second, third or fourth year student who has financial need and who has shown interest in a career in pediatrics. The College's Honors and Awards Committee will select the Santerian scholarship recipient upon the recommendation of faculty. Philadelphia Campus Only. No Application Required 38. GINA M. SIMELARO MEMORIAL SCHOLARSHIP This scholarship was established in 1986 by members of the Class of 1971, in memory of Gina M. Simelaro, daughter of Dr. and Mrs. John P. Simelaro, Class of 1971. Candidates must be entering their fourth year, be married with children and demonstrate financial need and academic achievement. The amount of the scholarship is dependent upon availability of funds. Philadelphia or Georgia Campus. No Application Required 39. LOUISA B. SMITH, D.O., MEMORIAL SCHOLARSHIP Louisa B. Smith, D.O., Class of 1925, established this scholarship in 1992, for a highly motivated female medical student. Candidate must show outstanding capability and strong motivation in osteopathic philosophy. When financially able, recipients are requested to make donations back to the fund equivalent to the original award plus 7% per annum. U.S. citizenship is required. The maximum scholarship awarded annually to any (1) recipient will not exceed $1,500. Philadelphia Campus Only. No Application Required 40. MICHAEL P. SZUTOWICZ, DO '72 MEMORIAL SCHOLARSHIP This scholarship was established in memory of Dr. Szutowicz by his family and friends. Dr. Szutowicz was a true family doctor who cared for hundreds of families, delivering their children and caring for them throughout their lives. The scholarship recipient must be a fourth year student, show a keen interest in a career in primary care, be a resident of Pennsylvania, and demonstrate financial need. 25 Selection will be made by the Faculty Committee on Honors and Awards based on the recommendation of the Department of Family Practice. The amount of the award is based on Board of Trustees endowment spending policy. Philadelphia Campus only. No application required. 41. JESSIE YOUNG MEMORIAL SCHOLARSHIP The Jessie Young Memorial Scholarship was established in memory of Jessie Young, the late wife of the College's Chancellor and Chairman of the Department of Surgery, the late Galen S. Young, Sr., DO '35. The scholarship is awarded to a second-year male or female student enrolled in the DO program, who exhibits strong osteopathic manipulative technical skills, as well as financial need. No Application Required 42. LEWIS M. YUNGINGER, D.O., MEMORIAL SCHOLARSHIP This scholarship was established in memory of Lewis M. Yunginger, D.O., Class of 1935, with a donation to The PCOM Mission by his widow, Ethel E. Yunginger. The scholarship is endowed with additional gifts from Dr. Yu n g i n g e r’s estate. Candidates must demonstrate academic excellence by placing in the top 10% of their class and must show financial need. The amount of the scholarship is dependent upon availability of funds. Philadelphia Campus Only. Application Required Scholarship Programs Exclusive to Medical, Physician Assistant & Clinical Psychology Students INDIAN HEALTH SCHOLARSHIP PROGRAM The Health Professions Scholarship Program is for American Indian and Alaska Native students, who are members of their Tribe (federally recognized only), enrolled in health professions and allied health professions programs. Students incur service obligations and payback requirements on acceptance of funding from this program. Priority is given to graduate students and junior- and senior-level students unless otherwise specified. Health Professions Scholarships are awarded for a one year period (12 months of support), with reapplication required for each year of continuation. Stipends are paid for the 12-month period beginning each year from August 1 through July 31 for health and allied health professional education up to four years full-time or up to eight years part-time. New applications are accepted and evaluated yearly and are due no later than March 28, 2008. Main IHS Scholarship Program Office Thompson Ave., Suite 120 Rockville, MD 20852 Phone: (301) 443-6197 Fax: (301) 443-6048 http://www.ihs.gov/JobsCareerDevelop/DHPS/Scho larships/index.html assigned for each school year or partial school year of scholarship support received, with a minimum 2-year service commitment, maximum 4-year commitment. Students must apply on line for the NHSC S c h o l a r s h i p. The application for 2008-09 is expected to be made available by the end of June, 2008. For further information, please visit the NHSC Web site. For inquiries specific to the application process, call or write: Division of National Health Service Corps NHSC Scholarship Program c/o Discovery Logic 1375 Piccard Drive, Suite 325 Rockville, Maryland 20850 1-800-638-0824 nhsc@discoverylogic.com Scholarship Programs Exclusive to Medical & Physician Assistant Students NATIONAL HEALTH SERVICE CORPS SCHOLARSHIP (NHSC) The National Health Se rvice Corps (NHSC) Scholarship Program is mandated by Congress to supply the NHSC with health care professionals trained in those disciplines and specialties most needed to deliver quality primary health care services in health professional shortage areas (HPSA’s) t h roughout the United States. The NHSC Scholarship Program is not a general financial assistance program for students of health-related disciplines; rather, it provides the NHSC with the committed health professionals it needs to carry out its mission of providing primary health care to HPSA populations in areas of greatest need. The NHSC Scholarship Program is a competitive Fe d e r a l p rogram that awards scholarships to students pursuing primary care health professions training in return for this service commitment. The scholarship consists of payment for tuition, fees, other reasonable educational costs, and a monthly support stipend. In return, the students agree to provide 1 year of service in the HPSA of greatest need to which they are 26 Scholarship Programs Exclusive to Physician Assistant Students AMERICAN ASSOCIATION OF SURGICAL PHYSICIAN ASSISTANTS (AASPA) The Association will award one $600 scholarship yearly to students in either their didactic or clinical year. To qualify the physician assistant student must be enrolled in either a PA program with a surgical focus or demonstrate a surgical commitment based on clinical rotations, demonstrate a financial need, be in good academic standing, and be a student member of AASPA in good standing. Application materials must be postmarked by August 1st. Chair, Student Scholarship Committee AASPA PMB 201 4267 NW Federal Highway Jensen Beach, FL 34957 888-882-2772 phone 772-388-3458 fax https://www.aaspa.com/Scholarship.asp ASSOCIATION OF PHYSICIAN ASSISTANTS IN CARDIO VASCULAR SURGERY (APACVS) Physicians Assistants in Cardiovascular Education, a professional organization that promotes continuing medical education for physician assistants working in the field of cardiovascular and thoracic surgery, awards scholarships each year to physician assistants enrolled in a Post Grad Residency Program with the desire to enter these subspecialties upon graduation. Scholarships are available to all PA surgical residents who are planning to enter card i ovascular and thoracic surgery. Completed applications must be received by October, 2008. Scholarships will be awarded in January 2009. The applicant must be a student member of the APACVS in order to apply. (Membership information is available by contacting the APACVS; the Student Membership annual dues are $25.00.) Scholarship Committee PA’s in Cardiovascular Education P.O. Box 4834 Englewood, CO 80155 Phone: (303) 221-5651 Toll Free: (877) 221-5651 http://www.apacvs.org/ ASSOCIATION OF FAMILY PRACTICE PHYSICIAN ASSISTANTS (AFPPA) The AFPPA offers two scholarships each year to students interested in family practice. Scholarships a re awarded annually in early September. The primary scholarship in the amount of $1000 is for a PA student who has been in an accredited PA program for more than 12 months. A secondary scholarship in the amount of $500 will be awarded to a student with 12 months or less of PA education. Time in training is based on the September 1, date of the year applied for. Membership applications are accepted year round with the deadline for the year being July 6th. Student Scholarship Committee Chair Rene McCarty, PA-C 1943 Catalpa Rd. Big Sandy, TX 75755 Home 903-636-5009 scholarshipchair@afppa.org www.afppa.org ASSOCIATION OF PHYSICIAN ASSISTANTS IN ONCOLOGY ANNUAL SCHOLARSHIP (APOA) The APAO is a non-profit specialty organization affiliated with the American Academy of Physician Assistants that consists of PA’s working in the field of 27 oncology. Members practice in both clinical and research settings. A $2,500 scholarship is offered annually to a 2nd-year Physician Assistant student. The scholarship is intended to help defray the cost of PA education for a student who is interested in pursuing a career in oncology. The scholarship is awarded at the annual AAPA National Conference. Five Hundred ($500) of the total scholarship is allotted for the recipient’s travel expense; the other $2000 is unrestricted. The winner is stro n g l y encouraged to receive the scholarship in person at the conference. If this is not possible, the total amount awarded to the winner is $2000 (travel expenses deducted from the initial $2500). Students must meet all of the following in order to be eligible: AAPA member (or applicant) Clinical phase (completed basic science courses) PA student in a ARC-PA-accredited program Applicant has not previously received a PA foundation or other specialty organization scholarship • Applicant has a strong interest in pursuing a career in the oncology field and must have completed or plan to complete a clinical rotation in and oncology specialty • Applicant must not graduate before June of application year (2008). • Applicant must have a minimum GPA of 3.0. Application materials must be postmarked by March 1, 2008. Risa Zimmerman APAO Scholarship Committee 950 North Washington Street Alexandria, VA 22314 rzimmerm@unmc.edu http://www.apao.cc/home.html AMERICAN ACADEMY OF PHYSICIAN ASSISTANTS Any student member of the American Academy of Physician Assistants who is attending an ARC-PAaccredited PA program and is in the professional phase of their program is eligible to apply. Scholarships are awarded based on the availability of funds provided through contributions from AAPA members, individuals, and corporations. Previous PA Foundation scholarship recipients are NOT eligible. • • • • Applications will be reviewed and judged on the basis of financial need, academic record, community and professional activities, and future goals as a physician assistant. You will be notified in May 2008 of the Scholarship Committee's decision. All monies awarded will be distributed in May 2008, and all recipients will be recognized in published format at the AAPA's 36th Annual PA Conference in San Antonio, TX. All application materials must be postmarked by January 15, 2008. PA Foundation Scholarship Committee 950 North Washington Street Alexandria, VA 22314-1552. 703/519-5686 www.aapa.org/paf/app-scholarship.html PHYSICIAN ASSISTANTS IN ORTHOPEDIC SURGERY SCHOLARSHIP AWARD PROGRAM (PAOS) The Susan Lindahl Memorial Scholarship was established in 1998. If funds permit, two $500 scholarships are awarded yearly to deserving physician assistant students who are considering a c a reer in orthopedics. Application deadline is August 1, 2008. Requirements: • Must be a current PA student in a current CAAHEA/CAAHEP or ARC-PA approved program. • Must be first year student entering your second year with an interest in orthopedic care. • Letter from your PA Program Director and two reference letters from prior or current professors. • Letter stating your interest in pursing an orthopedic career along with any supporting activities, prior education, and/or experience. PAOS, INC, PO Box 10781 Glendale AZ 85318-0781 Phone (800) 804-7267, Fax (623) 581-0085 info@paos.org http://www.paos.org/pascholarship.html SARA SOMERS RUPERT, RN, CLASS OF 1933 SCHOLARSHIP Mrs. Sara Somers Rupert, a graduate of PCOM’s School of Nursing, Class of 1933, established this scholarship with a donation to the PCOM Mission. Applicant must be a junior student in the Physician Assistant Program and must demonstrate the humanistic, caring and compassionate qualities of a future Physician Assistant, financial need, scholarly work and involvement in student activities. The amount of the scholarship is dependent upon the availability of funds. Final selection will be made by the Faculty Committee on Honors and Awards, based upon the recommendations of the faculty of the Department of Physician Assistant Studies. Application Required SOCIETY OF EMERGENCY MEDICINE PHYSICIAN ASSISTANTS (SEMPA) The Society of Emergency Medicine Ph y s i c i a n Assistants grants scholarships each year to second ye a r PA students who plan to pursue a career in emergency medicine. This ye a r, SEMPA will award one-$1,000 scholarship and four-$500 scholarships. Applicants must be current SEMPA members in good standing and be enrolled in an approved Physician Assistant Program. Applicants must meet one of the following criteria: • Applicants must be interested in pursuing a career in emergency medicine and have previous experience in an aspect of emergency medicine. This experience includes, but is not limited to, working as a paramedic, EMT, emergency room tech, search and rescue, independent duty corpsman, emergency d e p a rtment nurse or orderly. Experience working in a remote or rural site that handles emergencies routinely is also acceptable. • Applicants must have demonstrated an interest in and a pursuit of emergency medicine by their didactic and clinical rotations that are pertinent to emergency medicine. This interest must be verified by a faculty member. Applicants may apply by completing the scholarship application form and sending it electronically to bbeatty@sempa.org; or by mailing a hard copy with all other portions of the application the address below. All submissions must be received electronically or postmarked by January 15, 2008. Awards are announced in March. 28 Debbie Sullivan, PhD, PA-C SEMPA Headquarters Office 222 South Westmonte Drive, #101 Altamonte Springs, Florida 32714 www.sempa.org/scholarships.asp AMERICAN MEDICAL WOMEN’S ASSOCIATION AMWA FOUNDATION Travel Award Scholarships AMWA students are eligible for up to $300 for use in traveling to the National Meetings. Chapter Grant Scholarships AMWA will offer 3 (three) grants per semester, for a total of 6 (six) grants per school year, with each grant totaling up to $300. Applications are due August 1 at 12:00 p.m. PST for events occurring during the Fall semester, and January 1 at 12:00 p.m. PST for events occurring during the Spring semester. Regional Conference Scholarships Each region, through their respective RSC, may apply annually for one $300 Regional Conference Scholarship. Up to 8 grants will be given nationally per year. This scholarship is to be used solely by Regional Student Coordinator to assist in funding regional conferences. The AMWA Regional Conference Scholarship Application must be submitted at least 45 days prior to the conference dates to ensure a prompt disbursement of funds. Tuition Need-Based Scholarships The AMWA knows that the cost of medical education can be daunting and sometimes frightening, and would like to help. Supporting medical education is important to them, and in this light, will award two $1000 scholarships to women currently enrolled in medical school. Awardees will be chosen based on need as well as embodiment of the goals of AMWA. We require a recommendation letter, to be written by a faculty member of your choice, and we also ask that provide us with your EFC summary of this year’s FAFSA document. Completed applications are due to amwa.awards@gmail.com by June 15th, 2008 at 12pm PST. Recommendation letters and EFC summary should be mailed to AMWA headquarters. Scholarship application may be downloaded from the Website. Please note to be eligible for all scholarships and awards you MUST be a registered National AMWA Member. For further information on all scholarships and grants, please visit the Web site. Private Scholarship Sources for Medical Students ALABAMA OSTEOPATHIC MEDICAL ASSOCIATION The AOMA Board of directors awards scholarships to applicants by majority vote. The AOMA currently awards two $5,000 scholarships annually. The dollar amount shall be set by the Board from time to time. Applicant should be from Alabama and must indicate in writing their intention to practice medicine in Alabama following completion of their residency training. Applicant must have successfully completed their first year of training and in good standing with an AOA-accredited medical school. Scholarships shall be awarded without regard to the gender, religious preference, race or national origin of the applicant. Financial need shall, however, be considered. No applicant shall be considered unless they have filed a written application with the Board. No applicant who is a first order relative of any officer or Board member of this association shall be a w a rded a scholarship. Application: Provide a biographical letter containing pertinent information re g a rding background, how/why yo u ' ve chosen osteopathic medicine as your profession, pre-medical education information, statement of reason/need for financial assistance. Provide reference from at least one osteopathic physician currently in practice in the State of Alabama. A transcript of grades is also required. Application deadline is June 1, 2008. Alabama Osteopathic Medical Association E. Jason Hatfield, D.O., Secretary-Treasurer P.O. Box 1857, 200 Carraway Drive Suite 1 Winfield AL 35594 Telephone: (205) 487-3625 FAX: (205) 487-7559 http://www.aloma.org/ 29 American Medical Women’s Association 100 North 20th Street, 4th Floor Philadelphia, PA 19103 215-320-3716 (phone);866-564-2483 (toll free) 215-564-2175 (fax) AMERICAN OSTEOPATHIC FOUNDATION The American Osteopathic Foundation offers the following grants, scholarships and awards: Donna Jones Moritsugu Memorial Award Honors the spouse of a graduating medical student from each college of osteopathic medicine. This individual best exemplifies the role of a professional's p a rtner by providing immeasurable support of his or her mate, family, and the osteopathic pro fe s s i on , while being an individual in their own right. Recipients will be presented with a prestigious plaque. Nomination packets must be re c e i ved by Ma rch 5, 2008. AOA Presidential Memorial Leadership Award The recipient will be an osteopathic medical student who will be in their 2nd, 3rd or 4th-year of studies in the fall of 2008 and is a current SOMA member. This individual has outstanding academic achievements, strong leadership skills, and is committed to the osteopathic profession. - One recipient will be presented with a $3,000 award. Nomination packets must be re c e i ved by Ma rch 28, 2008. William G. Anderson, DO, Minority Scholarship The recipient will be a minority osteopathic medical student who is committed to osteopathic medicine; has excelled academically; and has demonstrated leadership efforts in addressing the educational, societal, and health needs of minorities. - On e recipient will be presented with a $5,000 scholarship. Applications must be re c e i ved by Ma rch 28, 2008. Savvy Student Traveler Program A $750 travel grant is awarded to one osteopathic medical student from each AOA accredited college of osteopathic medicine. Grant provides funding to first-time student attendees to the AOA Annual C o n vention and Scientific Seminar. Applications must be re c e i ved by April 4, 2008. Procter & Gamble COMLEX PE Scholars Grant Ten $1,000 grants will be awarded annually to 3rd or 30 4th year osteopathic medical students to help defray the cost of taking COMLEX-USA Level 2-PE. The Dean of each COM may nominate one wort h y student. Applications must be re c e i ved by April 4, 2008. Russell C. McCaughan, DO, Education Scholarship Provides a $400 scholarship to one osteopathic medical student, who will be entering their second year of studies, from each AOA approved college of osteopathic medicine. The recipients must be committed to osteopathic medicine, exc e l academically, and have demonstrated financial need to cover the cost of their osteopathic education. Nomination packets must be re c e i ved by April 25, 2008. Welch Scholars Grant Provides $2,000 grants to osteopathic medical students, entering their 2nd, 3rd or 4th year of studies during, from each AOA approved college/school of osteopathic medicine. The recipients must be committed to osteopathic medicine, exc e l academically, and have demonstrated financial need while completing his/her osteopathic education. The number of recipients per COM/SOM is based on enrollment statistics. Applications must be re c e i ved by April 25, 2008. Burnett Osteopathic Student Re s e a rc Award h This $2,000 award will be presented annually to one osteopathic medical student for the most outstanding concept paper pertaining to an osteopathic-oriented re s e a rch proposal. Applications must be re c e i ved by May 16, 2008. Jacqui Golding, Program Specialist American Osteopathic Foundation 142 E. Ontario St reet Chicago, Il 60611 312-202-8235 (phone); 312-202-8216 (fax) jgolding@aof-foundation.org www.aof-foundation.org SHERRY R. ARNSTEIN NEW STUDENT MINORITY STUDENT SCHOLARSHIP This award, named after former AACOM Executive Director Sherry R. Arnstein, recognizes one newly accepted and one continuing underre p resented minority student at AACOM's member colleges of osteopathic medicine. The award amount for 2008 will be $1,500. To be eligible, an applicant must be an underrepresented minority (African-American; Na t i ve American, including American In d i a n s , Alaska Natives, and Native Hawaiians; mainland Puerto Rican, or Hispanic) student in good academic standing and currently enrolled in his or her first, second, or third year at an AACOM member college of osteopathic medicine OR an underrepresented minority student who has been accepted and is planning to matriculate at one of the AACOM member colleges. Previous Arnstein Scholarship awardees are ineligible. Entries must be post-marked by March 31, 2008. All entries must include the required Cover Page, with all appropriate signatures, in addition to the required essay. Incomplete entries will not be considered. Awardees will be notified by July 21, 2008. Arnstein Minority NEW Student Scholarship AACOM Office of Government Relations 5550 Friendship Boulevard, Suite 310 Chevy Chase, MD 20815-7231 (301) 968-4151 www.aacom.org BALTIMORE CITY MEDICAL SOCIETY FOUNDATION , INC. The Baltimore City Medical Society Foundation provides scholarships to medical students who are permanent residents of Ba l t i m o re City. All qualifying applicants will be considered. Awards are based on financial need, academic achievement, and personal qualities, which in the judgment of the Scholarship Committee demonstrate promise of success in the pursuit of a medical or osteopathic degree. Although there is no payback provision in the scholarship program, students are encouraged to return to practice in Ba l t i m o re City follow i n g completion of their training. The deadline is June 1. Student must be enrolled in medical school. BCMS Foundation 1211 Cathedral Street 3rd Floor Baltimore, MD 21201 410.625.0022 (phone); 410-385-0154 (fax) info@bcmsdocs.org www.bcmsdocs.org 31 GEORGE BENES, M.D. SCHOLARSHIP One year scholarships available to gay or lesbian students enrolled in medical school. Awards are approximately $4,000. George Benes, M.D.Scholarship 1234 Market Street, Suite 1800 Philadelphia, PA 19107 215-563-6417 (phone); 215-563-6882 (fax) www.philafound.org THE BETTY FORD SUMMER INSTITUTE A unique learning experience for medical students to gain understanding and insight into addictive disease and the recovery process. Successful applicants to this program have the opportunity to spend five days experiencing what it is like to be a patient or a family member at the Betty Ford Center. Placements are available in the following programs: inpatient treatment, residential day treatment, or family p rogram. All selected participants will re c e i ve a scholarship. The scholarship includes tuition, travel (limited), lodging, materials, support materials and on-campus meals. Participant selection is made by committee and is based in part on the quality of the completed application packet. Applications must be received no later than March 21, 2008. Participants selected will be notified by telephone by approximately April 15, 2008. All other applicants will be notified by regular mail or e-mail by approximately April 30, 2008. Betty Ford Summer Institute http://www.bettyfordcenter.org/training/summerinst/ 760-773-4108 (phone) traindept@bettyfordcenter.org CAMBRIA COUNTY MEDICAL SOCIETY SCHOLARSHIP The Cambria County Medical Society awards the J.B. Lowman Scholarship to a resident of Cambria County, Pennsylvania who has been accepted to an accredited medical school. The applicant must demonstrate financial need. The amount of the scholarship is $1,500 and is renewable annually. Application deadline is July 15. Cambria County Medical Society J.B. Lowman Scholarship Fund PO Box 36 47 Osborne Street Johnstown, PA 15907 (814) 535-5493 MEDICAL SOCIETIES OF THE COUNTIES OF CHENANGO AND OSTEGO, NY The Medical Societies of the Counties of Chenango and Otsego make Lee C. Van Wagner Scholarship Loan Fund awards to applicants who are legal residents of Chenango or Otsego Counties, State of New York. Recipients must agree to practice in the County of Chenango or Otsego for one year, or to pay back any monies received (plus interest) within 5 years of completing a qualified residency or f e l l owship program. Loan amounts fluctuate depending upon the number of applications received and the amount in the Scholarship Loan Fund. Those interested should submit an application before the July 1st deadline. Kathleen E. Dyman, Executive Vice President Medical Society of the County of Chenango 4311 Middle Settlement Road New Hartford, NY 13413-5317 kdyman@medsocieties.com 315-735-2204 (phone); 315-735-1608 (fax) REUBEN COHEN, M.D. & DOROTHY S. COHEN MEDICAL SCHOLARSHIP FUND This scholarship was funded under the Will of Do rothy Cohen, formerly of the city of Ventnor in Atlantic County, New Jersey. The fund is also named in memory of Do rothy Cohen’s late husband, Dr. Ruben Cohen, who attended medical school in Philadelphia, Pennsylvania. The scholarship is to be used to cover the cost of tuition, and awarded to w o rthy Jewish male and female students who have financial need, and have been admitted to a fully accredited medical school in Philadelphia, Pennsylvania. Applications are available in the PCOM Financial Aid Office. Application deadline is May 1. Fleet National Bank, Trustee Not-For-Profit Institutions Mail Stop: NJRP 47402C 1125 Route 22 West Bridgewater, New Jersey 08807 32 Attn: Reuben Cohen, M.D. and Dorothy S. Cohen Scholarship (888) 821-4204 THE COMMUNITY FOUNDATION FOR GREATER BUFFALO The Community Foundation for Greater Buffalo offers a scholarship program for graduate level study in medicine for students who are residents of Erie County, New York. Awards are based on financial need. To be eligible you must be a resident of Erie County and accepted for admission to medical school. Awards range from $200 to $4,500 which is determined by the Foundation’s Board of Directors. After March 1, applicants must request an application in writing or contact the foundation online. Application forms will be sent by mail through mid May. To keep your application active, if your financial aid package is not available, provide us with your prior year’s financial aid package before July 1. The Community Foundation for Greater Buffalo 712 Main Street Buffalo, NY 14202-1720 (716) 852-2857 Fax (716) 852-2861 www.cfgb.org THE DIMER SCHOLARSHIP PROGRAM For the 2008-2009 academic year, the D l a w a re e Institute of Medical Education and Re s e a rc h (DIMER) Board of Directors offers a scholarship to first, second, third and fourth year medical students who are residents of the state of D l a w a re. In addition, e medical students who re p o rted parental income on Step Four of the FAFSA will be given consideration for a DIMER need-based scholarship. The amount of this award is dependent upon the availability of funds. Students whose tuition and fees for the 2008-2009 academic year are fully paid by another scholarship program are not eligible for DIMER funding. Further information may be obtained from the PCOM Financial Aid Office, which will notify eligible students at the start of the Fall term. State of Delaware Higher Education Commission Carvel State Office Building 820 North French Street Wilmington, Delaware 19801 302-577-3240 800-292-7935 www.doe.state.de.us/high-ed FRANK AND LOUISE GROFF FOUNDATION Students who graduated from a public high school in Monmouth County, New Jersey, and are studying for their M.D. degree, should apply for this scholarship. Applications are available upon request after January 1. Applications are due March 15. Frank and Louise Groff Scholarship Susan Rechel, Educational Advisor 15 Floyd Wycoff Road Morganville, N.J. 07751 732-842-8000, Ext. 213 srechel@verizon.net KENNETH AND BESSIE LADEAU TRUST FUND Applicant must be a third or fourth year medical student in good academic standing who demonstrates a need for financial assistance. Preference is given to students interested in cancer research and heart disease, and to those who are residents of Vermont or New Hampshire. Awards vary from $300 to $500 to each eligible applicant. L. Raymond Massucco, Trustee Kenneth & Bessie Ladeau Trust, Kissell & Massucco 90 Westminister Street Bellows Falls, Vermont 05101 800-726-3203 (phone) 802-463-2222 (fax) LANCASTER MEDICAL SOCIETY FOUNDATION SCHOLARSHIP The Lancaster City and County Medical Society offers a $1,000 per year scholarship for 1st year medical and osteopathic students. One student per year is chosen and this continues for 4 years of study. The student must be a resident of Lancaster County, Pennsylvania. The award is based on scholarship and need. Application deadline is August 1st. Lancaster City and County Medical Society 137 E. Walnut Street Lancaster, PA 17602 (717) 393-9588 THE LANCASTER OSTEOPATHIC HEALTH FOUNDATION SCHOLARSHIP The Lancaster Osteopathic Health Fo u n d a t i o n (LOHF) in Lancaster, Pennsylvania will award two scholarships to students entering osteopathic medical school at PCOM in August 2008. Each scholarship is for $10,000 per year, for all four years of school (as long as the student continues to meet PCOM standards), for a total of $40,000. Applicants must be must be residents of Lancaster County, or be graduates of a Lancaster County College or University with at least two years full time credit taken at one of the three Lancaster County Colleges - Franklin & Marshall College, El i z a b e t h t own College, or Millersville University. Ad d i t i o n a l requirements to be submitted: Documentation of admission to PCOM; transcripts and MCAT scores; two letters of recommendation, one from an osteopathic physician, and one prepared by their premed advisor and/or pre-health committee; detailed description of undergraduate community engagement, and interest in osteopathic medicine; evidence of financial need through the FAFSA or other means. Scholarship finalists will be interviewed by a selection committee at the Foundation office in Lancaster. Early application is strongly encouraged. Deadline for submission of applications is Monday, June 2, 2008. Questions should be directed to your pre-med advisor, or to the Foundation by email at info@lohfoundation.org or phone at (717) 397-8722. Lancaster Osteopathic Health Foundation 128 East Grant Street, Suite 104 Lancaster, PA 17602 (717)- 397-8722 www.lancasterosteopathichealthfoundation.org LEBANON COUNTY MEDICAL SOCIETY The Lebanon County Medical Society offers a scholarship to Lebanon County residents who plan to pursue a healthcare profession. In addition, graduates must be accepted in a health institution. The range of scholarships is from $500 to $2,500. The top of the range is generally reserved for physicians. Applications must be received by April 30. Medical Careers Scholarship 1524 Elm Street Lebanon, PA 17042 (717) 270-7500 33 ELSIE B. MOORE SCHOLARSHIP The Elsie B. Moore Scholarship program is for legal residents of Delaware enrolled in a four-year course of study at an accredited medical school. Applicants must be enrolling first year medical students who have been accepted for admission in the fall of the c u r rent ye a r, be of good moral character and citizenship and be worthy of financial assistance. The deadline is April 12. Robbie Testa, Senior Trust Administration Assistant PNC Wealth Management, Trust Officer 222/18 Delaware Avenue Wilmington, DE 19801 United States 302 429-1186 (phone) robbie.testa@pncadvisors.com NATIONAL MEDICAL FELLOWSHIPS, INC. The National Medical Fellowships Inc. offers a needbased scholarship to first and second year medical students, although a few selected programs are open to third year students. A rigorous application process ensures that assistance is provided to students with the greatest documented need. Applicants must be a U.S. citizen who is African-American, Mexican-American, Native-American, Alaskan Na t i ve, Native Hawaiian or Mainland Puerto Rican. Applicants must have been accepted to AAMC or AOA accredited U.S. medical schools for study leading to M.D. or D.O. degrees. Awards range from $500 to $10,000. The application deadline is June 30. Applications may be downloaded and printed from the Web site. National Medical Fellowships, Inc. 5 Hanover Sq u a re, 15th Floor New York, NY 10004 (212) 483-8880 www.nmfonline.org NEW JERSEY OSTEOPATHIC EDUCATION FOUNDATION Approximately five scholarships are awarded each year by the New Jersey Osteopathic Education Foundation (NJOEF) to deserving students entering their first year in an osteopathic college. They must be residents of New Jersey and have completed four years of pre-medical education. Applicants must submit the following: A completed NJOEF Scholarship Application that includes four named re f e rences, one being an osteopathic physician; 34 MCAT scores sent directly from MCAT; four completed Re f e rence Evaluation Forms; Pre-med College Transcripts sent directly from the college; An essay on your reasons for wanting to become an osteopathic physician; Prior year tax return including your parent/guardian's if claimed as a dependent, or your own, if independent. The NJOEF Scholarship Selection Committee re v i ews all completed applications. From those completed applications, approximately ten semi-finalists will be determined. All applicants will be notified by the end of May whether they have or have not been selected as a semi-finalist. All semi-finalists will be interviewed in mid-June to determine the finalists. The interview date will be arranged by the Committee on a predesignated day in mid-June. Your presence is required at this interview to be considered for a scholarship. No exceptions will be made. Selections are based on the following criteria: Undergraduate academic achievement - applicant should have a B average or a 3.0 point grade on a 4.0 point grading system and be in the upper 25% in class standing; financial need; motivation; professional promise. In accepting the NJOEF scholarship, the recipient agrees to the following: • To become a member of the New Jersey Association of Osteopathic Physicians and Surgeons (NJAOPS) and the American Osteopathic Association (AOA). • To complete his/her osteopathic medical education and attain the D.O. degree. • To participate in AOA-approved internship/residency programs. If the recipient does not fulfill these requirements, then the Scholarship becomes a loan and is repayable with interest. Completed Applications and all Credentials must be received in the New Jersey Osteopathic Education Foundation office by April 30. Application forms may be downloaded from the Web site. You may also secure one from your Medical Advisor or by contacting: New Jersey Osteopathic Education Foundation One Distribution Way, Suite 201 Monmouth Junction, New Jersey 08852 tel: 732.940.9000 fax: 732.940.8899 email: njaops@njosteo.com www.njosteo.com/aboutnjaops/awards.asp NORTHWEST OSTEOPATHIC MEDICAL FOUNDATION The Northwest Osteopathic Medical Foundation offers a scholarship and loan program to support osteopathic medical students. Consideration is given to residents of the Pacific Northwest (Alaska, Idaho, Montana, Oregon, and Washington) who have lived, w o rked, and attended institutions of higher education in the Pacific Northwest. Assistance is available to students entering their third and fourth year of medical school. The deadline is February 1. Applications are available in the PCOM Financial Aid Office. The amount of the scholarships vary. Northwest Osteopathic Medical Foundation Suite 700 Tiffany Center 1410 S.W. Morrison Street Portland, OR 97205 (503) 222-7161 or (888) 696-7836 www.nwosteo.org OSTEOPATHIC FOUNDATION OF CENTRAL WASHINGTON Scholarships are available to residents of the Pacific No rt h west (Washington, Oregon, Idaho, Alaska) who demonstrate significant financial need. Applicants must be at least a second year medical student in good standing at a legally accredited school of Osteopathic Medicine and/or Su r g e ry. Scholarships recipients shall agree to establish and maintain a Practice of Medicine in Yakima County, Washington, or in such other area approved by the Board of Directors of the Osteopathic Foundation of Central Washington, for a period of at least three continuous years immediately following completion of the degree re q u i rements and one year of internship/residency. Scholarships up to $10,000 may be made available on an annual basis, provided funds are available from the Foundation. The application deadline is June 1st. Osteopathic Foundation of Central Washington ATTN: Malcom Arnett, Executive Secretary P.O. Box 112 Yakima, WA 98907 (509) 452-4122 http://www.ofcw.org 35 PENNSYLVANIA OSTEOPATHIC MEDICAL ASSOCIATION EDUCATIONAL FOUNDATION (POMA) The Pennsylvania Osteopathic Medical Association Educational Foundation (POMA) sponsors the following scholarship programs: A. Archie Feinstein, D.O., Scholarship Fund, and the District 8 Scholarship Fund. The scholarships are available to third and fourth year students who demonstrate need and who are Pennsylvania residents. The deadline for applications is April 1. Applications are available in the PCOM Financial Aid Office. Amounts are based on funds available. Pennsylvania Osteopathic Medical Association Foundation 1330 Eisenhower Blvd. Harrisburg, PA 17111-2395 1-800-544-POMA (in PA) (717) 939-9318 www.poma.com PISACANO SCHOLARS LEADERSHIP PROGRAM The Pisacano Scholars Leadership Program offers career development opportunities and scholarship funding to the future leaders of Family Practice. Up to five awards are granted each year to upcoming fourth year medical students. Students must demonstrate leadership skills, superior academic, strong communication skill identifiable character and integrity, and a noteworthy level of community service. The maximum scholarship award is $28,000. Recipients are awarded up to $7,000 per year for up to four years. Applications must be received by March 1st. Piscano Leadership Foundation 2228 Young Drive Lexington, KY 40505-4294 (888) 995-5700 (859)-269-5626 www.fpleaders.org PRESBYTERIAN CHURCH (USA) The Presbyterian Church provides funding to students enrolled full-time pursuing a medical profession. Applicants must be members of the Pre s byterian Church (USA), U.S. citizens or permanent residents, demonstrate financial need and be recommended by a church pastor. The amount of the awards ranges between $200-$1,400. Presbyterian Church (USA) Office of Financial Aid for Studies 100 Witherspoon Street Louisville, KY 40202-1396 888-728-7228 ext. 5735 www.pcusa.org/financialaid DR. FREDERICK A. PRESCOTT MEDICAL SCHOLARSHIP FUND The Dr. Frederick A. Prescott Medical Scholarship Fund offers grants to students who have completed one year of medical school. Candidate must be a graduate from Elizabeth Forward High School in Allegheny County or Ohio Northern University. The deadline is April 1. Mrs. Joan R. MacDonald, Administrator Medical Scholarship Fund 17 Koch Drive McKeesport, PA 15135 (412) 751-5477 JOANNA F. REED MEDICAL SCHOLARSHIP The Joanna F. Reed Medical Scholarship program was created for the purpose of providing scholarships to men and women who are pursuing a degree in medicine at a recognized private medical school. Selection is based on prior academic performance, recommendations from instructors, financial need, and the Selection Committee’s evaluation of the applicants motivation, character, ability and promise of fitness as a practicing physician. Applicant must be a resident of Alabama or northwest Florida. The deadline is May 15. The amount varies. Joanna F. Reed Medical Scholarship Trust C/O South Alabama Trust Company Attention: Ms. Elaine Catoe or Tammy Hawthorne P.O. Box 469 Brewton, AL 36427-0469 (251) 809-2123 STUDENT OSTEOPATHIC MEDICAL ASSOCIATION (SOMA) The Student Osteopathic Medical Association offers 36 scholarships to SOMA members. Must be a SOMA member with SOMA invo l vement, campus and community activities, and academic achievement. Applications are available in the spring from SOMA and the deadline is July 1. The amount is dependent upon availability of funds. SOMA National Office Attention: Scholarships 142 E. Ontario Street Chicago, IL 60611 (800) 237-SOMA www.studentdo.com MARIAN J. WETTRICK CHARITABLE FOUNDATION The Marian J. Wettrick Charitable Fo u n d a t i o n p rovides financial assistance to qualified female students who have graduated from a Pennsylvania college granting a recognized pre-medical degree and who propose to pursue a career in medicine within the Commonwealth of Pennsylvania by attending a Pennsylvania medical school. One of the criteria used to evaluate applicants is an inclination to practice medicine at Charles Cole Medical Center in Coudersport, Pennsylvania (non-binding). The application deadline is May 15 and the amount of the scholarships varies between $5,000-$30,000. Marian J. Wettrick Charitable Foundation c/o Citizens Trust Company Trust Department 10 N. Main St P.O. Box 229 Coudersport, PA 16915-0229 (814) 274-9150 WORCESTER DISTRICT (MA) MEDICAL SOCIETY The Worcester District Medical Society, through its Scholarship Committee, provides financial aid to second, third and fourth year medical/osteopathic students, who are legal residents of central Massachusetts. Scholarship awards are based on scholastic achievement, financial need, and community service. Selection is based on financial need and an essay on why you feel you are deserving of this award. The amount varies yearly. Application deadline is August 31st. Scholarship Committee Worcester District Medical Society Mechanics Hall 321 Main Street Worcester, MA 01608 (508) 753-1579 E-mail: Info@wdms.org www.wdms.org Private Loan Sources For Medical Students This section is intended to be a supplement in planning your financial aid strategy. We urge you to exhaust all external re s o u rces available to yo u individually. Examples include: community civic organizations, community charitable organizations, ethnic organizations, religious affiliations, fraternities, sororities, unions, employers, hospital auxiliaries, private loans and sponsorships. For additional information about the following private osteopathic loan sources, please contact the agencies indicated. Otherwise contact the PCOM Student Financial Aid Office. BERKSHIRE DISTRICT MEDICAL SOCIETY The Berkshire District Medical Society provides a scholarship loan for medical students who are bona fide residents of Berkshire County, Massachusetts and accepted at an approved medical school in the United States or Canada. Recipients sign agreements pledging to begin repayment of the scholarship loan-unsecured and bearing no interest--the year of graduation, half of the amount to be repaid in four years and the balance in two additional years. The deadline is April 1st. The amount is up to $5,000. Berkshire District Medical Society Susan Poulin Project Specialist AHEC 741 North Street Pittsfield, MA (413) 447-2417 spoulin@berkshireahec.org ARTHUR E. DANNIN OSTEOPATHIC EDUCATIONAL FOUNDATION The Auxiliary to Indiana Association of Osteopathic Physicians and Surgeons has established this foundation to generate funds for loans to Indiana students in osteopathic medical schools accredited by the American Osteopathic Association. Loans are awarded to first and second year medical students from Indiana who plan to practice in Indiana upon completion of training. The loan is forgiven if the student practices in Indiana and interest accrues only if the recipient does not practice in Indiana. The deadline is January 31. The amount is between $1,000 and $2,000 for one to three students. The Arthur E. Dannin Osteopathic Educational Foundation Inc. 3520 Guion Road, Suite 202 Indianapolis, IN 46222-1672 (800) 942-0501 (317)-926-3009 www.inosteo.org THE FOUNDATION OF PENNSYLVANIA MEDICAL SOCIETY The Foundation of the Pennsylvania Medical Society offers a loan program for medical students who are Pe n n s y l vania residents and demonstrate financial need. The interest rate on the loan during the school year and during deferment is calculated on June 1 using the 91-day Treasury Bill rate on June 1 plus 2%. The interest rate during the school year and during deferment shall not exceed 6%. D r i n g u repayment the interest rate equals the 91-day T-bill plus 2.5%. The foundation loan becomes payable on July 1 of the year you graduate from medical school. Loan payments can be deferred annually for up to five years upon written request, but interest will accrue. Applications are available in the PCOM Student Financial Aid Office. The amount of the loan is between $3,000-$7,000. The Foundation of Pennsylvania Medical Society 777 E. Park Drive P.O. Box 8820 Harrisburg, PA 17105-8820 (717) 558-7750 www.pamedsoc.org email: stat@pamedsoc.org 37 GEORGIA "COUNTRY DOCTOR SCHOLARSHIP LOAN" This program provides assistance to Georgia residents who have been accepted or alternated at a U.S. medical/osteopathic medical school and who are interested in serving in rural areas of Georgia after graduation. Scholarships/loans are generally $20,000 per year for one year, renewable for 3 additional years. Recipients must agree to practice in an approved Georgia community for as many years as they re c e i ve assistance. This service constitutes repayment. Failure to complete this obligation results in repayment obligations of 3 times the balance re c e i ve Application deadline is no later than d. June 15. State Medical Education Board "Country Doctor" Scholarship Program 1718 Peachtree St. N.W. Suite 683 Atlanta, GA 30309-2496 (404) 206-5420 www.smeb.georgia.gov email: jfriend@dch.state.ga.us INTERNATIONAL COLLEGE OF SURGEONS Dr. Max Thorek Student Loan Fund The International College of Surgeons offers the Max Thorek Student Loan Fund, which is a low interest rate loan program that was established to help medical students. To be eligible you must be a third or fourth year student. Candidates must apply during the second half of their second year. The interest is 2% for the first 5 years, 3% in year 6, and 6% thereafter. Repayment begins after completion of residency. The amount is $5,000. The deadline is March 31. International College of Surgeons Nick Rebel 1516 N. Lake Shore Drive Chicago, IL 60610 (312) 787-1608 www.ficsonline.org MEDICAL SOCIETY OF NEW JERSEY The Medical Society of New Jersey offers a student loan program for New Jersey residents. Applicants must be members of the MSNJ-Student Association, citizens of the U.S., satisfactorily completed the first 38 two years of study in an approved medical school in the U.S. or Canada, and be a bona-fide resident of New Jersey for a period of not less than five years prior to matriculation in medical school. The interest rate is 9% and will be charged on the unpaid balance from the date of the borrower’s graduation from medical school. Repayment begins two years after graduation, with interest payments due immediately following graduation. A co-signer is required. The amount is $6,000 per year. Chairman, Committee on Medical Student Loan Fund Medical Society of New Jersey 2 Princess Road Lawrenceville, NJ 08648-2302 (609) 896-1766 www.msnj.org MONTGOMERY COUNTY MEDICAL SOCIETY The M n t g o m e ry County Medical Society of o Pennsylvania offers an interest free loan program for medical students accepted and about to enter their first year at an accredited medical school. Applicants must be residents of M n t g o m e ry County, o Pennsylvania. The amount of the award ranges from $1,000 to $4,000 depending on availability of funds. The deadline for the application is April 15th. Mark Austerberry Executive Director Montgomery County Medical Society King of Prussia Medical Center 491 Allendale Road, Suite 323 King Of Prussia, Pennsylvania 19406 (610) 878-9530 email: montmedsoc@aol.com OHIO OSTEOPATHIC FOUNDATION The Ohio Osteopathic Association offers a Student Tuition Loan Program for students who are residents of Ohio as defined by the Ohio Board of Regents and plan on practicing in Ohio. Senior osteopathic medical students at colleges approved by the American Osteopathic Association will receive first consideration and junior students may be considered depending on availability of funds. Applicants must have a 2.50 grade point average and must file a FAFSA. If practice is established outside of Ohio prior to repayment of the loan, the interest rate will be 4% higher than the interest in-Ohio rate. Interest rate shall be set at 2% below the prime rate at the time the application is approved and shall remain at that fixed simple interest rate throughout the duration of the loan. The loan is interest-free during the in-school period and only monthly intere s t payments on the principal amount borrowed will be due during the internship period. After the internship period is completed, full payment will be required over a five-year period. There is no further deferment for residency or fellowship programs. A co-signer is required. The foundation provides $3,500 each year for two years of full-time professional study. The deadline is March 1st of each year. Ohio Osteopathic Foundation P.O. Box 8130 53 West Third Avenue Columbus, OH 43201 (800) 234-4848 (614) 299-2107 http://regents.ohio.gov/sgs/fellowship PENNSYLVANIA OSTEOPATHIC MEDICAL ASSOCIATION FOUNDATION (POMA) The Pennsylvania Osteopathic Medical Association Foundation (POMA) sponsors the Alfred A. Grilli, D.O., Student Loan Fund. The loan is available to students entering their fourth year, who demonstrate need and who are residents of Western Pennsylvania prior to entering osteopathic medical school. The i n t e rest varies same as St a f f o rd Loans. Loan repayment plus interest is deferred until the recipient completes internship and residency, if residency immediately follows internship. The deadline for applications is April 1. Applications are available in the PCOM Financial Aid Office. The loan that may be granted is for $500 or more if funds are available. Pennsylvania Osteopathic Medical Association Foundation 1330 Eisenhower Boulevard Harrisburg, PA 17111-2395 (717) 939-9318 (800) 544-POMA (In PA) www.poma.com TUCSON OSTEOPATHIC MEDICAL FOUNDATION/FOUNDERS' AWARDS The Tucson Osteopathic Medical Foundation is actively seeking to benefit students from Arizona, 39 particularly, from the greater Tucson and southern Arizona area. The loan program has a forgiveness option for doctors who establish their primary practice in southern Arizona. Applicants must be enrolled or intending to enroll full time and seeking a D.O. degree. Residents of the seven southernmost counties of Arizona will receive first consideration. The interest rate is comparable to currently available educational loan programs and the amount varies. For eve ry year you maintain principal medical practice in one of the seven counties of southern Arizona, 20% of the loan is forgiven. Applications must be completed and mailed by March 15th. Tucson Osteopathic Medical Foundation 3182 North Swan Road Tucson, AZ 85712 (520) 299-4545 or (800) 201-8663 www.tomf.org WASHINGTON OSTEOPATHIC FOUNDATION The Washington Osteopathic Foundation offers a loan program for students in osteopathic training who are residents of Washington State and have completed six months at an accredited school of osteopathic medicine. Applicant must agree to practice for three years in the state of Washington, commencing within 30 days of completion of internship and/or residency. During these three years, active membership in the Washington Osteopathic Medical Association must be maintained and continued until the loan is paid in full. The interest rate varies and loan repayment begins three years after completion of internship and/or one specialty residency. The repayment period of the loan shall not exceed 5 years. If you l e a ve school or fail to practice in the state of Washington, the loan, plus 10% interest becomes subject to repayment immediately. A p l i c a ti on p deadlines are February 15, May 15, August 15 and November 15. The amount is up to $5,000 per academic year. Washington Osteopathic Foundation P.O. Box 16486 Seattle, WA 98116-0486 (206) 937-5358 www.woma.org WESTMORELAND COUNTY (PA) MEDICAL SOCIETY STUDENT LOAN FUND Westmoreland County Medical Society offers a loan fund for a resident of Westmoreland County, PA who demonstrates financial need. Student must be in at least the second year of medical school. The interest is repaid each year and the principal amount is due six years from date of loan. Applications are available May 15th. The amount is up to $8,000 per academic year. Westmoreland County Medical Society 231 South Main Street, 207 Coulter Building Greensburg, PA 15601 (412) 837-5050 career objectives. The applicants Expected Family Contribution (EFC) must be $2,500 or less. Awards range form $500 to $2,500 depending on funding. Application requests will be honored between January 1 and April 1. The application deadline is April 15. Business and Professional Women/USA Career Advancement Scholarship Program P.O. Box 4030 Iowa City, IA 52243-4030 (800)-525-3729 www.bpwusa.org COMMUNITY FOUNDATION OF WESTERN MASSACHUSETTS The Community Foundation of Western Massachusetts administers over 70 endowment funds totaling $30 million in principal designated for scholarships and loans for students from the region attending an accredited institution. Application deadline is March 31. A brochure that details the various types of funding is available from the Community Foundation. Community Foundation of Western Massachusetts 1500 Main Street P.O. Box 15769 Springfield, Massachusetts 01115 (413)-732-2858 www.communityfoundation.org DELAWARE SCHOLARSHIP INCENTIVE PROGRAM The Scholarship Incentive Program (SCIP) replaces the Delaware Postsecondary Scholarship Fund as the State’s need-based grant. The program continues the practice of awarding state grants to De l a w a re residents based on demonstrated need. Applicant must be a legal resident of Delaware, U.S. Citizen or eligible No n - C i t i zen, be enrolled as a full-time student in a degree program, demonstrate substantial financial need, have a minimum GPA of 2.5., and be enrolled in a graduate program that is unavailable in Delaware. The deadline is April 15 and you must complete a FAFSA. An award amount for graduates is approximately $1,000. Delaware Higher Education Commission 820 N. French St. Wilmington, DE 19801 40 Private Scholarship Sources for All Students AMERICAN ASSOCIATION OF UNIVERSITY WOMEN EDUCATION FOUNDATION SELECTED PROFESSIONS FELLOWSHIPS Selected Professions Fe l l owships are awarded to citizens or residents of the United States in fields where female participation has been low. Applicant must be a woman in her final year of first professional program. Fellowships in medicine are designated for minority women. Applications available August 1-January 1. Application postmark deadline January 10. The amount varies between $5,000-$12,000 per academic year. AAUW Educational Foundation Selected Professions Fellowships P.O. Box 4030 Iowa City, Iowa 52243-4030 BUSINESS AND PROFESSIONAL WOMEN/USA Business and Professional Women/USA (BPW) awards a Career Ad vancement Scholarship to women, 25 years of age or older before May 2nd, who are U.S. citizens and officially accepted into an accredited program or course of study at a U.S. institution. Applicants must be graduating within 12 to 24 months from the date of the award, must demonstrate financial need and must possess clear (800) 292-7935, Fax (302) 577-6785 www.doe.state.de.us/high-ed WILLIAM GOLDMAN FOUNDATION SCHOLARSHIP The William Goldman Foundation provides scholarships for graduate and/or medical students. Candidates must place in the top 1/4 of the class, or in the case of first- year students, in the top 1/4 of the undergraduate school class, demonstrate gre a t financial need and be a resident of the Metropolitan Philadelphia Area. The deadline is March 15. The William Goldman Foundation Scholarship Committee 42 South 15th Street, Suite 1116 Philadelphia, PA 19102 (215)-568-0411 GUNDAKER FOUNDATION, INC. The Gundaker Foundation offers a one-year Graduate Grant Award to candidates who plan to pursue full-time graduate studies. Applicant must be a permanent resident of Ro t a ry District 7450 and win approval and be sponsored by the District 7450 Ro t a ryClub located closest to your permanent residence. Rotarians and their immediate family members are excluded from the competition. The deadline is Fe b ru a ry 15th. The amount varies. A successful applicant should have strong academic credentials, and should show a record of community service. James Kenney (610) 353-4553 www.rotary7450.org HELLENIC UNIVERSITY CLUB OF PHILADELPHIA The Nicholas Padis Memorial Graduate Scholarship is awarded to a qualifying senior undergraduate or graduate student pursuing a graduate degree full time at an accredited university or professional school. The scholarship is awarded to a student with outstanding academic qualifications and financial need. The applicant must be of Greek descent, a U.S. citizen and lawful permanent resident of Bucks, Chester, D l a w a re, Montgomery or Philadelphia Counties in e Pe n n s y l vania; Burlington, Camden, G o u c e s t e r l Counties in New Jersey. The award is $5,000. Completed applications must be re c e i ved by April 20. 41 Scholarship Chairman Hellenic University Club of Philadelphia P.O. Box 41299 Philadelphia, Pa. 19101 (215) 483-7440 www.hucphila.org email: scholarshipchair@hucphila.org INTERNATIONAL ORDER of THE KING'S DAUGHTERS AND SONS Health Careers Scholarships The International Order of the King’s Daughters and Sons, Inc. offers scholarships for students preparing for careers in medicine, dentistry, physical or occupational therapy, medical technologies and physician assistant studies. Applicants must be a U.S. or Canadian citizen, enrolled full-time, at least a third year, and in a school accredited in health profession located within the U.S. or Canada. To request an application, students should write to the Director, stating the field and present level of study and enclose a stamped, self-addressed, business size envelope. Applications are available after January 1. Applications must be postmarked no later than April 1. The amount varies up to $1,000. Director Health Careers Scholarship Department P.O. Box 1040 Chautauqua, NY 14722-1040 JAPANESE AMERICAN CITIZEN’S LEAGUE Each year the Japanese American Citizen’s League (JACL) offers over 30 scholarships to graduate and undergraduate students nationwide with an annual total of over $60,000. Applicants must be members of the JACL to qualify for an award. Student memberships are available for $14. Membership forms are sent out with the scholarship application. Students do not have to be of Japanese descent to qualify. All scholarships are one-time awards and range in amount from $1,000 to $5,000. March 1 is the last day to request an application. Japanese American Citizens League Headquarters 1765 Sutter St. San Francisco, CA 94115 (415) 921-5225 jacl@jacl.org www.jacl.org JONATHAN R. LAX SCHOLARSHIP FUND The Lax Scholarship was established by Jonathan R. Lax for the purpose of encouraging gay men to obtain additional education, aspire to positions in which they may contribute to society, be open about their sexual preference, and to act as role models for other gay men with similar potential. Scholarships for college or graduate school are awarded on a combined basis of need, academic qualifications, and personal achievement to gay male students from the Delaware Valley, attending school anywhere; or from elsewhere, attending school in the Delaware Valley. The scholarships are available to students from the five-county metropolitan Philadelphia re g i o n (specifically, Bucks, Chester, Delaware, Montgomery and Philadelphia counties). The deadline for completed application is January 16. The amount is between $5,000-$20,000. Lax Scholarship Fund Bread and Roses Community Fund 1500 Walnut Street, Suite 1305 Philadelphia, PA 19102 (215) 731-1107 ext. 207 Fax (215) 731-0453 www.breadrosesfund.org lax@breadrosesfund.org THE LEON LOWENGARD SCHOLARSHIP FOUNDATION The Leon Lowengard Scholarship Foundation offers scholarships to students of the Jewish faith who are of deserving character, good academic standing and demonstrate financial need. Scholarships will be made in the following order of preference: graduates of the Harrisburg Public High School, graduates of other high schools of Harrisburg, graduates of the public high schools of the greater Harrisburg area, graduates of other high schools of the gre a t e r Harrisburg area. Applications are available after February 1 and deadline is April 1. The amount for this fund varies. Application available on-line. Applicants must demonstrate financial need, and be of good moral character. Harrisburg Area Community College Attn: Office of Financial Aid Services One HACC Drive, Cooper 209 Harrisburg, PA 17110-2999 (717) 780-2330 www.hacc.edu 42 DANIEL R. MILLER TRUST FUND FOR EDUCATION The Daniel R. Miller Trust Fund for Education offers scholarships to residents of the Borough of Pinegrove or Pinegrove Township, PA, or Clear Spring, Washington County, Maryland. Recipients are chosen by a committee of residents of Pinegrove based on financial need, and good moral character. The deadline for receipt of all applications and accompanying backup materials is postmarked no later than April 1. The award amount per student is $800-$1,000. Daniel R. Miller Trust for Education 4320-G Wade Hampton Boulevard Taylors, SC 29687 (866)-608-0001 www.wachoviascholars.com/milr sallyking@bellsouth.net NEW HAMPSHIRE CHARITABLE FOUNDATION The New Hampshire Charitable Foundation offers assistance in the form of interest-free grants and low-interest loans and grant/loan combinations to New Hampshire residents. Applicant must be a New Hampshire resident planning to attend a full-time program at an accredited college. The foundation g i ves priority to students with limited financial re s o u rces. The interest and repayment va r i e s according to the program. The deadline for applications is 5:00 pm on April 13. Aw a rd s typically range from $500 to $2,500. The average award is $1,800. New Hampshire Charitable Foundation Student Aid Program 37 Pleasant Street Concord, NH 03301-4005 (800) 464-6641 www.nhcf.org SNAYBERGER MEMORIAL FOUNDATION The Snayberger Memorial Foundation offers a scholarship for residents of Schuylkill County, PA. Applicants must file a FAFSA and demonstrate financial need. All other federal, state and private sources of aid must first be exhausted before aid is granted. The deadline is mid-December through the last working day in February. Trust Officer M&T Bank 1 South Centre Street Pottsville, PA 17901-7057 (570) 622-4200 MARGARET YARDLEY FELLOWSHIP The M r g a ret Yardley Fe l l owship is award e d a annually by the State Federation of Women’s Clubs, to a deserving female New Jersey resident who is a graduate student doing advanced work in special fields of study. This scholarship is to be used solely toward payment of tuition. To be eligible you must demonstrate character, scholarship ability, purpose, and potential service, as well as financial need. The deadline to request an application is February 1. All requests are to be accompanied by a stamped s e l f - a d d re ssed envelope or the request will not be honored. Awards of $1,000 are announced in April. NJSFWC Attn: Magaret Yardley Fellowship Committee 55 Labor Center Way New Brunswick, NJ 08901-1593 Web Site for further information and clarification of income requirements. Central Scholarship Bureau 1700 Reisterstown Road Suite 220 Baltimore, Maryland 21208 (410) 415-5558 (phone) www.centralsb.org email: info@centralsb.org COMMUNITY FOUNDATION OF WESTERN MASSACHUSETTS The Community Foundation of Western Massachusetts administers over 70 endowment funds totaling $30 million in principal designated for scholarships and loans for students from the region attending an accredited institution. Application deadline is March 31. A brochure that details the various types of funding is available from the Community Foundation. Community Foundation of Western Massachusetts 1500 Main Street P.O. Box 15769 Springfield, MA 01115 (413) 732-2858 www.communityfoundation.org scholar@communityfoundation.org DOLLARS FOR SCHOLARS OF LANCASTER COUNTY The Dollars for Scholars of Lancaster County (formerly Citizens’ Scholarship Foundation of Lancaster County) offers an intere s t - f ree loan program to deserving Lancaster County residents attending an accredited institution. Applicant must be a graduate of a high school located in Lancaster County, PA and demonstrate financial need. Repayment starts within 6 months of graduation or withdrawal. The amount for the past several years has been $1,500, but may vary according to Foundation’s re s o u rc es. The application can be downloaded from website and the deadline is April 30. Dollars for Scholars of Lancaster County P.O. Box 1601 Lancaster, PA 17608-1601 (717) 397-7920 www.dollarsfoscholarslanc.org 43 Private Loan Sources for All Students CENTRAL SCHOLARSHIP BUREAU (MARYLAND RESIDENTS) The central scholarship Bureau (CSB) is a nonprofit, privately funded organization that helps postsecondary students with financial aid to support their college, professional or vocational goals. To be eligible for funding, applicants must be an established resident of one of the following jurisdictions in the State of Maryland: Baltimore City, Ba l t i m o re County, Anne Arundel County, C a r roll County, Ha rt f o rd County, or How a rd County. Applicants must also be in good academic standing at an accredited institution, meet income guidelines, and have applied for all possible sources of financial aid. Interest free loans of up to $5,000 are available to graduate students. Applications are available January 1-May 31. The application deadline is May 31. Call CSB or visit their THE ADDISON H. GIBSON FOUNDATION The Addison H. Gibson Foundation offers a lowi n t e rest rate loan program to help students in graduate degree programs. Applicants must be residents of western Pennsylvania, full-time students in their second year or higher, with good academic standing and financial need. The annual interest rate is 2% until one year after graduation when it increases to 5%. Regular principal payments begin one year after graduation. The loan amount varies to a maximum of $18,000. Contact the foundation for applications. Lynn S. Dunbar The Addison H. Gibson Foundation One PPG Place, Suite 2230 Pittsburgh, PA 15222-5401 (412) 261-1611 www.gibson-fnd.org ldunbar@gibson-fnd.org HOOVER EDUCATIONAL LOAN FUND The George W. Ho over and Anne A. Ho ove r Educational Loan Fund was established to help needy students who might not otherwise be able to attend college. Applicants must be full-time students. The interest rate is based on prime rate at time of graduation, 1/6 of prime first 2 years, 1/3 for the next 2 years, and 2/3 for the final 2 years. The loan is to be paid in 8 years from date of graduation. Applications are reviewed in January and February each year. The amount is approximately $5,000 per academic year. Contact the foundation for deadline. Hoover Educational Loan Fund Omega Bank Wealth Management 2 South Market Street P.O. Box 57 Selinsgrove, PA 17870 (570) 374-4252 KNIGHTS TEMPLAR EDUCATIONAL FOUNDATION The Knights Templar Educational Foundation offers a Loan Program for students who are legal residents of Pennsylvania prior to enrollment in college in the t h i rd or fourth year of professional training. References and a transcript from the Registrar of your college are required. All loans must have a Guarantor. The interest rate is 5% and begins the 44 date of graduation or withdrawal from the educational institution. Repayment is payable on the basis of 10% the first year, 20% the second year, 30% the third year and 40% the fourth year. Payments are usually requested on a quarterly basis. There is no application deadline. The amount is $1,000 per year with an aggregate maximum of $3,000. Knights Templar Educational Foundation 1 N. Broad Street Philadelphia, PA 19107 (215) 567-5836 www.knightstemplar.org THE SAMUEL LEMBERG SCHOLARSHIP LOAN FUND, INC. The Samuel Lemberg Scholarship Loan Fund, Inc. provides 12 $1,000 to $5,000 interest-free loans to aid Jewish men and women who face financial difficulties pursuing a higher education. Students eligible for loans must be attending accredited colleges and universities engaged in the pursuit of academic work or professional courses leading to a recognized degree. Successful applicants assume an obligation to repay the full amount of the loan within ten (10) years after the completion of their course of study. Application, transcripts and letters of recommendation must arrive together by April 1. The Lemberg Scholarship Loan Fund, Inc. Myron E. Schoen, Secretary 60 E. 42nd Street Suite 1814 New York, NY 10165 www.parentsinc.org NEW HAMPSHIRE CHARITABLE FOUNDATION The New Hampshire Charitable Foundation offers assistance in the form of interest-free grants and lowinterest loans and grant loan combinations to New Hampshire residents. Applicant must be a New Hampshire resident planning to attend a full-time program at an accredited college. The foundation g i ves priority to students with limited financial re s o u rces. The interest and repayment va r i e s according to the program. The deadline is April 25. The award is between $100-$2,500. New Hampshire Charitable Foundation Student Aid Program 37 Pleasant Street Concord, NH 03301-4005 (603) 225-6641 www.nhcf.org PRESBYTERIAN CHURCH (USA) The Presbyterian Church offers an interest-free loan program for graduate students enrolled full-time in a degree program at a college/university. Applicants must be members of the Presbyterian Church (USA), U.S. citizens or permanent residents, demonstrate financial need and be recommended by an academic advisor at an institution and by a church pastor. Repayment plans vary from 2 to 10 years. The amount of the loan is $2,000 for the 1st year, $2,500 for 2nd and 3rd and $7,000 in the final year of study. Presbyterian Church (USA) Office of Financial for Studies 100 Witherspoon Street Louisville, KY 40202-1396 (888) 728-7228 ext. 5735 www.pcusa.org/financialaid THE SCHOLARSHIP FOUNDATION OF ST. LOUIS The Scholarship Foundation of St. Louis operates a revolving loan program providing interest-free loans to post-secondary students with financial need. Applicants must be U.S. citizens or permanent residents of the U.S.A., and must have resided in one of the following areas two years prior to making application: In Missouri - St. Louis City, St. Louis County, Franklin County, Jefferson County, Lincoln County, St. Charles Count or Warren County; In Illinois - the counties of Madison, Jersey, Monroe, Clinton, or St. Clair. Repayment for the loan begins one year after graduation. Application will be available January 1 for Fall funding, and August 1 for Spring funding. The deadline for Fall is April 15, and the Spring Deadline is November 15. The amount is up to $4,500 per academic year to a maximum of $25,000. The Scholarship Foundation of St. Louis 8215 Clayton Rd. St. Louis, MO 63117 (314) 725-7990 Website: www.sfstl.org Email: schlrshpfd@stlnet.com 45 HATTIE M. STRONG FOUNDATION STUDENT LOANS The Hattie M. Strong Foundation administers an interest-free loan program for American college students studying in the U.S. or abroad that are enrolled full-time and entering their final year of study in an accredited graduate degree program. Students should write between January 1 and March 31, giving a brief personal history and identification of the educational institution attended. Include course of study or degree and date of completion. The terms of repayment are based upon monthly income after graduation and are arranged with each individual so as to minimize financial hardship. Applications are sent to eligible students between Ja n u a ry 1 and Ma rch 31. Fo reign students temporarily in this country do not qualify for loans. The amount varies up to $5,000 per academic year. Hattie M. Strong Foundation 1620 Eye St., N.W. Suite 700 Washington, D.C. 20006 (202) 331-1619 www.hmstrongfoundation.org Other Financial Sources For additional information about the follow i n g sources please contact the agency indicated. Otherwise contact the PCOM Student Financial Aid Office. COUNTY GOVERNMENTS IN NEW YORK STATE Financial assistance is available to residents of the f o l l owing counties in New York State: Allegheny, Cattaraugus, Chautaugua, Delaware, G n e s e e , e Livingston, Orleans, Os wego, St. Lawrence, Sa r a t o g a , Schuyler, Steuben, U s t e r, Wayne, Wyoming and l Yates. Upon completion of training, the borrower is expected to serve in the county providing the funds. For more information contact: The County Government Office in the respective county. FRATERNAL ORGANIZATIONS Organizations such as Rotary, Lions, Kiwanis, etc. in your local area may offer loans and/or scholarships. For more information contact the local officers of the organization. INDIAN HEALTH SERVICES LOAN REPAYMENT PROGRAM The Indian Health Service offers a loan repayment program for all health or allied health professionals. Applicants must be U.S. citizens, committed to practice at an IHS or other Indian health program priority site, demonstrated by signing a binding contract to serve at such a site; be free to begin service in a full-time clinical practice for two continuous years in an approved IHS or other Indian health program priority site; and have a license to practice medicine, osteopathy or other health profession in a State. The Loan repayment Program will repay all or a portion of the applicant’s eligible health professional educational loans (undergraduate and graduate) for tuition expenses. Applicants are eligible to have their educational loan repaid in amounts up to $24,000 per year for each year of service. In addition the Loan Repayment Program will pay up to 20% of Federal taxes directly to the Internal Revenue Service – incurred as a result of payments made on behalf of recipients. Contact Information: Indian Health Service Loan Repayment Program 801 Thompson Ave., Suite 120 Rockville, Maryland 20852 (301) 443-3396 www.ihs.gov LABOR UNIONS Students whose parents are members of unions should investigate the possibility of obtaining financial assistance through scholarship and loan programs offered through a local or regional union program. Local union officials will be able to provide further details. NATIONAL HEALTH SERVICE CORPS LOAN REPAYMENT PROGRAM The National Health Service Corps offers a loan repayment program for medical and osteopathic physicians specializing in family medicine, general pediatrics, general internal medicine, general psychiatry or obstetrics/gynecology; primary care physician assistants; and mental health professionals including doctoral clinical psychologists. After graduating the student must provide primary care services in a priority Health Professional Shortage Area in return for salary, loan repayment and tax relief. Loan repayment amounts are as follows up to: • $50,00 for a 2 year commitment • $85,000 for a 3 year commitment • $120,000 for a 4 year commitment The program also provides a payment of 39% of the total loan repayment to assist with tax liability in addition to highly competitive salary and benefit package. Applicants must agree to provide primary care services in a priority Health Professional Shortage Area for a minimum period of 2 years. You may extend your loan repayment beyond 2 years, one year at a time, provided that you have unpaid qualifying educational loans and serve at an eligible site. You must be a U.S. citizen with a valid, unrestricted state license and/or certificate to practice in the state in which you plan to serve. Contact information: National Health Service Corps Loan Repayment Program 8201 Greensboro Drive, Suite 600 McLean, VA 22102 (800) 221-9393 http://nhsc.bhpr.hrsa.gov 46 PARENTS/SPOUSE EMPLOYERS Students whose parents/spouse are employed should i n vestigate the possibility of obtaining financial assistance through the employe r. The Human Resource Office of the employer will be able to provide further details and information. DEFERRED PAYMENT PLAN The Deferred Payment Plan will be interest free and administered on a per term basis by the Bursar's Office. There is a service fee of $25 per term (payable with the first payment). There will be 3 payments as follows: • 1st Payment: 40% of amount owed plus a $25 fee payable on the Tuition Due Date of that term. • 2nd Payment: 30% of original amount owed, payable 30 days after the term's Tuition Due Date. • 3rd Payment: 30% of original amount owed, payable 60 days after the term's Tuition Due Date Deferred Payment Plan applications are available at the Bursar's Office. VETERANS ADMINISTRATION Students who are veterans may be entitled to educational benefits. Anyone who entered the service prior to January 1, 1977 may exercise the educational benefits; however, these benefits cannot be exercised after December 31, 1989. Anyone who entered the service after January 1, 1977 and contributed to the Education Fund is eligible for the same benefits. Children (under the age of twenty-six) of veterans who died in the military may also qualify for benefits. VA Regional Office P.O. Box 4616 Buffalo, NY 14240-4616 www.gibill.va.gov. Residents and Interns CITY AVENUE PHYSICIANS SCHOLARSHIP FUND The City Avenue Physicians Scholarship Fund is endowed by the City Avenue Physicians and maintained by PCOM with a portion of the income distributed each year in accordance with the college’s spending policy. The purpose of the fund is to award physicians in their last year of re s i d e n c y. The physician (or physicians) must have show n throughout their residency a pronounced interest in serving their Philadelphia Community. Residents may nominate themselves for this award, or may be nominated by other residents or physicians who have supervised their residencies. An application form will be mailed to all area residents once a year, and will also be distributed at the annual orientation meeting on PCOM’s campus. A Committee of City Avenue Physicians will suggest names of physicians from the applicant pool and these names will be forw a rded to the College’s Honors and Aw a rd s Committee for final approval. Application Required NATIONAL ASSOCIATION OF RESIDENTS AND INTERNS The National Association of Residents and Interns founded in 1959, is a non-profit membership organization. The Associations mission is to provide professionals with economic benefits and financial services that are unavailable elsewhere. Since its inception, NARI has enrolled over 120,000 members. NARI’s aims and purposes are: • To help advance the welfare of members through financial aid in the form of loans and other economic advice and assistance. • To provide certain exclusive financial benefits, such as group discount services and low-cost insurance programs to members and their families. • To assist members in sound economic planning for the future, as well as explore ways and means of bettering the economic welfare of medical/dental students, interns, residents and fellows. Loan Plans: $10,000 Fourth Year Medical Student Loan $15,000 Fourth Year Matched Senior Student Loan $30,000 In-Training Loan 47 $35,000 Going-Into-Practice Loan $50,000 Three years or longer Established Practitioner Loan Contact Information: National Association of Residents and Interns 350 Fairway Drive, Suite 200 Deerfield Beach, FL 33441-1834 (800) 221-2168 Fax: (954) 571-8582 www.nari-assn.com PENNSYLVANIA LOAN REPAYMENT PROGRAM (PLRP) The Pr i m a ry Health Care Practitioners Loan Repayment Program (PLRP) is a program designed to i m p rove the re c ruitment and retention of primary health care practitioners in underserved areas of Pennsylvania. Loan repayment benefits are to be used to repay qualifying health professional educational loans, and are based on availability of state and federal funding. The amount that the state agrees to repay will depend upon the total student indebtedness, but no amount will exceed the total student indebtedness. PLRP will pay according to the following schedule: • • • • First year of service: 15% up to $9,600 Second year of service: 20% up to $12,800 Third year of service: 30% up to $19,200 Fourth year of service: 35% up to $22,400 Harrisburg, PA 17120 (717) 772-5298 www.health.state.pa.us/pco TENNESSEE HEALTH ACCESS INCENTIVE PROGRAM This state-funded financial incentive program is u t i l i ze to encourage primary care providers to d establish practices in medically underserved counties/communities across the state. Applicants must be board-eligible, board-certified licensed primary care physicians in family practice, obstetrics, pediatrics, and internal medicine. They must serve a minimum of 3 years in a shortage area and serve a total population (TennCare, indigent, etc.). The earliest that a physician can access this program is 12 months prior to his/her practice start date. The grant amount may vary between $30,000 and $75,000 and is dependent on the needs of the community to be served. Contact Information: TN Department of Health 6th Floor, Cordell Hull Building 425 5th Avenue North Nashville, TN 37247-5245 (615) 741-0417 (800) 659-3010 www2.state.tn.us./health/rural/2haip0.htm Applicants must have a degree in osteopathic medicine, h a ve a valid unrestricted Pennsylvania license, be enrolled in the final year of an approved residency program in osteopathic medicine or have completed an approved residency program in osteopathic medicine. Preferential consideration will be given to an individual who is immediately eligible and available for service, commits to serve four years or longer, is a minority, is a legal resident of Pe n n s y l vania, is a graduate of a Pennsylvania institution and is a native of a rural or urban underserved area. Deadlines are May 15, August 15, November 15, and February 15. Pennsylvania Department of Health Bureau of Health Planning Division of Health and Welfare Building Primary Care Practitioners Loan Repayment Program P.O. Box 90, Room 1033 7th & Forster Streets 48 The National Health Service Corps State Loan Repayment Program The National Health Service Corps (NHSC) State Loan Repayment Program (SLRP) is part of the overall strategy of the NHSC to improve access to primary and preventive health services for underserved communities and populations. The NHSC provides funds directly to States for the operation of Loan Repayment Programs. The federal government and states provide a dollar-for-dollar match to assist in the repayment of qualifying educational loans for eligible participants. Eligible fields of interest are Primary Care Physicians, Physician Assistants, and Clinical Psychologists. Health professionals participating in this program must: (1) be U.S. citizens with a valid, unrestricted state license and or certificate to practice; (2) have no other unserved commitments for service; (3) serve full time (40 hours/week) in the clinical practice of their profession; and (4) be free of judgments arising from federal debt. For more information concerning this program please write or call the state contact. DELAWARE Delaware State Loan Repayment Program Division of Public Health Health Systems Development Branch Jesse Cooper Building PO Box 673 Federal and Water Streets Dover, DE 19903 PHONE (302) 739-4735 FAX (302-739-6927 www.state.de.us/dhcc MARYLAND Jonathan Foley De p a rt ent of Health and Mental Hygiene m 201 W. Preston Street Baltimore, MD 21201 (410)-225-6811 (201)-982-5302 FAX: (410)-333-7501 www.dhmh.stte.md.us NEW JERSEY Ms. Sharon W. Bryant, Administrator Pr i m a ry Care Physician & D n t i s t e Loan Redemption Program of New Jersey 30 Bergen Street Newark, NJ 07107-3000 PHONE (201) 982-4605 FAX (201) 982-5302 www.aafp.org/special/resource/nj.html NEW YORK New York State Education Department Loan Forgiveness Award Program 89 Washington Avenue Office of the Professions State Education Bldg., 2nd Floor Albany, NY 12234 www.nysed.gov PHONE (518) 474-3817 FAX (518) 474-1449 www.op.nysed.gov OHIO Geri Rousculp Recruitment/Retention Coordinator Primary Care & Rural Health Ohio Department of Health 246 North High Street P.O. Box 118 Columbus, OH 43216-0118 PHONE: (614) 644-8496 FAX (614) 644-9850 www.state.oh.us PENNSYLVANIA Frederic Bowlan, Program Administrator Pennsylvania Department of Health Bureau of Health Planning 7th and Forester Streets, Room 1033 Health and Welfare building Harrisburg, PA 17108-0090 PHONE (717) 772-5298 FAX: (717) 705-6525 www.dsf.health.state.pa.us WEST VIRGINIA Ms. Melissa Wheeler Division of Recruitment Bureau Public Health Community Rural Health Service 350 Capitol Street, Room 515 Charleston, WV 25301-3716 PHONE (304) 558-4382 FAX (304) 558-1437 Toll Free 1-888-442-3456 www.wvrecruitment.org 49 Philadelphia College of Osteopathic Medicine Tuition Refund Policy ALL REFUNDS MUST BE AUTHORIZED BEFORE A CHECK OR DIRECT DEPOSIT WILL BE GENERATED When a student loan or grant check is received, any balance due to PCOM will be deducted from the amount of the check. A PCOM check will be drawn from the balance. Refunds will not be issued until the student personally endorses the financial aid checks. If financial aid disbursements are received electronically, no endorsement is necessary. Refund Schedule Cutoff times for authorizing refund checks are 11:00 a.m. on Wednesday for availability of refund check on Thursday after 12:00 p.m. and 11:00 a.m. on Friday for availability of refund check on Monday after 12:00 p.m. Direct Deposit Direct Deposit of student refunds is available by completing an authorization form at the Bursar’s Office. The initial set up for Direct Deposit will take approximately one month. The student must authorize for a direct deposit refund in the same manner as if receiving a PCOM check. The funds will be electronically posted to your bank account two days after the above mentioned cutoff times. Credit Card Policy 1. Credit cards may only be used to pay for outstanding balances net of financial aid/and or scholarships. 2. Credit card payments can be made the following ways: in person at the Bursar’s Office, written authorization with the signature of the card holder, or faxed authorization with the signature of the card holder. 3. PCOM accepts American Express, MasterCard and VISA. PCOM Pending Loan Advance PCOM makes short-term pending loan advances available to students who have a guaranteed student loan application pending that will cover the amount requested. First and second year medical students are eligible to borrow $1,000; third and fourth year medical students are eligible to borrow $2,000. Graduate students are eligible to borrow between $500-$1,000, depending on total expected aid. Advances are to be used for emergency situations only. Repayment is made when the student loan check is negotiated at the Bursar’s Office. Cutoff times for pending loan advances are 11:00 a.m. on Wednesday for availability of check on Thursday after 11:30 a.m. and 11:00 a.m. on Friday for availability of check on Monday after 11:30 a.m. Please note: Direct deposit of student refunds is available by completing an authorization form at the Bursar’s Office. The funds will be electronically posted to your bank account two days after the completion of your refund application. 50 Philadelphia College of Osteopathic Medicine Withdrawal Policy If a student withdraws from classes within six weeks from the start of the term, a pro-rata refund or tuition credit may be authorized. No tuition or fee monies already paid will be refunded in case of a dishonorable dismissal or in the event of a student's dismissal or withdrawal due to poor scholarship. In the case of full withdrawals, the effective date of withdrawal is the date on which the student filed with the dean a written notification of withdrawal or a request for a leave of absence. Refunds to third and fourth year D.O. students and second year Physician Assistant students are pro-rated according to clerkships completed. The following refund schedule applies to all other students: Withdrawal During First week of class Second week of class Third week of class Fourth week of class Fifth week of class Term Charge 0% 20% 40% 60% 80% Credit 100% 80% 60% 40% 20% All federal financial aid funds are credited or returned in compliance with the Federal Return Policy schedule. No fee or portion of a fee is refundable. The refund Policy is subject to change at the discretion of the Board of Trustees, but in no instance will such a change be retroactive. For additional information contact: Bursar's Office 4190 City Ave Suite 202 Philadelphia, PA 19131 215-871-6790 51 Philadelphia College of Osteopathic Medicine Federal Financial Aid Verification Policy I. APPLICATIONS TO BE VERIFIED The Financial Aid Office of Philadelphia College of Osteopathic Medicine verifies all files that are selected for verification by the Central Processing System (CPS). A Financial Aid representative may also select additional applications for verification when there is discrepant information in the application or missing information on the FAFSA. The Financial Aid Office notifies students that they have been selected for verification by means of a “Missing Information Letter” which also requests that students provide documents needed to complete the verification. This letter is sent by regular mail and PCOM Groupwise e-mail. Letters are generated 10 to 14 days prior to the institutional deadline for application completion, and 10 to 14 days prior to the term tuition due date. If there is no response from the student to the mailings, a Financial Aid Representative will also follow up with a phone call or email to the student. Students are expected to submit the required documents within 14 days of receipt of the notice. The student’s application is not processed further until such time that all required documents are received. The institution does not create estimated financial aid packages using unverified data when verification is required. The institution excludes applicants selected by the processor from verification consistent with program guidelines as follows: • Applicants who die during award year(regardless of conflicting information) • Applicants who are legal residents (or dependents of parents who are legal residents) of the Commonwealth of the Northern Mariana Islands, Guam, or American Samoa • Applicants who are citizens of (and dependents of parents who are citizens of ) the Republic of the 52 Marshall Islands, the Federated States of Micronesia, or the Republic of Palau • Incarcerated students • Dependent students whose parents reside outside the United States and cannot be contacted by normal means of communication (exclusion is applicable to parental information only) • An applicant who is an immigrant and arrived in the U.S. during either calendar year of the award year • An applicant whose parents’ address is unknown and cannot be obtained (exclusion is applicable to parental information only) • A dependent applicant and both parents are deceased or physically or mentally incapacitated (exclusion is applicable to parental information only) • An applicant who will not re c e i ve Title IV assistance for reasons other than the applicant’s failure to verify the information on the application • A transfer student who completed verification at the previous school and the current school obtains the correct information/data II. REQUIRED VERIFICATION ITEMS The Financial Aid Office verifies the following data elements: household size number enrolled in college adjusted gross income income taxes paid untaxed income and benefits any other amounts determined by the Financial Aid Office Items which may be exempt from verification are: • Household size or number in college does not have to be verified if output document is received within 90 days of applicant/parent signing it; • Number of family members in the household or the amount of child support re p o rted by an applicant selected for verification does not need to be verified or it is the same as that verified by the institution in the previous award year; • Enrollment of family members at least half-time in postsecondary educational institutions does not have to be verified if they are enrolled at the same institution, as the applicant and the institution verifies their enrollment status from its ow n records; • Untaxed income and benefits need not be verified if the applicant or the applicant’s spouse or, in the case of a dependent student, the applicant’s parents receive untaxed income or benefits from a federal, state, or local government agency determining the eligibility for that income or those benefits by means of a financial needs test. III. D O C U M E N TS REQUIRED FROM THE STUDENT All students selected for verification must submit the following documents: • Federal Verification Worksheet • IRS form l040, 1040A or 1040 EZ signed by taxpayer to document AGI and taxes paid. If the 1040 is not available then one of the following is acceptable - IRS Letter 1722, Form W-2, Form 1099, Form 4868, or signed electronic return with tax data. • The Financial Aid Office may ask for additional documents to verify untaxed income and benefit amounts that cannot be verified by the tax return. • When applicable, students may be sent a copy of the FAFSA Worksheet A, B, and C to complete, sign and return in order to verify data items in those fields. IV. TIMEFRAME All required documents must be received by the last day of the award period or the last day of the s t u d e n t’s attendance in order to meet the institutional requirement for packaging student aid. Loans must be certified by the school using the verified EFC during the award period. Any required documentation submitted after the term of enrollment or last date of attendance will not enable processing of federal funds available to graduate and professional students. V. INTERIM DISBURSEMENTS Students who are selected for verification are not packaged with federal funds until the verification is completed. Therefore, the Financial Aid Office does not make interim disbursements prior to verification or experience potential over payment of Title IV funds. VI. VERIFICATION CORRECTIONS AND STUDENT NOTIFICATION The Financial Aid Office notifies students by e-mail when a correction makes it necessary to reprocess the FAFSA. The institution will re q u i re that the student reprocesses the FAFSA with the CPS when there is a change in the EFC due to recalculation, or if verified items exceed the tolerance allowed in federal verification guidelines. The tolerance for the differences is no more than a total of $400 between all verified and reported FAFSA dollar values. There is no tolerance for non-dollar items. The student will be notified by e-mail as to what items need to be corrected as well as the verified value for that item. The student will be notified by e-mail of the recalculated EFC or if no change is expected, as well as the impact, if any on the student’s expected aid. The student’s award is available in real time to the student via the student’s web access account. Printed award letters are mailed to the student. Students are notified by e-mail when a revision is made to their financial aid package directing them to view the current award via web access. Printed revisions are available upon request. Students may meet with a financial aid counselor in regard to corrected information and the reprocessing 53 procedure, timeframe, and effect on the student’s eligibility for aid. VII. OVERPAYMENT OF TITLE IV FUNDS The institution has safeguards in place to prevent payment prior to the completion of verification as described in Section V. However, if overpayment should occur funds are returned according to Title IV regulations. For example, if overpayment is a result of student ineligibility for a program or programs, funds received under those programs will be returned to the program(s) for which the student is no longer eligible. 54 Glossary of Terms Accrued Interest Adjusted Gross Income (AGI) Interest, which accumulates upon the unpaid balance of your loan's principal. Income after all deductions, such as Social Security payments, federal, state and local taxes, health and life insurance premium payments, and retirement benefits; also referred to as net income. The gradual reduction of loan debt by your monthly payments of principal and interest. The last payment of a loan that is much larger than the preceding payments. When balloon payments occur, frequently the borrower cannot afford to pay the balance, necessitating the negotiation of another loan to pay off the first one. If there are to be balloon payments, they should be clearly stated in the loan contract. A legal action in which a person who is unable to meet financial obligations is declared bankrupt by a decree of the court. Under the Federal Bankruptcy Law, this person’s property becomes liable to administration to satisfy creditors. Anyone who obtains funds from a lender through an extension of credit for a period of time. The borrower is required to sign a "promissory note" as evidence of indebtedness. Some student loans may be canceled in full or part for serving in a particular geographic location or in a particular field. Also, unlike regular consumer loans, the balance of a student loan may be canceled upon the death or disability of the borrower. Each "service-cancelable" loan has its own stipulations. A process which adds unpaid interest to the principal of a loan, thereby, increasing both the balance due and your monthly payments. Usually a lender capitalizes the interest of a loan when the borrower is unable to pay the interest as it accrues. Examples of loans that capitalize interest are the alternative and unsubsidized Stafford. The action or frequency where interest is computed and added to the principal to arrive at a new balance. If the promissory note indicates that the interest will be compounded, the lender will, at stated intervals, assess interest. The first time this is done, the interest rate will be computed on the original principal. The sum of the first interest amount and the original principal become the new amount on which the next interest assessment is made. NOTE: Given the same rate of interest and the same original principal for the same length of time, a borrower will pay back more if compound interest is charged. A way to refinance many of your existing loans by combining them into one new loan. Usually a consolidation loan has a lower monthly payment and a longer term than your combined original loans, but increases your interest paid. Proceed with caution, not advisable for all students! Varies with needs of each student. A second credit-worthy party who is required to sign a promissory note for a loan with a borrower who has no collateral or credit history. This party, by signing, guarantees that the loan will be repaid if the borrower defaults. Some credit and loan contracts require that the borrower purchase life insurance to cover payment of the debt in the event of his/her death. The creditors cannot require that the insurance be bought from them. If such insurance is required, you are well advised to shop around so that you can compare costs and benefits. 55 Amortization Balloon Payment Bankruptcy Borrower Cancellation Capitalizing Interest Compounded Interest Consolidation Loan Cosigner Credit Life Insurance Glossary of Terms Default Failure to meet your financial obligations when a promissory note becomes due and payable. Defaults are recorded on your permanent credit record. The lender or government can take legal action against the borrower. A deferment allows you to postpone payment of your student loan if you meet the requirements. Deferments can be granted for a variety of reasons. Internship and residency are your major reasons for deferment. Interest payments that are delayed while a borrower is not gainfully employed. When the borrower again becomes a wage earner, the interest payments are resumed. This benefit is generally applies to federal stafford student loans. Failure to make a payment when due. The date your lender issues your educational loan checks. This is not always the date the school receives the loan check. Statement of the actual cost of a loan, which includes the interest rate and any additional finance charges. Lenders must present a disclosure statement to borrowers when the loan is made. Term used by Health and Human Services to define eligibility for certain aid programs based on parental adjusted gross income and number of exemptions. Includes tuition and fees, books and supplies, food, room or housing, transportation, clothing, and miscellaneous personal expenses. Educational expenses do not include costs incurred for marriages, honeymoons, divorces, vacations, and expenses not directly related to or necessary for the successful completion of the program. Deferment Deferred Interest Delinquency Disbursement Disclosure Statement Economically Disadvantaged Educational Expenses Entrance Interview Required by the federal government for first- time borrowers. The interview is designed to insure that borrowers are fully aware of their rights and responsibilities. The entrance interview consists of reading a detailed information packet. Financial Aid Office staff will be available to answer any questions you have as a result of the information you receive. Exit Interview A required individual or group counseling session you will have with your school's financial aid representative, held shortly before you leave school. The purpose of the interview is to give you information about loan repayment and debt management strategies. Payments will be fixed or graduated over a period of 25 years. Extended Repayment Plan FAFSA Free Application for Federal Student Aid. Its completion is required for all aid processed through the Financial Aid Office. Forbearance is a special arrangement made for financial hardship. If you meet the requirements, forbearance could change the terms of your student loan so that you may postpone principal payments, extend the amount of time you have to repay your loan or allow you to make smaller payments for a specified period of time. You must contact the holder of your loan. The deduction of a portion of a borrower's paycheck with or without the borrower's consent, that a lender may take in order to force repayment of a loan, that is in default. 56 Forbearance Garnishing Glossary of Terms Grace Period A period of time during which a borrower incurs no loss or penalty for postponing payment of a loan. Some student loans require payment immediately after the borrower's graduation. Grace periods are specified in promissory notes. A loan repayment plan in which payments are lower at first, then increase over time. Each payment must at least equal the interest accrued on the loan between scheduled loan payments. A state or non-profit agency that administers a student loan insurance program. Graduated Repayment Plan Guarantee Agency Holder Income Sensitive The institution which has legal possession of your student loan. A loan repayment plan that bases your monthly payment of your yearly income and your loan amount. As your income rises or falls, so do your payments. A fee deducted from the principal which is sent to a guarantee agency or the government to offset processing costs. It acts as default insurance and death and disability insurance. The price paid (or fee charged) for the use of borrowed money. The interest is computed as a percentage of the principal. Borrowers repay loans in equal installments over their repayment period. The total amount a borrower is eligible for (including undergraduate amounts) under a particular loan program. A process to determine the "need" for financial aid by considering how much you and your family can contribute to the cost of your education. It is based on an analysis of detailed financial information about your income and assets and those of your spouse and family. A "need analysis" is required for most federal grants, scholarships, the Stafford Loan, PCL and LDS. Awards which are based on financial need and require an analysis or assessment of the family’s financial strength and ability to meet the student’s educational costs. National Health Service Corps. The fee charged by the lender to process a loan. It is deducted from the principal. A term which means that the total amount of financial aid you receive is more than the amount you are eligible to receive. The Financial Aid Office will contact you directly if your award needs to be adjusted, or if you need to repay the amount that causes the overaward. Formerly the National Direct Student Loan (NDSL), it is a federally guaranteed low-interest rate loan awarded to students on the basis of need. This refers to paying off a loan ahead of the schedule that has been established by the lender. The advantage of doing so is that it reduces the total cost of the loan. All federal and most private loans allow for prepayment without penalty. Insurance Fee Interest Level Repayment Maximum Loan Amounts Need Analysis Need Based NHSC Origination Fee Overaward Perkins Loan Prepayment 57 Glossary of Terms Primary Care Loan Low-interest (5%) loan through the U.S. Department of Health and Human Services which requires an obligation to practice primary care. Awards are made on the basis of need. Applicants must provide parental financial information on step 4 of the FAFSA. The face value of a loan, in other words, the amount you borrow. It's also the amount on which interest is charged. A legally binding contract between a borrower and a lender which includes all the terms and conditions of the loan. It is your promise to repay. Promissory notes should be signed for every loan you receive. You should keep your copies in your permanent files. A company whose purpose is to buy student loan portfolios from lenders. The amount and timing of repayment, for example: Equal installments – loan payments of $50/month or $90/quarter. Graduated payments – smaller loan repayments in the first years of repayment with larger payments over time, (Assumes that your income increases over time). Income sensitive repayments – repayments that change with your income, so that repayment installments fluctuate as income rises and falls. A list of monthly or quarterly loan payments detailing interest and principal over the life of the loan. Principal Promissory Note Purchaser Repayment Options Repayment Schedule Secondary Market A state or private agency that purchases student loans from lenders. The purpose of the secondary market is to provide liquidity to lenders so they may continue to make additional loans. Servicer The entity designated to track and manage a loan on behalf of the lender or holder of the loan. These responsibilities include billing, processing deferment forms and forbearance request, sending out loan notices and responding to borrower inquiries. When a lender or holder uses a loan servicer, the borrower sends all payments, deferment forms, forbearance documentation, and other correspondence to the servicing agency, not to the lender. Interest is paid by the government and therefore does not accrue during specified periods of the loan (e.g., during grace and deferment periods). The amount of time you have to repay your loan. THE PCOM TITLE IV SCHOOL CODE IS 015979. Enter this school code on step six of the FAFSA. Interest accrues to borrower’s account, starting on the date the funds are disbursed. Rates of interest are tied to a certain index (depending on the loan) and change periodically as the index changes. Subsidized Term Title IV School Code Unsubsidized Variable Interest 58 The Privacy Act of 1974 (5 U.S.C.552a) The Privacy Act of 1974 (5 U.S.C.552a) requires that the following notice be provided to you: The authority for collecting information from and about you (such as your Social Security number) is Section 484(a)(4)(B) of the Higher Education Act of 1965, as amended [20 U.S.C. 1091 (a)(4)(B)]. Participation in the Federal Family Education Loan Program is voluntary, but the requested information is necessary for participation. The principal purpose of this information is to verify your identity, to determine your program eligibility and benefits, to permit the servicing of your loans and in the event it is necessary, to locate you and to collect on your loans if you are delinquent or in default. The routine uses of this information include its disclosure to federal, state or local agencies; to private parties such as re l a t i ves, present and former employers, and business and personal associates; to guaranty agencies; to credit bureau organizations; to educational and financial institutions; and to agency contractors in order to verify your identity, to determine your program eligibility and benefits, to permit the servicing or collecting of your loans, to counsel you in repayment efforts, to investigate possible fraud and to verify compliance with program regulations, or to locate you if you become delinquent or default on your loan payments. You must provide all of the information requested to have your application processed. Section 7(b) of the Privacy Act of 1974 (5 U.S.C. 552a note) requires that when any federal, state, or local government agency requests that you disclose your Social Security Number (SSN), you must also be advised whether that disclosure is mandatory or voluntary, by what statutory or other authority your SSN is solicited, and what uses will be made of it. Section 7 (a)(2) of the Privacy Act provides that an agency may continue to require disclosure of your SSN as a condition to grant you a right, benefit or privilege provided by law in cases which the agency required this disclosure under statute or regulation before January 1, 1975, in order to verify the identity of an individual. Disclosure of your SSN is required to participate in the Federal Family Education Loan Program. The United States Department of Education has, for several years, consistently required the disclosure of the SSN on application forms and other necessary Federal Family Education Loan Program documents adopted pursuant to published regulations. Your SSN will be used to verify your identity and as an account number (identifier) throughout the life of your loans to record necessary data accurately. As an identifier, the SSN is used in such activities as determining your program eligibility, certifying your school attendance and student status, determining eligibility for disability or death claims, and tracing and collecting from you in case you become delinquent or default on your loan payments. 59 Index A Air Force Health Care Recruitment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Allen Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Alabama Osteopathic Medical Association Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 9 Alternative Documentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 1 Alumni Association of PCOM Loan Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Alumni Association of PCOM Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 8 Alumni Association Albert D'Alonzo, D.O., Memorial Student Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 5 Alumni Association Tr a veling Fellowships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 6 American Academy of Physician Assistants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 7 American Association of Surgical Physician Assistants Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 6 American Association of Un i versity Women Education Foundation Selected Professions Fellowship . . . . . . . . .4 0 American Medical Women’s Association (AMWA) Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 9 American Osteopathic Foundation Presidential Memorial Leadership Award . . . . . . . . . . . . . . . . . . . . . . . . . . .3 0 American Osteopathic Foundation Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 0 Anderson, William G., D.O. Scholarship for Minority St u d e n t s . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 0 Application Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 0 Armed Fo rces Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 6 Army Health Care Recruitment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Arnstein, Sherry R., New Student Minority Student Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 0 Association of Family Practice Physician Assistants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 7 Association of Physician Assistants in Cardio Vascular Surgery (APACVS) Scholarships . . . . . . . . . . . . . . . . . . .2 6 Association of Physician Assistants in Oncology Annual Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .2 7 Auxiliary to the American Osteopathic Association Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 9 Avallone Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .1 9 Award Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 B Baltimore City Medical Society Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 Barth, Frederic, PhD, Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Benes, George, M.D., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 Berkshire District Medical Society Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37 Board of Trustees Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Board of Trustees Scholarship for Sibling/Spouse . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Brenner Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Burnett Osteopathic Student Research Award . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 Business & Professional Women/USA Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 C Cambria County Medical Society Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 Campus Based Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Cathie Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Central Scholarship Bureau for Maryland Residents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43 City Avenue Physicians Scholarship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 Clarke Scholarship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Class Gift Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Class of 1996 Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19 Cohen Medical Scholarship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32 Colarusso, Richard, D.O. ’66, Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Community Foundation of Greater Buffalo . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32 Community Foundation of Western Massachusetts Scholarship & Loan Fund . . . . . . . . . . . . . . . . . . . . .40, 43 Mary F.T. Conroy Memorial . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Consolidation Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Cost of Attendance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 60 County Governments in New York State . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 Credit Card Processing . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 D Daiber, William, D.O., Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Dannin Osteopathic Educational Foundation Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37 Deferment Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Deferred Payment Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 Delaware Scholarship Incentive Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 Delaware State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 DIMER Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32 Direct Deposit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 Documentation Required . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Dollars for Scholars of Lancaster County . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43 D.O. Student Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Dorf Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 E Expected Family Contribution . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Extended Repayment Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 F FAFSA Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Federal Family Education Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Federal Financial Aid Verification Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .52, 53, 54 Federal Graduate PLUS Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Federal Perkins Loan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Federal Stafford Loan (Subsidized) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Federal Stafford Loan (Unsubsidized) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .12 Federal Work-Study Program (FWS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Feinstein, Archie, D.O., & Cecilia Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 Financial Aid Office Hours . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Financial Aid Office Staff – PCOM . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Financial Aid Office Staff – Georgia . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .5 Financial Need . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Finkelstein, Leonard, D.O., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Fireman, Jack M., D.O., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Five Brothers Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Forbearance Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Ford, Betty Summer Institute . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .31 Foundation of the Pennsylvania Medical Society Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37 Fraternal Organizations . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 Frequently Asked Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .7, 8 Frequently Requested Telephone Numbers and Websites . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .6 G Georgia “County Doctor Scholarship Loan” . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38 Gibson Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 Glossary Terms . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .55, 56, 57, 58 Goldman Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41 Gorin Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Government Loan Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Graduated Repayment Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Groff Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33 Guest, D.O., Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 61 Gundaker Foundation, Inc. Grant Awards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41 H Harman, Leonard, DO, Student Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .20 Harris, Raymond J., Trust Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Hassman Family Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Hellenic University Club of Philadelphia Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41 Herrin, Edith F., Trust Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Hoffman Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .21 Hoover Educational Loan Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 I Income Sensitive Repayment Plan . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Income Tax Returns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Independent Verification Form . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Indian Health Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Indian Health Service Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 International College of Surgeons Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38 International Order of the King’s Daughters and Sons Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41 Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 J Japanese American Citizen’s League Scholarship Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .41 Johnson, Ernest, D.O., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Johnson, Robert Wood, Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 K Kearney, John, D.O., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Knights Templar Educational Foundation Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 Kornberg Internal Medicine Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 L Labor Unions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 Lacavera, Joseph, D.O., Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Ladeau Trust Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33 Lambda Omicron Gamma (LOG) Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22 Lancaster City and County Medical Society Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33 Lancaster Osteopathic Health Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .33 Lax Scholarship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42 Lebanon County Medical Society Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 3 Lemberg Scholarship Loan Fund, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .44 Lincow Pain Management Memorial Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Loans for Disadvantaged Students (LDS) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Loeb Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Lowengard Scholarship Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42 M Maryland State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 Master, Bernard, D.O., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Master Promissory Note . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 McCaughan Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23, 30 Measey Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Medical Societies of the Counties of Chenango and Ostego, NY . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .32 Medical Society of New Jersey Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38 Miller Trust Fund for Education . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42 Minority Medical Student Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 62 Missing Information Letter . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Montgomery County Medical Society Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38 Moore, Elise B., Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 Moritsugu, Donna Jones, Memorial Award . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 N National Association of Residents and Interns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 National Health Service Corps Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .46 National Health Service Corps State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 National Health Service Corps Scholarships (NHSC) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 National Medical Fellowships, Inc . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 Navy Officer Programs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 New Hampshire Charitable Foundation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42, 44 New Jersey Osteopathic Education Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .34 New Jersey State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 New York State Loan Forgiveness Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 Nicholas, Nicholas, D.O. Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Non-Tax Filer . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 Northwest Osteopathic Medical Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 O Ohio Osteopathic Foundation Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .38 Ohio State Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 Office Depot Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Osteopathic Foundation of Central Washington Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 P Parents/Spouse/Employers . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 Parkview Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 PCOM Financial Aid Application Information & Application Process . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .10 PCOM Grants for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .17 PCOM Need-Based Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 PCOM Pending Loan Advance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 PCOM Scholarships for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 PA Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .48, 49 PA Osteopathic Medical Association Loans (POMA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39 PA Osteopathic Medical Association Scholarships (POMA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 Physician Assistant on Orthopedic Su r g e ry Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28 Pieringer, Joanne, Ph.D., Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23 Pisacano Scholars Leadership Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 Polyprobe Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Presbyterian Church Loan Program (USA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 Presbyterian Church Scholarship Program (USA) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .35 Prescott Medical Scholarship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 Primary Care Loan (PCL) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 Privacy Act of 1974 . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .59 Private Loan Sources for all Student . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43 Private Loan Sources for Medical Student . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .37 Private Scholarship Sources for all Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 Private Scholarship Sources for Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .29 Private Scholarships and Grants . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Programs Exclusive to Medical Student . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15 R Reed, Joanna F., Medical Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 Refund Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 63 Repayment Plans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .13 Residents and Interns . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 Rosan, Jay, D.O. ’71 Philadelphia Futures Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Roseman Awards . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Rowland, Thomas M. Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Rugby Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24 Rupert, Sara, RN, Class of 1933 Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .28 S Santerian, Corinne, D.O. Scholarship in Pediatrics . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Savvy Student Traveler Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .30 Scholarship Foundation of St. Louis Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 Scholarships and Grants Exclusive to Medical Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16 Scholarship Programs Exclusive to Medical & Physician Assistant Students . . . . . . . . . . . . . . . . . . . . . . . . . . .26 Scholarship Programs Exclusive to Physician Assistant Students . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .26 School As Lender Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14 Simelaro Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Smith, Louisa, D.O. ’25, Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Snayberger Memorial Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .42 Society of Emergency Medicine Physician Assistants (SEMPA) Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . .28 Strong Foundation Student Loans . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .45 Student Aid Report . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Student Eligibility . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Student Osteopathic Medical Association (SOMA) Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 Szutowicz, Michael, P., D.O., Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 T Tennessee Health Access Incentive Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .48 Tucson Osteopathic Medical Foundation Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39 Tuition Refund Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .50 V Verification of Citizenship Status . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .11 Veterans Administration . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .47 W Wagman Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18 Washington State Osteopathic Foundation Loan Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .39 Welch Scholars Grant . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .3 0 West Virginia Loan Repayment Program . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .49 Westmoreland County (PA) Medical Society Loan Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .40 Wettrick Charitable Foundation Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 What is Financial Aid . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .9 Withdrawal Policy . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .51 Worcester (MA) District Medical Society Scholarships . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .36 Y Yardley Fellowship Fund . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .43 Young, Jessie Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 Yunginger, Lewis, D.O. ’35 Memorial Scholarship . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .25 64