WebAdvisor - Rosalind Franklin University

2011-2012
Financial Aid Guidelines
Financial Aid Notification
Financial Aid Notification officially documents the amount of financial aid requested/certified, the student budget,
and the quarterly distribution of aid for the 2011-2012 academic year. Continuing students can access their award
notifications by logging on to WebAdvisor. New students will be emailed their award notification.
Financial aid funds (scholarships, grants, federal and private loans, graduate tuition waivers) will first be applied to the
student account each quarter as a direct credit against total charges. Student Billing will send electronic notification
when funds have been posted to the student’s account. Federal funds are applied to student accounts no earlier than
10 days before the beginning of each quarter. Students must apply separately for each loan program and be approved
before loan funds will be applied to their accounts.
All financial aid funds will be disbursed evenly among the number of quarters a student is registered. Students may
refund or cancel all or part of their loan(s) at any time by completing the Refund/Cancellation form. The amount of
financial aid awarded may not exceed the annual student budget.
Federal Work-Study awards are not reflected as credits on the university account. Federal Work-Study awards are
earned through employment. The student is paid by check or direct deposit bi-weekly for hours worked and may earn
up to the amount awarded.
Entrance and Exit Counseling
All incoming students and first-time federal student loan borrowers are required by the U.S. Department of Education
to complete mandatory Entrance Counseling before receiving their loan funds. The Entrance Counseling is designed
to educate and inform the student of their rights and responsibilities as a federal loan borrower.
Every student who receives a loan from any federal loan program is required to complete mandatory Exit Counseling
prior to graduation, leave of absence or withdrawal from RFUMS. Exit Counseling is a requirement for graduation.
Exit Counseling is designed to educate borrowers about grace period, forbearance, and repayment options. Students
are encouraged to call or make an appointment with Student Financial Services to discuss any questions they may
have.
Web Advisor
WebAdvisor is an online tool for RFUMS students to access the most up to date information regarding their
enrollment, billing and financial aid. The following information is available 24/7 through WebAdvisor:
• Financial Aid Award Summary (current and previous)
• My Account Summary by Term
• Grades
• Grade Point Average by Term
• Request Enrollment Verification
• Check Enrollment Request Status
• Unofficial Transcript
• Request Transcript
• Check Transcript Request Status
• Sign up for direct deposit
• My Profile
Login here
New students will receive their login information during orientation.
WebAdvisor
Online Student Access

2011-2012
Financial Aid Guidelines
Tuition and Fee Payment
Rosalind Franklin University of Medicine and Science require timely payment of all tuition and fees. Billing
statements for active student accounts will be mailed to the address on file with the Registrar’s Office three (3) weeks
prior to the quarter start date. Failure to receive an official University billing statement does not relieve any student of
the responsibility for payment. Tuition and fees are billed quarterly and due on or before the first day of each term.
Billing statements will include charges and anticipated financial assistance as of the statement date. Remember: A
statement is a snapshot of a student account on the day it was generated. Payments or other credits received will not
show up until the next bill is generated. Students may also access Web Advisor to view the most up-to-date balance.
Registration is made final only upon satisfaction of all charges.
Important Payment Dates
Term Statement Financial Aid
Release Date Disbursement
Summer May 31, 2011 – April 29, 2011 May 31, 2011 –
2011 August 5, 2011
June 4, 2011
Fall August 15, 2011 – July 15, 2011 August 15, 2011 –
2011 November 4, 2011
August 20, 2011
Winter November 14, 2011 October 14, 2011 November 14, 2011 –
2011 – February 17, 2012
November 19, 2011
Spring February 29, 2012 – January 27, 2012 February 27, 2012 –
2011 May 18, 2012
March 2, 2012
*Statement Release Date: Student billing statements mailed.
Tuition/Fee Late Charges
Due Date Assessed
May 31, 2011 June 6, 2011
August 15, 2011 August 23, 2011
November 14,
2011
February 27,
2012
November 22,
2011
March 6, 2012
Making Payments
Students can pay by mail, drop box, or in person. Tuition and fee charges may be paid by the following options
below:
• Payment in full using check or money order (include Colleague ID)
Mail to: Student Financial Services
Bursar Office
3333 Green Bay Road
North Chicago, IL 60064
To ensure proper credit of student account, your check should be:
o Payable in U.S. dollars to RFUMS
o Include your name and student ID
Your check will be deposited upon receipt
• Financial Aid Deferral
Students who have financial aid pending by the quarter start date may use this option. Students must have
taken all required steps to receive the financial aid. Tentative financial aid or awards in process cannot be used
in determining the net balance due on a student’s account. Students choosing to apply for financial aid option
should contact Student Financial Services prior to the quarter start date. Loan funds not received within 60
days will be reviewed.
• Sponsored Third Party Billing
RFUMS will temporarily defer the payment of students who present written authorization/contract from a
third party/sponsoring company for payment of tuition and/or fees on their organization or corporate
letterhead. All letters/contracts are subject to review by Student Financial Services and must include the
following information:
• Student’s name
• Student ID

2011-2012
Financial Aid Guidelines
• Quarter or academic year covered
• Dollar or percentage limit (tuition and/or fees), if applicable
• Sponsoring organization’s name, billing address, contact person and telephone number
Sponsored Third Party documentation must be submitted to Student Financial Services 30 days prior to the quarter start date.
• Credit Cards
Student Financial Services accepts credit card payments for tuition and the student service fee; however, the
following requirements do apply:
• MasterCard, Visa, Discover and American Express are accepted by phone or fax
• All financial aid funds must be applied to the balance first before using a credit card for payment
• Credit card payments will not be accepted on accounts already paid in full unless the student
provides written authorization to hold the pre-payment for future quarters in which the student owes
an outstanding balance after applying financial aid funds
• Convenience fee of 2.50% will be charged for all credit card payments
Late Payment and Service Charge
Effective May 1, 2011, students with outstanding balances will be assessed a quarterly late fee of $50.00 and
interest on any unpaid balance. An interest fee calculated on a daily basis at the rate of 18% per annum
(1.5% per month) calculated back to the first day of the academic term will be assessed to the student’s
account. A University hold will also be placed on a student’s account until the balance is paid in full. If
further action is warranted, the student will be responsible for all collection costs and legal fees.
University Hold
Students and former students who have an outstanding balance with RFUMS are subject to being placed on a
University hold. A University hold could result in any or all of the following:
• Denial of registration for courses and access to D2L
• Withhold transcripts or diploma
• Suspension of all University services and privileges
• Administratively withdraw the student
• Assign the student's account to a collection agency
• Report the delinquent account to a credit bureau
• Cancellation of health, dental and vision insurance
Returned Checks
If a check payment posted to your account is returned by the bank because of insufficient funds, the returned check
along with a $25.00 returned check fee will be charged to your student account. Failure to immediately replace the
returned check will result in a University hold being placed on your student account.
Health Insurance
Rosalind Franklin University requires that all full-time students obtain and maintain health insurance while enrolled at
RFUMS. In order to ensure that all students are in compliance with this requirement, the University offers group
health insurance provided by Maksin Management Corp.

2011-2012
Financial Aid Guidelines
New students must submit either a Health Insurance Enrollment Form or a Health Insurance Waiver Form by the
10 th business day of the first academic term enrolled at the University. The health insurance waiver must be
accompanied by proof of coverage from another insurance company. Students who fail to return either of the
required forms will automatically be enrolled in the Maksin Plan B.
Loan Program Review
HPSL
(Podiatry
only)
Monash,
MSLT
(Medical
only)
Loan Program Perkins
Subsidized
Stafford Unsubsidized Stafford Grad PLUS
Apply FAFSA FAFSA FAFSA
FAFSA,
RFUMS
App, MPN
FAFSA, RFUMS App,
MPN
FAFSA,
RFUMS App,
MPN
Interest Rate
5% fixed;
subsidized
5% fixed;
subsidized
6%
6.8% fixed;
subsidized
6.8% fixed; unsubsidized
7.9% fixed;
unsubsidized
Fees N/A N/A N/A Up to 1% Up to 2% Up to 4%
Annual Max Varies Varies Varies $8,500
$12,000 graduate students
$32,000 professional
1st & 2nd year students
$38,666 professional
3rd & 4th year students
Up to cost of
attendance less
other financial
aid funds
Annual Min $500 $500 $500 $500 $500 $500
6 months – loans
disbursed after
July 1, 2008
Grace Period 9 months 12 months 12 months 6 months 6 months
No Grace –
loans disbursed
prior to July 1,
2008
National Student Loan Data System (NSLDS)
NSLDS will give you access to your federal loan information 24/7. We encourage all students to utilize this valuable
online tool. Log on to www.nslds.ed.gov to review your federal loan information at any time.
Deferment of Loans from Previous Institutions
To claim deferment on student loans obtained as an undergraduate or as a graduate student, a properly certified
deferment must be submitted to the lender/servicer. The form is available from the lender. Timely filing of the
deferment form is important, as it must be done before the expiration of any grace period. Deferment provisions on
the different loan programs vary. Deferment forms are certified by Academic Records and Retention. RFUMS
participates in the National Student Clearinghouse. Reminder: update your address with all previous
lenders/servicers.
Student Overpayments
Student loan funds are received by the Finance Office before the start of each quarter. Any billing on a student’s
account (tuition, fees, health insurance, and housing) is automatically paid by the received loan funds. Any credit
balance remaining on the student’s account will be processed as an “overpayment” to the student. The student
overpayment is used to cover books, supplies and living expenses. It is the student’s responsibility to budget
accordingly. Advances and short-term loans are not permitted.

2011-2012
Financial Aid Guidelines
Students who have a credit balance on their account will receive an automatic payment via direct deposit to the
student's personal bank account or via a check mailed to the student's local address. Payments are processed every
Wednesday and Friday.
If students have not previously set up direct deposit and would like to have funds deposited directly to their personal
bank account in the future, log on to Web Advisor to do so.
If a student does NOT want to have payment sent automatically via direct deposit or check, please complete an
Authorization to Hold Funds Form and return to the Student Financial Services, Student Billing
It is recommended that new students relying on financial aid for their living expenses bring enough money with them
to cover at least two months worth of rent and expenses. Refund checks are normally available within two weeks of
the start of classes.
2010-2011 Student Overpayment Dates:
Quarter Dates Overpayment Release Dates
Summer 05/31/2011 – 08/05/2011 Week of 05/31/2011
Fall 08/15/2011 – 11/04/2011 Week of 08/15/2011
Winter 11/14/2011 – 02/17/2012 Week of 11/14/2011
Spring 02/27/2012 – 05/18/2012 Week of 02/27/2012
Budget Planning
Use the Budget Worksheet to help in planning your budget for the year. If you requested the full student budget, you
are allotted approximately $1700 per month for living expenses. Remember to account for loan fees which will reduce
the amount of funds you receive. Student overpayments include the funds allocated for books, supplies, living
expenses and boards.
Direct Deposit
RFUMS recommends that your student payment to be electronically deposited into your personal bank account. If you
do not sign up for direct deposit, a check will automatically be mailed to the billing address on file. Visit the Student
Financial Services Student Billing website for the Direct Deposit Authorization form and details on how to enroll.
Current students may sign up on WebAdvisor.
Requesting Additional Loan Funds
Students who did not initially request their full Stafford Loan or Grad PLUS eligibility may request additional loan
funds in writing by completing the Additional Loan Request form and returning it to Student Financial Services.
Additional loans can be processed for students once they have a valid Master Promissory Note (MPN) on file for the
Federal Stafford Loans, or the Grad PLUS Loan.
Refund and Cancellation Form
Use the Refund/Cancellation form to cancel loans you do not require before disbursement and to refund loan funds
to the bank after disbursement. Submit completed form and payment (if applicable) to Student Financial Services.

2011-2012
Financial Aid Guidelines
Budget Appeals
Budget adjustments are available in very limited circumstances, such as daycare expenses or unexpected medical
expenses not covered by health insurance. Students requesting increases in the standard student budget due to
exceptional circumstances are required make an appointment with Student Financial Services. You will be required to
complete a separate application and provide extensive documentation of all relevant expenses. Your request may be
reviewed by a committee.
Federal regulations allow us to consider only those expenses that are directly related to your attendance at RFUMS for
the academic year in question. The regulations do not allow us to take into consideration any payments to consumer
debt (credit cards) or automobile loans when determining a student's cost of attendance or the student's eligibility for
federal or institutional funds.
Award Adjustments
Federal program regulations require an adjustment of a financial aid award containing any federal funds if a student's
award from all sources is in excess of the calculated demonstrated need. RFUMS reserves the right to reduce its award
if necessary. If a RFUMS award is reduced, the policy is to adjust the award so as to leave the student with the most
favorable fund sources whenever possible. The school also reserves the option of substituting other program funds,
should budget allocations necessitate such conversion.
If a student receives a scholarship from a private source, they are required to notify Student Financial Services as soon
as possible. If the student has unmet need, the scholarship will simply be added to the existing award. If the student's
need is met, their award will be re-adjusted.
Obligation to Repay Loans
Signing a promissory note represents your agreement to the terms of that loan and to repay the loan when it comes
due. Copies of loan applications should be kept by the borrower with a copy of the promissory note detailing the
terms and conditions of the loan. Delays in repayment or defaults jeopardize our future ability to fund students.
Satisfactory Academic Progress
In accordance with Federal regulations, students must meet the criteria for Satisfactory Academic Progress to be
eligible for financial aid. Regulations require a maximum time frame for degree completion, a quantitative
measurement (such as credit hours earned towards degree), and a qualitative measurement (such as cumulative grade
point average or acceptable pass/fail status). The criteria for academic progress and objectives are determined by each
academic program and students should consult the appropriate student handbook for requirements.
Each college has an associated governing body which defines and monitors academic progress and objectives in
conjunction with Academic Records and Retention.
Refund Policy
Official withdrawal from a course or from the university entitles a student to a tuition refund according to the
schedule below. No other fees are refundable. Official paperwork (withdrawal/leave of absence form) must be fully
completed and submitted to Academic and Retention Services by Friday at 4:30 p.m. CT to be considered valid for
that week's tuition refund.
Week 1 100%
Week 2 75%

Week 3 50%
Week 4 25%
Week 5 0%
2011-2012
Financial Aid Guidelines
The refund will be credited to the student's account (less any amount still owed for other charges), direct deposited, or
a check will be mailed once all holds are removed from their account. Students on a Leave of Absence will need to
request a check if they do not want the credit to be applied to the returning term.
Return of Federal Title IV Funds
A student may find it necessary to withdraw from school or enter a leave of absence during a quarter. When this
occurs, the student may owe a refund of Title IV funds. It is important that every student at Rosalind Franklin
University of Medicine and Science (RFUMS) is familiar with the Title IV refund policies.
In general, the law assumes that the student must “earn” federal financial aid awards directly in proportion to the
number of days of the term attended. In other words, a student earns financial assistance as they attend class. If a
student completely withdraws from all classes during a term, the University must calculate the portion of the total
scheduled financial assistance earned. If the student received (or University received on behalf of the student) more
assistance than earned, the unearned excess funds must be returned to the federal programs.
The portion of federal loans and grants the student was entitled to earn is calculated on a percentage basis by
comparing the total number of calendar days in the quarter to the number of days completed before total withdrawal.
If the percent is 60% or more, the student will not need to return any Title IV funds.
The total withdrawal date for calculating the Return of Title IV financial assistance will be determined by the
University as the date the student officially withdraws per the institutional procedures.
Allocating Returned Title IV (Federal) Funds
Funds that are returned to the federal government are used to reduce the outstanding balances in individual federal
programs. Financial aid returned must be allocated in the following order:
1. Federal Unsubsidized Stafford Loan
2. Federal Subsidized Stafford Loan
3. Federal Perkins Loan
4. Federal Graduate PLUS Loan
5. Federal Pell Grant (undergraduate students only)
6. Other Federal Loan or Grant Assistance
Students who circumstances require that they withdraw from classes are strongly encouraged to contact Student
Financial Services and their academic department before doing so.
Leave of Absence
A student planning a leave of absence longer than 180 days must arrange Exit Counseling with Student Financial
Services before the effective date of the leave. A leave of absence which extends longer than the length of the grace
period on any of his/her loans may be liable for some repayment amount on the loan. All leaves will be considered a
withdrawal for purposes of repayment. Students are required to meet with Student Financial Services for further
instructions.
A student on leave is responsible for contacting Student Financial Services during the month of January to request the
application materials for financial aid for the following year. A student on leave will be held responsible for submitting

2011-2012
Financial Aid Guidelines
the application by the usual deadline date. Students on leave are not eligible for financial aid during the period of the
leave.
Withdrawal
The federal regulations governing the Title IV Funds: Direct Loans program and Federal Perkins Loan program
require that if a student withdraws completely from RFUMS on or before the 60% point in a quarter, calculated using
calendar days, a portion of the total of the Title IV funds awarded to the student must be returned. The calculation of
the return of these funds may result in the student owing a balance to the University and/or the federal government.
Further information on the withdrawal process and policies are available in the student handbook.
Students are awarded financial aid funds for a certain period of time. If the student does not complete at least 60% of
that period of time the aid must be reduced proportionately. Rosalind Franklin University of Medicine and Science
must return the portion of the financial aid applied to the student's tuition account for which the student is no longer
eligible. The student may also have to return funds that were provided for living expenses, but were not "earned"
before the withdrawal. In addition, the student may owe money to RFUMS if the University is required to return Title
IV money that was used to pay the student's bill, leaving the student with an unpaid balance.
Privacy Information (FERPA)
All documents submitted on behalf of student are strictly confidential. No information is released to anyone,
including parents, spouses, faculty members or program directors, without written permission from the student.
RFUMS has the right to disclose information to a funding source in connection with financial aid for which a student
has applied or received, as may be necessary for such purposes as determining eligibility for financial aid, the amount
of aid, the conditions that are imposed regarding aid, and enforcing the terms of the aid. In turn, a student does not
have the right of access to family financial information if the parents indicate nondisclosure. Many parents try to act
on a student's behalf; however, as a graduate student you are considered independent for federal aid purposes. Thus,
according to federal guidelines, financial aid administrators are not allowed to discuss the specifics of a student's
financial aid or academic file with anyone other than the student. Students who wish to grant permission to specific
persons must complete an Authorization to Release Information (ARI) form.
Key Terms
Subsidized: Interest on subsidized loans (Subsidized Stafford, Perkins) is paid by the Federal government while the
borrower is in approved in-school deferment, and grace periods.
Unsubsidized: The interest on an unsubsidized loan (Unsubsidized Stafford loan, Grad PLUS loans, private loans)
accrues from the date of disbursement until the loan is paid in full; but does not capitalize while the borrower is in
approved deferment periods. The borrower is responsible for the interest that accrues.
Capitalization: Capitalization is the adding of unpaid interest to the principal balance. Your unpaid interest then
accrues additional interest as part of the loan principal. Most educational loans capitalize once the loans enter
repayment status.
Student Payment Date: The first date that you may receive funds from Student Financial Services Student Billing for
living expenses and books. Funds are either direct deposited or mailed to the student after the student payment date.
Student payment dates coincide with the academic calendar and are on or after the first day of class for each quarter.
Disbursement Dates The date funds are sent to the University. The disbursement date is typically one week prior to
the student payment date. You will see disbursement dates on your disclosure statements.

2011-2012
Financial Aid Guidelines
Disclosure Statements Statement showing the amount of a particular loan you have been approved for, the current
interest rate and the fees you have been assessed, and disbursement dates. Retain the disclosure statements for your
own financial records until your loan is paid in full.
General Inquiries
Student Financial Services (Financial Aid) - Phone: (847) 578-3217
For questions regarding:
• Financial Aid Loan Programs
• Refund/Cancellation
• Federal Work Study information
• Leave of Absence or Withdrawal
Student Financial Services/Student Billing/Health Insurance - Phone: (847) 578-8790
For questions regarding:
• Health and Disability Insurance
• Student Billing
• Direct Deposit
Web Resources
www.nslds.ed.gov – Look up all federal student loans
www.annualcreditreport.com – View and print credit report form 3 credit bureaus
www.equifax.com – Equifax’s direct website
www.experian.com – Experian’s direct website
www.transunion.com – TransUnion’s direct website
www.studentaid.ed.gov – Department of Education website
www.dl.ed.gov – Direct Loan information
www.ombudsman.ed.gov – Official ombudsman website
http://www.irs.gov/publications/p970/index.html - Internal Revenue Service
www.ftc.gov – Identity theft information
www.finaid.org – Calculators

Don’t Borrow Blindly
It’s important for students to understand all the terms of their loans and their
repayment responsibilities before they borrow. Student loans are nearly
impossible to discharge in bankruptcy, so the student loan choices made today
could impact borrowers for the rest of their lives.
The National Association of Student Financial Aid Administrators (NASFAA) has
created several tables to illustrate costs borrowers will face when they repay
their loans. These tables show:
• The number of monthly payments under various repayment plans
• The amount of those monthly payments
• The total cost of the loan (principal plus interest)
• The total interest borrowers will pay under various repayment plans
Estimating the costs of borrowing federal student loans can be challenging, but
these tables can help students make informed decisions before taking out a
loan. The tables outline repayment information for different loan amounts and
different types of federal student loans, including:
• Undergraduate Federal Direct Loans with Standard Repayment Plan
• Graduate PLUS
• Graduate Federal Direct Loans with Standard Repayment Plans and
Example of Extended Repayment Plans
Note: These tables assumed fixed interest rates for loans borrowed in 2011-12.
© 2011 National Association of Student Financial Aid Administrators
Graduate PLUS for 2011-12
Loan # of
Total Interest/
Repayment
Amount Payments Payment @ 7.9% Interest
$10,000 120 $120.80 $4,496 / 14,496
$20,000 120 $241.60 $8,992 / 28,992
$30,000 120 $362.40 $13,488 / 43,488
$40,000 120 $483.00 $17,984 / 57,984
$50,000 120 $604.00 $22,480 / 72,480
$60,000 120 $590.51 $10,861 / 70,861
$70,000 120 $724.80 $26,976 / 86,976
$80,000 120 $966.40 $35,968 / 115,968
$90,000 120 $1,087.20 $40,464 / 130,464
$100,000 120 $1,208.00 $44,960 / 144,960
$110,000 120 $1,328.80 $49,456 / 159,456
$120,000 120 $1,449.60 $53,952 / 173,952
$130,000 120 $1,570.40 $58,448 /188,448
$140,000 120 $1,691.20 $62,944 / 202,944
$150,000 120 $1,812.00 $67,440 / 217,440
$160,000 120 $1,932.80 $71,936 / 231,936
$180,000 120 $2,174.40 $80,928 / 260,928
$200,000 120 $2,416.00 $89,920 / 289,920
$210,000 120 $2,536.80 $94,416 / 304,416
$220,000 120 $2,657.60 $98,912 / 318,912
$230,000 120 $2,778.40 $103,408 / 333,408
$240,000 120 $2,899.20 $107,904 / 347,904
$250,000 120 $3,020.00 $112,400 / 362,400

Graduate Federal Direct Loans for 2011-12 with Standard Repayment Plan and
Example of Extended Repayment Plans
Standard Repayment Plan 15-Year Extended Repayment Plan* 20-Year Extended Repayment Plan* 25-Year Extended Repayment Plan*
Total Interest/ Total Interest/ Total Interest/ Total Interest/
Loan # of Repayment # of Repayment # of Repayment # of Repayment
Amount Payments Payment @ 6.8% Interest Payments Payment @ 6.8% Interest Payments Payment @ 6.8% Interest Payments Payment @ 6.8% Interest
$8,500 120 $97.82 $3,238 / 11,738 n/a n/a n/a n/a n/a n/a n/a n/a n/a
12,000 120 $138.10 $4,572 / 16,572 n/a n/a n/a n/a n/a n/a n/a n/a n/a
20,500 120 $235.91 $7,809 / 28,309 n/a n/a n/a n/a n/a n/a n/a n/a n/a
25,000 120 $287.70 $9,524 / 34,524 n/a n/a n/a n/a n/a n/a n/a n/a n/a
35,000 120 $402.78 $13,334 / 48,334 180 $310.69 $20,924 / 55,924 240 $267.17 $29,120 / 64,120 300 $242.93 $37,879 / 72,879
45,000 120 $517.86 $17,143 / 62,143 180 $399.46 $26,902 / 71,902 240 $343.50 $37,441 / 82,441 300 $321.33 $48,699 / 93,699
55,000 120 $632.94 $20,953 / 75,953 180 $488.23 $32,880 / 87,880 240 $419.84 $45,760 / 100,760 300 $381.74 $59,522 / 114,522
65,000 120 $748.02 $24,762 / 89,762 180 $576.99 $38,860 / 103,860 240 $496.17 $54,081 / 119,081 300 $451.15 $70,345 / 135,345
75,000 120 $863.10 $28,572 / 103,572 180 $665.76 $44,838 / 119,838 240 $572.50 $62,402 / 137,402 300 $520.55 $81,165 / 156,165
85,000 120 $978.18 $32,382 / 117,382 180 $754.53 $50,816 / 135,816 240 $648.84 $70,721 / 155,721 300 $589.96 $91,988 / 176,988
95,000 120 $1,093.26 $36,191 / 131,191 180 $843.30 $56,794 / 151,794 240 $725.17 $79,042 / 174,042 300 $659.37 $102,811 / 197,811
105,000 120 $1,208.34 $40,001 / 145,001 180 $932.07 $62,772 / 167,772 240 $801.51 $87,361 / 192,361 300 $728.78 $113,634 / 218,634
115,000 120 $1,323.42 $43,810 / 158,810 180 $1,020.84 $68,750 / 183,750 240 $877.84 $95,682 / 210,682 300 $798.18 $124,454 / 239,454
125,000 120 $1,438.50 $47,620 / 172,620 180 $1,109.60 $74,730 / 199,730 240 $954.17 $104,003 / 229,003 300 $867.59 $135,277 / 260,277
135,000 120 $1,553.58 $51,430 / 186,430 180 $1,198.37 $80,708 / 215,708 240 $1,030.51 $112,322 / 247,322 300 $937.00 $146,100 / 281,100
145,000 120 $1,668.66 $55,239 / 200,239 180 $1,287.14 $86,686 / 231,686 240 $1,106.84 $120,643 / 265,643 300 $1,006.40 $156,920 / 301,920
155,000 120 $1,783.75 $59,050 / 214,050 180 $1,375.91 $92,664 / 247,664 240 $1,183.18 $128,961 / 283,961 300 $1,075.81 $167,743 / 322,743
165,000 120 $1,898.83 $62,860 / 227,860 180 $1,464.68 $98,642 / 263,642 240 $1,259.51 $137,283 / 302,283 300 $1,145.22 $178,566 / 343,566
Repayment amounts assume the student paid accrued interest during the time of enrollment.
*Extended repayment plans are only available for amounts greater than $30,000. This table assumes a fixed plan.
© 2011 National Association of Student Financial Aid Administrators