ࡱ> ]c ̍bjbj ObOb1+o66JJJ^^^8^]N V l l 5."W2<3MMMMMMM$}P3SXNJ34+5.3434Nl N55534ll (J M534M55}H,xJ C4IM-N0]NISs5@S4xJSJxJP343453434343434NN5343434]N34343434S3434343434343434346B x:  SEQ CHAPTER \h \r 1Financial Aid Guide A Guide to Financial Planning and Resources  Doctor of Medicine  SCHOOL OF MEDICINE Office of Student Financial Planning 1501 Mercer University Drive Macon, GA 31207 478/301-2853 musmfinancialaid@mercer.edu Table of Contents Introduction 3 General Information & Policies 3 (Student Rights & Responsibilities, Payment of Tuition, Financial Aid Disbursement Dates) Financial Aid Eligibility and Requirements 5 Student Budget 6 Application Process 7 Award Process 8 Funds Available for Medical Students 9 Alternative Sources for Funding Your Medical Education 13 Contact Information 14 Mercer University School of Medicine does not discriminate on the basis of age, race, color, national and ethnic origin, sex, or handicap in the administration of education policies, admission policies, financial aid, employment, or any other college program or activity. It admits qualified students to all rights, privileges, programs, and activities generally accorded or made available to students. All information contained herein is subject to change as conditions dictate. Introduction  Congratulations on your acceptance to medical school. Now that you have successfully navigated the admissions process, you find yourself faced with funding your medical education. Medical education is expensive. High student debt loads and constantly changing health care reform issues are concerns for those entering medical school today. It is our hope that you will use the resources available within the Office of Student Financial Planning at Mercer University School of Medicine (MUSM) to help alleviate some of your fears and concerns. The primary responsibility for the funding of your education lies with you and your family. However, many families today cannot contribute sufficient funds to meet the expenses of attending medical school. The goal of the Office of Student Financial Planning is to assist you with financial planning and debt management so that you will be able to graduate and practice medicine with the least possible amount of debt. Begin financial planning by establishing a realistic budget and learning to live within that budget. Search for scholarships through extended family members, corporations, organizations, counties, communities, foundations, employers, etc. Be sure to review the Outside Scholarship section of our website. Fill in remaining need with student loans. All students are encouraged to be creative in financing their education. Many opportunities are available to those who intend to practice primary care medicine. You may be able to locate financial support on your own. If you are from a rural area of Georgia and want to return there to practice, talk to your hospital administrators or recruiters, county commissioners, concerned citizens, and practicing physicians. Let them know you have been accepted to medical school and need assistance to fulfill your goal of becoming a physician. Stay in touch with people in your community who may be able to help you finance your medical education. The staff of the MUSM Office of Student Financial Planning is looking forward to assisting you with your financial plans. Feel free to call us at 478/301-2853, e-mail us at musmfinancialaid@mercer.edu or stop by our office. We are here to help you! General Information and Policies  Student Rights and Responsibilities The student has the right to know: 1. The cost of attendance. 2. Financial aid programs available from federal, state, and institutional sources. 3. Procedures or deadlines for submitting financial aid applications. 4. How financial aid is distributed, how decisions about that distribution are made and the basis for those decisions. 5. How the students financial need is determined. This includes how costs for tuition and fees, room and board, travel, books and supplies, personal and miscellaneous expenses, etc. are considered in the student budget. 6. How the students eligibility was determined and what resources (such as parental contribution, other financial aid, student and family assets, etc.) are considered in the calculation of financial need. 7. How much of the financial need, as determined by the institution, will be met. 8. An explanation of the various programs in the student aid package. How and when funds will be disbursed to you. 9. The schools refund policy. 10. What portion of the financial aid must be repaid and what portion is grant aid. If the aid is a loan, the student has the right to know the interest rate, the total amount to be repaid, the repayment procedures, the length of time he or she will have to repay the loan, when repayment is to begin, and the cancellation or deferment provisions of the loan. 11. How the school determines satisfactory academic progress and what happens if progress is not satisfactory. 12. That all documents submitted to the Office of Student Financial Planning are confidential. 13. How to appeal a decision made by the Office of Student Financial Planning concerning your award. The students responsibilities are to: 1. Accurately complete all documents required for financial aid and submit them properly before the deadlines. 2. Provide correct information. In most instances, misrepresentation of information on financial aid application forms is a violation of law and may be considered a criminal offense which could result in indictment under the U.S. Criminal Code. 3. Be responsible for reading and understanding all forms requiring his or her signature and for keeping copies of them. 4. Accept responsibility for all signed agreements. Repay all student loans you receive. 5. Return all additional documentation, verification, corrections, and/or new information requested by the Office of Student Financial Planning or the agency to which the application was submitted. 6. Be aware of the schools refund policy and procedures. 7. Notify the Office of Student Financial Planning of any change in your enrollment or financial status, including all scholarships and grants received from outside sources. Changes in enrollment status and address changes must also be reported to all lenders with whom you have a loan. 8. Participate in an entrance counseling session before receiving loans from any source. The session will review available loans and the terms and conditions of each loan. 9. Participate in an exit counseling session upon leaving MUSM, whether by graduation or withdrawal. The exit interview session will inform the student of loan repayment, deferment and forbearance options. 10. Be aware of and comply with all requirements for continuation of financial aid, including satisfactory academic progress requirements. Payment of Tuition Tuition payments are due biannually at MUSM. The cost of tuition for each academic year is divided equally into two billing periods. Tuition for all students is due on the first day of class for the billing period. All financial aid funds are credited directly to the students account. Direct Unsubsidized Loans and Direct Grad PLUS loans are received by the University electronically from the Department of Education, and are disbursed to the students accounts around the first day of class, assuming all eligibility requirements have been met. If a student receives financial aid funds in excess of tuition and fees, the extra amount will be refunded to the student by the Bursars Office within 14 days of the receipt of funds or within 14 days of the first class day of the term, whichever is later. Financial Aid Disbursement Dates Financial Aid funds are scheduled to be disbursed on the following dates for the 2019-20 school year, assuming all disbursement criteria have been met. All funds are disbursed directly to the students account. The Bursars Office is responsible for processing all refunds. Disbursement Refund Available Date Week of Year 1 8/8/2019 8/15/2019 1/27/2020 2/3/2020 Year 2 7/30/2019 8/6/2019 1/3/2020 1/13/2020 Year 3 7/25/2019 8/1/2019 1/27/2020 2/3/2020 Year 4 7/15/2019 7/22/2019 12/9/2019 12/16/2019 Yr 2 & 3 ACT 7/1/2019 7/9/2019 1/3/2020 1/13/2020 Leave of Absence Although a student may be granted an academic Leave of Absence, most Leave of Absences must be considered as withdrawals for federal Title IV purposes, and thus the student is not eligible for an in-school deferment status of student loans while on Leave of Absence. The withdrawal date is the date the student began the Leave of Absence. Please contact the Director of Financial Planning before taking a Leave of Absence to determine how your federal financial aid will be affected. Financial Aid Eligibility and Requirements  Who is eligible for Financial Aid? To qualify for financial aid programs and maintain eligibility, an applicant must: Be a citizen or permanent resident of the U.S. Be accepted for admission to Mercer University School of Medicine. Be enrolled in good standing at least half time. Maintain satisfactory academic progress. See the Satisfactory Academic Progress section of our website. Not be in default on a previous student loan or owe a refund on any Title IV funds received at another institution. Be registered with the Selective Service, if male. Adverse Credit It is the policy of MUSM that the responsibility for the funding of a students education lies with the student and his/her family. The student is solely responsible for the payment of tuition regardless of eligibility for financial aid. It is not the policy of MUSM to fund with institutional scholarships or loans the financial needs of students with credit problems who enter or are currently enrolled at MUSM. Students with adverse credit may find it difficult to finance all their medical school expenses throughout the four years of medical school. Although a student with adverse credit may receive a Direct Unsubsidized student loan, assuming other eligibility requirements are met, he or she will not be able to receive Federal Graduate PLUS loans or private student loans offered through lending institutions, unless they are able to obtain a credit worthy co-signer. Thus, we suggest all students obtain and review a current credit report from one of the national consumer credit agencies (Equifax, Experian, Trans Union) to review their credit prior to applying for financial assistance. Note that students will not be denied federal funds due to lack of credit, only adverse credit. What is Financial Need? A student is determined to have financial need when the Expected Family Contribution (EFC), as determined by a federally-approved needs analysis, is less than the sum recognized as the school-approved budget for attendance at MUSM. Financial need is calculated this way: Student Budget Expected Family Contribution  Financial Need The student budget includes tuition, books and equipment, room and board, and living expenses. It does not include an allowance for payments on credit cards, auto loans or other consumer debts. The EFC is calculated by the Department of Education through its contracted central processors. The central processor uses financial information submitted on the FAFSA for the student and spouse, if married, in a federal formula to determine the expected family contribution. The Expected Family Contribution is displayed on the Students Institutional Student Information Record (ISIR), which both the student and school will receive after the FAFSA is processed. A student must prove financial need in order to be eligible for need-based aid (certain Title VII and institutional funds administered by the school). A student may not receive need-based aid in excess of the calculated financial need. A student may use non-need-based, Federal Direct Unsubsidized Stafford Loans and Direct Grad PLUS Loans to replace the expected family contribution. Overall, a student may not receive financial assistance from all sources, whether need-based or non-need-based, in excess of the school approved budget. If a student demonstrates no financial need, he or she may borrow funds from non-need-based loans for an amount not to exceed the total cost of education; i.e., the school-approved budget. MD Program 2019-2020 Student Budgets  Macon, Savannah, and Columbus Campuses 4 Year Program Year 1 Year 2 Year 3 Year 4 Tuition/Fees: $42,586 $43,025 $42,586 $42,586 Books/Supplies: 2,250 2,230 2,569 200 Room/Board: 15,000 15,000 18,000 15,000 Transportation: 2,500 2,500 3,000 2,500 Miscellaneous (Includes health insurance): 3,945 3,945 4,245 7,539 Loan Fees (Unsubsidized & PLUS): 1,133 1,133 1,133 1,133 TOTAL: $67,414 $67,833 $71,533 68,958 Macon, Savannah, and Columbus Campuses 3 Year ACT Program Year 2 Year 3 Tuition/Fees: $43,025 $42,586 Books/Supplies: 1,600 200 Room/Board: 16,500 18,000 Transportation: 2,750 3,000 Miscellaneous (Includes health insurance): 4,095 4,245 Loan Fees (Unsubsidized & PLUS): 421 2,421 TOTAL: $68,391 $70,452 Adjustments to Student Budget The standard student budget establishes a limit on the total financial aid each student is allowed to receive. The MUSM Office of Student Financial Planning encourages every student to economize in any way possible to minimize the amount of money they must borrow. Most students find themselves able to live on less than the amount allowed in the budget. During the course of an academic year, circumstances may arise that cause a student to need financial assistance in excess of the standard student budget. In certain limited situations, the student budget may be expanded to include additional allowable items. Allowable Items for Budget Increases Each expense must be documented with receipts and submitted to the MUSM Office of Student Financial Planning. The following items may be used to increase the student budget: Necessary Medical and dental expenses of the student, not covered by insurance, Dependent care costs for dependents, Disability related expenses of the student, Student Health Insurance Premium > $2280 per year, One-time computer purchase Application Process  How to Apply for Financial Aid All applicants for financial aid funds are required to annually complete the Free Application for Federal Student Aid (FAFSA) on-line at  HYPERLINK "https://fafsa.ed.gov" fafsa.ed.gov. The FAFSA serves as your application for all federal financial aid sources (scholarships and loans) as well as institutional need-based scholarships. The FAFSA is a need analysis questionnaire approved by the U. S. Department of Education (DOE) which measures the applicants financial resources. The DOE does not make financial awards or determine the type of aid for which the student is eligible. After the analysis has been completed, the Department of Education forwards to the student and to the school an Institutional Student Information Record (ISIR), an analysis of the student and family resources (income and assets). IMPORTANT NOTE> All graduate and professional students are considered to be independent for federal student aid purposes and are therefore not required to provide parental financial information on the FAFSA; however, MUSM requires that all students submit parental information on the FAFSA in order to be considered for institutional need-based scholarships. If a student only wishes to be considered for the Federal Direct Unsubsidized Loan and the Federal Direct Grad PLUS Loan, parental information is not required. Applicants All applicants for admission to MUSM are encouraged to complete the Free Application for Federal Student Aid online, regardless of their acceptance status. The applicant should indicate on the FAFSA that the information should be sent to all schools to which he or she is applying. Although financial aid awards will only be offered to accepted students, if this information is available to the Office of Student Financial Planning when the applicant is accepted, financial aid awards can be processed in a more timely manner. Accepted Students Application information is sent to all students when they are accepted. Every effort should be made to complete the FAFSA by the April 1 priority deadline. If a new student is accepted after April 1, the FAFSA should be submitted online as quickly as possible. School-administered funds are limited and will be awarded as they become available after awards are made to students who have met the April 1 priority deadline. Returning Students All returning students should submit a FAFSA by May 1. Transfer Students Financial aid funds are available for transfer students. The same application procedures apply as those required of entering students. Award Process  How Awards are Determined MUSM-administered scholarships and loans are limited and are therefore awarded to the neediest students. In determining a students eligibility for MUSM funds, student contribution, spouse contribution (if married), parental information (as determined by the FAFSA), and outside resources, are all considered. Parents are not required to contribute to the cost of education, but the reported parental information will be used in determining the students eligibility for institutional scholarships. All students who complete a FAFSA and meet the eligibility requirements will be offered a Federal Direct Unsubsidized Stafford Loan and a Federal Direct Graduate PLUS Loan. These loans are not based on need. Offer of Financial Aid All entering students who have met the April 1 FAFSA filing deadline will receive an Award Notification Letter by June 30. Late accepts and transfer students who have not met the April 1 deadline due to acceptances offered late in the spring will receive an award letter shortly after the results of the FAFSA have been received in the Office of Student Financial Planning. Need-based funds will be offered to eligible entering and transfer students as the funds become available. Adjustment to Aid Awards It is the students responsibility to inform the Office of Student Financial Planning of any changes in his or her financial status during the course of the academic year. At any time after the financial aid application has been submitted or an award made, adjustments may be made by the institution if estimated resources change. All students who receive scholarship/grant funds from sources outside of Mercer University are required to notify the Office of Student Financial Planning. An adjustment to the students award package may be required. Funds Available for Medical Students  Nathan Deal Scholarship The Nathan Deal Scholarship covers 85 to 100% of MUSM tuition for a maximum of 4 academic years. Upon completion of residency, 4 years of continuous full-time medical practice in a medically underserved rural Georgia county is required. The medical practice must accept Medicaid patients. Students must be enrolled or accepted for enrollment in the 4 year MD program and be a Georgia resident with strong ties to rural Georgia. Applications are available online at  HYPERLINK "https://medicine.mercer.edu/prpg/nathan-deal-scholarship/" https://medicine.mercer.edu/prpg/nathan-deal-scholarship/ . Primary Care Mission Scholarship Students enrolled in the 3 year Accelerated Track Program are eligible to receive the Primary Care Mission Scholarship. The scholarship covers 100% tuition for the final 2 years of medical school in exchange for a commitment to practice either Family Medicine or General Internal Medicine for 3 years in a rural or medically underserved Georgia county. The Medical practice must accept Medicaid patients. (Other primary care specialties may be added at a later date.) Underrepresented in Medicine Scholarships Underrepresented in Medicine Scholarships are awarded annually to new students by the Underrepresented in Medicine Committee. There is no separate application for the scholarship the AMCAS and Mercer Admission Application serves as your application. Awards typically range from $1800 to $20,000 per year. MUSM Need-Based Scholarships These scholarships are awarded to students based on financial need and specific criteria established by the donor of each scholarship. An applicant must be in good academic standing in order to receive a scholarship. Students must furnish parental data on the Free Application for Federal Student Aid in order to be considered for MUSM Need-Based scholarships. Awards typically range from $1000 to $6000. MUSM Need Based scholarships are: -Halstead Tindal Anderson Memorial Scholarship -AXA Foundation Scholarship -T.E. Bloodworth Scholarship -Dr. Egbert C. and Susie P. Bridges Scholarship -T. & V. Broome Scholarship -Carroll/Haralson Co. Medical Student Scholarship -Cherokee Brick & Tile Scholarship -Mallie Adkin Clark Scholarship -John Eustace and Leila Denmark Scholarship -Mary E. Fountain Medical Scholarship -Georgia Bone & Joint Scholarship -Dr. Howard Glover, Jr Scholarship -Dr. R.B. & Dr. Harold W. Goldin Memorial Scholarship -Dr. Godsey Endowed Scholarship -R. Kirby Godsey Scholarship -Frank B. & Dorothy H. Graham Scholarship -Marshall T. Hahn Scholarship -Marion Campbell Hatcher Scholarship -Dr. W. Derrell Hazelhurst Scholarship -John Hudson Scholarship -Mary Johnson & Dr. Paul C. Tucker, Jr. Scholarship -Charles H. Jones Scholarships -S. Gus Jones Scholarship -Judy Jones Scholarship -K. Wayne & Patty Jones Scholarship -Edward C. Klatt, M.D. Endowed Scholarship -David and Jane LaGuardia Scholarship -Doris Lawrence Scholarship -W. Earl Lewis Scholarship -Robert P. Lufburrow Memorial Scholarship -T. Raleigh & Gail H. Mann Scholarship -Medical Education Endowed Scholarship -MUSM Class of 2002 Scholarship -MUSM Class of 2003 Scholarship -MUSM Class of 2005 Scholarship -MUSM Endowed General Scholarship -MUSM Endowed Minority Scholarship -MUSM Mission Fulfillment Scholarship -MUSM Unrestricted Scholarship -Daniel E. & Muriel H. Nathan Scholarship -Luther W. New Scholarship -Ralph G. Newton, Jr. Memorial Scholarship -Ralph G. Newton, Sr. Memorial Scholarship -Claude L. & Kay R. Pennington Scholarship -Frank C. Pinkston Scholarship -Mamie Eugenia Porter Scholarship -Jack H. Powell Scholarship -Janie Bell Powell Memorial Scholarship -Joseph Hamilton Ray Scholarship -Marion D. & Madge P. Reed Scholarship -Ralph D. Roberts Scholarship -J.S. Robinson Scholarship -J. Roy Rowland Scholarship -Shurden Family Scholarship -Dean Dubose Smith Scholarship -Helen Stinson Smith Scholarship -John and Bonnie Stepan Scholarship -Margaret M. Sumner Memorial Scholarship -Carolyn Thorpe Volpe Scholarship -James H. Whaley Scholarship -Dr. Marion S. Whitehead Memorial Scholarship -Doris Kate Williams Scholarship -Norris C. Williams Scholarship Loans William D. Ford Federal Direct Loan Program Under the William D. Ford Direct Loan Program, the Department of Education makes loans to students to pay the cost of attendance at post secondary schools. Mercer University receives loan funds directly from the U. S. Department of Education and disburses them to eligible students. There are two kinds of Direct Stafford loans available to MUSM students: Direct Unsubsidized Stafford Loan these loans are available to students regardless of financial need; however, the borrower is responsible for the interest that accrues on the loan. Monthly payments are not required while the student is enrolled at least half-time. To apply for a Direct Loan, a student must complete and submit a Free Application for Federal Student Aid (FAFSA). The interest rate for Direct Unsubsidized Stafford Loans disbursed on or after July 1, 2019 will have a fixed interest rate of 6.079%. The interest is fixed for the life of the loan. Note that interest rates will be adjusted annually each July 1 for new loans disbursed on or after each July 1. The lender will deduct a 1.062% processing fee from the loan proceeds. The annual loan limit for a Direct Unsubsidized Loan is $20,500. Health Professions students may access additional funds in Unsubsidized Loans up to $26,667 for a 12-month academic year. The total aggregate amount of Subsidized and Unsubsidized Loans may not exceed $224,000, including any loans for undergraduate study. Repayment of Direct Unsubsidized Loans begins six months after graduation or at least half-time enrollment is terminated. The borrower may choose from several different repayment plans. Students who can demonstrate a partial financial hardship may enroll in an income driven repayment plan. Deferment and forbearance options are also available under certain circumstances, to include serving a medical internship or residency. Additional information can be located at  HYPERLINK "https://studentaid.gov/" https://studentaid.gov/ . Direct Graduate PLUS Loan these loans are available to students regardless of financial need; however, the borrower is responsible for the interest that accrues on the loan. Monthly payments are not required while the student is enrolled at least half-time. To apply for a Direct Loan, a student must complete and submit a Free Application for Federal Student Aid (FAFSA). The interest rate for Direct Graduate PLUS Loans disbursed on or after July 1, 2019 will have a fixed interest rate of 7.079%. The interest is fixed for the life of the loan. Note that interest rates will be adjusted annually each July 1 for new loans disbursed on or after each July 1. The lender will deduct a 4.248% processing fee from the loan proceeds. To be eligible to receive a Graduate PLUS Loan, you must not have an adverse credit history. The federal processor will pull a students credit report during the application process. A student whose Graduate PLUS loan has been denied may be approved with a credit worthy endorser. Students may receive a Graduate PLUS loan to cover the difference between their student budget, as defined by their school (See Student Budget), and all other sources of financial assistance. Repayment of Direct Graduate PLUS Loans begins six months after graduation or at least half-time enrollment is terminated. The borrower may choose from several different repayment plans, including income driven repayment plan. Deferment and forbearance options are also available under certain circumstances, to include serving a medical internship or residency. Additional information can be located at  HYPERLINK "https://studentaid.gov/" https://studentaid.gov/ . Primary Care Loan The Primary Care Loan (PCL) program is a federal Title VII loan program for medical students who have financial need and are committed to primary health care practice. The program requires that a student commit to entering and completing a primary health care residency program and practice primary health care for a specific period of time to be eligible to receive funding. Title VII primary health care, as defined by the Primary Care Loan Program regulations, includes family medicine, general internal medicine, general pediatrics, preventive medicine, and osteopathic general practice. The  SEQ CHAPTER \h \r 1Primary Health Care Loan has a 5% fixed rate. No interest accrues during school or residency. If the borrower does not enter a primary care residency or fails to fulfill his or her service obligation, the outstanding loan balance will be computed annually at an interest rate of 7% from the date of noncompliance. Primary Care Loan borrowers must enter and complete a primary health care residency as defined by the program regulations no more than four years after completing a medical degree and must practice primary health care until the loan is repaid in full. Students who wish to apply for Primary Care Loan funding should notify the Financial Planning Office. Please note that since these funds are limited, funds are awarded based on financial need and year in school, with priority given to 4th year students. Loan Entrance Counseling In an effort to assure that a student is an informed borrower, MUSM and federal regulations require that every student participate in an entrance counseling session before federal loan funds are disbursed. Important information about each loan the student plans to borrow and topics relating to debt management, and general repayment obligations are covered during Entrance Counseling. Additional information is provided in the students Award Notification Letter. Loan Promissory Notes A Master Promissory Note must be signed before Federal Direct Unsubsidized Stafford Loans and Federal Direct Graduate PLUS loans can be disbursed. These notes can be signed on-line. Additional information is provided in the students Award Notification Letter. Loan Exit Counseling Every student who borrows from federal and/or institutional loan funds must participate in an exit counseling session upon graduating or withdrawing from MUSM. During this session, the borrower reviews the total sum borrowed, the source of each loan, repayment options, the amount of each loan and the date repayment begins. Alternative Sources For Funding Your Medical Education  A wide variety of outside sources of funding are available to medical students. Some funds are easily obtained while others are difficult to find, apply for, and receive. Take some time to research opportunities for alternative funding. It requires patience and hard work, but the results can be lucrative. The following is a short list of ideas to inspire the ambitious financial aid applicant. It is by no means exhaustive, but should give a good beginning to the search. Talk to major health care organizations in your area. Let them know you have been accepted to medical school and that you need financial assistance. They may be willing to assist you financially in return for service after you have completed residency. Find a patron or benefactor. Review on-line scholarship search engines. Find out if your parents employers have a scholarship or sponsoring program for students. Ask a family doctor to become a mentor and assist in the search for funds. Contact religious and service organizations such as the Rotary Club, Lions Club, etc. Scholarships Armed Forces Health Professions Scholarship This scholarship is available for entering as well as and returning students. The recipient receives full tuition, fees, cost of books and equipment, and a stipend for living expenses in return for a commitment of service as a physician for each year of funding. Application is made directly to the program in which the student is interested. For information, see:  HYPERLINK "https://www.goarmy.com/amedd/education/hpsp.html" https://www.goarmy.com/amedd/education/hpsp.html  HYPERLINK "https://www.airforce.com/search/HPSP" https://www.airforce.com/search/HPSP  HYPERLINK "https://www.med.navy.mil/sites/pubproto/Lists/Info_Pages/DispForm.aspx?ID=22" https://www.med.navy.mil/sites/pubproto/Lists/Info_Pages/DispForm.aspx?ID=22 National Health Service Corps (NHSC) Scholarship The National Health Service Corps Scholarship is a competitive federal program which awards service-obligated scholarships for health profession students. For each year of funding, recipients incur one year of obligated service providing full-time primary health care in a health profession shortage area (HPSA) assigned by the NHSC. The minimum service obligation is two years. NHSC application packets are available from  HYPERLINK "https://nhsc.hrsa.gov/scholarships/prospective-scholars/index.html" https://nhsc.hrsa.gov/scholarships/prospective-scholars/index.html . Other outside scholarships can be found under Outside Scholarships on our website. Contact Information  It is the responsibility of the Office of Student Financial Planning to assure that all students have easy access to information concerning every aspect of financial aid programs available, including updates in federal regulations that relate to these programs and financial planning and debt management techniques. The staff fulfills this responsibility using a variety of publications and workshops that are conducted throughout the 4 years of medical school. The Director and Associate Director of MUSM Student Financial Planning are typically available from 8:30 a.m. until 5:00 p.m. for financial advising for students and their families. Please contact us with any questions you may have. We look forward to working with you! Whos who in Student Financial Planning Susan Lumsden Director, MUSM Student Financial Planning Associate Director, MUSM Student Financial Planning 478/301-2539 912/721-8220  HYPERLINK "mailto:lumsden_sb@mercer.edu" lumsden_sb@mercer.edu, Office E-Mail:  HYPERLINK "mailto:mumsfinancialaid@mercer.edu" mumsfinancialaid@mercer.edu Fax: 478-301-5617 Updated Jan 2020      PAGE \* MERGEFORMAT 1 EMBED Presentations.Drawing.14 \* MERGEFORMAT \s EMBED Presentations.Drawing.14 \* MERGEFORMAT \s $)*-XYZ[_`rstuwy{|·›“}ume]eUJ<h,ihGR6CJ]aJh,ihGRCJaJhGRCJaJh@NCJ$aJ$h,iCJ$aJ$hUCJaJhGRCJ0aJ0hGR5CJ0\aJ0h^phGRCJ8aJ8hGRCJHaJHjhUUmHnHuhGR56CJ$\]aJ$hGR5CJ\aJhGR5CJH\aJHh\f5CJ8\aJ8hGR5CJ8\aJ8hGRCJaJmH sH jhGRCJUaJmH sH *+,-Y[\]^_`stvwxyz{| $d,a$gdGR$a$gdGRgdGR $da$gdU$a$gdU  ! . / 1 Q R X    ? 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