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Financial Aid for US Students

WAYS & MEANS OF FINANCIAL AID
US Federal Student Aid Program
2011-2012 AWARD YEAR
Medical University of Lodz, Poland

OVERVIEW

Eligible students are certified for financial aid by the Office of the Dean for English Language Programs. Aid is provided through loans repayable by the student after graduation or when no longer enrolled. Repayment can begin 30 days or 6 months after the last date of attendance as determined by the terms of the loan program.

Eligible students must be admitted to study, register to attend at least half time and maintain satisfactory academic progress toward the completion of the full degree program.

Government guaranteed and private student loan funds may pay all or most of both direct and indirect educational expenses. Indirect educational expenses include the student’s modest living expenses during the academic term.

The annual maximum of certified loans is fixed by the estimated cost of attendance (COA) budget prepared annually and approved by the management of Administration Center for Studies in the English Language.

The COA may also be adjusted on a case-by-case basis for allowable extraordinary circumstances not applicable to the general student population such as disability-related expenses and dependent care.

The principal loan programs are available to citizens or permanent residents of the United States and Canada. Private credit-based loan programs are also available and extended to international students who meet lender co-signing terms. Smaller private loans are available for Indian citizens with co-borrowers.

In addition to citizenship requirements, a student must (a) not be in default on prior student loans nor have unpaid over-awards for prior loans or grants at any institution; and (b) must comply with the Federal requirement to register with the Selective Service; and (c) must comply with the Higher Education Act of 1965, as amended, standards for drug convictions; and (d) must comply with the University Policy on Satisfactory Academic Progress.

ANNUAL APPLICATION

US students needing financial assistance to help pay tuition, fees and other educationally related costs must first complete the on-line Free Application for Federal Student Aid (FAFSA) before the start of the academic year.

  • Timely application is emphasized so that funds for which you are eligible will be available in time to pay all charges by the dates due and thereby avoid late-payment charges.

US Citizens and eligible non-citizens who have previously received federal student loans and have completed a FAFSA electronically can go directed to www.studentloans.gov and complete the Application for this current academic year. Otherwise, first establish an account with the Department of Education and establish your electronic PIN for signing required documents at www.PIN.ed.gov. Both web sites provide an extensive amount of information and should provide the facts to answer most, if not all of your questions. However, you may contact the Dean’s Office during the regular campus hours. You may also send your questions by email to MUL@adjunctservices.org and receive timely response.

Canadian citizens and resident aliens may also contact the Canada Student Loan Program and the office in your home province at: www.servicecanada.gc.ca/eng/goc/cslp.shtml

When you have completed and submitted your FAFSA, the US Department of Education will issue a Student Aid Report. You should print a copy for your files and carefully review all comments. Respond where necessary with corrections and additional information. You must include Medical University of Lodz as a school to receive a copy of your report. Use the DOE Code: G38505. When you include the school code, the University will receive an electronic copy of your SAR. If any corrections are needed you will be notified. Or, if you notice information that must be completed or updated, you may go directly to the FAFSA website and file your corrections.

READ THE COMMENTS AT THE END OF THE SAR AND FOLLOW ALL INSTRUCTIONS.

The first important item on your SAR is the EFC number. It is deducted from the COA budget to determine the amount of Direct Loan Subsidized funds you will receive, to a maximum of $8500. The remainder of your loan eligibility will be filled by Direct Loan Unsubsidized and Direct Loan PLUS awards. You will receive confirmation of the amount of each loan type on your Notice of Financial Aid Eligibility.

Next you should examine all of the comments that have been included in your report. Provide the Dean’s Office with all documents that may be requested. See the contact section of this publication for appropriate addresses and phone numbers

APPLICATIONS MUST BE COMPLETE.

Students will be contacted when documents are still needed to complete the financial aid eligibility determination. Students relying on financial aid to pay tuition and fee costs may not be able to register and/or begin classes with an incomplete file unless specifically approved by the Dean.

Generally, the documentation most requested will be (a) clear copy of both pages of your passport (certified to be a true copy); (b) copy of your social security card; (c) copy of your driver’s license; (d) copy of legal name change since matriculation at this University – if applicable.

COMPLETE ELIGIBILITY APPLICATIONS:

When we have your complete application your eligibility can be determined your Financial Aid Eligibility Notice will be sent by email to the address listed on your FAFSAA application. The Notice provide the source and amount of all student loans that will be available for the academic year. Also included is the COA budget for that period for immediate reference as you complete your review of funds needs for study-related costs.

COMPLETE BORROWING APPLICATIONS

After reviewing your Notice to determine that you will have sufficient funds to pay your educationally related costs, you can return to the US DOE web site www.studentloans.gov to complete a master promissory note AND to complete the entrance interview to refresh your knowledge of your rights and responsibilities under the various loan programs. You should not borrow more that you reasonably expect to require for the academic period. Remember these are funds that must be repaid with interest.

The option to government provided assistance are loans from private lenders. Students choose the loan source. The University can suggest but does not endorse any particular lender nor a loan product.

• Historically the listed lenders have been the principal source of private loans to students attending foreign schools.

LOAN DISBURSEMENTS

When loans are certified, the school will select the earliest disbursement date consistent with Direct Loan Program regulations.

  • Federal Loans are originated by the University based on your application and approvals. Funds are disbursed electronically directly to the University and all credit balances due you (after tuition and fees are paid) are sent to a bank account you designate to the Student Accounts Officer in the Dean’s Office.
  • Private loans and those from the Canada Student Loan Program and issued as paper checks paid jointly to the student and University.
  • The Financial Aid Eligibility Notice will list the recommended/expected disbursement dates for each loan and include information on how to decline a disbursed or about to be disbursed loan.

ELIGIBILITY MUST BE MAINTAINED:

Loans proceeds may be forfeited when enrollment status changes either during or after the academic period for which funds have been certified.

Students withdrawing during a enrollment period may not be eligible for all funds received or scheduled for disbursement. The Financial Aid Officer determines the amount of any unearned loan funds to be returned by either or both the University and student.

  • Students may apply to the Dean for a Leave of Absence (LOA).
  • Students receiving federal student aid must request in advance and receive approval for a leave of absence.
  • Federal financial aid cannot be used to fund expenses incurred during a leave of absence. Nor can loan funds be disbursed during a LOA.

CLINICAL DIVISION ELIGIBILITY

Students must be registered and attending on either a scheduled academic year in Poland or borrower based academic year at an approved clinical training site outside Poland.

  • When promoted into the clinical division students will attend an academic year based on scheduled clerkship rotations.
  • The borrower based academic year must be confirmed and approved by the Dean.

Interruptions may result in a change in enrollment status for financial aid purposes and affect loan disbursements as well as the start of the grace period before loan repayment must begin.

  • Interruptions greater than forty-five (45) will cause the financial aid office to report the student withdrawn for financial aid purposes unless a Leave of Absence has been requested and approved for the interruption.
  • The total approved LOA in a 12-month period shall not exceed 180 calendar days of regularly scheduled academic classes. When the LOA exceeds the title IV maximum the student is reported as withdrawn for financial aid purposes.

SATISFACTORY ACADEMIC PROGRESS

All students are expected to proceed with minimum interruption and course repetition to complete all requirements for the degree. Both the government and private loan programs have set standards to be met by all students receiving financial assistance from those programs. The school’s academic regulations and promotion policies are consistent with US Federal standards. The government-sponsored program allows the repetition of courses within defined limits. The private programs may be more restrictive.

  • Students receiving US student loans are monitored each academic year for satisfactory academic progress. Students not making satisfactory progress will lose eligibility for the next academic year.
  • The loss of eligibility may be appealed on the basis of the death of a relative, an injury or illness of the student, or other special circumstances.
  • Students whose eligibility is reinstated after an appeal are on financial aid probation and must satisfactorily complete all course work at the end of the regularly scheduled academic term of probation.
  • Probation for consecutive academic years is prohibited and results in the loss of financial aid eligibility for the next academic year. Students may appeal after one year and must demonstrate the ability to meet all other academic progress requirements.
  • Satisfactory academic progress is also measured in the total attempted academic years to complete the MD program of studies.
  • For financial aid purposes, the Four Year program must be completed in 5 attempted academic years; and the Six Year program must be completed in 7 attempted academic years.
  • Upon losing student status and financial aid eligibility a student may reapply to the Dean within three (3) years from the loss of eligibility. The student must meet the minimum requirements of a dismissed student applying for re-admission.
  •  The Financial Aid Officer shall determine and give written notice to each financial aid applicant who is determined to be on financial aid probation Such notice shall be given at the end of each academic year.

Alternative (non-governmental loan) lenders may be more restrictive in permitting loans for repeat courses or semesters. The repetition of an academic level may be defined in those programs as not-making satisfactory academic progress and the loss of alternative loan eligibility until the course work has been successfully repeated and the student is promoted to the next academic level (e.g., from a first-year to a second-year student)

All students who are required to repeat one or more courses will also be required to meet with a financial aid counselor in addition to an academic counselor to review the standards for continued financial aid eligibility. [See Academic Regulations]

THE COURSE OF STUDY

At the Medical University in Poland, you’ll follow a path similar to U.S. Medical schools and earn your degree of Doctor of Medicine when you have satisfactorily completed the required program of studies.

Students who wish to be licensed in the USA must also complete the USMLE examinations. The University provides NBME Shelf examinations in the core basic sciences to assist students in preparing to attempt the USMLE. Before qualifying to attempt the

Step 1 Exam, students must also take and receive a passing score on the NBME Comprehensive Subject Exam at the end of the core basic science courses.

All required courses in the Curriculum must be satisfactorily completed for graduation and award of the MD Degree.

THE COST OF ATTENDANCE

The school prepares an annual estimate of the average costs students will incur while enrolled in school.

  • Allowable costs are defined in the US Higher Education Act of 1965 as amended.
  • The maximum from all sources that a student can receive in financial aid for an academic year is determined by the budget prepared by the school.
  • Budgeted amounts are set for each category based on average costs for the area.
  • A separate budget is available for funding through private lenders to take approved board review courses in preparation for USMLE examinations.

Annual Cost of Attendance Summary

On-Campus Off-Campus
$43,026 $44,330

Students are encouraged to only borrow the amount needed for the enrollment period.

Plan to “graduate with a minimum of debt.”

You are borrowing to invest in your future. Use these valuable resources to keep you inexpensively focused on your educational goal. The University works diligently to provide all eligible students with the least costly resources to supplement family resources. Use them wisely.

IMPORTANT CONNECTION INFORMATION

The University directly administers the financial aid process for all students.

The primary contact person in the campus Administrative Center is Ms. Alina Winiarska. You may reach her at alina.winiarska@umed.lodz.pl or contact the loan processing center at mul@adjunctservices.org

For information on the Direct Loan Program you are encouraged to first visit the www.studentloans.gov web site; you may also speak with one of the service representatives for clarification.

Students recruited through AIM and wish to enroll in clerkships and electives outside Poland must contact Mr. Vojdan Rosoklija to arrange a schedule to be approved by the Dean. You may reach him at 1 212 967 2411 or vojdan@gotomedschool.com

AIM continues to assist students entering the degree program through AIM before 2010.

Notes and Record of Contacts

Programs Medical University of Lodz
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