ࡱ> Z\Y -bjbjVV 4Z<<%daT# $!$Z::,pʨh'"J 0# TR$$$>,$# $ : Meredith College Financial Assistance 2011-2012 Covering Your Annual Cost Worksheet This worksheet is designed to give you an idea of what attending Meredith will actually cost you and your family. Please keep in mind that any extra fees, fines, charges or any changes in the number of credits you are taking may change the figures calculated here. This worksheet is for your use only and is not intended to replace any bills or statements you receive from the College. Step 1: Add Up Your Total Costs 2011-2012 Annual charges Full-time Tuition and Fees (12-18 semester credits) $27,770 Housing Residence Hall and Meals $7,950 Apartment Rent (available to upper-class students only -- meals not included) 4 Bedroom ($3,325/semester + $1,330 for summer) 2 Bedroom ($3,920/semester + $1,568 for summer) Parking Resident $175.00 Commuter Parking $100.00 Additional Annual Costs Books ($0-$850) Private Room Charge ($1,982*) Other (Transportation, Miscellaneous, etc.) Health Insurance* (mandatory if proof of other insurance is not provided--*amount is estimated based $515.00 on last years health insurance costs) Total Costs Amount $______________ $______________ $______________ $______________ $______________ $______________ $______________ $______________ $______________Step 2: Add Up Your Total Financial Assistance Federal, State, Institutional and Outside Grants and Scholarships Student Loans Work-study Award (if applicable). - Since students must earn these awards over the course of the term and the amounts are limited, these funds are not credited to the student account and are used generally for miscellaneous expenses once earned. Therefore, work-study awards should not be used when determining the amount you will owe to the college. TOTAL FINANCIAL ASSISTANCE $______________ $______________ $______________Step 3: Subtract Your Total Assistance From Your Total Costs This is how much it may actually cost you to attend Meredith for the year.  $__________Step 4: Additional Options If the charges exceed your total assistance or your ability to pay, you may want to consider additional funding options. Please refer to the reverse side of this sheet titled Additional Options and Instructions for more information on the following funds. Add the additional funding below to your total assistance to recalculate what you will owe the College. Family Payment (can be divided into 10 monthly payments through a payment plan) Family Savings Outside Scholarships NOT listed on the Statement of Award Federal PLUS Loan (to make a decision on a possible amount refer to Statement of Award) Unsubsidized Stafford Loan (result of PLUS denial) Alternative Student Loan (to make a decision on a possible amount refer to Statement of Award) Student Summer Savings Total After Additional Options  $______________ $______________ $______________ $______________ $______________ $______________ $______________ $___________ If you would like further assistance, please visit us at our webpage at  HYPERLINK "http://www.meredith.edu/financial_assistance" www.meredith.edu/financial_assistance, call us at 919-760-8565, or e-mail us at HYPERLINK "mailto:finaid@meredith.edu"finaid@meredith.edu. Additional Options and Instructions We understand that, depending on your current financial situation, you may wish to pursue additional options to finance your Meredith education. If this is the case, it is certainly worth investigating outside scholarship opportunities, student loans, and payment plans in order to help you and your family meet your educational goals. Below are some of the best and most common options to pursue. If you have questions, please visit our website at HYPERLINK "http://www.meredith.edu/financial_assistance"www.meredith.edu/financial_assistance or contact us at HYPERLINK "mailto:finaid@meredith.edu"finaid@meredith.edu. Payment Plans Tuition Management Systems Monthly Payment Plan: If you would prefer to pay tuition on a monthly basis, Tuition Management Systems can help. For a low annual enrollment fee, you can pay your balance in even monthly installments over the course of the academic year. To obtain additional information about Tuition Management Systems monthly payment plan, visit HYPERLINK "https://www.afford.com"https://www.afford.com or call 1-800-722-4867. Additional Loan Options A variety of loan options are available to students and families seeking to supplement their grant and scholarship assistance. The terms and conditions for student loans vary depending on the type. While multiple banks and companies advertise and offer educational loans, we have included several options below that offer superior terms and interest rates. To explore your loan options in greater detail, please visit  HYPERLINK "http://www.meredith.edu/financial_assistance/loans.htm" http://www.meredith.edu/financial_assistance/loans.htm. Stafford Loans If you have completed the Free Application for Federal Student Aid (FAFSA), then you are eligible to receive a Stafford Loan. If you wish to receive a Stafford Loan and do not see it listed on your Statement of Award, you can complete the FAFSA at  HYPERLINK "http://www.fafsa.gov" www.fafsa.gov. Depending on your demonstrated financial need, you may qualify for either a Subsidized or Unsubsidized Stafford Loan. These loans are federally administered through lenders and offer excellent terms with fixed, low-interest rates. Loan limits are based on a students class status and are federally controlled. If you received a Stafford Loan as part of your financial assistance award package, please visit  HYPERLINK "http://www.meredith.edu/financial_assistance/loans.htm" http://www.meredith.edu/financial_assistance/loans.htm. Alternative Student Loans You may apply for an alternative loan from a number of lenders. Like a Stafford Loan, payments can often be deferred until 6 months after graduation. Eligibility for alternative loans is frequently based on a students credit history, and if a cosigner is needed (sometimes called a surety), you will be notified during the online application process. Go online to  HYPERLINK "http://www.meredith.edu/financial_assistance/loans.htm" http://www.meredith.edu/financial_assistance/loans.htm view student loan information. Click Apply Now to complete your lenders Master Promissory Note (MPN) online. If a surety (or cosigner) is needed, your lender should notify you during the online process. Please note that if you are approved, you can request an amount up to but not to exceed the amount listed on your statement of award. PLUS Loan* The Parent Loan for Undergraduate Students (PLUS) is a federal loan program offered, as the name indicates, to the parents of undergraduate students. A student must be enrolled at least half-time and eligibility is contingent upon a parents qualifying credit approval. To apply for a Federal PLUS loan, please complete the following steps: Go online to  HYPERLINK "http://www.meredith.edu/financial_assistance/loans.htm" http://www.meredith.edu/financial_assistance/loans.htm to view parent loan information. Click HYPERLINK "http://www.meredith.edu/financial_assistance/loans/"Parents and follow the directions to complete the credit review and Master Promissory Note (MPN) online. Once your PLUS loan request has been approved by the Department of Education, we will confirm and certify the appropriate amount and add it to your financial assistance award package. * Ifyour parent is denied the PLUS loan,you may be eligible for an additional interest bearing Stafford Loan called the Unsubsidized Federal Stafford Loan. The amount will vary depending on yourclassification (FR, SO, JR, SR). Please contact our office after your parent(s) is denied a PLUS loan if you are interested in securing the Unsubsidized Stafford Loan. Outside Scholarships In addition to internet scholarship searches and the links provided on our website, local civic organizations, churches, and employers often offer scholarships to students in their communities. These scholarships are typically designed to assist students exhibiting superior effort and a clear sense of academic purpose. While these scholarships may require a lot of time and energy from the student for research, essay writing, and interviews, they can significantly supplement educational expenses. Ask local organizations if they offer scholarships and visit our website to search scholarships via the web. Remember; do not pay anyone to find scholarship money for you. More information on financial assistance is available in the enclosed materials. 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