PCOM Financial Aid Handbook - Philadelphia College of

Transcription

FINANCIAL AID HANDBOOK
Processes & Resources for Financing Your Education
PHILADELPHIA COLLEGE OF OSTEOPATHIC MEDICINE
Office of Financial Aid
FINANCIAL AID HANDBOOK
PHILADELPHIA COLLEGE OF OSTEOPATHIC MEDICINE
Last revision: August 2015
Philadelphia College of Osteopathic Medicine
Rowland Hall • Suite 203
4190 City Avenue
Philadelphia, PA 19131
Phone 215-871-6170 • Fax 215-871-6179 • Email [email protected]
www.pcom.edu
Georgia Campus - Philadelphia College of Osteopathic Medicine
Student Services Suite
625 Old Peachtree Road NW
Suwanee, GA 30024
www.pcom.edu
Table of Contents
Policies & Procedures ....................................................................................................................................................5
Disclaimer ...........................................................................................................................................................5
Mission Statement..............................................................................................................................................5
Determining Financial Need ...............................................................................................................................5
Cost of Attendance .............................................................................................................................................5
The Application Process......................................................................................................................................6
FAFSA ......................................................................................................................................... 6
Eligibility ..................................................................................................................................... 6
Financial Aid Checklist ................................................................................................................ 6
PCOM Scholarship Application .................................................................................................... 6
Financial Aid Application Process Timeline ................................................................................. 7
Federal Financial Aid Verification Policy.............................................................................................................8
Applications to be Verified ......................................................................................................... 8
Required Verification Items ........................................................................................................ 8
Documents Required From the Student ...................................................................................... 9
Timeframe .................................................................................................................................. 9
Interim Disbursements ............................................................................................................. 10
Verification Corrections and Student Notification ..................................................................... 10
Overpayment of Federal Title IV Funds ..................................................................................... 10
Satisfactory Academic Progress........................................................................................................................10
Living Expense Refund Policy............................................................................................................................12
Pending Loan Advance (PLA) Requests.............................................................................................................12
Budget Increase Requests ................................................................................................................................13
Tuition Refund Policy ........................................................................................................................................13
Return of Title IV Funds When Withdrawing From All Courses........................................................................14
Resources for Financing Your Education .....................................................................................................................15
Federal Student Loans ......................................................................................................................................15
Federal Direct Stafford Unsubsidized Loan ............................................................................... 15
Federal Direct Graduate PLUS Loan .......................................................................................... 15
Federal Perkins Loan ................................................................................................................. 15
Non-Federal Private Student Loans ..................................................................................................................16
PCOM Alumni Association Loan .......................................................................................................................16
Health Resources and Services Administration (HRSA) Loans ..........................................................................16
Loan for Disadvantaged Students (LDS)..................................................................................... 16
Primary Care Loan (PCL) ........................................................................................................... 16
Super Primary Care Loan (Super PCL) ........................................................................................ 17
Federal Work Study (FWS) ................................................................................................................................17
Eligibility ................................................................................................................................... 17
Award Amount, Pay Rate, and Hours ........................................................................................ 17
Jobs .......................................................................................................................................... 17
Applying for a FWS Position ...................................................................................................... 18
Academic Merit Scholarships ...........................................................................................................................18
Financial Need Scholarships .............................................................................................................................18
Yellow Ribbon Grants .......................................................................................................................................19
Endowed Scholarships ......................................................................................................................................19
PCOM Endowed Scholarships for DO Students .......................................................................... 19
PCOM Endowed Scholarships for Forensic Medicine Students .................................................. 28
PCOM Endowed Scholarships for Physician Assistant Students ................................................. 28
PCOM Endowed Scholarships for Clinical Psychology Students ................................................. 28
PCOM Endowed Scholarships for All Students........................................................................... 28
External Scholarship Programs .........................................................................................................................29
Scholarship Search Websites .................................................................................................... 29
External Scholarship Programs for DO Students ........................................................................ 29
External Scholarship Programs for Graduate Students .............................................................. 40
External Loan Programs ....................................................................................................................................41
External Loan Programs for DO Students .................................................................................. 41
External Loan Programs for DO, Physician Assistant, Pharmacy, and Clinical Psychology Students ... 42
External Loan Programs for All Students ................................................................................... 43
Other Financial Resources ................................................................................................................................45
Fraternal Organizations ............................................................................................................ 45
Labor Unions ............................................................................................................................ 45
Employers ................................................................................................................................. 45
PCOM Deferred Payment Plan .................................................................................................. 45
Veterans Administration ........................................................................................................... 45
City Avenue Physicians Scholarship Fund for Residents and Interns (PA, GA) ............................ 45
Residency and Relocation (R&R) Loan Programs ....................................................................... 45
Policies & Procedures
Disclaimer
Philadelphia College of Osteopathic Medicine reserves the right to make revisions to this handbook at any time.
While we made every attempt to be as accurate as possible, we are not responsible for any errors due to changes
in federal, state, or institutional policies.
Mission Statement
The PCOM Office of Financial Aid is comprised of a team of dedicated professionals who are committed to
providing outstanding customer service. We strive to assist students with financial aid options and promote
financial literacy while maintaining compliance with all federal, state, and institutional policies.
Determining Financial Need
With the exception of Federal Stafford unsubsidized loans and Federal Graduate PLUS loans, federal financial aid is
awarded on the basis of financial need. When the student’s Free Application for Federal Student Aid (FAFSA) is
processed, a formula is applied to the information that the student provided to calculate the student’s Expected
Family Contribution (EFC). The formula is established by law and is used to measure the student’s financial
strength based on their income and assets.
The student’s Federal EFC is used in the following equation to determine the student’s financial need:
Cost of Attendance - Expected Family Contribution (EFC) = Financial Need
Federal need based awards are awarded to students who have the lowest EFC and therefore the highest financial
need. Of course, many need based federal resources are limited and awards are made to those students who
satisfy all of their financial aid requirements on a first come, first serve basis.
For the awarding of institutional resources, PCOM has chosen to use an Institutional EFC. This EFC takes into
account the Federal EFC but also considers other financial factors that are made available to the college. For most
students, their Institutional EFC is usually higher than their federal EFC. Unlike the federal EFC, the institutional EFC
is not reported to the student but rather is an internal calculation done by the Financial Aid Office to allocate its
limited resources to those students who it deems to have the highest financial need.
Cost of Attendance
A student's cost of attendance, or financial aid budget, is the sum of the following:
•
•
•
•
•
•
•
•
•
•
•
•
Tuition
Comprehensive school fee
Class dues (not applicable to all programs)
Books and supplies
Instruments and equipment (not applicable to all programs)
Medical exam costs (not applicable to all programs)
Health insurance
Room/rent
Utilities
Food/groceries
Transportation
Personal
5
Each year the college compiles information from its student cost of attendance surveys along with information
from the Bureau of Labor Statistics Consumer Expenditure Survey (CES) to determine the amount of
increase/decrease, if any, which should be made to the each program’s cost of attendance. Usually, the new cost
of attendance information is made available on the PCOM website for the upcoming school year in March.
The Application Process
FAFSA
To apply for financial assistance at PCOM for each academic year, students must first complete the Free
Application for Federal Student Aid (FAFSA). This online form is the backbone of the financial aid process and is
required in order for a student to be awarded federal student loans, federal work study, and certain PCOM and
external scholarships.
www.fafsa.gov
Eligibility
The basic eligibility criteria for completing the FAFSA are:
•
•
•
•
The student must be a U.S. citizen or eligible noncitizen.
The student must be enrolled or accepted for enrollment as a regular student in an eligible degree or
certificate program.
The student must be enrolled as at least a half-time student (usually at least 3 credits).
The student must maintain satisfactory academic progress (see Page 10 of this Handbook).
Financial Aid Checklist
Students will find their PCOM Financial Aid Checklist within Nucleus. Students must use the Financial Aid Checklist
to complete outstanding requirements, accept financial aid awards, and view their estimated cost of attendance.
Please keep in mind that not all checklist items may be available right away and new requirements may appear
later. It is beneficial to review the checklist several times during the financial aid application process.
Students will be given access to Nucleus from the PCOM Student Affairs Office after they submit their first tuition
prepayment. If students experience trouble logging into Nucleus, they must contact the PCOM MIS Helpdesk.
Students can access their Financial Aid Checklist within Nucleus by using the below steps.
1.
2.
3.
4.
5.
6.
Login to Nucleus (https://nucleus.pcom.edu).
Click on the “Resources for Students” tab.
Scroll down to the Financial Aid section in the right-hand column.
Click the "Click here to access your financial aid checklist" link.
Click the "Financial Aid" tab.
Choose the appropriate academic year.
PCOM Scholarship Application
Students must complete the PCOM Scholarship Application as part of their Nucleus Financial Aid Checklist in order
to be considered for all PCOM endowed scholarship funds that have unique criteria. PCOM endowed scholarship
recipients are selected by the PCOM Scholarship Committee in March of each year for the upcoming school year.
Also, by completing the PCOM Scholarship Application the PCOM Financial Aid Office will specifically notify
students of certain external agency scholarships that they may apply for throughout the school year.
6
Financial Aid Application Process Timeline
Use the dates below as a general timeline for completing financial aid requirements. The dates are subject to
change from year-to-year. The following dates are generally for students admitted to their PCOM program prior to
February 15.
If admitted to their PCOM program after February 15, students must refer to their Financial Aid Checklist within
Nucleus to view their specific Scholarship Consideration Deadline.
J ANUARY 1
• FAFSA made available online at www.fafsa.gov.
F EBRUARY 1
• PCOM Scholarship Application made available on students’ Nucleus Financial Aid Checklist.
• Students should file their taxes as soon as possible and (if applicable) encourage their parents to do
the same.
F EBRUARY 15
• Complete the FAFSA as soon as possible!
o If a student or (if applicable) a student’s parents have not yet filed their federal taxes, students
can use estimated income values to complete the FAFSA.
o PCOM’s school code is 015979. Both PCOM and GA-PCOM students use this code.
o Our office strongly encourages students to use the IRS Data Retrieval Tool (DRT) on the FAFSA to
import student and (if applicable) parent tax information. This tool will minimize documents our
office might request. After filing taxes, it takes about 2 weeks for the DRT to be an option on the
FAFSA.
o After submission, it takes up to 2 weeks for the FAFSA to show as complete on the Financial Aid
Checklist.
M ARCH 1
• The Financial Aid Checklist will display students’ estimated cost of attendance and needed documents.
Review the checklist to complete any outstanding requirements.
M ARCH 15 – S CHOLARSHIP CONSIDERATION DEADLINE
• FAFSA submission is due for consideration for PCOM’s financial need scholarships and federal student
loans.
• PCOM Scholarship Application must be completed on the Financial Aid Checklist for consideration for
PCOM endowed scholarships and external agency scholarships.
A PRIL 15
• The Financial Aid Checklist will display students’ financial aid award summary which will list your
available federal Stafford unsubsidized loan, federal Perkins loan (if applicable), and PCOM scholarship
amounts (if applicable). Students must review the awards and choose the amounts they wish to
accept.
7
Federal Financial Aid Verification Policy
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 Email” which also requests that students provide documents needed to complete the verification.
Emails 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 10 days of receipt of the notice.
The student’s financial aid 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.
Required Verification Items
The following is a listing of the FAFSA information that may need to be verified for applicants who have been
selected. Information is to be verified for the applicant and if appropriate, his or her spouse. Applicants to be
verified fall into one of the following groups and must verify the information listed in their particular group:
G ROUP 1
Students in this group must verify the following if they are tax filers:
•
•
•
•
•
•
•
•
•
•
Adjusted Gross Income
US income tax paid
Untaxed portions of IRA distributions
Untaxed portions of pensions
Education credits
IRA deductions and payments
Tax exempt interest income
Household size
Number in college
Supplemental Nutrition Assistance Program (SNAP) benefits
Students who are not tax filers must verify the following:
•
•
•
•
•
Income earned from work
Household size
Number in college
SNAP benefits
Child support paid
G ROUP 2
Students in this group must verify the receipt of Supplemental Nutrition Assistance Program (SNAP)
benefits.
G ROUP 3
Students in this group must verify child support paid by them or their spouse.
8
G ROUP 4
Students in this group must verify high school completion status and identity/statement of educational
purpose in addition to receipt of SNAP benefits and payment of child support.
G ROUP 5
Students in this group must verify high school completion status and identity/statement of educational
purpose in addition to all items in Group 1.
Documents Required From the Student
IRS D ATA R ETRIEVAL P ROCESS
Applicants selected for verification who retrieve and transfer their income tax return information using
the IRS Data Retrieval Process – either when initially completing the FAFSA using FAFSA on the Web
(FOTW) or through the corrections process of FOTW – will be considered to have verified the FAFSA IRS
information (AGI, taxes paid, and any of the applicable untaxed income items). However, if changes were
made to the transferred information or if the institution has reason to believe that the information
transferred is inaccurate, the applicant must provide other acceptable documentation as included in the
Federal register notice.
IRS T AX R ETURN T RANSCRIPT R EQUIRED
If students cannot or will not use IRS Data Retrieval, either at initial FASA filing or through the FOTW
correction process, they must document AGI, taxes paid, and untaxed income by providing an IRS tax
return transcript for the student and spouse, as applicable.
V ERIFICATION W ORKSHEETS AND O THER R EQUIRED D OCUMENTATION
The PCOM Financial Aid Office will provide a verification worksheet to all students who are selected for
verification. These worksheets can be used to document certain items where a signed statement is
required as listed below:
Household Size
Verification Worksheet
Number in College
SNAP Benefits
Verification Worksheet or agency documentation
Child Support Paid
Income Earned from Work for NON-tax filers
Verification Worksheet and Form W-2
High School Completion
High school diploma or transcript, GED certificate or transcript
showing 2 year completion, or home school credential or
transcript
Identity/Statement of Educational Purpose
Original government-issued ID and signed statement of
educational purpose or a copy of that ID and the statement
notarized.
Timeframe
All required documents must be received by the last day of the award period or the last day of the student’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.
9
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.
Verification Corrections and Student Notification
The Financial Aid Office notifies students by email when a correction makes it necessary to reprocess the FAFSA.
The institution will require 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 difference is no more than $25 for any verified and reported FAFSA dollar value. There is no
tolerance for non-dollar items.
The student will be notified by email as to what items need to be corrected as well as the verified value for that
item.
The student will be notified by email 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 Financial Aid Checklist.
Students are notified by email 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 procedure, timeframe, and effect on the
student’s eligibility for aid.
Overpayment of Federal Title IV Funds
The institution has safeguards in place to prevent payment prior to the completion of verification. 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.
Satisfactory Academic Progress
The United States Department of Education requires every postsecondary institution receiving Title IV federal
funds to have an academic progress policy that is used to determine eligibility for and continued receipt of federal
funds. Although this policy must apply to all students whether or not they are receiving financial aid, the receipt of
financial aid is a privilege that creates both rights and obligations for the student. The Satisfactory Academic
Progress (SAP) policy has three components:
1.
2.
3.
The student must maintain a certain grade point average or a comparative qualitative measurement
against a norm.
The student must complete a certain percentage of all coursework attempted.
The student has a maximum timeframe to complete the program.
Title IV federal funds affected by this policy at PCOM include the Federal Direct Stafford Loan, Federal Direct
Graduate PLUS Loan, Federal Perkins Loan, and Federal Work Study program. Although not required by the federal
government, all institutional funds are also governed by the SAP policy.
A review of SAP will be conducted at the end of every spring term regardless of when a student enrolls. Failure to
meet any component of SAP at the end of the spring term will result in the loss of eligibility for Federal and PCOM
financial aid for the next academic year. The Financial Aid Office will notify the student if the student has failed to
meet the standards of SAP and has lost eligibility for financial aid. If financial aid has already been awarded for the
subsequent academic year, the offer of aid will be rescinded.
10
A student may appeal the loss of eligibility of financial aid and seek to be placed on Financial Aid Academic
Progress Probation for one term. This appeal must be based upon on either the death of a relative, a serious
personal illness/injury, or other extenuating circumstance. The student must be able to demonstrate that the
illness/injury or extenuating circumstance had a direct impact on the student's academic performance. To do this,
the student must work with the appropriate academic program advisor and/or Student Progress Evaluation
Committee to:
1.
2.
Develop an Academic Action Plan
Complete an appeal form for Financial Aid Academic Progress Probation.
After the student’s appeal form for Financial Aid Academic Progress Probation has been approved by the
appropriate academic advisor, it should be submitted to the Office of the Registrar and the Office of Financial Aid
for review. The Financial Aid Office will then notify the student of the approval of the Financial Aid Progress
Academic Probation.
If the student is granted Financial Aid Academic Progress Probation, the student will regain eligibility for financial
aid for one term. At the end of the term, the student’s academic record will be reviewed. If the student is now
meeting the terms of the SAP, the student will regain eligibility for financial aid for subsequent terms. If the
student has still not met the terms of the SAP, but has fulfilled the terms of the Financial Aid Academic Progress
Probation, then the student’s Financial Aid Academic Progress Probation will be renewed for an additional term
and the student will be awarded aid for that term. If the student has not fulfilled the terms of the Financial Aid
Academic Progress Probation, then the student will lose eligibility for federal & institutional financial aid.
Students who are dismissed or withdrawn from the school are not deemed to be making SAP and are not eligible
to receive financial aid. The SAP policy will be disseminated to all newly matriculated students. All students will be
notified yearly of the SAP policy which will be published in this document and available on PCOM’s website.
Doctoral students must achieve a minimum cumulative GPA of 70.
Graduate students must achieve a minimum cumulative GPA of 3.0.
Graduate Certificate students must achieve a minimum cumulative GPA of 2.0.
Pharmacy students must achieve a minimum cumulative GPA of 2.0.
Doctor of Osteopathic Medicine students also must:
•
•
•
Achieve a passing grade on all coursework, validations, exams, and clinical clerkships.
Passed COMLEX I by the end of year 3.
Passed COMLEX II (both parts) by the end of year 4.
All students must complete the appropriate percent of all courses attempted to maintain a good academic
standing. The completion percentage is calculated by dividing total hours earned by total hours attempted.
If a student changes degree programs, then the SAP status will be based on the academic record of the new
program.
It is also important to understand how specific grades and/or course types count toward the completion ratio. The
following grades count as attempted but not completed courses:
•
•
•
•
•
Incomplete
No Grade Reported
Withdraw
Failure
Unsatisfactory
All students at PCOM are required to maintain a 67% completion of coursework. Transfer credits will count
towards a student’s attempted and completed credit hours.
11
Students in the Doctor of Osteopathic Medicine program have 7 years to complete the program from initial
matriculation.
Students in the Doctor of Psychology programs have 7 years to complete the program from initial matriculation.
Students in the Pharmacy program have 6 years to complete the program from initial matriculation.
Students in the graduate programs have 5 years complete the program from initial matriculation.
Any term in which a student is enrolled counts towards the maximum timeframe regardless of whether or not the
student receives federal financial aid.
If you have any questions regarding these SAP policies & procedures, please contact:
Michael Wisniewski
Chief Financial Aid Officer
215-871-6173
[email protected]
Living Expense Refund Policy
When a student’s loan or scholarship funding is received by the PCOM Bursar Office, any balance due to PCOM will
be deducted from the amount of the funds. Any financial aid funding leftover after paying the student’s balance
will then go to the student as a “living expense refund check” via postal mail or direct deposit. All living expense
refunds are issued by the PCOM Bursar Office. To ensure that you receive your financial aid refund on time, make
sure you have completed all items listed on your Nucleus Financial Aid Checklist.
The financial aid disbursement date is generally the start of classes/rotations each term. Please note that vacation
periods do not count as a class or rotation for financial aid refund purposes. Upon the disbursement date, a
student’s loan and scholarship funds pay electronically to PCOM toward the student’s tuition & fee charges. If a
student’s aid disbursement generates a credit balance, the PCOM Bursar Office will then process the refund about
7-14 business days after the disbursement date.
After PCOM processes your refund, please allow 1-3 additional business days for your bank to deposit the funds
into your bank account. If you are not signed up for direct deposit through the PCOM Bursar Office, please allow 35 business days for your refund check to arrive via postal mail.
If you wish to sign up for direct deposit of financial aid living expense refunds, please complete the direct deposit
form (www.tinyurl.com/pcomfinaid-directdeposit) and return to the PCOM Bursar Office along with a voided check
or bank statement.
Pending Loan Advance (PLA) Requests
A student is eligible for a Pending Loan Advance up to 15 days prior to the disbursement of the student’s financial
aid for the upcoming term. The student needs to have completed all requirements to accept their financial aid. All
counselors can complete the PLA form with a student, but final approval is required by an Associate Director or
Director of Financial Aid.
The amount of eligibility will be based on the student submitting the Pending Loan Advance Form. The counselor
will speak with the student in person or over the phone to inform the student about any possible future deficit of
funds for the upcoming quarter and, if necessary, recommend that the student make spending adjustments to
eliminate the deficit.
The student will be asked why they need a PLA on the Pending Loan Advance Form. If the stated reason is an
expense that could not otherwise be included in the student’s cost of attendance or approvable as a budget
appeal, the counselor will deny the request.
The maximum amount available for a loan advance to a particular student will be limited to the lesser of the
following:
12
•
•
•
$2,000 for both graduate and professional students.
Amount requested.
Amount approved by counselor after a review of budget and aid for upcoming term.
The student is limited to one PLA per academic year. If a student has an emergency situation that is unavoidable,
nd
the student can meet with the Debt Management Counselor or Chief Financial Aid Officer to discuss a possible 2
PLA for the academic year. If approved, the Director will make it very clear that no additional PLA will be approved
for the remaining academic school year.
There is no charge for PLA requests.
Budget Increase Requests
In certain circumstances, a student might incur a reoccurring or one-time expense that is educationally related and
that is not already included in the student’s standard cost of attendance. As a result, the student can appeal by
writing a letter to request that this expense be included in their cost of attendance and therefore allow the student
to obtain additional financial assistance (usually additional loan funding) to help them pay this expense.
Documentation of the expense is required for each appeal.
When considering these appeals, the PCOM financial aid office uses a very high standard to determine if the
expense was unavoidable, if the expense was reasonable, and whether or not the expense was directly related to
helping the student obtain their educational degree or certificate. The most common examples of budget increase
requests include a one-time cost for a computer purchase and ongoing dependent care expenses. Final approval
will need to be determined by the Director or an Associate Director of financial aid.
Tuition Refund Policy
If a student withdraws from classes within seven weeks from the start of the term, a pro-rata refund or tuition
credit may be authorized by the PCOM Bursar Office. 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. For courses not conducted on a weekly schedule, summer sessions, and for clinical
clerkships/preceptorships in the medical and physician assistant programs, the refund is prorated according to the
percent of the clerkship, preceptorship or course completed as indicated in parentheses below:
Withdrawal Date
Term charge
% of Credit
During first week of class
(up to 5% of instructional time)
0% term charge
100% credit
During second week of class
(more than 5% but no more than 10% of instructional time)
10% term charge
90% credit
During third and fourth week of class
25% term charge
75% credit
During fifth through seventh week of class
50% term charge
50% credit
Withdrawal after seventh week of class
(more than 50% of instructional time)
100% term charge
0% credit
Exceptions to this refund policy may be made in certain unusual situations permitting PCOM to return more than
the prescribed refund amount. Examples of such situations may include, but are not limited to: academic dismissal
where the student was allowed to continue into the next term before a determination about academic status
could be made, serious illness, injury obtained while at a clinical rotation, or being called to military service.
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 become retroactive.
13
All federal financial aid funds are credited or returned by the PCOM Financial Aid Office in compliance with the
Federal Return Policy Schedule.
A student’s total Cost of Attendance is based on certain enrollment. When a student drops courses, The PCOM
Financial Aid Office will likely reduce the student’s total Cost of Attendance. Often this results in no additional
allocation of refund money to the student.
Contact the PCOM Bursar Office for additional information regarding the Tuition Refund Policy.
Return of Title IV Funds When Withdrawing From All Courses
The PCOM Financial Aid Office is responsible for recalculating federal financial aid eligibility for students who
discontinue enrollment during the term. Upon notification from the PCOM Registrar Office that a student has
withdrawn from or dropped all classes, was dismissed, or is approved for a leave of absence, the PCOM Financial
Aid Office is required to calculate the percentage of the term completed if the student received or was eligible for
Title IV federal student aid (Stafford, PLUS, and Perkins loans).
If the withdrawal date indicates that the student left the institution prior to completing at least 60% of the
enrollment period, the PCOM Financial Aid Office must recalculate the eligibility for Title IV funds based on the
following formula required by the federal government:
1.
2.
Percentage of payment period is the number of days completed to the withdrawal date.
The percentage of earned aid is the percentage of the payment period completed, divided by the total
number of days in the payment period or term. Breaks of five or more days are not counted as days that
are part of the term.
Funds paid by federal student aid programs are returned to the appropriate program based on the percentage of
unearned aid as required by the federal government: The aid to be returned is the result of the total amount of aid
that could be disbursed minus the percentage of aid earned, multiplied by the total amount of aid that could have
been disbursed for the payment period or term. If a student earned less aid than the amount disbursed, the
institution is required to return the unearned portion of funds to the federal program(s). As a result, the student
may owe a debit balance to the institution.
The institution must return the amount of Title IV funds for which it is responsible within thirty days of the date of
the determination of the student’s withdrawal date. Funds are repaid in the following order in accordance with
federal regulation:
1.
2.
3.
Federal Direct Stafford Unsubsidized Loans
Federal Direct Graduate PLUS Loans
Federal Perkins Loans
If a student earned more aid than was disbursed to the student account, the institution would request a postwithdrawal disbursement which must be paid within 120 days of the student’s withdrawal.
14
Resources for Financing Your Education
Federal Student Loans
Federal Direct Stafford Unsubsidized Loan
The annual amount awarded varies by a student’s program and year. The aggregate lifetime borrowing limit varies
by program. There is no credit check required for applying for this loan.
The interest rate is calculated using a base 10-year Treasury Note Index of 1.81% plus an add-on amount of 3.06%.
The loan’s interest rate structure is known as “variable-fixed,” meaning students would receive a new rate with
each new loan, but that rate would be fixed for the life of the loan. The interest rate caps at 9.5%.
Please note that interest accrues while the student is enrolled in school and during other periods of nonpayment.
The student may choose to make interest payments or allow interest to accrue while attending school. Also,
interest is capitalized upon repayment meaning that the interest accrued is added to the principal amount of the
loan.
In addition to completing other financial aid requirements, students must also complete the Direct Loan Entrance
Counseling and a Stafford loan Master Promissory Note on www.studentloans.gov.
More information on the Federal Direct Stafford Loan can be found at www.studentaid.ed.gov.
Federal Direct Graduate PLUS Loan
The annual amount awarded can be up to a student’s Cost of Attendance minus other financial aid (loans,
scholarships, and federal work study) awarded. The Graduate PLUS loan has no aggregate lifetime borrowing limit.
A credit check is required during the application process of this loan on www.studentloans.gov. If the student does
not pass the initial credit check, they can appeal the decision or use a credit worthy cosigner.
The interest rate is calculated using a base 10-year Treasury Note Index of 1.81% plus an add-on amount of 4.60%.
The loan’s interest rate structure is known as “variable-fixed,” meaning students would receive a new rate with
each new loan, but that rate would be fixed for the life of the loan. The interest rate caps at 10.50%.
Please note that interest accrues while the student is enrolled in school and during other periods of nonpayment.
The student may pay interest or allow it to accrue while attending school. Please note that interest is capitalized
upon repayment meaning that the interest accrued is added to the principal amount of the loan.
In addition to completing their financial aid requirements, students must also complete the Direct Loan Entrance
Counseling and a Direct Graduate PLUS loan Master Promissory Note on www.studentloans.gov.
More information on the Federal Direct Graduate PLUS Loan can be found at www.studentaid.ed.gov.
Federal Perkins Loan
This is a federally guaranteed, low-interest loan funded by the U.S. Department of Education, but administered by
PCOM. It is awarded by the PCOM Financial Aid Office to students with exceptional financial need. There is no
credit check required for applying for this loan. The annual amount awarded can be up to $5,000 depending on a
student’s program and year. The Perkins loan aggregate lifetime borrowing limit for graduate students is $60,000.
This loan has a low fixed interest rate set by the federal government. Please note that interest does not accrue
while the student is enrolled in school. Students will repay these loan funds directly back to the institution by
making payments to ECSI (http://borrower.ecsi.net), PCOM’s third party loan servicing company.
In addition to completing their financial aid requirements, students must also complete a Federal Perkins loan
Master Promissory Note on ECSI’s website. ECSI will email instructions to students’ PCOM email address within a
few weeks after students accept the Perkins loan on their Financial Aid Checklist.
15
More information on the Federal Perkins Loan can be found at www.studentaid.ed.gov.
Non-Federal Private Student Loans
Students are free to research and apply for alternative, non-federal graduate and medical student loans from
private banks and credit unions. Private student loan interest rates, interest accrual, annual amounts, aggregate
amounts, and various other loan policies vary between each private lender. It is important for students to discuss
all loan details and conditions with the lender. The annual amount can be awarded up to student’s Cost of
Attendance minus other financial aid (loans, scholarships, and federal work study) awarded. The aggregate lifetime
borrowing limit varies by lender. Most lenders offer fixed and variable interest rates. A credit check is required for
applying for private student loans and having a cosigner can dramatically improve the interest rate.
Use the below link to compare private student loans with the federal Graduate PLUS loan:
http://www.pcom.edu/Financial_Aid/Loans/PLUSvsPrivate.html
Use the below link to review important questions to ask lenders when researching private student loan options:
http://tinyurl.com/pcomfinaid-compare
Use the below link to visit FASTChoice to compare popular private student loan lenders:
http://tinyurl.com/pcomfinaid-fastchoice
PCOM Alumni Association Loan
The PCOM Alumni Association Loan is a low-interest loan awarded to students by the PCOM Financial Aid Office on
behalf of the PCOM Alumni Association. Recipients must be enrolled within a master’s degree level program or
higher. Students must also be in good academic standing and demonstrate financial need. The annual amount
awarded can be up to $3,000 and the aggregate lifetime borrowing limit is $6,000.
This loan has a low fixed interest rate set by PCOM (currently 5.0% fixed). There is no credit check required and
repayment of this loan is to PCOM. Students will repay these loan funds directly back to the institution by making
payments to ECSI (http://borrower.ecsi.net), PCOM’s third party loan servicing company. Also, repayment of this
loan can be deferred during internship and residency.
Health Resources and Services Administration (HRSA) Loans
Loan for Disadvantaged Students (LDS)
The LDS is sponsored by the U.S. Department of Health and Human Services (HHS) and is administered by the
PCOM Financial Aid Office. This loan is available to fourth-year Doctor of Osteopathic Medicine students who
demonstrate exceptional financial need in that the income of the student and parent(s) is less than or equal to
200% of the HHS Poverty Guideline. In the event that there are not enough eligible fourth year medical students,
then awards are made to third-year students who meet the same criteria.
The annual amount can be awarded up to student’s Cost of Attendance minus other financial aid (loans,
scholarships, and federal work study) awarded. The amounts awarded to students will vary by funding available.
This loan has a fixed interest rate set by the federal government and interest does not accrue while the student is
enrolled in school and during other periods of nonpayment. There is no credit check required for applying for this
loan. Students will repay these loan funds directly back to the institution by making payments to ECSI
(http://borrower.ecsi.net), PCOM’s third party loan servicing company.
More details on the LDS here:
http://www.hrsa.gov/loanscholarships/loans/disadvantaged.html
Primary Care Loan (PCL)
The PCL is sponsored by the HHS and is administered by the PCOM Financial Aid Office. The PCL will be awarded to
fourth-year DO students who have successfully completed both the COMLEX 1 and COMLEX 2 board exams. The
student also must have matched in a primary care residency program. Eligible students will be identified in mid16
March after residency match has occurred. Students are required to meet with a financial aid counselor who will
fully explain the advantages and possible disadvantages to this loan. A letter will be signed by the student to
ensure they understand the disadvantages.
The amount of PCL awarded will be based on the amount of federal student loans that the student borrowed in
their 4th year of medical school.
The PCL is a need-based loan and students must submit parental income information on the FAFSA in order to
demonstrate financial need. Independent students do not have to provide parental financial information, but must
be at least 24 years of age and must provide documentation showing the student has been independent for a
minimum of 3 years.
The PCL has a low fixed interest rate of 5.0% determined by the federal government. Interest does not accrue
while student is enrolled in school and during other periods of nonpayment. There is no credit check required for
applying for this loan. Students will repay these loan funds directly back to the institution by making payments to
ECSI (http://borrower.ecsi.net), PCOM’s third party loan servicing company.
More details on the PCL here:
http://www.hrsa.gov/loanscholarships/loans/primarycare.html
Super Primary Care Loan (Super PCL)
Depending on the availability of funding, Primary Care Loan recipients may also be eligible for additional PCL funds
to repay prior student loans in previous years of medical school at PCOM. Terms, conditions, and financial need
criteria of the Super PCL are the same as the standard PCL. Award amounts vary upon the availability of funding.
Federal Work Study (FWS)
The Federal Work Study (FWS) program provides funds for part-time employment to help students to finance the
costs of postsecondary education.
Eligibility
To be eligible for FWS, a student must meet the following criteria:
•
•
•
•
•
Have completed the FAFSA for the appropriate academic year.
Have submitted all financial aid requirements.
Demonstrate financial need.
Be enrolled at least halftime (usually at least 3 credits, but there are exceptions).
Be matriculated in a degree seeking program.
Award Amount, Pay Rate, and Hours
Depending on a student’s eligibility, the usual FWS award is $5,400.00 for the academic year. Students do
not need to reapply for FWS each term. Most positions pay $15 per hour. This works out to be about 10
hours per week over 3 terms. Students should not work more than 20 hours per week with the exception
of summer work where a student can potentially work over the 20 hours.
Students are responsible for managing their FWS hours and may not work in excess of their FWS award as
part of their financial aid package.
Jobs
Jobs range from typical library and office work, to assisting in labs and participating in research. Use the
below link to view potential FWS job positions on both the Philadelphia and Georgia campuses:
http://tinyurl.com/pcomfinaid-fwsjobs
17
Applying for a FWS Position
It is the student’s responsibility to seek out and apply for a FWS job by contacting
supervisors/departments listed on the FWS Job Listing Summary Sheet. After a student has been hired for
a work study position, the student or supervisor will notify the financial aid office so that our office can
add Federal Work Study to the student’s financial aid award. The financial aid office will then send a
Federal Work Study Award Form to the student via email. The student and job supervisor will complete
the FWS Award Form and return it to their appropriate financial aid office. If a student is new to the FWS
program, the student may also need to complete additional forms.
Once all the forms are received and reviewed by the financial aid office, the student and the job
supervisor will receive a Federal Work Study Authorization Email. This email will describe the amount of
the work study award, the number of hours that the student may work, and the name of the supervisor &
timekeeper. A student may not begin to work until this Authorization email has been received!
To view additional details on eligibility, terms, and applying for Federal Work Study, please view our Federal Work
Study Guide:
http://tinyurl.com/pcomfinaid-fwsguide
Academic Merit Scholarships
The Office of Admissions offers Board of Trustees merit scholarships to newly admitted students. If the student is
awarded an admissions merit scholarship, the student will be notified directly by the PCOM Office of Admissions.
Students are not required to file a FAFSA to be considered for these merit scholarships and there is no application.
There are other unnamed Academic Merit Scholarships available to newly accepted students in all programs.
Again, these are awarded by the Office of Admissions and students are generally notified in their acceptance letter
to PCOM.
Awards usually average from $500 to $8,000. Awards are only applied to a student’s first year at the college.
T HE C AROL A. F OX A LUMNI S CHOLARSHIP
This scholarship was created by alumni and friends of Philadelphia College of Osteopathic Medicine to
honor Carol A. Fox for her commitment to the Admissions and Student Affairs programs of the College.
To be awarded upon matriculation to an accepted DO student with funds to be applied to his/her tuition
account. The scholarship should be awarded to a Philadelphia student one year and a Georgia Campus
student the next year.
To be selected by the Chief Admissions Officer upon recommendation from the Admissions Team and the
Admissions Committee with final approval by the Faculty Committee on Admissions.
The following qualities should be considered in the selection of this individual; strong academic
credentials, conversance with the osteopathic philosophy, humanism, leadership potential, prior military
service, scholar athlete. Recommendation to the Chief Admissions Officer should be made based on
observations at the admissions interview, letters of recommendation from premedical advisors and
osteopathic physicians as well as any other contacts with the student.
Financial Need Scholarships
The Financial Aid Office awards Board of Trustees financial need scholarships and PCOM Foundation financial need
scholarships to students based on financial need, aggregate student loans borrowed, and funding available. The
annual award amount can be up to $5,000 per student.
Students must complete the FAFSA if they wish to be considered for PCOM’s financial need scholarships. Students
are REQUIRED to post their parent information on the FAFSA if they are age 26 and younger as of December 31,
18
prior to the year they enroll. If the student is age 27 or older as of January 1 of the year they enroll, parent
information is NOT required on the FAFSA to be considered for PCOM’s financial need scholarships.
Yellow Ribbon Grants
PCOM participates in the Veteran’s Administration (VA) Yellow Ribbon program. Students who are eligible to
receive VA benefits under the Post-9/11 GI bill may be considered to receive additional funds from PCOM under
this program. Eligible students should submit their certification of eligibility to the PCOM Office of the Registrar.
As there are a limited number of Yellow Ribbon scholarships, the awarding will be based on when the certification
of eligibility is received. A maximum of 10 awards will be made to graduate students, and a maximum of 10 awards
will be made to medical students. Tuition and fees paid under the Post-9/11 is capped at $17,500 or the
appropriately reduced amount based on the student’s eligibility percentage for the academic year.
For further information regarding Post-9/11 or other chapters, contact the Office of the Registrar.
Endowed Scholarships
The PCOM Scholarship Committee administers scholarships that are based on academic excellence or other criteria
specified by the donor. Students who meet the requirements are reviewed by the committee. In most cases no
additional application is required. If additional information is required, the student will be emailed the appropriate
supplemental application by the Financial Aid Office.
Students must complete the PCOM Scholarship Application as part of the Nucleus Financial Aid Checklist in order
to be considered for all PCOM endowed scholarship funds that have unique criteria. Recipients are selected in the
spring by the PCOM Scholarship Committee and the award is applied to tuition for the following school year.
Recipients are expected to write a note of appreciation to the donor, sponsor, or trustee. Recipients are
encouraged to make donations to the respective scholarship fund following graduation. This ensures the fund’s
growth to help future students.
PCOM Endowed Scholarships for DO Students
A LUMNI A SSOCIATION OF PCOM A LBERT D’A LONZO , DO ’56, M EMORIAL S TUDENT F UND
The Albert D’Alonzo, DO Memorial Student Fund is named in memory of the late Dr. D’Alonzo, Class of
1956, and beloved professor at Philadelphia College of Osteopathic Medicine.
The Alumni Association of Philadelphia College of Osteopathic Medicine supports a range of unique
student academic activities through individual grants awarded to students and student organizations.
Students at PCOM Philadelphia and Georgia may apply for grants ranging from $250 to $2,500 from this
fund. Requests must be made in writing by May 1 and October 1 of each year addressed to:
Albert D’Alonzo, DO Memorial Student Fund
The Alumni Association of PCOM
Alumni Relations and Development Office
Levin Administration Building
4180 City Avenue
Proposal letters must describe an academic project that is unique and educational. 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 May 31 of the student’s graduating year. No
proposals will be accepted for retroactive financial assistance. All decisions of the committee are final.
19
Requirements:
1.
2.
3.
A proposal letter outlining the academic project with a list of estimated expenses.
A current official PCOM transcript.
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.
A LUMNI A SSOCIATION OF PCOM I NTERNATIONAL F ELLOWSHIP
An international clinical rotation is offered to one fourth-year DO student from both the Philadelphia and
Georgia campuses. The applying student must have a site selected and have obtained written approval for
the clerkship from the Office of Clinical Education. A completed application and short essay is required
describing the goals of the rotation and your reasons for going. Student will apply for this fellowship
during their third-year and complete during their fourth-year.
A LUMNI A SSOCIATION OF PCOM S CHOLARSHIP
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 full-time
matriculated students who have completed one academic year and who place in the top 15% of their
class, participate in student government and/or extra-curricular activities, and demonstrate financial
need.
M ARTHA & M ICHAEL J. A VALLONE M EMORIAL S CHOLARSHIP
This scholarship was established by the late Michael F. Avallone, Sr., DO ‘59, in memory of his parents,
Martha and Michael J. Avallone. One or more 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, are residents of Pennsylvania, and demonstrate financial need. The maximum
scholarship awarded annually to any one recipient will not exceed $5,000. Philadelphia campus only.
D R . F REDERIC H. B ARTH S CHOLARSHIPS
This scholarship was established in memory of Dr. Barth who was President of Philadelphia College of
Osteopathic Medicine from June 1956 until 1974. He was appointed the first chancellor of 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 second-year DO student in the top fifth of the class. Any
additional income generated by the fund is distributed to financially needy DO students. Philadelphia
campus only.
B OARD OF T RUSTEES S CHOLARSHIP FOR S IBLING /S POUSE
The Board of Trustees of Philadelphia College of Osteopathic Medicine established this scholarship for
those students in the DO program who have a sibling or spouse currently enrolled in any of PCOM’s
programs. The amount of the scholarship is $1,000 for each sibling/spouse.
A ARON & J ULIA B RENNER S CHOLARSHIP
This grant is offered to medical students who would otherwise be unable to continue their education. The
grant was established in 1993 by Bernard Brenner and Marvin Comisky, Esq., co-trustees of a trust fund
established in 1978 under the will of Aaron Brenner.
D R . H. T REBING B URNARD AND M ARGARET E. B URNARD S CHOLARSHIP
This scholarship fund was established by a 2007 provision in the Will of Margaret E. Burnard, widow of H.
Trebing Burnard, DO ’38. The fund provides one or more scholarships for deserving DO students at the
Philadelphia campus. Dr. Burnard was a family physician in Great Neck, NY. He taught at the New York
20
College of Osteopathic Medicine and Mrs. Burnard credited PCOM for Dr. Burnard’s rewarding career and
providing them with a wonderful life together. Philadelphia campus only.
C LASS G IFT S CHOLARSHIP
This grant was created by comingling 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.
C LASS OF 1956 S TUDENT R ESEARCH T RAVEL A WARD
This award was established by the class of 1956 to encourage DO student participation in original clinical,
biomedical, or educational research. Funds will be used to support student travel to present their work.
Candidates will be selected upon recommendation of the faculty and the Chief Scientific Officer. The
amount of the award will be based on travel expenses incurred.
C LASS OF 1958 S CHOLARSHIP
Established by the class of 1958 in honor of their 50th reunion, scholarships are awarded to DO medical
students who demonstrate financial need.
Established by the class of 1960 in honor of their 50th reunion, scholarships are awarded to DO medical
students who demonstrate financial need.
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.
C LASS OF 2003 M EMORIAL A WARD
This award is presented once a year to a second-year medical student who demonstrates a strong interest
in pursuing a medical career in dermatology and/or internal medicine. Preference is given to students
involved in the Christian Medical Society. The award was created in memory of Matt Androbus and
Behrany Emami from the class of 2003 who passed away before graduating.
R ICHARD E. C OLARUSSO , DO, M EMORIAL S CHOLARSHIP
This scholarship is awarded annually in memory of Richard E. Colarusso, DO ‘66, who practiced family
medicine in Pittston, Pennsylvania. Candidates must be third- or fourth-year medical students from
Lackawanna or Luzerne County, Pennsylvania, and in good academic standing with demonstrated financial
need. The amount of the scholarship is dependent upon availability of funds. Philadelphia campus only.
M ARY F. T. C ONROY M EMORIAL S CHOLARSHIP
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 fourthyear, female osteopathic medical student who demonstrates financial need, and, in the judgment of the
PCOM Scholarship Committee, 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.
W ILLIAM F. D AIBER , DO, M EMORIAL S CHOLARSHIP
William F. Daiber, DO ‘28 had a lifelong involvement with Philadelphia College of Osteopathic Medicine
serving for many years as Professor and Chairman of the Department 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 in memory of Dr. Daiber and was
established 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.
21
DO S TUDENT S CHOLARSHIP
Coordinated by the Office of Alumni Relations & Development, DO alumni are contacted annually via a
telemarketing/mail campaign to contribute to this scholarship 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.
C LIFFORD G. D ORF M EMORIAL S CHOLARSHIP
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 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.
A RCHIE AND C ECILIA F EINSTEIN M EMORIAL S CHOLARSHIP
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 clerkship 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 served as its president. The scholarship is awarded on the basis
of financial need to a DO student in their second-, third-, or fourth-year at PCOM. Philadelphia campus
only.
L EONARD H. F INKELSTEIN , DO, S CHOLARSHIP
This scholarship was established with donations to The PCOM Mission by the late Richard M. Papa, DO
‘75, and Leonard H. Finkelstein, DO ‘59, PCOM's sixth president, along with family and friends. The
Leonard H. Finkelstein, DO, Scholarship is awarded to a fourth-year student with a demonstrated interest
in the field of urology, as shown by participation in urology conferences, urologic research, 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. Philadelphia campus only.
J ACK M. F IREMAN , DO ’70, S CHOLARSHIP
The Jack M. Fireman, DO ’70, Scholarship was established by Dr. Fireman 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.
T HE F IVE B ROTHERS M EMORIAL S CHOLARSHIP
The Five Brothers Memorial Scholarship was established by Harry Ginsburg, DO ’42, in memory of his five
brothers: Herman, Morris, Louis, Joseph, DO ’53, and Abraham, DO ’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. Philadelphia campus only.
T HE D R . A NGUS G ORDON C ATHIE S CHOLARSHIP F UND
This fund was established in memory of Angus Gordon Cathie, DO ‘31, professor and chairman of the
Department of Anatomy from 1944-1970, devoted physician, able teacher, and diligent investigator of
human anatomy, osteopathic principles and practice. The successful candidate must show academic
excellence and significant interest in anatomy and osteopathic manipulative medicine. Selection is made
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.
22
A DELE AND H ERBERT G ORIN S CHOLARSHIP
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 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 their class. Preference will be given to a student from the Philadelphia
area who is a member of the LGBT community. The amount of the scholarship is dependent upon
availability of funds. Philadelphia campus only.
G EORGE H. G UEST , DO ’36, S CHOLARSHIP
This grant was established in honor of George H. Guest, DO ’36, 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.
L EONARD P. H ARMAN , DO ’72, S TUDENT S CHOLARSHIP
This scholarship award was endowed by Leonard P. Harman, DO ’72, 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.
H ASSMAN F AMILY S CHOLARSHIP
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. Philadelphia campus only.
J. S YDNEY H OFFMAN M EMORIAL S CHOLARSHIP
This scholarship, established by family and friends of the Hon. J. Sydney Hoffman with donations to The
PCOM Mission, seeks to perpetuate Judge Hoffman’s memory by awards 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 Board of Trustees
in 1957 and was named its chairman in 1972. An award will be made to a second-year DO 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.
E RNEST A. J OHNSON , DO ’25, S CHOLARSHIP
This scholarship program was provided in the will of Anna C. Johnson, DO ’28, in memory of her husband,
Ernest A. Johnson, DO ’25. 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.
J OHN D. K EARNEY S CHOLARSHIP
The John D. Kearney Scholarship was established in memory of John “JD” Kearney, a second-year medical
student at PCOM who passed away in 1999 while trying to rescue a friend on a hiking trail in Sedona,
Arizona. JD's parents, John and Lois Kearney, 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 extra-curricular activities, irrespective of financial need. Special
preferences will be given to graduates of Wilkes University, Wilkes-Barre, Pennsylvania, where JD received
23
his undergraduate degree; however, the scholarship is not limited to such students. Final selection of the
student is made by the PCOM Scholarship Committee. Philadelphia campus only.
T HE D R . J OHN C. K ERMODE F UND
In memory of the late John C. Kermode, Ph.D., the Dr. John C Kermode Fund was established to
commemorate the respected professor in the School of Pharmacy at Georgia Campus - Philadelphia
College of Osteopathic Medicine. The best candidate must demonstrate well-rounded academic and
extra-curricular experiences as detailed in the application packet. Proposals for convention and seminar
attendance by students will be considered if the student plays an active role, for example – presentation
of a research poster or similar project. Awarded funds to students must be utilized by May 1 of the
student’s graduating year. GA-PCOM campus only.
R UTH AND I RVING K ORNBERG I NTERNAL M EDICINE M EMORIAL S CHOLARSHIP
Established by Bruce Kornberg, DO ’78, in honor of his parents. This scholarship is awarded each year to a
financially needy student who, in the judgment of the PCOM Scholarship Committee, shows the greatest
interest in pursuing a career in internal medicine. Preference will be given to a Jewish student, but if no
appropriate candidate of that faith applies for the scholarship, it may be given to a non-Jewish student
who fulfills the other criteria. Philadelphia campus only.
J OSEPH A. L A C AVERA , J R ., DO, M EMORIAL S CHOLARSHIP
This scholarship was established in 2000 in memory of Joseph A. LaCavera, Jr., DO ’44, 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 only.
A NTHONY G IRARD L EONE , DO ’57, M EMORIAL S CHOLARSHIP
This scholarship fund, in memory of Dr. Anthony Girard Leone, was endowed at PCOM by Dr. Leone’s
widow, Arlene Blanco Leone, in 2013.
Dr. Leone graduated from Philadelphia College of Osteopathy in June 1957. Following his internship in
1958, Dr. Leone opened his primary care office in his native South Philadelphia. Later, he practiced and
taught medical students and residents in the OMM Department at PCOM.
The scholarship is awarded to a fourth-year DO student enrolled at the Philadelphia campus who
demonstrates and plans wholeheartedly to incorporate Osteopathic Manipulative Treatment in a primary
care practice. The recipient, upon recommendations by faculty in the Family Medicine and OMM
departments, must be a citizen of the United States who demonstrates financial need and is in good
academic standing. The amount of the scholarship is dependent upon availability of funds. Philadelphia
campus only.
S ARA AND B ENJAMIN L INCOW P AIN M ANAGEMENT M EMORIAL F OUNDATION S CHOLARSHIP
This scholarship was established with donations to The PCOM Mission by Arnold S. Lincow, DO ’76 and his
family in memory of Dr. Lincow’s parents, Benjamin and Sara Lincow. The scholarship seeks to provide
financial assistance to third- and fourth-year medical students exhibiting a professional commitment in
the area of pain management in their planned endeavors.
The student must submit a short essay (no more than 3 double-spaced pages) on the following subject:
From your perspective, share your ideas and education on how the use of osteopathic
manipulation affects the body in the growing field of pain management in today’s osteopathic
environment.
24
Final selection will be based upon recommendations from the Lincow Scholarship committee. The amount
of the scholarship is dependent upon availability of funds. Awards have ranged from $1,000 to $3,500.
R EUBEN B. A ND E STELLE S. L OEB S CHOLARSHIP
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 Reuben Loeb, DO ‘52, was a much-loved family physician for nearly 50 years. His
wife, the late Estelle Loeb, DO ‘53, 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.
All scholarship awards are applied to loan obligations carried by the student. Final scholarship selections
are based upon recommendations by the faculty and staff at PCOM’s urban health care clinics.
J OSEPH M. M ARINO , DO ’62, A WARD IN P HYSICAL E XAMINATION AND D IAGNOSIS
This award is given to a rising third-year DO student who has proven exemplary in the field of physical
examination and diagnosis.
B ERNARD F. M ASTER , DO, S CHOLARSHIP
This scholarship was established as a donation to The PCOM Mission by Bernard F. Master, DO ‘66, 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, indicate 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.
M INORITY M EDICAL S TUDENT S CHOLARSHIP
This scholarship was established with contributions from PCOM alumni, trustees, employees, foundations,
and corporations, for financial assistance to the following under-represented minority groups: AfricanAmerican, Native American, Puerto Rican-Mainlander, and Mexican-American. Recipients are first year
under-represented minority students, with outstanding academic credentials who are citizens or
permanent residents of the United States. The amount of the scholarship is dependent upon availability
of funds.
N ICHOLAS S. N ICHOLAS , DO, M EMORIAL S CHOLARSHIP
This scholarship was established in memory of Nicholas S. Nicholas, DO, 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 Department 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. Preference is given to undergraduate OMM Fellows. The amount of the
scholarship is dependent upon the availability of funds. Philadelphia campus only.
O FFICE D EPOT S CHOLARSHIP
Office Depot, Inc. provides an annual contribution that is distributed to financially needy students
selected by the PCOM Scholarship Committee.
R EBECCA P ARK M EMORIAL A WARD
This award was established in memory of Rebecca Park, a student who tragically passed away during her
fourth year at PCOM. It is awarded to a student who most closely reflects the qualities that Rebecca
brought to the college.
25
P ARKVIEW S CHOLARSHIP
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 remaining 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, Montgomery, Chester, or 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.
P OLYPROBE S CHOLARSHIP
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 1,000 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 research experience and submit a separate bibliographical sketch
detailing education and work experiences. A letter of recommendation is optional.
This scholarship is available to all students in good academic standing. Final selection will be based upon
recommendations from the Polyprobe Scholarship committee. The amount of the scholarship is
dependent upon availability of funds. Philadelphia campus only.
J AY R OSAN , DO, P HILADELPHIA F UTURES S CHOLARSHIP
This scholarship was established with a donation to The PCOM Mission by Jay R. Rosan, DO ’71, 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 Futures graduates, then consideration for
scholarships will be given to inner city Philadelphia residents of African-American or Hispanic background.
A NNA AND I SIDORE R OSEMAN A WARDS
The Anna & Isidore Roseman Foundation was established to provide scholarships toward tuition, fees,
books, and living expenses of deserving medical students. Philadelphia campus only.
D R . T HOMAS M. R OWLAND , J R . M EMORIAL S CHOLARSHIP
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.
R UGBY S CHOLARSHIP
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
PCOM Scholarship 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.
D R . C ORINNE S ANTERIAN M EMORIAL S CHOLARSHIP IN P EDIATRICS
Corinne Santerian, DO ’87, passed away in April, 2001 at the age of 40. Her family established this
scholarship in her honor. The scholarship is given to a second-, third-, or fourth-year medical student who
has financial need and who has shown interest in a career in pediatrics. The Santerian Scholarship
recipient selection is made upon the recommendation of faculty. Philadelphia campus only.
26
A LICE S HEFLIN Z AL , DO ’89, AND H M ICHAEL Z AL , DO ’66, S CHOLARSHIP
This scholarship was established in 2009 by Alice Sheflin Zal, DO ‘89, and H Michael Zal, DO ’66, for a
PCOM female student aged 35 or older upon completion of her second-year of medical school. The
student must be in good academic standing and must be considering a career in primary care (family
medicine, geriatric medicine, or pediatric medicine). Philadelphia campus only.
T HE B ENJAMIN AND M ARY S IDDONS M EASEY F OUNDATION S CHOLARSHIP
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.
G INA M. S IMELARO M EMORIAL S CHOLARSHIP
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.
T HE D ANIEL J. S MITH , DO ’73, M EMORIAL S CHOLARSHIP
This scholarship was established in memory of Dr. Dan Smith by his wife Teresa Doyle Smith in 2011. The
Daniel J. Smith, DO ’73, Memorial Scholarship is to be awarded to a second, third, or fourth year DO
student who is a citizen of the United States and who demonstrates financial need. Preference is given to
a Philadelphia campus student who resides in and/or who graduated from a college in one of the New
England states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, or Vermont. The
amount of scholarship is dependent upon availability of funds and the Board of Trustees endowment
spending policy. Upon graduation, recipients are requested to make donations to the Dr. Dan Smith
Scholarship Fund so future students may benefit. Philadelphia campus only.
L OUISA B. S MITH , DO ’72, M EMORIAL S CHOLARSHIP
Louisa B. Smith, DO ’72, 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 amount of the scholarship shall not
exceed $2,500. Philadelphia campus only.
M ICHAEL P. S ZUTOWICZ , DO ’72, M EMORIAL S CHOLARSHIP
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. Selection will be
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.
T HE L AMBDA O MICRON G AMMA S CHOLARSHIP
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. The Caduceus Chapter of LOG was established at
PCOM by Jewish DO students who were 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, gender, or religion. Scholarship recipient selection is based on leadership
qualities within the PCOM community as well as interest in and involvement with the external
community. The recipient may not necessarily represent 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 PCOM
Scholarship Committee.
27
M R . AND M RS . M ORRIS M. W AGMAN S TUDENT A ID F UND
This grant was established in 1978 by Sheldon P. Wagman, DO ‘67, to honor his parents, Mr. and Mrs.
Morris M. Wagman, while assisting medical students. Philadelphia campus only.
R OBERT W OOD J OHNSON S CHOLARSHIP
This grant was endowed by the Robert Wood Johnson Foundation to help fund the education of deserving
PCOM medical students.
J ESSIE Y OUNG M EMORIAL S CHOLARSHIP
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.
L EWIS M. Y UNGINGER , DO, M EMORIAL S CHOLARSHIP
This scholarship was established in memory of Lewis M. Yunginger, DO ’35, with a donation to The PCOM
Mission by his widow, Ethel E. Yunginger. The scholarship is endowed with additional gifts from Dr.
Yunginger’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.
PCOM Endowed Scholarships for Forensic Medicine Students
L AW E NFORCEMENT F ORENSIC M EDICINE S CHOLARSHIP
This one time award of $2,000 is made to Forensic Medicine students who are sworn in as an officer in a
police department. A student’s status as a sworn in police officer may be documented by a copy of their
badge or a letter from their police department’s human resources office.
PCOM Endowed Scholarships for Physician Assistant Students
S ARA S OMERS R UPERT RN C LASS OF 1933 S CHOLARSHIP
Established by Sara Somers Rupert, RN '33 with a donation to the PCOM Mission capital campaign.
Candidate(s) 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 will be considered. Final selection is made in the spring and
based upon the recommendation of the Physician Assistant Department faculty.
PCOM Endowed Scholarships for Clinical Psychology Students
MS TO PSYD S CHOLARSHIP
This one time award of $1,000 is made to all students who matriculate into PCOM’s Doctor of Clinical
Psychology Program after having completed a Master’s degree at PCOM.
PCOM Endowed Scholarships for All Students
J OANNE P IERINGER , P H D, M EMORIAL S CHOLARSHIP
This scholarship is awarded each year to honor Dr. Pieringer, an outstanding PCOM educator, researcher,
and community advocate. This scholarship is awarded to a student who demonstrates a strong interest in
scientific research and who exemplifies Dr. Pieringer’s traits: intellectual curiosity and concern for others
within and beyond the PCOM community. 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.
28
External Scholarship Programs
The PCOM Financial Aid Office is periodically notified of external agency scholarships. By completing the PCOM
Scholarship Application on Nucleus, we will specifically notify you of certain external agency scholarships that you
may apply for.
There are also numerous external scholarship resources available through many organizations, non-profit entities,
and state offices. We try to list as many relevant resources as possible in this handbook, but feel free to conduct
your own research online.
Scholarship Search Websites
Fastweb.com
http://www.fastweb.com/
Scholarships.com
https://www.scholarships.com/
Schoolsoup.com
http://www.schoolsoup.com/scholarship-directory/
Public Health Scholarships
http://www.publichealthonline.org/scholarships-and-grants/
Psychology Scholarships
http://www.psychologydegreeonline.net/Scholarships/
External Scholarship Programs for DO Students
A LABAMA O STEOPATHIC M EDICAL A SSOCIATION (ALOMA)
The ALOMA currently awards three $5,000 scholarships annually. The 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 be in good
standing with an AOA-accredited medical school.
www.aloma.org
A MERICAN M EDICAL W OMEN ’ S A SSOCIATION (AMWA)
American Medical Women’s Association (AMWA) membership is comprised of physicians, residents,
medical students, and health care professionals. AMWA is the only multispecialty organization dedicated
to advancing women in medicine and improving women’s health. Some of their medical education
scholarships & grants are listed below:
Medical Student Kaplan Scholarships
AMWA will be awarding two scholarships—each valued up to $1,000—that can be used towards Kaplan
Test Prep for the USMLE or COMLEX exams. Awardees must be national AMWA members and will be
chosen based on embodiment of the goals of AMWA. Financial need, though not a requirement, is also
considered.
Medical Education Scholarships
The AMWA awards four $1,000 scholarships to women currently enrolled in medical school. Awardees
will be chosen based on the embodiment of the goals of AMWA. Financial need, though not a
requirement, is also considered.
Anne C. Carter Leadership Award
AMWA honors the memory of Anne C. Carter, MD, with an annual award for outstanding student
leadership. The recipient will receive $1,000, and the nominating chapter, if applicable, will receive $500.
The annual nomination deadline is November 28.
http://www.amwa-doc.org/students/awards
29
A MERICAN O STEOPATHIC F OUNDATION (AOF)
The American Osteopathic Foundation (AOF) is the charitable chapter of the American Osteopathic
Association (AOA) and offers the following grants, scholarships and awards:
AOA Presidential Memorial Leadership Award
The AOA Presidential Memorial Leadership Award honors and recognizes an osteopathic medical student
who is committed to the principles of osteopathic medicine and who has made great strides toward
becoming one of the top student leaders. This individual has been instrumental in motivating people and
takes conscious, well calculated steps to develop themselves and their followers. The recipient of this
$5,000 award will be a current member of the Student Osteopathic Medical Association who has
successfully completed his/her first-year of studies in an osteopathic medical school prior to the fall of
2014.
Burnett Osteopathic Student Researcher Award
The Burnett Osteopathic Student Researcher Award recognizes an osteopathic medical student for his or
her true dedication to osteopathic-oriented research. The recipient of this $2,000 award will be an
osteopathic medical student who has developed a concept paper or performed osteopathic-oriented
research while enrolled in an AOA accredited college of osteopathic medicine.
McCaughan Heritage Scholarship
The AOF's McCaughan Heritage Scholarship honors and recognizes an osteopathic medical student who is
committed to the science, art and philosophy of osteopathic medicine early in their career, emphasizing
the integration of osteopathic principles, practice, and treatment in patient care. The recipient of this
$5,000 scholarship will be an osteopathic medical student who is in good academic standing and is in
his/her last-year of studies at an AOA accredited college of osteopathic medicine during the fall of 2014.
Nichols LEAD Scholar Award
The purpose of this award is to recognize, honor, and encourage osteopathic medical students who show
promise and exhibit the foundational leadership skills that will serve them and their communities now
and in the future. Effective leaders start as student leaders and as they continue to learn and grow, they
too will make a difference and pay it forward. The recipient of this $1,000 award will be an outstanding
osteopathic medical student leader who has completed his/her second-year of studies prior to the fall of
2014 and will still be enrolled as an osteopathic medical student during the fall of 2014.
Welch Scholars Grant
The Welch Scholars Grant provides monetary support to help defray costs during a student’s osteopathic
medical education. Recipients are chosen because of their outstanding academic achievement,
participation in extracurricular activities, strong commitment toward osteopathic medicine and financial
need. One student from each college of osteopathic medicine (COM) and branch campus is eligible to
receive a $2,000 grant. This grant is open to osteopathic medical students who have successfully
completed their first-year of studies prior to the fall of 2014, and will still be enrolled as an osteopathic
medical student during the fall of 2014. All applicants must be in good academic standing at an AOA
accredited COM. The Director of Financial Aid at each COM shall submit the name of the candidate who
best meets the above eligibility criteria and has a desire to continue in osteopathic medicine. Each COM
will forward the completed application packet of the recipient to the AOF for review by the AOF's
Committee on Grants and Awards.
William G. Anderson, DO, Minority Scholarship
The William G. Anderson, DO, Minority Scholarship recognizes an outstanding minority osteopathic
medical student who is committed to osteopathic principals and practice, has excelled academically, and
has proven to be a leader in addressing the educational, societal, and health needs of minorities. The
recipient of this $5,000 scholarship will be an osteopathic medical student who has successfully
completed his/her first-year of studies prior to the fall of 2014.
https://aof.org/grants-awards/students
30
S HERRY R. A RNSTEIN M INORITY S TUDENT S CHOLARSHIP
This award, named after former AACOM Executive Director Sherry R. Arnstein, recognizes two
underrepresented minority students at AACOM’s member colleges of osteopathic medicine (one newly
accepted student and one continuing student). To be eligible, an applicant must be an underrepresented
minority (African-American; Native American, including American Indians, 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.
www.aacom.org
B ALTIMORE C ITY M EDICAL S OCIETY F OUNDATION , I NC .
The Baltimore City Medical Society Foundation provides scholarships to medical students who are
entering their second, third, and fourth year and who are permanent residents of Baltimore 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 Baltimore city following completion
of their training.
www.bcmsdocs.org
G EORGE B ENES , MD S CHOLARSHIP
One year scholarships available to gay or lesbian students enrolled in medical school. Awards are
approximately $4,000.
www.philafound.org
C AMBRIA C OUNTY M EDICAL S OCIETY S CHOLARSHIPS
J.B. Lowman 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.
The Apollo Scholarship
The Apollo Scholarship is a grant awarded yearly to worthy medical students who agree to come to the
Cambria-Somerset region to live and practice medicine.
www.ccmsociety.org
C LARKE , A FF , L EAGUE S CHOLARSHIP F UND
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, herself. This annual scholarship program is administered by the
Mellon Bank Center who is the designated trustee of the fund. The amount of the scholarship is
dependent upon availability of funds. Applications and additional information are available in the
Financial Aid Office in September. Philadelphia campus only.
R EUBEN J. C OHEN , MD AND D OROTHY S. C OHEN M EDICAL S CHOLARSHIP T RUST F UND
This scholarship was funded under the will of Dorothy Cohen, formerly of the city of Ventnor in Atlantic
County, New Jersey. The fund is also named in memory of Dorothy Cohen’s late husband, Dr. Reuben
Cohen. The scholarship is to be used to cover the cost of tuition, and awarded to worthy Jewish male and
female students who have financial need, and have been admitted to a fully accredited medical school in
31
st
Philadelphia, Pennsylvania. Applications are available at the PCOM Financial Aid Office after January 1 .
C OMMUNITY F OUNDATION FOR G REATER B UFFALO
The Community Foundation for Greater Buffalo offers a scholarship program for students who are current
residents of one of the eight counties of Western New York and who have been admitted to study
medicine a nonprofit [501(c)(3)], U.S. Department of Education accredited school in the United States.
Awards are based on financial need, the award amount to be determined by the Foundation’s Board of
Directors.
www.cfgb.org
T HE C OMMUNITY F OUNDATION OF W ESTERN M ASSACHUSETTS
The Community Foundation of Western Massachusetts administers, through one centralized application
process, over 100 scholarship and loan funds. Some of the funds help students from a particular school or
area; others provide financial assistance to those pursuing a specific field of study; still others assist
students that are most in need. Awards are made primarily to residents of Western Massachusetts except
as noted in the fund descriptions.
www.communityfoundation.org
D ELAWARE S CHOLARSHIP I NCENTIVE P ROGRAM
The Scholarship Incentive Program (SCIP) replaces the Delaware Postsecondary Scholarship Fund as the
state’s need-based grant. The program awards state grants to Delaware residents based on demonstrated
need. Applicant must be a legal resident of Delaware, U.S., a citizen or eligible non-citizen, 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.
www.doe.k12.de.us/Page/996
DIMER S CHOLARSHIP P ROGRAM
The Delaware Institute of Medical Education and Research (DIMER) Board of Directors offers a $1,000
grant to first-, second-, third- and fourth-year medical students who are residents of the state of
Delaware. In addition, medical students demonstrate financial need in accordance with PCOM guidelines
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 are fully paid by another scholarship
program are not eligible for DIMER funding. Further information may be obtained from the PCOM
Financial Aid Office.
www.dhss.delaware.gov/dhss/dhcc/dimer.html
T HE B ETTY F ORD S UMMER I NSTITUTE FOR M EDICAL S TUDENTS (SIMS)
The Summer Institute for Medical Students (SIMS) Program provides a funded scholarship including flight,
accommodations, and meals in sunny Southern California. Medical students receive an in-depth
experience of the dynamics of the disease of addiction. During the week-long sessions, students spend
time as participant observers with patients or family members.
www.bettyfordcenter.org
32
T HE F OUNDATION OF THE P ENNSYLVANIA M EDICAL S OCIETY
The Foundation of the Pennsylvania Medical Society offers a loan program for medical students who are
Pennsylvania residents and demonstrate financial need. Applications are available in the Financial Aid
Office in March.
Allegheny County Medical Society (ACMS) Medical Student Scholarship
The Foundation of the Pennsylvania Medical Society administers the ACMS Medical Student Scholarship
for third- or fourth-year medical students who are residents of Allegheny, Armstrong, Beaver, Butler,
Washington, and Westmoreland counties. This scholarship is made possible by contributions from the
ACMS Foundation which established the fund within the Foundation to assist local students with the cost
of attending a Pennsylvania medical school. Two qualified medical students will each be awarded a $2,000
scholarship.
Alliance Medical Education Scholarship Fund (AMES)
The Pennsylvania Medical Society Alliance is an organization of physician spouses and is part of a
federation of county medical alliances throughout Pennsylvania. To financially assist deserving medical
students enrolled in a Pennsylvania medical school, the Pennsylvania Medical Society Alliance established
the Alliance Medical Education Scholarship (AMES) Fund. This fund, established in April 2000, is supported
by alliance fundraising events and general and memorial contributions. Applicants must be current
second- or third-year medical students who are Pennsylvania residents enrolled full-time in a
Pennsylvania medical school. Multiple scholarships will be awarded in the amount of $2,500 each.
Endowment for South Asian Students of Indian Descent
Drs. Jitendra M. and Saryu J. Desai established the endowment for South Asian Students of Indian descent
(ESASID) scholarship in 2002. One scholarship will be available for a South Asian Indian student enrolled
full time in his/her second-, third-, or fourth-year at an accredited Pennsylvania medical school. Applicants
must be residents of Pennsylvania.
Lehigh County Auxiliary’s Scholarship and Education (LeCoMASE) Fund Scholarship
The Foundation of the Pennsylvania Medical Society administers the LeCoMASE Fund Scholarship for
medical students who are residents of Lehigh County. This scholarship is made possible by contributions
from the Lehigh County Medical Auxiliary’s Scholarship and Education (LeCoMASE) Fund.
Lycoming County Medical Society (LCMS) Scholarship
The Foundation of the Pennsylvania Medical Society administers the Lycoming County Medical Society
(LCMS) Scholarship for medical students who are residents of Lycoming County. This scholarship is made
possible by contributions from Lycoming County physicians. The county’s medical society established the
scholarship within the Foundation.
Montgomery County Medical Society (MCMS) Scholarship
The Foundation of the Pennsylvania Medical Society administers this scholarship for medical students
who are residents of Montgomery County. This scholarship is made possible by contributions from the
Montgomery County Medical Society and physicians. Multiple $2,500 scholarships will be awarded to
qualified medical students.
The Myrtle Siegfried, MD and Michael Vigilante, MD Scholarship
The Myrtle Siegfried, MD, and Michael Vigilante, MD Scholarship is awarded to a qualified first year
medical student residing in Berks, Lehigh, or Northampton County. Applicants must be enrolled full-time
in an accredited United States medical school. A $1,000 scholarship will be awarded to a qualified medical
student.
http://www.foundationpamedsoc.org/sfs/scholarships.aspx
33
T HE W ILLIAM G OLDMAN F OUNDATION S CHOLARSHIP
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 their
undergraduate school class, demonstrate great financial need, and be a resident of the metropolitan
Philadelphia area. Applications are available in the Financial Aid Office in January.
The William Goldman Foundation Scholarship Committee
42 South 15th Street, Suite 1116
215-568-0411
F RANK AND L OUISE G ROFF F OUNDATION
Students who graduated from a public high school in Monmouth County, New Jersey, and are studying for
their MD degree, should apply for this scholarship. Applications are available upon request after
January 1. Contact:
Frank and Louise Groff Scholarship
Susan Rechel, Educational Advisor
15 Whitehall Road
Monroe, New Jersey 08831
[email protected]
609-238-9318
G UNDAKER F OUNDATION , I NC .
The Gundaker Foundation offers a one-year Graduate Grant award to candidates who plan to pursue fulltime graduate studies. Applicant must be a permanent resident of rotary district 7450, and win approval
and be sponsored by the district 7450 rotary club located closest to the student’s permanent residence.
Rotarians and their immediate family members are excluded from the competition.
www.rotary7450.org
R AYMOND J. H ARRIS T RUST F UND
Raymond J. Harris has left the income of this trust for Christian young men who desire to obtain a
professional education in medicine, law, engineering, dentistry, or architecture. This annual scholarship
program is administered by the Mellon Bank Center who is the designated trustee of the fund. Recipients
are expected to repay voluntary contributions to the fund after graduation, thereby increasing the fund.
The amount of the scholarship is dependent upon availability of funds. Applications and additional
information are available in the Financial Aid Office in September. Philadelphia campus only.
E DITH F. H ERRIN T RUST F UND
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. The amount of the scholarship is dependent upon availability of funds.
Applications and additional information are available in the Financial Aid Office in September.
I NTERNATIONAL O RDER OF THE K ING ’ S D AUGHTERS AND S ONS H EALTH C AREERS S CHOLARSHIPS
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.
www.iokds.org
34
J APANESE A MERICAN C ITIZENS L EAGUE (JACL)
Each year the Japanese American Citizens League (JACL) offers over 30 scholarships to graduate and
undergraduate students nationwide. Applicants must be members of the JACL to qualify for an award.
Students do not have to be of Japanese descent to qualify.
www.jacl.org
J EWISH V OCATIONAL S CHOLARSHIP (JVS) F UND
The JVS Scholarship fund is a need-based program that provides scholarships for college, graduate school,
and vocational school to Jewish students who are permanent residents of Los Angeles.
www.jvsla.org
D R . H. W ILLIAM K NAB M EDICAL S CHOLARSHIP
Dr. Knab was a primary care physician in the valley for over 40 years. Scholarships are made in his
memory to third- or fourth-year medical students who are residents of Allegheny, Armstrong, Butler, or
Westmoreland counties. A letter must be submitted to request the scholarship explaining why the
applicant should be awarded the grant. Send letters to:
Knab Medical Scholarship Grant Colonial Clinic, P.C.
P.O. Box 256
706 Ekastown Road
Sarver, PA 16055
K ENNETH AND B ESSIE L ADEAU T RUST F UND
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. Contact:
L. Raymond Massucco, Trustee
Kenneth & Bessie Ladeau Trust
Kissell & Massucco
90 Westminister Street
Bellows Falls, Vermont 05101
800-726-3203
L ANCASTER M EDICAL S OCIETY F OUNDATION S CHOLARSHIP
The Lancaster City and County Medical Society offers a scholarship for first year medical and osteopathic
students. One student per year is chosen and this continues for four years of study. The student must be a
resident of Lancaster County, Pennsylvania. The award is based on merit and need. Contact:
Lancaster City and County Medical Society
137 E. Walnut Street
Lancaster, PA 17602
717-393-9588
35
H OWARD G. L APSLEY M EMORIAL S CHOLARSHIP
A resident of Plainfield, New Jersey, Howard G. Lapsley was dedicated to improving the quality of life for
all mankind. He is most noted for inventing multiple oxygenating devices for the fast care of mass disaster
victims. As a memorial to her brother, Josephine Lapsley provided for the establishment of the Howard G.
Lapsley Memorial Scholarship. Eligible candidates must be permanent residents in one of the following
New Jersey counties: Union, Somerset, or Middlesex. Candidates shall be eligible for degree in medicine
from any accredited medical or osteopathic school. Matriculated students in the first through last year
may apply. Candidates shall demonstrate financial need.
www.jfkmc.org
L EBANON C OUNTY M EDICAL S OCIETY
Lebanon County Medical Society offers Health Careers Scholarships to residents of Lebanon County.
Applicants must be accepted into specific health schools such as a school of nursing, medicine, medical
technology, radiology, physical therapy, occupational therapy, or other allied health sciences involved
with patient care. Contact:
Medical Careers Scholarship
1524 Elm Street
Lebanon, PA 17042
717-270-7500
M EDICAL S OCIETIES OF THE C OUNTIES OF C HENANGO AND O SNEGO , NY
The Medical Societies of the Counties of Chenango and Osnego make Lee C. Van Wagner Scholarship Loan
Fund awards to applicants who are legal residents of Chenango or Osnego counties, State of New York.
Recipients must agree to practice in the county of Chenango or Osnego for one year, or to pay back any
monies received (plus interest) within 5 years of completing a qualified residency or fellowship program.
Loan amounts fluctuate depending upon the number of applications received and the amount in the
Scholarship Loan Fund. For further information, contact the following:
Kathleen E. Dyman, Executive Vice President
Medical Society of the County of Chenango
4311 Middle Settlement Road
New Hartford, NY 13413-5317
[email protected]
315-735-2204
E LSIE B. M OORE S CHOLARSHIP
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 current year, be of good moral character and citizenship,
and be worthy of financial assistance. Contact:
Robbie Testa, Senior Trust Administration Assistant
PNC Wealth Management, Trust Officer
222/18 Delaware Avenue
Wilmington, DE 19801
[email protected]
302-429-1186
36
N ATIONAL M EDICAL F ELLOWSHIPS , I NC .
National Medical Fellowships offers need base scholarships to first and second year medical students.
Preference is given to racial and ethnic minorities that are underrepresented in the medical profession
relative to their numbers in the general population with specific attention to: African Americans, Latinos,
Native Americans, and Asian Americans. Scholarships are awarded on the basis of financial need.
www.nmfonline.org
N EW J ERSEY O STEOPATHIC E DUCATION F OUNDATION (NJOEF)
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.
www.njosteo.com
N ORTHWEST O STEOPATHIC M EDICAL F OUNDATION
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, worked, and attended institutions of higher
education in the Pacific Northwest. Applicants must be entering their second-, third-, or fourth-year of
medical school.
www.nwosteo.org
O VERSEAS A SSISTANCE G RANTS
The American Women’s Hospitals Service (AWHS) provides small grants, up to $1,500, for assistance with
transportation costs (airfare, train fare, etc.) connected with pursuing medical studies in an off-campus
setting where the medically neglected will benefit.
www.amwa-doc.org
P ENNSYLVANIA O STEOPATHIC M EDICAL A SSOCIATION E DUCATIONAL F OUNDATION (POMA)
The Pennsylvania Osteopathic Medical Association Educational Foundation (POMA) sponsors the
following scholarship programs for Pennsylvania residents:
The General Scholarship Fund
Scholarships are available to Pennsylvania residents (prior to entering an AOA approved College of
Osteopathic Medicine) who will be entering their third-or fourth-year of schooling for osteopathic
medicine in the United States.
The District VIII Scholarship Fund
Scholarships are available to Pennsylvania residents (prior to entering an approved AOA College of
Osteopathic Medicine) of District VIII of the POMA who will be entering their third- or fourth-year of any
college of osteopathic medicine. District VIII counties are: Allegheny, Armstrong, Beaver, Bedford, Blair,
Cambria, Fayette, Greene, Indiana, Somerset, Washington, and Westmoreland. Priority will be given to
students who have scheduled a rotation with an osteopathic physician(s) in District VIII.
Alfred A. Grilli Scholarship Fund
The scholarship is available to Western Pennsylvania residents (prior to entering an AOA approved College
of Osteopathic Medicine) who will be entering the last year of any college of osteopathic medicine in the
United States. Applicants must be a resident of one of the following PA counties: Allegheny, Armstrong,
Beaver, Bedford, Blair, Butler, Cambria, Clarion, Clearfield, Crawford, Elk, Erie, Fayette, Forest, Greene,
Indiana, Jefferson, Lawrence, McKean, Mercer, Somerset, Venango, Warren, Washington, or
Westmoreland.
37
Applications for the above POMA Scholarships will be emailed to PCOM DO students by the PCOM
Financial Aid Office in January. Application materials should be returned to the PCOM Financial Aid Office.
Scholarship awards are granted once per year, usually in September.
www.poma.org
P ISACANO S CHOLARS L EADERSHIP P ROGRAM
The Pisacano Scholars Leadership Program offers career development opportunities and scholarship
funding to the future leaders of family practice. Awards are granted each year to upcoming fourth-year
medical students. Students must demonstrate leadership skills, superior academics, strong
communication skills, identifiable character and integrity, and a noteworthy level of community service.
The scholarship funding is designed to reimburse a portion of medical school debt incurred by the student
by the conclusion of the Scholar’s residency in family medicine. A portion of the funds will be distributed
to the student during their fourth-year of medical school, and the remaining funds will be distributed over
the required three-year residency.
www.pisacano.org
D R . F REDERICK A. P RESCOTT M EDICAL S CHOLARSHIP F UND
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. Contact:
Mrs. Joan R. Macdonald, Administrator
Medical Scholarship Fund
17 Koch Drive
McKeesport, PA 15135
412-751-5477
J OANNA F. R EED M EDICAL S CHOLARSHIP
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. Contact:
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
S TUDENT O STEOPATHIC M EDICAL A SSOCIATION (SOMA)
The Student Osteopathic Medical association offers a number of scholarships to SOMA members.
www.studentdo.com
T YLENOL S CHOLARSHIP P ROGRAM
The Tylenol Scholarship program helps students getting a healthcare-related education manage the rising
costs of education. Applicants must demonstrate a balance of academic excellence, leadership, and
community involvement, and have dedicated their careers to caring for other people.
http://www.tylenol.com/news/subptyschol
38
M ARIAN J. W ETTRICK C HARITABLE F OUNDATION
The Marian J. Wettrick Charitable Foundation provides 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). Applications are
available at PCOM’s Financial Aid Office in January.
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
J OSEPH A. W ILLIAMS M EDICAL S CHOLARSHIP
The Joseph A. Williams Medical Scholarship was established by the Elk County Community Foundation in
memory of Joseph A. Williams (1876-1979). Mr. Williams held numerous business and civic leadership
positions in St. Mary’s, PA. This scholarship will be awarded to a graduate of St. Mary’s Area High School
or Elk County Catholic High School, St. Mary’s, PA. The applicant must be accepted or enrolled at an
accredited medical school. The application must be completed and returned to the Elk County Community
Foundation office no later than April 1. This grant is intended to be used for payment toward tuition, fees,
and/or books for the applicable semester. For more information contact:
Elk County Community Foundation
P.O. Box 934
St. Mary’s, PA 15857
814-834-2125
[email protected]
www.elkcountyfoundation.com
W ORCESTER D ISTRICT (MA) M EDICAL S OCIETY
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.
www.wdms.org
M ARGARET Y ARDLEY F ELLOWSHIP (NJ)
This fund was established in 1930 to provide fellowship grants to deserving women who are New Jersey
residents pursuing post-graduate advanced studies at the school of their choice. Considerations used
when judging applicants’ qualifications include scholastic achievement, career service potential, and
charitable endeavors. The grant is applied solely to tuition expenses.
www.njsfwc.org
39
External Scholarship Programs for Graduate Students
T HE W ILLIAM G OLDMAN F OUNDATION S CHOLARSHIP
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 their
undergraduate school class, demonstrate great financial need, and be a resident of the metropolitan
Philadelphia area. Applications are available in the Financial Aid Office in January.
The William Goldman Foundation Scholarship Committee
42 South 15th Street, Suite 1116
215-568-0411
G UNDAKER F OUNDATION , I NC . (PA)
The Gundaker Foundation offers a one-year Graduate Grant award to candidates who plan to pursue fulltime graduate studies. Applicant must be a permanent resident of rotary district 7450, and win approval
and be sponsored by the district 7450 rotary club located closest to the student’s permanent residence.
Rotarians and their immediate family members are excluded from the competition.
www.rotary7450.org
H ELLENIC M EDICAL S OCIETY OF P HILADELPHIA M EDICAL S TUDENT S CHOLARSHIP P ROGRAM
Students of Hellenic descent and matriculated at medical are encouraged to apply. Candidates must be
enrolled full-time and in good academic standing in a professional health field at an accredited institution.
Candidates must show academic merit, financial need, and proof of Hellenic heritage. Deadline for
submissions is October 31 with scholarship recipients to receive awards at the Hellenic Medical Societies
Fall General Assembly in November.
www.hmsphl.com
J APANESE A MERICAN C ITIZENS L EAGUE (JACL)
Each year the Japanese American Citizens League (JACL) offers over 30 scholarships to graduate and
undergraduate students nationwide. Applicants must be members of the JACL to qualify for an award.
Students do not have to be of Japanese descent to qualify.
www.jacl.org
J EWISH V OCATIONAL S CHOLARSHIP (JVS) F UND
The JVS Scholarship fund is a need-based program that provides scholarships for college, graduate school,
and vocational school to Jewish students who are permanent residents of Los Angeles.
www.jvsla.org
T HE L EOPOLD S CHEPP F OUNDATION
The Foundation grants approximately 200 individual awards each year to both full time undergraduate
students enrolled in four year bachelor programs and to full time graduate students. Primary
consideration for awards include: character, academic ability, and financial need. Eligible scholars are
expected to apply for financial aid from all possible sources including federal, state, college and university
funding.
www.scheppfoundation.org
40
T YLENOL S CHOLARSHIP P ROGRAM
The Tylenol Scholarship program helps students getting a healthcare-related education manage the rising
costs of education. Applicants must demonstrate a balance of academic excellence, leadership, and
community involvement, and have dedicated their careers to caring for other people.
www.tylenol.com/news/subptyschol
M ARGARET Y ARDLEY F ELLOWSHIP (NJ)
This fund was established in 1930 to provide fellowship grants to deserving women who are New Jersey
residents pursuing post-graduate advanced studies at the school of their choice. Considerations used
when judging applicants’ qualifications include scholastic achievement, career service potential, and
charitable endeavors. The grant is applied solely to tuition expenses.
www.njsfwc.org
External Loan Programs
External Loan Programs for DO Students
B ERKSHIRE D ISTRICT M EDICAL S OCIETY (MA)
The Berkshire District Medical Society provides a scholarship loan for medical students who are 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. Contact:
Berkshire District Medical Society
Susan Poulin, Project Specialist
741 North Street, Pittsfield, MA
[email protected]
413-447-2417
M OTYKA D ANNIN O STEOPATHIC E DUCATIONAL F OUNDATION (IN)
The advocates to Indiana Association of Osteopathic Physicians and Surgeons 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.
www.inosteo.org
I NTERNATIONAL C OLLEGE OF S URGEONS D R . M AX T HOREK S TUDENT L OAN F UND
The International College of Surgeons offers the Max Thorek Student Loan Fund, which is a revolving loan
program available to medical students and surgical residents in training in amounts of up to $10,000 per
recipient.
www.ficsonline.org
O HIO O STEOPATHIC F OUNDATION
The Ohio Osteopathic Foundation offers a Student Tuition Loan Program for students who are residents of
the state of Ohio and enrolled in an accredited osteopathic medical college. Applicants must have
financial need and maintain a passing grade point average.
www.ooanet.org
41
T HE P HYSICIANS FOR R URAL A REAS A SSISTANCE P ROGRAM (GA)
The Physicians for Rural Areas Assistance Program pays medical education student loan debt for
physicians who agree to practice medicine full time in a rural community in Georgia. The program
provides up to $25,000 a year in student loan repayment in return for a 12-month commitment to
practice in a rural community. Recipients may receive a maximum of four loans and a maximum total
student loan repayment of $100,000.
www.gbpw.georgia.gov
S TUDENTS TO S ERVICE L OAN R EPAYMENT P ROGRAM
The Students to Service Loan Repayment Program (S2S LRP) provides loan repayment assistance to
medical students (MD and DO) in their last year of school, in return for a commitment to provide primary
health care services in eligible Health Professional Shortage Areas (HPSAs) of greatest need.
www.hrsa.gov
W ASHINGTON O STEOPATHIC F OUNDATION
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 osteopathic medical
college. Applicants must agree to practice for three years in the state of Washington, commencing within
30 days of completion of internship and/or residency.
www.woma.org
External Loan Programs for DO, Physician Assistant, Pharmacy, and Clinical
Psychology Students
I NDIAN H EALTH S ERVICES (IHS) L OAN R EPAYMENT P ROGRAM
The mission of the Indian Health Service is to raise the physical, mental, social and spiritual health of
American Indians and Alaska Natives to the highest level. The IHS LRP was created to support this mission
by providing health professionals the financial freedom to fulfill career goals. The IHS LRP awards up to
$20,000 per year for the repayment of qualified student loans in exchange for an initial two-year service
obligation to practice full time at an Indian health program site.
www.ihs.gov
N ATIONAL H EALTH S ERVICE C ORPS L OAN R EPAYMENT P ROGRAM
The goal of the National Health Service Corps (NHSC) is to expand access to health care services and
improve the health of people who live in urban and rural areas where health care is scarce. The NHSC
Loan Repayment Program recruits fully-trained primary health care professionals to underserved
populations located in selected Health Professional Shortage Areas (HPSAs). In return for service, the
program assists clinicians in their repayment of up to $60,000 in outstanding qualifying educational loans.
www.nhsc.hrsa.gov
S TATE L OAN R EPAYMENT P ROGRAMS (SLRP)
The State Loan Repayment Program (SLRP) is a federally-funded grant program to states and territories
that provides cost-sharing grants to assist them in operating their own state educational loan repayment
programs for primary care providers working in Health Professional Shortage Areas (HPSAs) within their
state.
The State Loan Repayment Program (SLRP) does not provide loan repayment directly to individual health
professionals, and not all states offer SLRP. State loan repayment programs vary from state to state, and
may differ in eligible disciplines, practice sites, length of required service commitment and the amount of
loan repayment awards offered.
42
Providers interested in obtaining information about their state’s educational loan repayment program
must contact their individual state loan repayment program point of contact for information about
eligibility and requirements.
www.hrsa.gov
External Loan Programs for All Students
C ENTRAL S CHOLARSHIP B UREAU (MA)
The Central Scholarship Bureau (CSB) is a non-profit, 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, Baltimore County, Anne Arundel County, Carroll County, Hartford
County, or Howard 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.
www.central-scholarship.org
C OMMUNITY F OUNDATION OF W ESTERN M ASSACHUSETTS (MA)
The Community Foundation of Western Massachusetts administers over 70 endowment funds designated
for scholarships and loans for students from the region attending an accredited institution.
www.communityfoundation.org
D OLLARS FOR S CHOLARS OF L ANCASTER C OUNTY (PA)
The Dollars for Scholars of Lancaster County (formerly Citizens Scholarship Foundation of Lancaster
County) offers an interest-free 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.
www.dollarsforscholarslanc.org
H OOVER E DUCATIONAL L OAN F UND
The George W. Hoover and Anne A. Hoover Educational Loan Fund was established to help needy
students who might not otherwise be able to attend college. Applicants must be full-time students.
Contact the foundation for further information:
Hoover Educational Loan Fund
Omega Bank Wealth Management
2 South Market Street
P.O. Box 57
Selinsgrove, PA 17870
570-374-4252
J ONATHAN R. L AX S CHOLARSHIP F UND
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 region (specifically, Bucks, Chester, Delaware, Montgomery,
Philadelphia, and Camden counties). For further information, visit
www.breadrosesfund.org/grants-scholarships/lax-scholarship-fund
43
T HE S AMUEL L EMBERG S CHOLARSHIP L OAN F UND , I NC .
The Samuel Lemberg Scholarship Loan Fund provides interest-free loans to aid Jewish undergraduate and
graduate college students who exhibit exceptional academic achievement and face financial difficulties
pursuing a higher education. These loans must be repaid within ten years of graduation or termination of
studies.
www.samuellembergscholarshiploanfund.weebly.com
T HE L EON L OWENGARD S CHOLARSHIP F OUNDATION (PA)
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 are 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 greater Harrisburg area.
www.tfec.org
N EW H AMPSHIRE C HARITABLE F OUNDATION (NH)
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 gives
priority to students with limited financial resources.
www.nhcf.org
P RESBYTERIAN C HURCH (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.
www.pcusa.org/financialaid
T HE S CHOLARSHIP F OUNDATION OF S T . L OUIS
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 United States, and must have resided in one of the following areas two years prior to making
application:
Missouri
the counties of St. Louis City, St. Louis, Franklin, Jefferson, Lincoln, St. Charles, or Warren.
Illinois
the counties of Madison, Jersey, Monroe, Clinton, or St. Clair.
www.sfstl.org
44
Other Financial Resources
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.
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. For more information
contact the local union officers.
Employers
If applicable, students should investigate the possibility of obtaining financial assistance through their employer.
Students whose parents or spouse are employed should also consult with these employers as well. For more
information contact the human resource office of the employer.
PCOM Deferred Payment Plan
The deferred Payment Plan is interest free and administered on a per term basis. There is a service fee of $23 per
term. Contact the PCOM Bursar Office for more details. The payments for the deferred Payment Plan are as
follows:
st
1 Payment:
nd
2 Payment:
rd
3 Payment:
40% of amount owed payable on the tuition due date of that term.
30% of original amount owed, payable 30 days after the term’s tuition due date.
30% of original amount owed, payable 60 days after the term’s tuition due date.
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 26) of veterans who died while serving in the military
may also qualify for benefits.
www.gibill.va.gov
City Avenue Physicians Scholarship Fund for Residents and Interns (PA, GA)
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 fund is
awarded to physicians in their last year of residency, who demonstrate a sincere interest in training PCOM
students in Philadelphia, PA or Atlanta, GA healthcare communities. Residents may nominate themselves for this
award, or may be nominated by other residents or physicians who have supervised their residencies. An
announcement of the scholarship will be mailed to all area residents once a year.
Residency and Relocation (R&R) Loan Programs
Residency & Relocation (R&R) loans are private loans that help medical students with the expenses associated with
finding a residency, including interview travel expenses and relocation costs, as well as board exam expenses. R&R
loans are offered by numerous private banking organizations. Contact your local bank for details. Some of the
major lenders of R&R loans include Sallie Mae, Discover, Wells Fargo, and PNC. The PCOM Financial Aid Office is
not involved with R&R loans save for possibly verifying your enrollment at PCOM through the PCOM Registrar
Office. If you choose to take one of these private loans out, we suggest you compare lenders carefully and research
each loan's terms and conditions because these types of loans often have significant variable interest rates and
varying repayment schedules.
45
Philadelphia College of Osteopathic Medicine
Rowland Hall • Suite 203
4190 City Avenue
www.pcom.edu
Georgia Campus - Philadelphia College of Osteopathic Medicine
Student Services Suite
625 Old Peachtree Road NW
Suwanee, GA 30024
www.pcom.edu

PCOM Financial Aid Handbook - Philadelphia College of

Transcription

Similar documents

General Information Sheet

Vocational Scholarship Program

HNSA thanks Ed Zajkowski for his generous loan of the original

the application

scholarship - Education First FCU

US High School Scholarship Competition

Attn: SENIORS - UTSA College of Education

2016 Scholarship Summary Fair Chance Scholarship

Synyster Gates - Musicians Institute

Spring Edition - First Choice Community Credit Union, Inc.