<h2>Financial Aid</h2>
<ul>
<li><a href="#intro">Introduction</a></li>
<li><a href="#types">Types of Financial Aid</a></li>
<li><a href="#how">How to Apply for Financial Aid</a></li>
<li><a href="#loans">Loans</a></li>
<li><a href="#scholar">Scholarships</a></li>
<li><a href="#aid">Financial Aid Links</a></li>
<li><a href="http://www.nslds.ed.gov/nslds_SA/SaEcWelcome.do" target="_blank">Exit Counseling</a><br /></li>
</ul>
<h3><strong><br /><a name="intro" id="intro"> </a></strong>Introduction</h3>
<p>The SIUE Office of Student Financial Aid is committed to assisting qualified students in obtaining appropriate financial aid resources. Eligible dental students have access to low-interest federal and university loan programs. Scholarship programs also exist for qualified students.</p>
<p>The majority of students receive some form of financial aid, particularly from Federal Loan programs. Beyond that, alternative loans are available.</p>
<p>The Office of Student Financial Aid is sensitive to student needs and provides individual attention through the application, packaging and disbursement process. Students receive specific and detailed information on financial assistance prior to Fall registration. All student borrowers receive entrance and exit counseling. Debt counseling is an on-going service, provided to enable each student to make educated decisions related to current and future financial planning. Specific information is available through the Office of Student Financial Aid.<br /></p>
<p>SIUE Office of Student Financial Aid Contact Information:</p>
<ul>
<li>Title IV Code: E00606<br /></li>
<li>Office Address: 2308 Rendleman Hall, Edwardsville, IL <br /> (on the SIUE Edwardvillle Campus)<br /></li>
</ul>
<ul>
<li>Phone: 618-659-3880<br /></li>
<li>Fax: 618-659-3885<br /></li>
<li>E-mail: <a href="mailto:finaid@siue.edu" target="_blank">finaid@siue.edu</a></li>
</ul>
<p></p>
<p><a href="#top">Back to top</a><br /></p>
<h3><strong><br /><a name="types" id="types"> </a></strong>Types of Financial Aid</h3>
<p>The SIU School of Dental Medicine offers eligible students financial aid in the forms of loans and scholarships. The kind of aid received can be categorized into two different types: gift aid and self-help aid. Self-help aid most often comes in the form of loans and it must be repaid. Gift aid normally comes in the form of scholarships and usually does not have to be repaid.</p>
<p><big><a href="#loans">Loans</a></big> <em>are avai</em>lable to SIUE students through federal, state and institutional programs to assist with educational costs. Some loans require financial need, but others are available to students with no financial need.</p>
<ul>
<li>First time borrowers need to complete <a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">Entrance Counseling</a> and submit an electronic <a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">Master Promissory Note</a> (MPN).</li>
<li>Students can also use the online <a href="http://mapping-your-future.org/apps/debtwizard/">Debt/Salary Wizard</a> to help determine how much to borrow based on current or future income. </li>
<li>Students may borrow up to $40,500 in Federal Direct Subsidized and Unsubsidized Loans (with a maximum of $8,500 in subsidized loan per borrower-based year). Grad PLUS, Perkins or HPL Loans would then be offered based on eligibility of funding.<br /></li>
</ul>
<p><big><a href="#scholar">Scholarships</a></big> are one form of financial aid given to students to help and pay for their education, and are offered by governments, colleges and private, outside sources. Scholarships are generally a form of a gift and do not have to be repaid; they can be based upon financial need, merit, or both.</p>
<p><a href="#top">Back to top</a></p>
<h3><a name="how" id="how"> </a>How To Apply for Financial Aid<br /></h3>
<ol>
<li>Go to <a href="http://www.pin.ed.gov/">www.pin.ed.gov</a> to obtain a PIN (personal identification number).</li>
<li>Use your PIN as your identifier and digital signature when you complete your FAFSA (Free Application for Federal Student Aid) on the Web at <a href="http://www.fafsa.ed.gov/">www.fafsa.ed.gov</a> .</li>
<li>Complete your FAFSA online using entries from your / your parents completed tax returns. The SIU School of Dental Medicine student financial aid code is E00606.</li>
</ol>
<p>First time borrowers need to complete <a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">Entrance Counseling</a> and submit an electronic <a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">Master Promissory Note</a> (MPN).<span style="margin-left: 40px;"><br /></span><br /> <br /> <br /> <span style="font-weight: bold;">To qualify for most financial aid at the SIU School of Dental Medicine, students:</span><br /></p>
<ol>
<li>Must have a social security number.</li>
<li>Must have a high school diploma or GED.</li>
<li>Must be a U.S. citizen or eligible non-citizen.</li>
<li>Must be registered for selective service, if appropriate.</li>
<li>Must be admitted as a degree-seeking student.</li>
<li>Must be enrolled at least half-time each term.</li>
<li>Must maintain satisfactory academic progress.</li>
<li>Cannot be in default on other student loans or owe a grant refund.</li>
</ol>
<span class="style2"><span class="style1"><big>Complete FAFSA by March 1st !!</big> <small style="font-weight: normal;">(preferred filing date)</small></span><br /></span>
<p><a href="#top">Back to top</a><br /><br /></p>
<h3><strong><a name="loans" id="loans"> </a></strong>Loans</h3>
<table border="1" width="100%" cellpadding="4" cellspacing="4" align="center">
<tbody>
<tr valign="top">
<td height="10" width="145" class="xhdr"><strong>Name of Loan</strong><br /></td>
<td width="145" class="xhdr"><strong>Eligibility</strong></td>
<td width="145" class="xhdr"><strong>Benefits &<br />Interest Rate</strong></td>
<td width="145" class="xhdr"><strong>Repayment</strong></td>
</tr>
<tr valign="top">
<td height="5" width="145" rowspan="1" colspan="4"></td>
</tr>
<tr>
<td style="vertical-align: top; font-weight: ;"><strong>Federal Direct Loans</strong></td>
<td style="vertical-align: top;" rowspan="1" colspan="3"><br /></td>
</tr>
<tr valign="top">
<td height="10" width="145" class="Bbodytext">Federal Direct Loan (Subsidized)</td>
<td width="435" colspan="3">Due to changes in the Federal regulations, beginning in the fall of 2012, graduate/professional students will no longer be offered subsidized loans. Annual loan limits have not changed, only the elimination of the subsidized loan eligibility.</td>
</tr>
<tr valign="top">
<td height="5" width="145" rowspan="1" colspan="4"></td>
</tr>
<tr valign="top">
<td height="10" width="145" class="Bbodytext"><a href="/id0904f67a80417a26">Federal Direct Loan (Unsubsidized)</a></td>
<td width="145">Half- or full-time student, citizen or permanent resident of U.S.</td>
<td width="145">Interest rate will be fixed, not to exceed 8.25%.</td>
<td width="145">Six months grace period for first time borrowers; 120 months to repay</td>
</tr>
<tr valign="top">
<td height="5" rowspan="1" colspan="4"></td>
</tr>
<tr>
<td style="vertical-align: top; font-weight: bold; ;">Federal Direct Graduate PLUS Loans</td>
<td style="vertical-align: top;" rowspan="1" colspan="3"><br /></td>
</tr>
<tr>
<td style="vertical-align: top; color: rgb(0, 0, 238);"><a href="/id0904f67a80417a2c">Federal Direct Graduate PLUS Loans<br /></a></td>
<td style="vertical-align: top;">Half- or full-time student, citizen or permanent resident of U.S. *</td>
<td style="vertical-align: top;">Up to total cost of education, less other financial aid. Interest rate will be fixed at 8.5%.<br /></td>
<td style="vertical-align: top;">Check with your lender about deferment.<br /></td>
</tr>
<tr>
<td style="vertical-align: top;" rowspan="1" colspan="4"></td>
</tr>
<tr>
<td style="vertical-align: top; font-weight: bold; ;">Federal Health Professions Loan (HPL)</td>
<td style="vertical-align: top;" rowspan="1" colspan="3"><br /></td>
</tr>
<tr valign="top">
<td height="10" style="color: rgb(0, 0, 0);" class="Bbodytext"><strong>Federal Health Professions Loan (HPL)</strong></td>
<td>Half- or full-time student, citizen or permanent resident of U.S.</td>
<td>Based on need. Interest rate is 5%. <span class="Bbodytext"><span class="Bbrdr"><span class="Bhdr">Parental information required. Availability is based on funding.</span></span></span></td>
<td>Twelve (12) month grace period; ten year repayment</td>
</tr>
<tr>
<td style="vertical-align: top;" rowspan="1" colspan="4"></td>
</tr>
<tr valign="top">
<td height="5" style="font-weight: bold; ;">Federal Perkins Loan</td>
<td rowspan="1" colspan="3"><br /></td>
</tr>
<tr valign="top">
<td height="10" style="color: );" class="Bbodytext"><strong>Federal Perkins Loan</strong></td>
<td>Half- or full-time student, citizen or permanent resident of U.S.</td>
<td>Amount varies each year, not to exceed $8,000. Interest rate 5%. <span class="Bbodytext"><span class="Bbrdr"><span class="Bhdr">Availability is based on funding.</span></span></span></td>
<td>Six months grace period, $30 minimum monthly payment; 10 yr. repayment</td>
</tr>
<tr>
<td style="vertical-align: top;" rowspan="1" colspan="4"></td>
</tr>
<tr>
<td style="vertical-align: top;"><span style="font-weight: bold; ;">Alternative Loans</span></td>
<td style="vertical-align: top;" rowspan="1" colspan="3"></td>
</tr>
<tr>
<td style="vertical-align: top;"><a href="/id0904f67a80417a31">Alternative Loans<br /></a></td>
<td style="vertical-align: top;" rowspan="1" colspan="3"><a href="/id0904f67a80417a31">(Please visit the Alternative Loans page for more information.)<br /></a></td>
</tr>
<tr>
<td style="vertical-align: top;" rowspan="1" colspan="4"></td>
</tr>
<tr>
<td style="vertical-align: top;"><span style="font-weight: bold; ;">Residency Loans</span></td>
<td style="vertical-align: top;" rowspan="1" colspan="3"></td>
</tr>
<tr>
<td style="vertical-align: top;"><a href="/id0904f67a80417a22">Residency Loans</a></td>
<td style="vertical-align: top;" rowspan="1" colspan="3"><a href="/id0904f67a80417a22">(Please visit the Residency Loans page for more information.)</a></td>
</tr>
<tr>
<td style="vertical-align: top;" rowspan="1" colspan="4"></td>
</tr>
<tr valign="top">
<td height="5" style="; font-weight: bold;" width="145">SIU-SDM Short-term Loans</td>
<td width="145" rowspan="1" colspan="3"><br /></td>
</tr>
<tr valign="top">
<td height="10" width="145" class="Bbodytext"><span style="color: rgb(0, 0, 0);"><strong>SIU-SDM Short-term Loans</strong></span></td>
<td width="145">Enrolled in SIU/SDM **</td>
<td width="145">$400 maximum, no interest</td>
<td width="145">Must repay in 60 days</td>
</tr>
<tr align="center">
<td style="vertical-align: top;" rowspan="1" colspan="4">
<p align="left">** <a href="/id0904f67a80417a1d" target="_blank">Please click here to print the Short-term Loan Request Form.</a></p>
<p align="left">Please return the completed Short-term Loan Request Form to the Financial Aid Advisor in the Office of Admissions and Student Services, which is located on the 2nd Floor of the Administration Building (Building 273) on the Alton Campus.</p>
</td>
</tr>
</tbody>
</table>
<p>*<span class="Bbodytext">Please contact the Office of Student Services for further information. Additional financial aid programs may be available.</span></p>
<p><a href="#top">Back to top</a><br /><br /></p>
<h3><strong><a name="scholar" id="scholar"> </a></strong>Scholarships</h3>
<p><strong><span class="Bhdr2">Selective* Scholarship Programs Available to Dental Students</span></strong></p>
<table border="1" width="100%" cellpadding="4" cellspacing="4" align="center">
<tbody>
<tr>
<td><strong>Name of Scholarship</strong></td>
<td><strong>Eligibility</strong></td>
<td><strong>Scholarship Award</strong></td>
<td><strong>Application Process</strong></td>
</tr>
<tr>
<td>U. S. Military Scholarship</td>
<td>Half- or full-time student, citizen of U.S.</td>
<td>Pays all educational expenses plus monthly stipend</td>
<td>Contact your local recruiter for specifics</td>
</tr>
</tbody>
</table>
<p>*<span class="Bbodytext">Please contact the Office of Student Services for further information. Additional financial aid programs may be available.</span></p>
<p><a href="#top">Back to top</a><br /><br /></p>
<h3><strong><a name="aid" id="aid"> </a></strong>Financial Aid Links</h3>
<p><a href="http://www.siue.edu/COUGARNET/">CougarNet</a>: To access an award letter, view your SIU account, and change your address.</p>
<p><a href="http://www.signmyloan.com">Signmyloan.com</a>: To sign and accept your Perkins Loan promissory note.</p>
<p><a href="http://www.collegezone.com">Illinois Student Assistance Commission</a>: To access a site for State of Illinois scholarship programs such as National Guard; Veterans Grant; Police, Fire & Correctional Officers dependents; MIA/POW dependents; General Assembly; Allied Health Care; etc.</p>
<p><a href="https://studentloans.gov/myDirectLoan/index.action">Direct Loan Servicing</a>: To access your Federal Direct Loan information, deferments, forbearance, and consolidation information.</p>
<p><a href="http://www.nslds.ed.gov">National Student Loan Data System</a>: To access your student loan information. Provides the amount of Subsidized, Unsubsidized, and Perkins loan money that a student has borrowed throughout their academic career.</p>
<p><a href="https://studentloans.gov/myDirectLoan/index.action" target="_blank">StudentLoans.gov</a>: To complete a Grad PLUS Application and a Master Promissory Note.<br /><br /></p>
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<p><br /></p>