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NORTHWESTERN UNIVERSITY 710 N. Lake Shore Drive, Room 629 (C315) Chicago, Illinois 60611-3078 Office of Financial Aid, Chicago (312) 503-8722 financial-aid-chicago@northwestern.edu THE SCHOOL OF CONTINUING STUDIES GRADUATE PROGRAM Welcome to Northwestern and the world of financial aid. This information sheet has been designed to inform you about your rights and responsibilities as a recipient of financial assistance and is applicable to students who have received their “Important: 2009-10 Northwestern Financial Aid Award Notice” email. You will receive this email once your 2009-10 financial aid award is processed by our office. Please read the following information carefully. If you have any questions after reading our materials, please contact a financial aid advisor in our office Your receipt of financial assistance is based upon our review of the financial aid application materials you have provided to our office. Financial aid is offered on the basis of demonstrated need. You will be required to apply for financial aid each year using the appropriate federal and institutional aid applications. You will be considered for financial aid in subsequent years if you are making satisfactory academic progress towards your certificate or degree. Information about satisfactory academic progress requirements is available from The School of Continuing Studies Graduate Program. Your financial aid award for the 2009-10 academic year is outlined on your “Accept/Decline Financial Aid Package” web page in CAESAR. Financial aid (including Federal Title IV aid) is divided evenly over periods of enrollment unless otherwise stated on your “View My Financial Aid” web page in CAESAR. Once you have completed and submitted the appropriate loan applications electronically with your lender, they will be processed for final approval and disbursement. Funds for the Federal Title IV programs (Stafford loans, Grad PLUS loans, etc.), either in part or in total, have been appropriated by the United States Congress and are administered by the University. The financial aid Cost of Attendance for the 2009-10 year is listed on the “Financial Aid Eligibility” web page in CAESAR. Your Cost of Attendance is comprised of the actual tuition for your projected enrollment plus averages for books, room and board, personal expenses, transportation, and loan fees. Your Cost of Attendance will not be increased to cover expenditures beyond the estimated expenses listed. Your financial aid award is related to information reported on the financial aid application materials. Since the award is a direct reflection of your (and your family’s) financial circumstances, the terms of the award are to be a confidential matter between you and Northwestern University. Under the Family Educational Rights and Privacy Act (FERPA), all students have certain rights with regard to their educational records. A copy of the University’s student records policy is available on the Web at www.northwestern.edu/registrar/ferpa. Disclosure of appropriate consumer information always has been a priority at Northwestern and much is provided in annual publications. Below are some references that may be helpful. 1. Information regarding: 2. The availability of Federal Family Education Loan (FFEL - including Federal Stafford Loan and Graduate PLUS Loan) loan deferments can be obtained from your lender. 3. Northwestern University accreditation through the North Central Association of Schools and Colleges, can be obtained from the Registrar’s Office (847/491-5234). Specific program accreditations can be obtained from The School of Continuing Studies Graduate Program. 4. Completion/Graduation rate information can be obtained through the Registrar’s Office. 5. Campus Security can be obtained through University Police (312/503-8314) or visit their web site at http://www.northwestern.edu/up 6. School–related information can be found on your school’s website. 7. Financial Aid information can be found on our website at http://chicagofinancialaid.northwestern.edu Your Financial Aid Award can be found on CAESAR. It lists information about the financial assistance offered to you. There are several steps you must follow in order to receive the funds offered to you on the Financial Aid Award. YOUR FINANCIAL AID AWARD HERE’S WHAT YOU NEED TO DO The School of Continuing Studies Graduate Program - Checklist Read all the materials in the “Financial Aid Award Information” section of our web site. Log onto CAESAR at http://www.northwestern.edu/caesar/ using your NU email account Netid and password. You must accept, decline, or reduce your financial aid award electronically. You may do this by navigating to For Students>Financial Services>Accept/Decline Financial Aid and then click aid year 2010 in the select aid year to view page. Follow the instructions on the “Financial Aid Award Package” page to complete and submit your 2009-10 financial aid award notice to our office electronically. This should be done every time you receive a Financial Aid Award Notice email from our office unless noted otherwise. Determine which (if any) additional loan materials you need to complete. You may do this in CAESAR by navigating to For Students>Financial Services>To Do Item History>Select Aid Year 2009-10. Please follow the instructions in the “Description” column next to each To Do Item(s). It is very important you complete any outstanding item(s) on this list as soon as possible. First time Stafford and Grad PLUS Loan borrowers: The on-line Award Notice on the “Accept/Decline Financial Aid Award Package” page in CAESAR is your loan application for Federal Stafford and Grad PLUS Loans. You must submit the on-line Award Notice to our office electronically. About two weeks after you submit your award notice to our office, you will receive an email from your Stafford and/or Grad PLUS Loan lender regarding the steps needed to complete and e-sign your Federal Stafford and/or Grad PLUS loan Master Promissory Note (MPN) on your lenders’ web site. You must also complete loan applications for any other loans listed on your on-line award notice. You can determine which (if any) additional loan applications you need to complete by checking your 2009-10 “To Do Item History” in CAESAR as explained above. Continuing Stafford and Grad PLUS Loan borrowers: The on-line Award Notice on the “Accept/Decline Financial Aid Award Package” page in CAESAR is your loan application for Federal Stafford and Grad PLUS Loans. You must submit the online Award Notice to our office electronically but you do not need to complete a Federal Stafford and/or Grad PLUS Loan Master Promissory Note because you submitted one in a prior year. However, if you wish to receive any other loan(s) that may be listed on your on-line Award Notice, you must complete the on-line loan application(s) promptly. You can determine which (if any) additional loan applications you need to complete by checking your 2009-10 “To Do Item History” in CAESAR as explained above. LOAN APPLICATION DEADLINES You need to submit your completed on-line loan applications no later than two weeks after you receive your “Important: 2009-10 Financial Aid Award Notice” email, or by the following dates, whichever is sooner. If we do not receive your completed on-line loan application by the deadline, the loan funds may no longer be available to you. Fall quarter 2009: November 6, 2009 Winter quarter 2010: February 5, 2010 Spring quarter 2010: May 1, 2010 Summer quarter 2010: July 10, 2010 If you are borrowing student loans for the first time, complete a federally required entrance interview so that your funds may be disbursed to you. See page 4 of this form for information regarding entrance interviews. CHANGE IN CIRCUMSTANCES You must notify us immediately if your circumstances change. Failure to notify us of any changes may jeopardize your eligibility for assistance in the current and/or subsequent academic period(s). Notification of any change should be submitted in writing or by email. The Committee on Financial Aid to Students will review the change in circumstances and notify you of any adjustment in your financial aid eligibility. Do not hesitate to contact a financial aid advisor if you have any questions regarding this issue. • • CHANGES IN CIRCUMSTANCE CAN INCLUDE: change in courseload • receipt of a scholarship or monetary gift change in registration status • change in expected earnings • change in employer contribution Your financial aid award may be adjusted if you change your enrollment plans and/or take time off during the academic year. The financial aid programs for which you are eligible and the amount of aid that you can receive from each program depend on your enrollment status. Contact a financial aid advisor for more details. DISBURSEMENT OF FINANCIAL AID Note that no financial aid funds can be disbursed to you before the first day of class. Therefore, you should have some personal cash available at the start of each school year for the purchase of books and other items that must be paid before classes begin. Deferment of Prior Educational Loans You may be eligible to defer payment on prior educational loans while you are enrolled at least half-time as a student. Contact your lender to determine if you qualify for a Student Loan Deferment. Deferment of Federal Stafford Loans, Grad PLUS and Alternative Loans: In most cases, the University Registrar sends your enrollment information to the National Student Clearinghouse electronically. The Clearinghouse will then notify your lenders that you are in school. You also have the option to request a deferment form from your lender. If you choose this option, you need to complete the “Student Section” of the form and bring it to your program’s registrar. Your registrar will complete the form and send it to the Clearinghouse. Deferment of Federal Perkins Loan: Contact your former school to obtain a Student Deferment form (your former school is your lender for the Federal Perkins Loan). Complete the “Student Section” of each deferment form as directed and bring or send each deferment form to your current school’s registrar office. Your registrar will complete the form and send it to your former school. PAYMENT OF TUITION BILLS AND LATE FEES The Office of Student Accounts is responsible for maintaining your financial account with the University. They send eBill account statements via email around the 10th day of each month. These eBill statements reflect all transactions (i.e., charges and credits) to your account since the previous monthly statement. If your statement shows a balance due, you are responsible for paying the bill by the stated due date. A late fee may be assessed if your bill is not paid on time. Questions about your eBill statement and late fees should be directed to the Office of Student Accounts. Matriculated students may review their student account online using Caesar (http://www.northwestern.edu/caesar/) and also have the option to make electronic payments to their student account using Northwestern University ePay. More information about eBill and ePay can be found at http://www.northwestern.edu/sfs/payments/methods.html. Office of Student Accounts, Chicago Abbott Hall, Room 120 Phone: (312) 503-8503 710 N. Lake Shore Drive Hours: 8:30 a.m. to 5:00 p.m. Chicago, IL 60611 Monday through Friday Website: http://www.northwestern.edu/sfs/index.html Office of Student Accounts, Evanston 555 Clark Street Phone: (847) 491-5224 1st Floor Hours: 8:30 a.m. to 5:00 p.m. Evanston, IL 60208 Monday through Friday Website: http://www.northwestern.edu/sfs/index.html Paying your bill If your tuition bill has a balance due that will not be covered by financial aid: All students may pay by mail using a check or money order. If mailed, the payment must be received by the due date. Be sure to mail your payment at least five days in advance of the due date to avoid a late fee. All students may pay in person with cash, check, or money order at the Bursar’s Office on either the Chicago or Evanston campus. Matriculated students have the option to make electronic payments on the web using Northwestern University ePay. Anticipated Loan Credits Anticipated loan credits typically appear on the first tuition bill for each term reflecting federal loan funds you are expected to receive for that term. The purpose of anticipated loan credits is to allow you to easily determine how much you owe to the University beyond your financial aid. Anticipated loan credits are removed from your account automatically when the actual loan funds are received at the Office of Student Accounts. They also will be removed if you fail to apply for your loan(s) (i.e., submit completed loan applications) in a timely manner. Contact our office if you have any questions about anticipated loan credits. GENERAL ADVISING INFORMATION We are here to serve your educational financing needs. Please feel free to call, e-mail, or come by our office any time you have a question or need assistance. It is best to call in advance for an appointment if you want to speak directly to an advisor so that you will not have to wait or be inconvenienced. Appointments are particularly recommended late in the day. Walk-ins are always welcome, however, and we will do our best to assist you. Address, Phone, Fax, Email, Website Office of Financial Aid, Chicago Phone: (312) 503-8722 710 N. Lake Shore Drive, Room 629 Fax: (312) 503-8700 Chicago, IL 60611-3078 Email: financial-aid-chicago@northwestern.edu Website: http://chicagofinancialaid.northwestern.edu Office Hours Monday through Friday Student Mailings 8:30 a.m. - 5:00 p.m. The majority of our communication with you is done via your NU Email Account. However, occasionally we use the postal service as well. All postal mail from our office is sent to the current address you have on record in CAESAR. Please update your current address in CAESAR immediately if your address changes. IMPORTANT INFORMATION FOR FEDERAL STAFFORD AND GRAD PLUS LOAN BORROWERS Entrance Interviews All first-time borrowers of Federal Stafford loans must complete the federally required entrance interview. Students can complete the Federal Stafford Loan Entrance Interview on-line at: (First-time borrowers only) http://mappingyourfuture.org/oslc/index.cfm?act=Intro&OslcTypeID=1 Please select Northwestern University (for LW, MD, PO, PT, SCS, TMP only)Chicago, IL in Step 2 of the on-line process and be sure to complete the confirmation page at the end of the test. All first-time borrowers of Federal Grad PLUS loans must complete the federally required entrance interview. Students can complete the Federal Grad PLUS Loan Entrance Interview on-line at: http://mappingyourfuture.org/oslc/index.cfm?act=Intro&OslcTypeID=24 Please select Northwestern University (for LW, MD, PO, PT, SCS, TMP only)Chicago, IL in Step 2 of the on-line process and be sure to complete the confirmation page at the end of the test. No federal loan funds can be disbursed to you until you have completed an entrance interview. Exit Interviews (Graduating/withdrawing students only) Students borrowing loans who plan to graduate during the 2009-10 academic year or who withdraw from their program must complete a loan exit interview before leaving the University. This is a federal requirement. The NU Student Loan Office conducts the exit interviews. Students can contact the Student Loan Office at (847) 491-3125 to arrange for their exit interview.