Approximately 95 percent of the School of Dental Medicine's students receive financial aid, from a variety of sources. The Office of Financial Aid assists students in completing the application process. This office also submits approved applicants to participating lending institutions.
These are estimated direct costs for the 2014-2015 academic year.
|Summer Clinic Fee||$2,745||$2,745|
|Instrument Leasing Fee||$237||$253||$253||$253|
|Clinic Computer Leasing Fee||$190||$190||$190||$190|
|Health Insurance *||$1,640||$1,640||$1,640||$1,640|
|Total billed by University:||$73,074.07||$71,301.74||$66,403.62||$66,341.18|
|National Board Exams||$410||$455|
|Professional Licensing exam||$2300|
|Budget for Replacement Items||$2,500||$2,500|
|Laptop Computer - required (estimate)||$2,500|
|Allowance for Books and Supplies||$1,743.93||$1,877.26||$1,088.38||$1,491.82|
|Allowance for Student Loan Fees||$2,238||$2,238||$2,238||$2,238|
|Allowance for Living Expenses||$18,044||$18,044||$22,064||$22,064|
|Total Other expenses:||$25,850.93||$22,694.26||$28,015.38||$31,173.82|
Federal financial aid is available only to students who are citizens or permanent residents of the United States. Listed below is a partial list of alternative funding for international students.
Scholarships offered by Case Western Reserve University School of Dentistry are based upon academic merit. International students with excellent credentials (as determined by the scholarship committee's assessment of the student's academic credentials, including DAT scores and GPA) may be eligible for consideration. The scholarship committee makes the determinations of these awards. These funds are very limited, with only 5 to 7 awards made each year.
Other scholarship and loan resources may be available. One excellent online reference is fastweb.
The following agencies will permit foreign student to borrow educational costs as long as they have a co-borrower who is a citizen of the United States. The amounts and terms will vary from agency to agency.
Sallie Mae's Signature Health Loan: 1-800-828-0290
In addition to those listed above, Canadian students may also be eligible for loans through their province:
Alberta Student Assistance Program: 403/427-2301
British Columbia Student Assistance Program: 604/387-6100
Ontario Student Assistance Program (OSAP): 807/343-7260
Financial Assistance for US citizens and permanent residents consists of some scholarship assistance, but mostly student loans administered by the federal government. Student loans are obligations that must be repaid.
Federal Student Loans
Financial aid at CWRU School of Dental Medicine consists of loans that are administered by the federal government of the United States. The first eligibility requirement is that one must be a U.S. citizen or an eligible non-citizen (i.e. permanent resident of the US). The second eligibility requirement is that of demonstrated need. To establish this, we require that all students submit a Free Application for Federal Student Aid (FAFSA) along with our application for financial aid.
Please note that while students enrolled in a graduate/professional field of study are considered to be independent, this only applies to the Department of Education, which governs the Stafford programs, including the Direct Loan Program. Students who apply for other assistance, such as a Health Professions Student Loan (HPSL) or school-based aid, must supply parental information on the FAFSA and provide a copy of their parent's current federal income tax forms.
Loan / Federal Direct Loan Program
Graduate or professional students may borrow funds each year through this program. Loans for periods of enrollment after July 1, 2012 are unsubsidized (non-need-based). The interest rate of these loans vary each year. For loans issued for 2014-2015 it is 6.21% The maximum unsubsidized loan available to most graduate and professional students is $40,500 per year. Students enrolled at the School of Medicine or Dentistry may be eligible to borrow up to this limit in unsubsidized funds.
Students must complete the Federal Application for Student Aid (FAFSA) and other application documents to be considered for a Ford Federal Direct Loan. Students interested in a Federal Direct Loan must complete a FAFSA and a Federal Direct Loan application to have their eligibility determined. Repayment of these loans begins six months after graduation or after a student withdraws or drops below half-time enrollment, as determined by the school.
Health Professions Student Loan (HPSL) Program (available only for Medicine and Dentistry Students)
The Health Profession Student Loan Program is offered to select students pursuing programs in medicine and dentistry. Eligibility for these loans is based on a financial need assessment of the student and the student's parent(s). Repayment of the HPSL loan is deferred until 12 months after cessation of full-time enrollment, with additional options for residency/fellowship periods.