Graduate Financial Aid
Go to www.PhilaU.edu/studentaccounts for more information.Cashier located on the first floor of Archer Hall: Monday-Friday academic hours 9:30 a.m. to 4 p.m.; 9:30 a.m. to 4 p.m. summer hours.
Statement of Financial Responsibility
An individual's registration as a Philadelphia University student constitutes his or her agreement to make timely payment of all amounts due. Philadelphia University uses electronic means (email and the Internet) as a primary method of communication and of providing billing, payment, and enrollment services. Signatures or acknowledgments provided by the student electronically to Philadelphia University via Philadelphia University systems and/or @students.philau.edu or @philau.edu email are valid and legally binding. Additionally, by accepting Philadelphia University's offer of admission and enrolling in classes, each student accepts responsibility for paying all debts to the University, including tuition and fees, for which he or she is liable. Details of the University’s billing policies are outlined in the annual expense brochure (included in this agreement by reference).
Expenses for 2014-2015
Tuition and Fees
Graduate tuition for the 2014-2015 academic year is $1,010 per credit hour. Credit by examination is $1,010 per course. Graduates are charged a $100 graduation fee. For full-time students enrolled in the Physician Assistant Studies Program, the annual tuition is $39,510. The tuition is $835 per credit for students enrolled in the Midwifery Program only. Students in the Strategic Design MBA program will be billed $1,250 per credit hour. Limited fellowship opportunities are available for Strategic Design MBA students. Graduate students who take day or evening undergraduate classes pay the graduate tuition rate for these classes. An international student fee of $100 per semester will be charged to all graduate students who are not U.S. citizens or permanent residents.
All graduate students in health sciences programs within the College of Science, Health and the Liberal Arts are required to have health insurance coverage through their family policy, an individual policy or through the University-sponsored health and accident plan. Graduate students in health sciences programs within the College of Science, Health and the Liberal Arts are also encouraged to participate in the Needle Stick policy. The policy will be billed automatically for these students. Students will be billed for half of the annual policy in the fall semester ($635) and half of the annual policy in the spring semester ($635). Students who withdraw or graduate during the fall semester will only have coverage through December 31. Students who begin their studies in the spring semester will be billed the spring/summer rate of $TBD. Students who have private insurance coverage may complete an online waiver that may be accessed in WebAdvisor. The waiver must be completed annually. International students must provide documentation of an annual health insurance plan directly to the Student Health Center and cannot use the online waiver option. The waiver deadlines are Friday, September 12, 2014, for the fall and Friday, February 6, 2015, for students who were not enrolled in the fall and are beginning their studies in the spring.
Other graduate students enrolled in at least three credits may choose to be enrolled in the University-sponsored plan. Open enrollment for the fall semester ends the second Friday in September and open enrollment for the spring semester ends the first Friday in February. For information on the University-sponsored plan, please contact the Student Accounts Office.
In adherence with immigration laws, international students are required to have health insurance coverage. Documentation of adequate health insurance must be provided to the Student Health Center by the second Friday in September for the fall semester and by the first Friday in February for the spring semester. If documentation of adequate health insurance is not provided, the student’s account will be charged for the University-sponsored health and accident plan. Adequate health insurance must include coverage for the academic year, be licensed to do business in the United States, have a U.S.-based office and a U.S. telephone number.
Student Accounts Office Located on the first floor of Archer Hall: Monday-Friday academic hours 9 a.m. to 5 p.m.; 9 a.m. to 4:30 p.m. summer hours.
Tuition is due by the first day of each semester. Students may pay by one of the following options:
- Remit payment in full
- Monthly payment plan
- Third Party Billing
- Financial Aid
Monthly Payment Plan:
Graduate students who wish to pay their tuition in monthly installments over the course of the semester must formally notify the University’s Student Accounts Office. Our office will enroll the student in a payment plan with Tuition Management Services (TMS). There is a nominal enrollment fee for this interest-free payment option. Notification will be required each semester and new enrollment with TMS will be required.
Third Party Billing:
Students whose employers offer tuition remission will need to submit this information to the Student Accounts Office by the first day of the semester. In the event of non-payment by the employer, the student will be responsible for all charges. Notification will be required each semester. Students whose employers offer tuition reimbursement will be responsible for paying the tuition by the first day of classes each semester and submitting the proof of payment to their employer for direct reimbursement.
Philadelphia University has contracted with A.W.G. Dewar to provide students with tuition insurance. Graduate and evening students are billed for tuition insurance on a per-credit basis. Physician’s Assistant students enrolled in the professional phase classes are billed a flat rate per trimester for the plan, which insures each student’s comprehensive tuition charges. A tuition insurance claim may be filed in the event that a student must withdraw from the University due to a serious illness or accident after the published tuition refund deadlines. This coverage will be billed automatically each semester, including the summer terms. Students may opt to waive this coverage via WebAdvisor. The waiver is good for the academic year and will need to be renewed annually. Waivers for the 2014-2015 academic year, including the 2014 summer semesters, may be completed after April 15th. Students who waived for the 2013-2014 academic year will need to complete the waiver again after April 15th to waive for the 2014-2015 academic year. Students who opt to waive the tuition insurance coverage will be responsible for billed expenses if they require a medical withdrawal after the published tuition refund dates. The annual tuition insurance waiver deadlines are the same as those outlined under Health Insurance. Claim forms for the tuition insurance are available in the Student Accounts Office.
Tuition is due by the first day of each semester. Checks should be made payable to Philadelphia University, P.O. Box 95000-4210, Philadelphia, PA 19195-0001, with the student’s identification number clearly indicated on the face of the check. If the University receives a total of three non-sufficient funds (NSF) checks, all future payments must be made by cash, certified check or money order. Students may also use WebAdvisor to pay their account balances online by accessing the QuickPAY link under the Billing Information section. Electronic checks and credit card payments are accepted. There is no fee to pay by electronic check. Credit card payments will be assessed a 2.75% service fee. Philadelphia University accepts American Express, Discover, MasterCard and VISA for tuition payment.
Eligible students who are enrolled on at least a half-time basis (defined as at least 3 credits per semester) may apply for the Federal Perkins Loan, Federal Work Study, Federal Stafford Loan and Unsubsidized Federal Stafford Loans.
Types of Financial Aid Available:
1. Federal Perkins Loan:
The Federal Perkins Loan program provides students with long-term, low-interest loans for educational expenses. The amount that can be made available to an applicant is based on the student’s computed financial need and available funding. A student is eligible to borrow up to $8,000 during one academic year, but not more than $60,000 for undergraduate and graduate study. No interest is charged while you maintain at least half-time status. Repayment of the loan with interest at five percent per annum on the unpaid balance begins either six or nine months (based on the conditions of your promissory note) after you graduate, terminate your student status, or become less than a half-time student. Repayment must be completed within 10 years after the interest begins to accrue.
Federal law requires that every student who has obtained a Federal Perkins Loan through Philadelphia University must have an entrance interview. This can be done at www.mappingyourfuture.org
Federal law requires that every student who has obtained a Federal Perkins Loan through Philadelphia University must have the opportunity for an exit interview before leaving the University. This can be done online at www.mappingyourfuture.org The Financial Aid Office will contact the borrowers prior to their anticipated graduation dates to remind them of the necessity for an exit interview.
2. Federal Work-Study Program:
The Federal Work-Study Program is designed to stimulate and promote the part-time employment of students who have demonstrated financial need and who require the wages from the employment to pursue their studies. Students in the Federal Work-Study Program are employed by the University. Students are paid bi-weekly for the hours worked during the preceding pay period. Federal Work-Study is not deducted from the student’s tuition invoice. Employment under the Federal Work-Study Program is awarded as part of your “financial aid package.”
The Financial Aid Office will attempt to match a student with a job based on his/her job application form which will be sent with the award letter. Students must maintain satisfactory progress to renew employment.
3. Direct Federal Stafford Loan (Unsubsidized):
Loans are available to students enrolled for at least three credit-hours per semester. Students may borrow up to $20,500 per academic year unsubsidized. The Unsubsidized Federal Stafford Loan requires the interest be paid by the student on a quarterly basis while the student is enrolled in school.
The total amount outstanding that you may borrow for undergraduate and graduate study is $65,500 subsidized and $138,500 combined subsidized and unsubsidized.
The annual interest for loans issued after July 1, 2014 has not yet been set by Congress. The rate for the 2013-14 academic year was a fixed rate of 5.41% for the unsubsidized loan. Interest begins to accrue upon disbursement on the unsubsidized portion of the loan. Repayment of the principal begins 6 months after the student has graduated or dropped below half-time status.
There is a 1.072 percent loan-origination fee deducted from the face value of the loan.
A Free Application for Federal Student Aid (FAFSA) must be filed at www.fafsa.ed.gov prior to certification of a loan application by the school. A student must maintain satisfactory progress to renew his/her loan.
Direct Federal Stafford Loan applications are available at www.studentloans.gov Sample payment plans for Direct Federal Stafford Loans are available at the Financial Aid Office.
Entrance and Exit Interviews
Federal law requires that when students borrow through the Direct Federal Stafford Loan program for the first time, they must complete an entrance interview. In addition, when students graduate, withdraw, or enroll less than half-time, they must complete an exit interview. The entrance and exit counseling sessions can be completed online at www.studentloans.gov.
4. Graduate PLUS Loan:
The Graduate PLUS Loan allows the graduate student to borrow up to the calculated cost of attendance minus any other aid that the student is receiving. Students must be enrolled in at least 3 credits per semester and be credit-worthy.The annual interest rate for loans issued after July 1, 2014 has not yet been set by Congress. The annual interest rate for 2013-14 was 6.41%. Repayment of principal and interest begins 60 days after the loan is disbursed. There is also a 4.288 percent loan origination fee deducted from the face value of your Graduate PLUS loan. To apply, students must complete a FAFSA at ww.fafsa.gov and a Direct Graduate PLUS Master Promissory Note at www.studentloans.gov.
Philadelphia University requires that all students applying for aid file the Free Application for Federal Student Aid (FAFSA). This may be done online at www.fafsa.gov. Financial aid, regardless of its source, may not be automatically renewable. It is the student’s responsibility to obtain the application forms and submit them once each academic year.
Call the Financial Aid Office at 215.951.2940 with questions.
A limited number of graduate assistantships are available to selected qualified incoming graduate students. Assistantships are competitive, and students should apply by the deadline published by the Office of Graduate Admissions. Award criteria include demonstrated exceptional scholastic achievement; outstanding professional promise; and competence for service in the departments of the University. The financial need of applicants may be an additional consideration.
The objectives of the University Graduate Assistantship Program are to provide professional experiences that complement graduate instruction and research while contributing financial assistance to exceptional students who are pursuing graduate degrees at Philadelphia University.
This Assistantship Program is designed to aid in the successful completion of the degree pursued and to enhance career opportunities through applied professional experiences. All graduate assistant duties are designed to foster student training and graduate-level learning experiences.
Compensation includes tuition remission and a modest stipend for a maximum of four semesters (up to a maximum of 36 graduate credits). Awards may be full or prorated assistantships. Students must maintain the academic standing described the Graduate Assistant Program Guidelines. Contact the Office of Graduate Admissions for more information or visit www.philau.edu/financialaid/graduate for details.
Veterans and Veteran's Dependent Benefits: The Post 9/11 GI Bill® is for individuals with at least 90 days of aggregate service on or after September 11, 2001. This new GI bill also has a transferability component allowing service members to transfer unused educational benefits to immediate family members. For additional information regarding the Post 9/11 GI Bill, go to www.gibill.va.gov. Veterans who served on continuous active duty for 181 days or more after January 31, 1955, may be eligible for educational benefits under the Montgomery G.I. Bill or Veterans Educational Assistance Program (VEAP). In addition, a variety of loans, employment opportunities and other forms of financial assistance are available to veterans. A student who is the dependent on a veteran who died or is permanently disabled as a result of service in the armed forces and students who are serving in the reserves may be eligible for educational benefits. The Financial Aid Office has further information, or contact the Veterans Administration at www.va.gov.
Yellow Ribbon Program: Philadelphia University also participates in the Yellow Ribbon Program. Contact the VA at www.va.gov for more information regarding the qualifications for that program.
Withdrawals and Refund of Tuition
A student who wants to initiate leave of absence or withdrawal must complete either the Withdrawal form or the Leave of Absence form. These forms are available from the Registrar’s Office or online at www.philau.edu/Registrar/forms. A student is considered in attendance until one of these forms is completed and returned to the Registrar’s Office and the student has been withdrawn from all of his/her classes. Students cannot drop all of their classes on WebAdvisor. Students should contact the Registrar’s Office to confirm all courses have been withdrawn and that their Withdrawal/Leave of Absence has been processed. Students are encouraged to follow up with the Student Accounts and Financial Aid offices to discuss the financial implications.
Tuition charges for students who withdraw from the University will be refunded on the following basis:
|Before 1st class meeting||100%|
|Before 2nd class meeting||80%|
|Before 3rd class meeting||60%|
|Before 4th class meeting||40%|
|After 4th class meeting||0%|
Online: (Online classes follow this refund policy regardless of login status)
|Before classes start||100%|
|First week of class||80%|
|Second week of class||60%|
|Third week of class||40%|
|Beginning of fourth week of class||0%|
The date for calculating refunds is the date on the student’s written request for withdrawal. Failure to complete withdrawal in writing results in an unofficial withdrawal. Refunds, transcripts and recommendations will be withheld until this written request is received.
The University uses Federal regulations to determine the refund of federal financial aid funds to the federal government. A copy of this federal refund calculation is available at the University’s Financial Aid Office.
Students dismissed from the University receive tuition refunds prorated from date of dismissal. Refunds for medical reasons will be reviewed on an individual basis. All refunds will be paid within 30 days of graduation or withdrawal/dismissal.
Academic Progress Requirements
The University is required to establish satisfactory academic progress standards for its federal financial aid recipients in accordance with the U.S. Department of Education regulations. These standards ensure that only those recipients demonstrating satisfactory progress toward the completion of their educational programs continue to receive financial aid.
Whether a student is considered to be making satisfactory academic progress depends on successful semester completion of courses (credit hours), cumulative grade point average (GPA) and maximum time limits to complete their course of study. Students must meet all the requirements listed below:
- Semester Completion Requirement: A student must have earned hours equal to at least 75 percent of total hours attempted for the semester to remain in good standing. Students earning less than 75 percent of the hours attempted will be placed on financial aid probation.
Attempted hours are defined as the hours for which the student is enrolled and charged as of the census date of each semester. Earned hours are defined as the sum of hours for which a student has earned a grade of A, B, C or D. Withdrawals, incompletes, audits and failures are not earned hours. Passing grades received for pass/fail courses are considered attempted and earned hours; failing grades in pass/fail courses are considered attempted but not earned. Repeated courses are included in the calculation of attempted and earned hours.
- Grade Point Average Requirements: Students must maintain a cumulative grade point average (GPA) of 3.0 or have academic standing consistent with the requirements for graduation as determined by the University. Philadelphia University’s academic standards are outlined in the graduate course catalog.
- Maximum Time Limit Requirements: A student’s eligibility for financial aid will be terminated once they have attempted more than 190 percent of the normal credits (as defined in the graduate course catalog) required for his/her degree program. All attempted hours are counted, including transfer hours, whether or not financial aid was received or the coursework was successfully completed.
- Evaluation of Academic Progress: A financial aid recipient’s satisfactory academic progress is evaluated after each semester of the academic year. At that time, a student will either be in good standing, be placed on financial aid warning, or denied financial assistance for future enrollment periods. The student must meet all three progress requirements (completion rate, GPA and fall within the maximum time frame) to remain in good standing. Students will be notified by the Financial Aid Office if they are placed on warning or denial status for financial aid.
- Warning status: Warning status will not prevent the student from receiving financial aid. The warning semester is meant to inform the student of potential academic problems and provide time for corrective action. If a student does not meet the satisfactory academic progress standards after the warning period, denial status will be imposed. Denial status will prevent the student from receiving any Title IV and institutional financial assistance for future enrollment until such time as the student meets all satisfactory academic progress standards.
- Appeal and Reinstatement: Students may appeal their denial status by submitting an Appeal Form to the Director of Financial Aid. Appeal forms are included in the letter informing students of their denial status and should be submitted to the Financial Aid Office.
Some circumstances such as medical problems, illness, death in the family, relocation or employment changes or personal problems can be considered for an appeal. Documentation verifying the situation may be requested.
Submission of the form is required within four weeks of receipt of the denial letter. The Director of Financial Aid will review the appeal and contact the student via letter as soon as a decision is reached.
Students can raise their GPA and/or satisfy credit deficiencies by taking additional coursework at Philadelphia University without receiving financial aid. Students can eliminate credit deficiencies, but not GPA deficiencies, by successfully completing approved coursework at another institution without receiving aid at that institution. Transfer credits used to satisfy credit deficiencies cannot be credits that were earned prior to the semester in which the student incurred the deficiencies. The student must submit a copy of the academic transcript to both the Financial Aid Office and Registrar’s Office.
The policy does not preclude a student from enrolling in subsequent semesters. Students may have their financial aid reinstated by the Financial Aid Office once all satisfactory academic progress standards are met. It is the student’s responsibility to inform the Financial Aid Office once they have fulfilled the necessary requirements.
Return of Title IV Funds
The Financial Aid Office is required by federal statute to recalculate federal financial aid eligibility for students who withdraw, drop out or take a leave of absence prior to completing 60 percent of a payment period or term. The federal Title IV financial aid programs must be recalculated in these situations.
Recalculation is based on the percentage of earned aid using the following Federal Return of Title IV funds formula:
The number of days completed up to the withdrawal date divided by the total days in the payment period or term equals the percent of the payment period or term completed. (Any break of five days or more is not counted as part of the term.) The percentage is also the percentage of earned aid.
Funds are returned to the appropriate federal program based on the percentage of unearned aid (100 percent minus the percentage of earned aid).
If a student earned less aid than was disbursed, the institution would be required to return a portion of the funds and the student may be required to return a portion of the funds. Keep in mind that when Title IV funds are returned, the student borrower may owe a debit balance to the institution.
If a student earned more aid than was disbursed to him/her, the institution will offer the student a post-withdrawal disbursement via a letter, which, if accepted, must be paid within 120 days of the student’s withdrawal. The student must accept or decline the post-withdrawal disbursement within the time frame indicated in the letter.Refunds are allocated in the following order:
- Unsubsidized Federal Stafford Loans
- Federal Perkins Loans
- Federal Graduate PLUS Loans
The Student Health Center is located in Scholler Hall. Call 215.951.2986. To obtain a health insurance brochure, contact the Student Accounts Office at 215.951.2633/2944.
Health Services is available to all international graduate students. Other full-time graduate students may opt to utilize the services by paying the semester Student Health fee and submitting a Pre-matriculation Health Form. Arrangements to pay the fee can be made by visiting Student Health Services, located at the end of Scholler Hall adjacent to the Althouse Gym, or the Business Office.
The Student Health Center is open weekdays from 9 a.m. to 5 p.m. A Self-Care Station is stocked with common over-the-counter medications and health education brochures that are available to all students during the hours of operation. The Center is staffed by nurse practitioners who can meet most health care needs. Please feel free to call 215.951.2986 for an appointment or visit during walk-in hours. Information about the Center’s hours can be found at www.PhilaU.edu/healthservices. Students who require more comprehensive treatment are referred to local physicians, hospitals and laboratories at the student’s expense.
While on-campus housing is reserved for undergraduate students, unreserved space is available for graduate students. The Office of Residence Life places graduate students on a first-come, first-serve waitlist for housing in the Philadelphia University Residences Falls Center complex. In addition, the Office of Residence Life provides listings of off-campus housing including apartment complexes and local rentals, and offers a yearly off-campus housing fair. For further information, please contact the Office of Residential Life at 215.951.2741.
The University is prepared to offer graduate courses at an employer’s location. Please call the appropriate program director or director of Graduate Admissions for details.
All students must register their vehicles. Registration may be done at www.PhilaU.edu/security/parking. A valid state registration and current insurance card must be presented, together with a current, valid University I.D., to pick up your parking permit at either the Safety and Security Office on the Ravenhill Campus, Monday through Friday, from 9 a.m. to 5 p.m., or during the first two weeks of the fall and spring semesters, from 5 p.m. to 7 p.m. in The Tuttleman Center lobby. For information, call the Safety and Security Office at 215.951.2620.
|Full-time Day Graduate Students|
|Part-time Day Graduate Students (under 12 hours)||$70/year|
|Evening Graduate Students||$15/year|
|Student Identification Card||No fee|
Student photo-identification cards are available to graduate students. During the first two weeks of classes, the University has extended evening hours to process new student identification cards in The Kanbar Campus Center. Students will need identification cards to check out books and access buildings, such as the library and computer center.