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HARVARD MEDICAL SCHOOL
2003-2004
FINANCIAL AID GUIDEBOOK
Harvard Medical School is accredited by the Liaison Committee on Medical Education of the American Medical Association and the Association of American Medical Colleges.
The 2003-2004 Financial Aid Guidebook is presented by Harvard Medical School to assist students and others to understand the policies, procedures, and programs of the School’s financial aid program. It should be recognized that all information in this guidebook is subject to revision. Information contained herein supersedes that previously published and is subject to change.
TABLE OF CONTENTS
Eligibility Requirements
Non-Discrimination
Enrollment Status
Satisfactory Academic Progress
Citizenship Status and the Federal Aid Programs
International Students
M.D./M.P.H. Candidates
Joint Degree Candidates (except M.D./M.P.H. Students)
Student Rights and Responsibilities
Student’s Rights
Student’s Responsibilities
Fraud
U.S. Income Tax Liability
The Financial Aid Application Process
Application Materials
Two Pathways to Financial Aid
Award Notifications
Determining Financial Need
Financial Need Equation
Need Analysis Methodology
Family Resources
Student Contribution
Parent Contribution
Self-Supporting Status
Non-Custodial Parents
Replacing a Missing Parent Contribution
Spousal Contribution
Student Budget
Purpose and Design
Tuition
Health Service Fee and Insurance Fee
Disability Insurance
Book and Supplies
Housing and Food Allowance
Transportation Allowance
Computer Purchases
Child Care Expenses
Married Students
Non-allowable Expenses
Financial Aid Packaging
Unit Loan Concept
Fifth-Year Students
Harvard Medical School Scholarships
Outside Scholarship Policy
Sample Award Cases
Appeals
Financial Aid Resources
Federal Title IV Programs
Federal Direct Subsidized and Unsubsidized Stafford/Ford Loans
Federal Carl D. Perkins Loan
Federal Work-Study Program (FWS)
Federal Title VII Programs
Scholarships for Disadvantaged Students (SDS)
Loans for Disadvantaged Students (LDS)
Primary Care Loan (PCL)
Institutional Aid Programs
Harvard Medical School Scholarships
General Restricted Scholarships
Harvard Medical School Revolving Loan (HMSRL)
Wolfson Loan
Other Campus-Based Programs and Programs with Special Funding
HST Research and Teaching Assistantships
M.D./M.P.H. Program
M.D./Ph.D. Program
HMS Research Fellowships
Outside Loan Programs
Massachusetts Medical Society Loan
Harvard-Citibank HELP Loan Program
Private Outside Scholarships Coordinated by the Financial Aid Office
Joseph Collins Foundation Scholarship
National Medical Fellowships
Federal Programs with a Commitment of Future Service
Armed Forces Health Professions Scholarship Program
National Health Service Corps Scholarship Program
Disbursement of Financial Aid
Harvard Loans and Scholarship
Outside Loans and Scholarship
Federal Work-Study
Term Bill Refund Checks
Refund Policy
Loan Counseling Services
First-Year Students
Second-Year Students
Third-Year-Students
Fourth-Year Students
Exit Interviews
Financial Management Seminar
Miscellaneous
The Financial Aid Information Page
Tomorrow’s Doctors Website
Debt Management
Average Indebtedness of HMS Graduates
Debt Prior to Matriculation
Loan Reduction Strategies
Managing Debt After Graduation
Budgeting
Prepayment
Grace Period and Deferment
Forbearance
Repayment
Consolidation
Delinquency and Default
Loan Ombudsman Office
Credit Agencies
Loan Repayment Programs
American Academy of Family Physicians Foundation
Army Reserve’s Health Professionals
Disadvantaged Health Professions Faculty
Indian Health Service (IHS)
National Health Services Corps (NHSC)
NHSC State Repayment
National Institutes of Health Research
The Financial Aid Administration
Appendices
2003-2004 Harvard Medical School Student Budget
Financial Aid Calendar 2003-2004
10 Good Habits for a Sound Financial Future
Student Loan Record Sheet
Interest Conversion Factor Table
Loan Repayment Worksheet
Student Budget Worksheet
Detailed Monthly Budget Worksheet
Average Housestaff Stipends
HMS Loan Fact Sheet
Deferment Options Chart
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